Complaint Review: The Lending Center

zIm sorry to hear what happened to you and your wife. i live in ontario canada and this
company tried to rip me off 760 this month saying they were gonna give me A 10 000 loan
once i secured it with the payments. when i went to money mart to make the payments through
western union the lady in the store wouldnt let me make the payment at her location because she felt
that i was gping to get ripped off so i started researching the company and found all these reports made
by all of you poor people who did get ripped off. but im not gonna stop until i expose these people and justice
is braught against them.

When you are pissed you don't do spell check, ding dong. The best thing that came out of this is I am now in a home that is completely paid for and not the one I got screwed in. Yahoo no more house payments and it is mine free and clear. Do you own your place of residents and paid for in full.

I read your first post and from the get go I thought wow these people took a post dated check? that was nice, I have been threw the whole refinance thing and its a hassle. This guy seemed very patient threw the whole thing. When you make a statement you need to give the whole truth. Its the law when you get a refinance you have to pay all your old debts first.In a way it was a plus for you. You have your credit cleaned up and cash on hand. You have nerve not speaking about the leins. Thats the key thing to this whole issue. Im sure this Mo was ticked at you leaving out such a important detail. You came off as a victim. The only victims are your kids you failed to mention.

have u ever typed something and spelled things wrong cuz u were in a hurry!! it happens all the time and even if it were the case that dave could not read or write would that give someone the right to scam him?? all that has gone on with first nlc is not a joke!! its not a game where people just lost maybe a couple hunder dollars people lost homes, memories stability ect!!! i am one of those people and there are thousands more!! this company scammed thousands out of MILLIONS, AND THEN FILED BANKRUPTCY TO AVOID ALL THE LAWSUITS!! AGAIN I KNOW THIS BECAUSE I WAS ONE OF THE PEOPLE!! AND THE LOAN OFFICERS ARE SHADY CROOKS WHO DESERVE TO SPEND THEIR LIVES BEHIND BARS!! JUST BECAUSE SOMEONE DOES NOT HAVE AN EDUCATION OR SPELLS THINGS INCORRECTLY DOES NOT MAKE IT RIGHT FOR PEOPLE 2 TAKE ADVANTAGE OF THEM!!!!!! BEFORE YOU SPEAK GET THE FACTS!!!!

David, of course you got ripped off, you are a moron. You can't spell or write coherent sentences. WTF!

THIS WHOLE COMPANY IS UP TO NO GOOD, RIGHT DOWN TO THE APPRAISORS THE NOTARIES AND EVEN THE TITLE COMPANY THAT THEY USE. I HAVE A LAWSUIT FILED AGAINST THIS COMPANY AND EVERYONE, EVEN THE V.P OF SALES KEVIN RILEY IS CROOKED, HE PROMOTED THE MAN THAT SCREWED ME AFTER I SHOWED HIM MY PAPERWORK. DO NOT SIT THERE AND SAY THEIR ARE GOOD L.O. IN THIS COMPANY BECAUSE THE ONES WHO WERE NIEVE AND DIDNT REALIZE ALL QUIT, I KNOW BECAUSE THEY ARE MY PROOF OF ILLEGAL IMMORAL AND UNETHICAL ACTS, THAT I KEEP IN TOUCH WITH AND CANT WAIT TO TESTIFY AGAINST THIS COMPANY. THEY LIE, AND SO SO MUCH MORE. PEOPLE ARE LOSING THEIR HOMES BECAUSE OF THIS COMPANY. NOT BECAUSE THEY WERE POOR OR STUPID BUT BECAUSE THEY WERE HONEST TRUSTING PEOPLE WHO FELL PREY TO THIS EVIL COMPANY. BEFORE U GO DEFENDING THIS COMPANY DO SOME RESEARCH ON THEM, I ONLY WISH I DID BEFORE I DID BUSINESS WITH THEM. GO BACK AND LOOK AT SOME OF THE LOANS YOU DID FOR PEOPLE WHILE YOU WORKED FOR THEM AND LET ME KNOW HOW THEY ARE ALL MAKING OUT!!

I would like to say that I am an ex-employee of The Lending Center...I am a little angry at the way they let us go on 8/1/07 with the downsizing, but it is what it is...they shut down our whole Indiana office...along with other offices that they closed nationwide...I think they could have giving us a warning as they knew that they going to close it down before hand...While I was not affected by the downsize due to making some pretty good decisions in my life...it still affected people that had put blood, sweat and tears into this company...

Now with this David guy and not to defend the Mo guy from the Wisconsin office...I understand what he did, I believe that both he and the customer were worng the customer never asked the right questions up front and Mo never really let them know first hand...they may have been in the paperwork, which if I had to bet probably were!!!

As far as paying for the appraisal...that had became standard practice for just about over a year, we as loan officers were still kinda getting away with it...The reason is that we(the company) was paying for appraisals and then the customers were backing out of the deal at the last minute so what do you have...the appraiser who doesn't work for the TLC, has to get paid for doing work...no matter if the loan went through or not...that appraiser did you a favor by accepting a post-dated check which he shouldn't have for legal reasons, but that is his company and he can do what he wants...

as far as the ARM that you got...it is not a bad idea to get one...it give you time to fix up your credit so that the LO can come back later and hopefully depending on the government and the rate are good, get you a lower rate...the 6 month thing is something that I never told my customers but I heard it alot...I think the scum at the top started that...I never wanted to work for the Ameriquest mtg(out of business, BK) and when getting in with TLC, I realized that is exactly who I worked for...most of the branch, area, regional and above all came from there, yes they had some questionable practices...very illegal, but I came from a company where value and ethics were key...so I could do my own thing and never have to worry about breaking the law...now a new people to the business doesn't know any different...so guess what you get...exactly what one of the liers, have taught him to do...exactly...you understand

like ak-47 said earlier...there are some good brokers and banks and we all know that there are some terrible ones too...probably more than it should but that is business...you have to take the good with the bad...TLC was not as bad as you guys are making it seem...

