Complaint Review: Queen Creek Mortgage/Mortgage Protection Group

I was nearly a victim of this company. I had an appointment with Robert Jones of Queen Creek Mortgage. I admit to being somewhat naive to the mortgage business. Jones did his sales pitch and I was still a little skeptical. I told him it sounded like a great opportunity but usually "things that seem to good to be true probably are." I told him I was interested but I wanted to take the paperwork he wanted me to sign and show it to some people who could understand the contract better than myself.  Then he adopted sort of a condescending attitude, and said "Look, what is there to understand? It's very simple."  I told him I would also like some time to consider how I was going to pay for it - with savings or with a credit card. At that point he asked me if I had ever heard of the phrase "OPM". I said no. He said it stands for "Other People's Money". As in "Why pay for something with your money when you can pay with someone else's?" He said I would be able to quickly pay off the balance of $5,500 with the money I would save on the mortgage every month.

I realize now that he was pressuring me and that he didn't want anyone to look at that contract for fear that it would be obviously fraudulent. But I actually put the $5,500 on the credit card right there, thinking that I would be able to cancel the charge if I changed my mind.

I gave it some thought over the weekend and by Monday morning I was starting to have serious second thoughts. I work for a media outlet in town and we have investigative reporters who are familiar with this type of scam. I took it to one of them and it immediately raised a few red flags with him. The fact that I had been asked to pay up front was apparently illegal, as the Attorney General's office had passed a law to that effect a few days before I signed the papers.

At this point I called Robert Jones and told him about that law and he did his best to assure me that this was not the same thing. I told him I still was not comfortable with it and that I would like a refund while I reconsidered. He said he was not authorized to give a refund and that I would have to speak with his boss, Waid Hutchens. I called Hutchens and left him a brief message.

Then I called a friend, who directed me to a mortgage lawyer. I briefly spoke to the lawyer, who advised me to immediately call the credit card company and file a fraudulent charge, which I did.

Hutchens called a couple hours later. He wanted to know what the problem was and I told him the same thing I told Jones. I said that if they could put me in touch with some satisfied customers it was something I would still like to pursue, but for the time being I would like my money back. I then told him that I had called and tried to put a stop on the credit card payment, although since it had already been processed and they seemed unwilling to refund my payment, to protect myself I had to file a fraudulent charge. The conversation had been cordial up until this point, but at this point Hutchens got angry and said that unless I called the credit card company immediately and retracted the fraud claim, he would take me to court and win easily because I had signed a contract. He said they would refund the payment but he didn't want to have to deal with the credit card fraud department because it would ruin his credit. 

I got a refund back about ten days later and I was completely relieved. In retrospect, it was easy to see that this was all a scam because of all the pressure they tried to apply. Too many red flags.

As for the debate about whether it's appropriate for robtff to post these people's personal details - I have no problem with it. When you engage in this kind of business you get what you deserve. I hope these guys all wind up in jail.

robbtff

I could not agree more with you on your response to the poster that thinks you are wrong for posting names etc of the perpertraitors of this scam.I agree with you that you are the victim and not the scammer Teerlink who this other poster thinks is above the law and should not be persecuted on this site.These guys and gals that have the balls to do this to innocent people deserve what ever they get for this horrible crime.There is an old addage about whatgoes aroundcomes around and this is a case inpoint.

I cannot fathom how anyone would want to protect someone like these people and the fact you listed their info on this site should be no problem in light of the fact that they have more info on you than you have on them and they can use it for idenity theft etc. So in closing i suggest you post whatever you want on here and let them deal with it as they are the ones who perpetrated this scam and took your money and that of others as well.YOU AND OTHERS ARE THE VICTIMS NOT RAY TEERLINK-----Bravo to you and your efforts to stop this and maybe help others from being scammed

Uh......Taking it to the "Extreme," are you kidding me?  Let me see, this guy has ALL.....I'm mean ALL of my "Personal" information, including home address, work pay-stubs, bank account information, Mortgage information, social security number, wife's social security number...and the list goes on.  This company, and more specifically this man and his cronies, have betrayed our trust.  Now if you want to defend him in some weird sense, that's your choice.....please feel free to give him a "Big Hug" while your at it.  I for one will not in any sense post anything positive about this dirt bag unless he immediately and unconditionally refunds my money.  If that were to happen and happen immediately I for one would be the first to post a public apology for any undue hardship I may have caused.  In the meantime, and without an ounce of faith in that occurring, I will continue to post any "Publicly Available" information I may find.  By the way, if you do have his parents or grandparents information please feel free to share it on here.

Now I understand that for some reason you felt compelled to respond to my posting, but I assure you that I am not looking for any validation from you or anyone else for that matter, regarding my postings.  I have made no threats against his family, friends, or anyone else involved in this scam.  What I have written has merely been a tool that might possibly save people time in looking up information they might have been curious about.  I for one was curious about what type a person Ray is and how he could possibly perpetrate such an elaborate scam against my family.

In closing, I certainly hope that you can recoup your lost funds.  I for one have already lost hope in seeing my $4200.00 ever again, but if you have faith that your "Hope and Hugs" program will work than I say go for it.  In the meantime sleep peacefully in your bed at night knowing there are others out there ready to expose these frauds and scammers, giving them little room to operate using the community they claim to be helping as a cover.

I made a comment on another one of these threads and have been following them all pretty good, but I must say, this one takes the cake. You were wronged, we all weere. Am I mad? Absolutely. Would I bring someones kids/wife into this and now their religion? Absolutely not. You are no better than them by making this personal and making comments about their religion or trying to get them 'removed' from church, which is comical to say the least. Why don't you see where his parents live and include them in your posts. Or better yet, he's pretty young, maybe his grand parents are alive and they can help you feel better about yourself by posting their address/phone #/pictures. There are 100's of people affected by this, you seem to be the only one taking it to the extreme. Kudos friend!