Let me ask you a question, if you needed to get refi'd and couldn't because of your DTI and 10 banks turned you down, and then this one called you and said I can get you done...and he says well we are going to have to get you some more income...and that is it...then he tells you that your payment is going to be XXXX dollars monthly and you know you can handle it, what are you going to say? you are right most people say yes!!! but then they cry about later saying oh he falsified my income when you can't make that mtg payment and they are about to take your house...exactly what I thought...but you were not complaining before you spent that 8-10K in cash out...that you were suppose to pay off bills or do those home improvements...so that you house would go up in value for the next apprasial...don't blame all your issues on the loan officers...

I have been in the mtg industry for appx 10 years and have yet to see someone force a person to sign on the dotted line of all them doggone pages during the closing...plus that closer is independant of the company so you best believe they are on top of it...because they make good money, and 150 or so dollars ain't worth them losing their state license...

In the end...I am not saying that all LO's and Brokers are bad...because some are liars and crooks... and some are made out to be crooks by trying to help yall and risking their freedom for you...now go figure!!!

If you guys have any questions for me...I don't know how this thing works but I guess you can respond back to me!!! good luck in your future refi's and purchases!!!

gio

Sorry about that. All three times I got a mortgage, (twice with a mortgage broker, once with a mortgage banker), they were very ethical and honest with me. However, if they would have said some of the things I posted, I would have sought out someone else. I have heard some major horror stories.

Glad to read you are one of the ethical ones.

The things you talk about are not "mortgage Broker tactics". They are tactics of shady people in this business. Not just mortgage brokers. There are many etical mortgage brokers out there. There are shady ones too. There are also shady bankers, Appraisers, Loan Officers, and Lenders.

Dont blame it all on one group. As a broker I could get a better deal for you than your banker and even go through his bank. So if you got an honest broker you would be better off.

I DO APPRECIATE YOU CLARIFYING YOUR RESPONSE, HOWEVER I DO BELIEVE JULIETT GOT THE RESPONSE SHE DID BECAUSE THAT GENTLEMAN IS A SCUMBAG. HAVE YOU EVER BEEN LIED TO AND SCREWED SO BAD THAT YOUR HOUSE AND FINANCIAL SITUATION IS ON THE LINE. THAT YOUR CHILDREN MIGHT ACTUALLY HAVE TO LEAVE THEIR HOME BECAUSE OF WHAT SOMEONE ELSE CHOSE TO DO? YOU HAVE NO IDEA WHAT IT IS LIKE! AND MOHAMAD CHOSE TO LIE AND CHEAT AND FORGE DOCUMENTS JUST TO MAKE A BUCK. AS DID JOHN CASTODIO THE GENTLEMAN I DEALT WITH.

HE DIDNT MAKE A BAD BUSINESS DECISION, HE KNEW WHAT HE WAS DOIN ALL ALONG, THAT IS WHAT THAT COMPANY DOES. MY LOAN OFFICER WENT AS FAR AS TO TELL ME THE PAPERS TO FIX THE PAYMENTS ARE IN THE MAIL, JUST WAIT AND THEY NEVER EXISTED. WE QUESTIONED OUR PAYMENTS AT THE CLOSING AND HE BOLDLY LIED RIGHT TO ME BECAUSE HE KNEW IF HE DIDNT WE WOULDNT SIGN, BUT HE ALSO KNEW THERE WAS NO WAY WE COULD AFFORD THEM.

THEY DO WHATEVER MEANS NEC. TO GET THE LOAN AND TO ME THOSE PEOPLE ARE SCUMBAGS. BEFORE THIS COMPANY WE HAD A 1400 A MONTH MORT. CREDIT CARDS AND PAID EVERYTHING ON TIME AND STILL WAS SAVING. WE WERE JUST STARTING OUT AND THINGS WERE ONLY GETTING BETTER. UNTIL THIS COMPANY. PUT YOURSELF IN OUR SHOES, WHAT WOULD YOU SAY TO THE PERSON WHO PUT YOUR FAMILY IN THIS SITUATION.

THE ONLY THING THAT WE ARE GUILTY IN IS TRUSTING SOMEONE, AND I THINK IT IS A COMPLETE SHAME THAT THE WORLD HAS COME TO THIS, THAT YOU CANT TRUST ANYONE BECAUSE EVERYONE IS OUT FOR MONEY. THANK GOD I AM A FIRM BELIEVER IN KARMA BECAUSE THEY WILL WITHOUT A DOUBT GET WHAT THEY HAVE COMING TO THEM, EVEN IF WE DONT GET COMPENSATED FOR WHAT HAS HAPPENED KARMA WILL GET THEM AND HOPEFULLY PEOPLE READ THIS AND NEVER DO BUSINESS WITH THIS COMPANY BECAUSE THEY ARE ALL EVIL PEOPLE WHO WORK THERE! BUT AGAIN THANK YOU FOR RESPONSE!

This rebuttal does not fall in line with the other rebuttals, but I felt it was important to help others in this situation.

If you are asked to pay for the appraisal up front, that is common and not a rip-off. Don't feel as though the mortgage company is trying to rip you off by asking you to do so.

When a mortgage broker advises you not to pay your current mortgage payment or it will mess up the payoff numbers, do not listen to him! This is a mortgage broker tactic used to put you in a corner to sign the paperwork. I know we all like to hear not to make that mortgage payment, but it can really screw you up if you don't. Because you didn't make that mortgage payment, you felt you were forced to sign the new paperwork because you were running late with the payment. Had you made the payment, you may have been more inclined to wait an extra few days to make sure the paperwork you signed was what you were promised. Had you made the payment, you may have chosen to start over, with a new company that wouldn't make false promises.