Hey...thanks for the kind words.  I just thought of another thing regarding the whole matter.  Ray is a Mormon and I'm pretty sure it has to be a pretty serious thing by being dishonest and fraudulent to your fellow man in the eyes of the church.  Being a wrong doer has got to count for something, so if anyone knows what Ward, Stake, or Church he belongs to up there in Mesa or Queen Creek--we need to contact his Bishop and let them know what a Huckster this guy is so that it doesn't happen to someone else.  Maybe they can pull is TempleCard or something.  I'm not a Mormon so I wouldn't know where to begin.  Hopefully someone has the answer.

robtff.

 Bravo to you for posting Ray Teerlink information on this website.I as well was  avictum of a company that mirrors Queen Creek Mortgage and the the others listed here.If i did'nt know better i would swear Ray Teerlink and the others went to the Brian Prehoda/Luis Belevan school for the criminal intent of scamming people.The company i am refering to is the former Guardian Group Fund/Guardian Group LLC that ran this exact scam in Phoenix--California--Nevada--Florida etc and about the only difference i can see is the amount Teerlink and his bunchof assholes charged people for the scam $4-6000 as opposed to GGF which charged a consistent scam fee of $1595.00.The same things stated here apply: emails not returned---phone calls not returned---lots of BS excuses and runarounds---passing the blame onto others--- And then of course no success on any file submitted for a principal reduction as well as a better than thou attitude when they occassionaly did respond to contacts.

      What amazes me about all of this is how close they are in operating procedures[or lack of it] depending on how you look at it.Mostly though i am shocked that so many companies have popped up all over the US from what i see.You mentioned Addvent Funding and there is to many others to name plus more thinking about doing the same i would imagine.Check pot the internet sites like (((REDACTED))) and others and type in Principal Reduction Scams and see what comes up as it will amaze you.These absolutely some of the lowest form of life on earth as far as i am concerned and they do not give a crap about anyone's feelings except there own[not sure they even care about themselves] and another thing to watch out for is some of these guys start up a new company with a new name and a slight variation in the scam after getting shut down by the AG's office etc.Case in point--after GGF was shutdown some of the owners/employees started a company call RESCOMM LLC that did something similar with anew twist.I have not seen or heard much of them since the last time i visited there website so who knows what there up to now or even if they are still operating. 

       If more people like you had the balls to put expose these pieces of s**t and put the info out to others at least it will maybe keep them fromdoing it again or at worst case keep them looking over their shoulder wondering what is going to happen to them.Lets pray and hope that these scammin BASTARDS get whats coming to them in the form of a prison sentence and  harassment from Bubba and the boys in prison.

 I wish all of you the best in recovering your investment in this terrible scam but let it be known that we nor anyone i know has gotten anything backfrom  Brian Prehoda-Luis Belevan--Kathem Martin--Jim Ausel and the list goes on in the way of any refunds as theyprobably spent alot of what was stolen from people like us.If anything new pops up on GGF i will post it on this site as to disposition of criminal charges and /or refunds that people may have coming.

I have read what Addvent Funding has posted on their website about me, and I feel compelled to comment regarding their statements.  First and foremost, while I may not be the most articulate nor linguistically savvy, I hope that whoever wrote the webpage in regards to QCM/MPG for them is engaged in something more appropriate than being their Public Information Officer and is rightfully employed in a field such as Janitorial Service for their building.  Hopefully this was a huge oversight on their part.   One can only hope with a response like that which was given, your money is not in their hands.

While they state that it is "Karma" which brings them to helping us in our desperate time of need-I unfortunately, am not one of fortunate ones.  More appropriately, they should be fully cooperating with the Arizona Attorney Generals investigation, presenting audited financials, and disclosing every single victim of this crime. 

In addition, to criticize me for releasing "Personally Identifying" information about these "Scammers" is just unprofessional--They are the unprofessional ones for bilking us out of our money .  Nothing I presented was not publicly available on the World Wide Web, nor was it some sort of secret information.  These fools blatantly basked in the sun with all with our money.

Addvent Funding needs to understand that Ray Teerlink and Waid Hutchens are not the victim here.......I am!!  They are the one's that walked away with my $4200.00.  Will I loose sleep about posting that revealing information?.....not in the slightest.  Ray already stated on the phone to me that he would use my personal information against me.  How many others will he do that too?    

Here is what the Huckster looks like.

Ray Teerlink also seems to be linked to Key Mortgage Corporation, Arizona Real Estate Advantage...This one has a different contact number- 480-332-4700.  His real estate license number is  SA526467000.  His Mortgage Broker License number is 909314.

Ray has started to dismantle his information on the web.

Waid Hutchens has a listed home address of

His Myspace page is MRLUCKY.  Looks like he drives a Lotus and a Corvette.  I wonder if I helped pay for it with this scam.  His wife is Brenna and they have two kids.

I just got off the phone with Ray Teerlink/Queen Creek Mortgage-Mortgage Protection Group after posting to Ripoff Report, it would seem he checks this site quite frequently.  He stated he never got my pervious phone calls or messages.  He was very worried I had posted information about him on the Ripoff Report website.  I asked him for a refund for my loan modification, and he in a very hostile voice, made it clear that I would be the last one out of 500 or so people that would get one if at all.  He also made it clear again that because I posted his information he would use my personal information gained in my application process to use against me.  Ray was very worried that I listed his number and home address on the site.  I asked him why, if his company was legit......he ended the converstation by hanging up on me......I doubt I'll hear from him again.