Also, had you made the payment, which made the payoff to the mortgage company too much, the mortgage company would have sent you an overpayment check within a month or so. So, once again, still make those mortgage payments even when you are refinancing.

When a mortgage broker tells you to go ahead and sign, and you can refinance again in 6 months, don't listen to him. What he doesn't tell you is you have to pay closing costs again to refinance to what you were promised now. He says and does whatever he can to get you to sign the paperwork, whether right or wrong, so he can get paid. There's nothing you can do once you have signed and passed the 3 day waiting period. Please people. Do not sign paperwork you haven't read and do not sign paperwork that is not what you were promised. Yes, the mortgage company is sleezy for not giving you what they promised, but if you sign, you cannot cry "rip off".

Also, your mortgage broker listed items in his rebuttal that had to be paid from closing proceeds. Didn't they call you ask about these items ahead of time? When a title company finds debts you owe, that have to be paid at closing, they usually contact you to make sure they are yours, that you haven't already paid them, etc.

Lucky for me, I had a great mortgage banker who only promised me what he could get for me and the paperwork was correct.

ME are my initials, its actually BME but I always sign my name Me.

Jackie, my rebuttle was more towards Juliet whom with such anger put Mohammed under her wrath and called him every name in the book, including him being a disgrace to human kind; how he is a scumbag and a lowlife. I don't know Mohammed either, but no one unless he is the son of devil himself deserves to be on the receiving end of all that. And certainly her behavior did not deserve the round of applause it got from everyone. There are laws that are in place to handle things like this, and any childish name calling and stumping someone to the ground to that magnitude is out of order. Therefore when i said there is no case, it was on breaching david's privacy because none was done on this website, not on the wrong doings of the subject company in question. Because I do hope to God that you and david get what you are after which is justice, and compensation.

I WENT DIRECTLY TO THE V.P KEVIN RILEY ABOUT THE ILLEGAL AND IMMORAL THINGS THIS COMPANY HAS DONE AND HE CHOSE NOT TO CARE. WE SHOWED HIM PROOF OF WHAT THIS COMPANY DID AND ONCE HE SAW PROOF HE SAID WE DONT WANT THIS TO GO TO COURT WE WILL FIX IT. AFTER A FEW WEEKS MY ATTORNEY CONTACTED HIM AGAIN AND HE SENT US TO LEGAL DEPT. WHO SAID THEY WERE GOING TO DO NOTHING. AND AFTER MY COMPLAINT THEY ACTUALLY GAVE THE MAN WHO SCREWED ME A PROMOTION AND MOVED HIM UP. THIS COMPANY IS NOT GOOD.

Because of sub-prime mortgage problems The Lending Center just shut down 25 branch locations which resulted in the loss of approximately 600 jobs. The company as a whole is a good company, however certain individuals within the company are creating a bad name for the company.

There are locations ran by certain area managers that will not stand for any type of fraudulent activity. However the flip side to the coin is that there are other area managers that will turn a blind eye.

As a consumer there is no way to know whether you are dealing with a branch of integrity. It is in your best interest to make sure you read your HUD and TIL at the closing very carefully. Everything will be spelled out. If you agree with everything, sign it!! If there are any discrepancies, DON'T SIGN.

Do not count on promises of "Just sign and we'll take care of it later". Right or wrong you can go to the bank on nothing changing after you sign!

This is for the person who responded as me. First question for you are you a lawyer? second it must have some impact for them to put my information on here for when I forwarded it to th Department of Financial Institutions it raised there attention. Enough to help in the pursuit of the matter and also the other government agencies I forwarded this info on to. So not much else for me to say. Thanks for everyones input.

Dave

JUST FOR THE RECORD I AM ONE OF THE PEOPLE SUING THE LENDING CENTER, AND I DO KNOW WHO DAVID IS AND THAT IS HIS FIRST NAME AND HE TOO IS FILING A SUIT AGAINST THE COMPANY. TO "ME" YOU HAVE SO MUCH ANGER IN YOUR REBUTTLE YET YOU DID NOT POST YOUR NAME, WHY IS THAT. FIRST NLC AKA LENDING CENTER IS A HORRIBLE COMPANY WHO SCREWS MANY MANY PEOPLE AND NOT ONLY ME AND DAVID MANY MORE PEOPLE ARE COMING FORWARD. I DO NOT UNDERSTAND WHY YOU WOULD BE SO MEAN AS TO WONDER ABOUT DAVID, BUT I HAVE COMPLAINTS FILED ON THIS SITE AND BECAUSE OF IT SEVERAL PEOPLE WITH INFO PERTAINING TO MINE AND DAVIDS CASE HAVE COME FORWARD BECAUSE OF THIS SITE. I STAND BEHIND HIM AND HAVE SHOWED HIM EXACTLY WHAT TO DO AND WHERE TO GO WITH HIS CASE, YOU NEED NOT WORRY ABOUT DAVID HE IS TAKEN CARE OF AND SOON ENOUGH WHEN HIS CASE GOES TO COURT AND A LARGE LAWSUIT IS AWARDED TO HIM FOR WHAT THE COMPANY DID THEN YOU WILL KNOW HIS LAST NAME AND REALIZE HE DOES EXIST. THIS COMPANY IS PURE EVIL AND IS THE NEXT AMERIQUEST AND SOON ENOUGH YOU WILL SEE THERE NAME SPREAD EVERYWHERE JUST LIKE AMERIQUEST.

Who is "David"? Do any of you readers know his last name? Do any of you know his address and the palce of his employment? Do any of you readers know who "David" is? I didn't think so. There are 20 trillion Davids out there, on the corner of each street, at least 2 or 3 of them in each floor of every building in that city probably. "David" alone doesn't mean anything, it's as good as "Mr. X" or "@#$%&" or whatever. I don't even know that's his real first name, do any of you? There is a reason ripoffreport.com keeps that information private. As stated on the page where you first register: "Your full first and last name is for our records only and will not be displayed on any filings."

The only people who know the answer to this question in this not-so-needed ordeal are "David" himself and Mohammed. As long as none of you readers know or can see on display "David"s last name, address, place of employment and other personal information besides just..."David".....there is no breach of privacy, you have no case, rest assured.

Have a nice day.

Hey, Dave, sorry it has been awhile since I saw this post, but great job finding out the ILLEGALITIES of the wonderful Mohammed's behaviors.

Just knowing that it is illegal makes me feel better. I KNOW it is, but couldn't think of the names of the documents and policies and all, so again, THANK YOU, DAVE!

Well as you may not know that according to the law that when you work for a company your name is free to use in connection to the company if you are involved in a matter. And for giving out my info that is a violation of the law, and also a violation of your companies privacy statement. So to all who reads this please save a copy to your computers so they can not try to remove it. Thank you all so much. Anyone in Wisconsin or elsewhere that reads this, having trouble with The Lending Center and may need help contact me at my email. if we join together we will help stop this type of activity.

Dave

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

Dear mr. mohamad it is soo soo sad that you probably believe all your lies. the company you work for is a fraud your company does several illegal and immoral things and as we speak is being investigatin by the rhode island banking, consumer protection and ct. attorney generals office and ct. banking commision and in case you dont know about our ct. attorney general, he helped ameriquest victims get 325 million in their lawsuit. i realy would like to know how you lay your head down at night. but like i told mr. john castodio over at first nlc in rhode island karma gets people. it is just a shame innocent people get hurt in the process. and just in case you are wondering i have tons of proof of my fraudulent contract. so if your company would like i will post all my proof online. like phone records, attorneys signature that is not liscened to practice in ct. inflated appraisel, notarized papers of two people who witnessed the loan who were never even there. your fraud goes all the way to your appraisors, your notaries and even your bank ocwen.. inflated fees, inflated my husbands income to get us approved for a loan we would never be able to afford the list goes on and on let me know if you would like me to post my proof.
your company preys on less then fortunate people, its called predatory lending and it is not legal. and it is not right.

Thank you so much everyone for you help. And yes I am now going to file my complaint with my state after seeing that my private info was put on display. I will also contact an attorney on this whole matter. I am also letting the coporate office know of Mohhammed puting out my info and sending them a copy of this page along with the other government agencies.

Thanks

Oh my, Mohammed Hamdan, what a breach of ethics you are confronted with, having your PROFESSIONAL NAME exposed!!!

Well, Mohammed Hamdan, when I am employed by a business, I have a full expectation that anyone who interacts with that business has a right to know my full name, ESPECIALLY under the sensitive circumstances as you dealt with concerning a consumer's privacy and personal financial information.

If YOU have an expectation of privacy in the course of your employment, then shred any business cards!!!! Don't dare write anything to anyone with your private' name on it!!

And God Forbid, if someone has PRAISE FOR YOU, don't let them use your full private' name!!

Should ANYONE ever wish to REFER business, directly TO YOU, don't let them do it!!! This is your PRIVATE' name, after all!

No, Mohammed Hamdan, it doesn't work that way, and any true professional knows this, and accepts it as risk of doing business.

Yes, for good, let my name be spread far and wide. For bad, oh no!!! That's private'.

Interesting you choose that point to highlight from all I wrote about, and that you commend John for his spelling and then note his lack of class', but address NO OTHER ISSUES RAISED.

John has all the class needed to get by in this world. He calls a duck a duck when he sees it is a duck.

To John from Rhinelander, WI -- THANK YOU!!! :) For all that I said, I LOVE WHAT YOU SAID lololol.

Upon unwanted reflection, but unavoidable for a period of time, I feel that Mohammed Hamdan may not be an employee any longer at The Lending Center, at any rate. If that's the case, hallelujah!

He titled his report as Loan Officer, but DID NOT submit it as Employee, so that's the first thing that makes me think he has left Lending Center.

Second, I do not see any reason he would not have put forth a truly predatory 'offer' for David to return to Lending Center for his future needs, unless Mohammed Hamdan, himself, would be able to benefit. That Mohammed Hamdan WOULD put in such a statement is without debate, to me. That no such statement appears definitely makes me think he has left.

Mohammed Hamdan may respond he didn't put in such an offer as he wishes to never work with David again, but I still think he would shamelessly plug his employer, if he could. If David were insane enough to return, and I am sure he isn't, and if Mohammed Hamdan were still an employee, I am certain he would make such a revolting statement of 'good will', so that he could find a way to shift financial credit from another employee to himself for a 'returning client'.

Mohammed Hamdan's complete inability to control himself and failure to exhibit any type of ethical standards surely would lead him to screw a fellow employee in this way, particularly if it means benefit for him without work on his part. I still hope this report makes its way to the Lending Center so that all records of activities while Mohammed Hamdan was employed can be thoroughly scrutinized.

If Mohammed Hamdan IS still an employee - he certainly should be held responsible for freely and HAPPILY divulging confidential client information that he only has access to as an employee of a company in which a FAADE of 'trust' is the ONLY attribute that distinguishes one from another.

If anyone reading this EVER knows of this creature and where it is currently employed, please do that business a favor and let them know that Mohammed Hamdan has no conception of privacy or honesty or ethics, just for starters. No business can afford such an employee, in any capacity whatsoever.

And just for the record, I do not know David in any way, or anyone else who has written on this report, or anyone else at all on RipOff Reports who has ever submitted a report or written a response, or even been referred to in a report, to the best of my recollection.

This breach of ethical behavior is so outrageous that I cannot believe it has happened. It is beyond my comprehension that anyone who is able to perform a job with access to such sensitive information could possibly be so morally ignorant that they could ever do what Mohammed Hamdan has done here.

I had no idea I am STILL such a Little Mary Sunshine that I am so outraged by this creature's behavior. That is my sole motivation for responding, to make it known to any reader that this behavior is beyond unacceptable, and is hopefully illegal.

If not illegal, well, Karma Sucks Mohammed Hamdan!!!!

To John from Rhinelander, WI -- THANK YOU!!! :) For all that I said, I LOVE WHAT YOU SAID lololol.

Upon unwanted reflection, but unavoidable for a period of time, I feel that Mohammed Hamdan may not be an employee any longer at The Lending Center, at any rate. If that's the case, hallelujah!

He titled his report as Loan Officer, but DID NOT submit it as Employee, so that's the first thing that makes me think he has left Lending Center.

Second, I do not see any reason he would not have put forth a truly predatory 'offer' for David to return to Lending Center for his future needs, unless Mohammed Hamdan, himself, would be able to benefit. That Mohammed Hamdan WOULD put in such a statement is without debate, to me. That no such statement appears definitely makes me think he has left.

Mohammed Hamdan may respond he didn't put in such an offer as he wishes to never work with David again, but I still think he would shamelessly plug his employer, if he could. If David were insane enough to return, and I am sure he isn't, and if Mohammed Hamdan were still an employee, I am certain he would make such a revolting statement of 'good will', so that he could find a way to shift financial credit from another employee to himself for a 'returning client'.

Mohammed Hamdan's complete inability to control himself and failure to exhibit any type of ethical standards surely would lead him to screw a fellow employee in this way, particularly if it means benefit for him without work on his part. I still hope this report makes its way to the Lending Center so that all records of activities while Mohammed Hamdan was employed can be thoroughly scrutinized.

If Mohammed Hamdan IS still an employee - he certainly should be held responsible for freely and HAPPILY divulging confidential client information that he only has access to as an employee of a company in which a FAADE of 'trust' is the ONLY attribute that distinguishes one from another.

If anyone reading this EVER knows of this creature and where it is currently employed, please do that business a favor and let them know that Mohammed Hamdan has no conception of privacy or honesty or ethics, just for starters. No business can afford such an employee, in any capacity whatsoever.

And just for the record, I do not know David in any way, or anyone else who has written on this report, or anyone else at all on RipOff Reports who has ever submitted a report or written a response, or even been referred to in a report, to the best of my recollection.

This breach of ethical behavior is so outrageous that I cannot believe it has happened. It is beyond my comprehension that anyone who is able to perform a job with access to such sensitive information could possibly be so morally ignorant that they could ever do what Mohammed Hamdan has done here.

I had no idea I am STILL such a Little Mary Sunshine that I am so outraged by this creature's behavior. That is my sole motivation for responding, to make it known to any reader that this behavior is beyond unacceptable, and is hopefully illegal.

If not illegal, well, Karma Sucks Mohammed Hamdan!!!!

To John from Rhinelander, WI -- THANK YOU!!! :) For all that I said, I LOVE WHAT YOU SAID lololol.

Upon unwanted reflection, but unavoidable for a period of time, I feel that Mohammed Hamdan may not be an employee any longer at The Lending Center, at any rate. If that's the case, hallelujah!

He titled his report as Loan Officer, but DID NOT submit it as Employee, so that's the first thing that makes me think he has left Lending Center.

Second, I do not see any reason he would not have put forth a truly predatory 'offer' for David to return to Lending Center for his future needs, unless Mohammed Hamdan, himself, would be able to benefit. That Mohammed Hamdan WOULD put in such a statement is without debate, to me. That no such statement appears definitely makes me think he has left.

Mohammed Hamdan may respond he didn't put in such an offer as he wishes to never work with David again, but I still think he would shamelessly plug his employer, if he could. If David were insane enough to return, and I am sure he isn't, and if Mohammed Hamdan were still an employee, I am certain he would make such a revolting statement of 'good will', so that he could find a way to shift financial credit from another employee to himself for a 'returning client'.

Mohammed Hamdan's complete inability to control himself and failure to exhibit any type of ethical standards surely would lead him to screw a fellow employee in this way, particularly if it means benefit for him without work on his part. I still hope this report makes its way to the Lending Center so that all records of activities while Mohammed Hamdan was employed can be thoroughly scrutinized.

If Mohammed Hamdan IS still an employee - he certainly should be held responsible for freely and HAPPILY divulging confidential client information that he only has access to as an employee of a company in which a FAADE of 'trust' is the ONLY attribute that distinguishes one from another.

If anyone reading this EVER knows of this creature and where it is currently employed, please do that business a favor and let them know that Mohammed Hamdan has no conception of privacy or honesty or ethics, just for starters. No business can afford such an employee, in any capacity whatsoever.

And just for the record, I do not know David in any way, or anyone else who has written on this report, or anyone else at all on RipOff Reports who has ever submitted a report or written a response, or even been referred to in a report, to the best of my recollection.

This breach of ethical behavior is so outrageous that I cannot believe it has happened. It is beyond my comprehension that anyone who is able to perform a job with access to such sensitive information could possibly be so morally ignorant that they could ever do what Mohammed Hamdan has done here.

I had no idea I am STILL such a Little Mary Sunshine that I am so outraged by this creature's behavior. That is my sole motivation for responding, to make it known to any reader that this behavior is beyond unacceptable, and is hopefully illegal.

If not illegal, well, Karma Sucks Mohammed Hamdan!!!!

To John from Rhinelander, WI -- THANK YOU!!! :) For all that I said, I LOVE WHAT YOU SAID lololol.

Upon unwanted reflection, but unavoidable for a period of time, I feel that Mohammed Hamdan may not be an employee any longer at The Lending Center, at any rate. If that's the case, hallelujah!

He titled his report as Loan Officer, but DID NOT submit it as Employee, so that's the first thing that makes me think he has left Lending Center.

Second, I do not see any reason he would not have put forth a truly predatory 'offer' for David to return to Lending Center for his future needs, unless Mohammed Hamdan, himself, would be able to benefit. That Mohammed Hamdan WOULD put in such a statement is without debate, to me. That no such statement appears definitely makes me think he has left.

Mohammed Hamdan may respond he didn't put in such an offer as he wishes to never work with David again, but I still think he would shamelessly plug his employer, if he could. If David were insane enough to return, and I am sure he isn't, and if Mohammed Hamdan were still an employee, I am certain he would make such a revolting statement of 'good will', so that he could find a way to shift financial credit from another employee to himself for a 'returning client'.

Mohammed Hamdan's complete inability to control himself and failure to exhibit any type of ethical standards surely would lead him to screw a fellow employee in this way, particularly if it means benefit for him without work on his part. I still hope this report makes its way to the Lending Center so that all records of activities while Mohammed Hamdan was employed can be thoroughly scrutinized.

If Mohammed Hamdan IS still an employee - he certainly should be held responsible for freely and HAPPILY divulging confidential client information that he only has access to as an employee of a company in which a FAADE of 'trust' is the ONLY attribute that distinguishes one from another.

If anyone reading this EVER knows of this creature and where it is currently employed, please do that business a favor and let them know that Mohammed Hamdan has no conception of privacy or honesty or ethics, just for starters. No business can afford such an employee, in any capacity whatsoever.

And just for the record, I do not know David in any way, or anyone else who has written on this report, or anyone else at all on RipOff Reports who has ever submitted a report or written a response, or even been referred to in a report, to the best of my recollection.

This breach of ethical behavior is so outrageous that I cannot believe it has happened. It is beyond my comprehension that anyone who is able to perform a job with access to such sensitive information could possibly be so morally ignorant that they could ever do what Mohammed Hamdan has done here.

I had no idea I am STILL such a Little Mary Sunshine that I am so outraged by this creature's behavior. That is my sole motivation for responding, to make it known to any reader that this behavior is beyond unacceptable, and is hopefully illegal.

If not illegal, well, Karma Sucks Mohammed Hamdan!!!!

Juliet-
David listed my first and last name in the article he listed, that is private information. He had the problem with the company that I work for, why put my name in there??

John-
Great spelling. Now learn some class!! You are definately lacking in that department.

Mohammed.
Its not the rears, its arears, its definitely, not definately, the appraiser made a mistake he didn't mad a mistake, but I guess thats the customers fault too. Appraiser works for you, but still the customers fault.

Customer was in a bind as explained to you, I mean explaind to you and again appraiser works for you so you needn't take any responsibilty.

let me just say this:
your a d**k

Mohammed Hamdan - I cannot BELIEVE you are so much of a lowlife, unethical scumbag and SO IGNORANT on top of that, to come on a public website and list a private consumer's PERSONAL INFORMATION that was revealed to you with a 100% FULL EXPECTATION OF PRIVACY AND CONFIDENTIALITY.

If there are laws that can be used to prosecute you for this horrendous conduct, OH, I PRAY YOU ARE IMPRISONED FOR THIS BREACH OF ETHICAL BEHAVIOR, FOR MANY YEARS OF HARD TIME.

You are the lowest possible type of scum-sucking sorry excuse of a human this earth has.

I don't know the writer of this report, in any way, shape or form.

I am not associated with your vile 'employer', and believe me, I WILL be making sure that my relatives and friends in your region know of this kind of behavior by an employee.

Please let there be laws to prosecute you.

I thought I couldn't be shocked by the behavior of predatory businesses, for the most part, TILL NOW.

Mohammed Hamdan, YOU ARE A DISGRACE TO HUMANITY.

I hope you never work again, and live until you are 100, under a bridge, as you so richly deserve. Yes, I want you imprisoned, and then released into an earthly hell for the rest of your life, without the ability to victimize anyone, in any way, ever again.

Please, David, Please make sure you send this report directly to every person in this pathetic excuse for a human's office, not only by email, THROUGH THE MAIL.

Please make sure that the top corporate offices know they have an employee who is more than happy to disclose PRIVATE, PERSONAL INFORMATION OF A CLIENT OF THIS COMPANY ON A PUBLIC WEBSITE.

They really need to scrutinize him for all other ethics-related violations or they may be very sorry THEY didn't. I know how sorry you are already, David, for your unfortunate encounter with this demon in disguise, who is incompetent to perform the job he was hired to do, if nothing else!

I realize you are hard-pressed for cash, but please, see if there are low-cost or free legal services you can at least CALL, and tell them what he has done here, and see if there is ANYTHING you can do to make him rue the day he ever viewed himself as anything like a human being.

Please do not let Mohammed Hamdan get away with this, David. I have copied and pasted this entire report with his response on it, just in case anything happens so that it's no longer available to you, somehow. I suspect NOTHING BAD to be done by this website, not in the least, but I put NOTHING PAST THIS VILE CREATURE.

And as for David posting YOUR NAME, Mohammed Hamdan, as an employee of a company, there is NOTHING unethical about that, whatsoever.

If a copy of this report with Mohammed Hamdan's horrific breach of ANY CUSTOMER'S RIGHT TO PRIVACY is ever needed, please contact RipOff Reports to have them contact me. I would be SO DELIGHTED to help bring this evil creature out of any arena that deals with HUMANS, in any way.

Mohammed Hamdan - I cannot BELIEVE you are so much of a lowlife, unethical scumbag and SO IGNORANT on top of that, to come on a public website and list a private consumer's PERSONAL INFORMATION that was revealed to you with a 100% FULL EXPECTATION OF PRIVACY AND CONFIDENTIALITY.

If there are laws that can be used to prosecute you for this horrendous conduct, OH, I PRAY YOU ARE IMPRISONED FOR THIS BREACH OF ETHICAL BEHAVIOR, FOR MANY YEARS OF HARD TIME.

You are the lowest possible type of scum-sucking sorry excuse of a human this earth has.

I don't know the writer of this report, in any way, shape or form.

I am not associated with your vile 'employer', and believe me, I WILL be making sure that my relatives and friends in your region know of this kind of behavior by an employee.

Please let there be laws to prosecute you.

I thought I couldn't be shocked by the behavior of predatory businesses, for the most part, TILL NOW.

Mohammed Hamdan, YOU ARE A DISGRACE TO HUMANITY.

I hope you never work again, and live until you are 100, under a bridge, as you so richly deserve. Yes, I want you imprisoned, and then released into an earthly hell for the rest of your life, without the ability to victimize anyone, in any way, ever again.

Please, David, Please make sure you send this report directly to every person in this pathetic excuse for a human's office, not only by email, THROUGH THE MAIL.

Please make sure that the top corporate offices know they have an employee who is more than happy to disclose PRIVATE, PERSONAL INFORMATION OF A CLIENT OF THIS COMPANY ON A PUBLIC WEBSITE.

They really need to scrutinize him for all other ethics-related violations or they may be very sorry THEY didn't. I know how sorry you are already, David, for your unfortunate encounter with this demon in disguise, who is incompetent to perform the job he was hired to do, if nothing else!

I realize you are hard-pressed for cash, but please, see if there are low-cost or free legal services you can at least CALL, and tell them what he has done here, and see if there is ANYTHING you can do to make him rue the day he ever viewed himself as anything like a human being.

Please do not let Mohammed Hamdan get away with this, David. I have copied and pasted this entire report with his response on it, just in case anything happens so that it's no longer available to you, somehow. I suspect NOTHING BAD to be done by this website, not in the least, but I put NOTHING PAST THIS VILE CREATURE.

And as for David posting YOUR NAME, Mohammed Hamdan, as an employee of a company, there is NOTHING unethical about that, whatsoever.

If a copy of this report with Mohammed Hamdan's horrific breach of ANY CUSTOMER'S RIGHT TO PRIVACY is ever needed, please contact RipOff Reports to have them contact me. I would be SO DELIGHTED to help bring this evil creature out of any arena that deals with HUMANS, in any way.

Mohammed Hamdan - I cannot BELIEVE you are so much of a lowlife, unethical scumbag and SO IGNORANT on top of that, to come on a public website and list a private consumer's PERSONAL INFORMATION that was revealed to you with a 100% FULL EXPECTATION OF PRIVACY AND CONFIDENTIALITY.

If there are laws that can be used to prosecute you for this horrendous conduct, OH, I PRAY YOU ARE IMPRISONED FOR THIS BREACH OF ETHICAL BEHAVIOR, FOR MANY YEARS OF HARD TIME.

You are the lowest possible type of scum-sucking sorry excuse of a human this earth has.

I don't know the writer of this report, in any way, shape or form.

I am not associated with your vile 'employer', and believe me, I WILL be making sure that my relatives and friends in your region know of this kind of behavior by an employee.

Please let there be laws to prosecute you.

I thought I couldn't be shocked by the behavior of predatory businesses, for the most part, TILL NOW.

Mohammed Hamdan, YOU ARE A DISGRACE TO HUMANITY.

I hope you never work again, and live until you are 100, under a bridge, as you so richly deserve. Yes, I want you imprisoned, and then released into an earthly hell for the rest of your life, without the ability to victimize anyone, in any way, ever again.

Please, David, Please make sure you send this report directly to every person in this pathetic excuse for a human's office, not only by email, THROUGH THE MAIL.

Please make sure that the top corporate offices know they have an employee who is more than happy to disclose PRIVATE, PERSONAL INFORMATION OF A CLIENT OF THIS COMPANY ON A PUBLIC WEBSITE.

They really need to scrutinize him for all other ethics-related violations or they may be very sorry THEY didn't. I know how sorry you are already, David, for your unfortunate encounter with this demon in disguise, who is incompetent to perform the job he was hired to do, if nothing else!

I realize you are hard-pressed for cash, but please, see if there are low-cost or free legal services you can at least CALL, and tell them what he has done here, and see if there is ANYTHING you can do to make him rue the day he ever viewed himself as anything like a human being.

Please do not let Mohammed Hamdan get away with this, David. I have copied and pasted this entire report with his response on it, just in case anything happens so that it's no longer available to you, somehow. I suspect NOTHING BAD to be done by this website, not in the least, but I put NOTHING PAST THIS VILE CREATURE.

And as for David posting YOUR NAME, Mohammed Hamdan, as an employee of a company, there is NOTHING unethical about that, whatsoever.

If a copy of this report with Mohammed Hamdan's horrific breach of ANY CUSTOMER'S RIGHT TO PRIVACY is ever needed, please contact RipOff Reports to have them contact me. I would be SO DELIGHTED to help bring this evil creature out of any arena that deals with HUMANS, in any way.

David-
It's very clear that you stated many wrong facts. Your cash amount was less than expected because we had to pay $10,974.55 child support judgement on your title because you were that much in the rears. Two other collections showed up on your title: $445.86 by Affinity Medical Group and $2,700.65 by Cynthia Munson. Had your title been clean, you would have recieved over 20K cash out. Instead, like any mortgage company nationwide, we had to pay off all liens on the title to get your title clear. You still recived $8,846. and had two months break of payments.

David-
You were never told that your rate would be fixed for the entire term of the loan. On the original RESPA package that you recieved, and during the process, you were told that you were getting 3-year-ARM mortgage (fixed for 3 years then adjustable). A 30 year fixed mortgage would have definately been an option for you at a slightly higher rate, but you did not request it!

As far as the appraiser cashing the check, he mad a mistake. He does NOT work for our company, but he is an appraiser that we deal with. 9 out of 10 times he would not take post dated checks, he did it for you because you were in a bind, as you explaind to us.

David-
For your next refinance, make sure you read the paperwork, pay attention to the loan officer, know what's on your credit report as well as your title, that will ensure that the process will be more smooth and responsive. Also know, that any time you have liens on your title, your refinance company would have to pay them off! So do NOT fall behind in your child support again!!

I'm happy that I was able to do a loan that benefited you even if you may not agree with that. Yet, thay the best I could qualify you for with your credit at that time!!

I TOO HAVE BEEN VICTIMIZED BY THIS COMPANY AND HAVE FILED A RIP OFF REPORT ALSO. THERE ARE SEVERAL THINGS YOU CAN DO. FIRST DO NOT SIT BY AND LET THEM GET AWAY WITH THIS. IT MAY BE A LONG BATTLE BUT IN THE END IT WILL BE WORTH IT. IF YOU CHECK OUT MY RIP OFF YOU WILL SEE THAT THIS COMPANY FORGED DOCS. NEVER GAVE ME MY GOOD FAITH ESTIMATE, LIED ABOUT PAYMENTS AND INFLATED ALL CLOSING COST FEES.

THERE ARE ACTUALLY 17 ILLEGAL THINGS IN THE CONTRACT NOT INCLUDING THE IMMORAL THINGS THIS COMPANY DOES. HOWEVER WHAT YOU DO IS FIRST CONTACT YOUR STATE BANKING COMMSION AND FILE A COMPLAIN.

I PERSONALLY GOT IN TOUCH WITH CT STATE ATTORNEY RICHARD BLUMENTHAL AND HIS OFFICE ALONG W/ BANKING IS HANDLING THIS I ALSO GOT MYSELF AN ATTORNEY AND WILL BE FILING A VERY LARGE SUIT. ALSO CONTACT YOUR STATE CONSUMER PROTECTION AGENCY FILE A COMPLAINT THERE. AND JUST FOR THE HECK OF IT CONTACT EVERY NEWSCREW IN YOUR STATE AND THE STATE FIRST NLC IS IN AND TELL THEM YOUR STORY AND MAYBE THEY WILL DO SOME INVESTIGATING WORK AND EXPLOIT THIS COMPANY FOR WHAT IT TRUELLY IS.

DO NOT JUST SIT AROUND AND TAKE IT. I HAVE 2 CHILDREN AND STILL DONATE ALOT OF MY TIME TO THIS FIGHT WITH GOOD REASON. IF YOU HAVE ANY MORE QUESTIONS OR NEED ADVISE I WILL GIVE U MY EMAIL, (THEY NORMALLY RETRACT THEM) SO JUST PUT EVERYTHING TOGETHER MEADOWC @ COMCAST .NET IT IS ALL ONE WORD. HOPEFULLY YOU GET IT. GOOD LUCK WITH THIS FIGHT. KEEP ME POSTED

i was just recently let go from the company becuse of company wide cut backs due to the mortgage industry takeinh a crap . well my termination date was on the 16th of march and i was let go on the 21st of mach they let me work those extra days for nothing and didnt feel as if they neede to tell me when i was terminated . they also still have not paid me my commisions for the month and or my pay check yet and when i called payroll to ask they told me it would be on the way . they are not a good company to work for or do business with they bait and switch all their customers and employees they never sick to their word and always change the numbers . they dont have any customer good customer relations .DO NOT DO BUSINESS WITH THIS COMPANY THEY WILL RIP YOU OFF

well as of today i did not receive my money as promised and also the district manager called me and told me it would take 4-6 weeks for my money even though i was told it was sent out already. he was also going to call me back in regards to a lower interest rate he was going to call the other lender that was going to give me the rate and see if it was true. i was told he would call me back no later than 2 days. well its been 3 weeks and no response and no returned phone calls either. is there any one who is willing to help me. i contacted the BBS in my state and that is a slow process. the company didn't even respond on time to my complaint. they waited until there gaurantee date had expired and then contacted the BBB.

I used to work for the lending center for over two years. If you look on this site under First nlc you will find reports on them there to. These are the same company. When I first started First NLC (The lending Center)they were much smaller and very ethical. I left because they are the new Ameriquest. I know alot of thier branch,area, and all thier regional managers. Not a single one that I know does not have ameriquest on their resume. Not a single one! They all came over and brought their loan officers with.

Some of their newer branches they just took over when Ameriquest shut them down (louilville and Colorado Springs 2 that I know of) Same managers, same empoyees, same office space, even sitting at the same desks. So you should read about Ameriquest also. This place has become full of fraudulent activities. I do know that in the past the Lending center has still canceled a loan after the 3 day cancelation period if a customer threw a big enough fit.Make sure you havent spent the money you recieved. Dont call into the branch though they will just lie to you more.

And I would be willing to bet that you wont get your money you have been promised unless you go over the branch managers head. So try this number 1800-950-3314 get the operater and tell them you need to file a complaint, and that you have been nothing but lied to by the people in the branch. I hope this info will help.

well it is the next day and nobody contacted me yesterday about my situation from the lending center as promised. i should have figured. i also did not recieve my money as promised. so i guess this goes to show that they really don't care about there customers and only care about the money and there comision from the mortgages.