My name is Robert and I am counsel to Ozarks Waterpark Ventures. I am in Chicago, IL. I am providing this information to the general public at the request of my clients but also specifically in the hopes that anyone considering a loan with any of the parties and individuals mentioned only do so based on verifiable, credible sources and that any documentation be verified directly with the source of the information.

Verlin and David Gradney represent themselves as running a family office and essentially operating as trading and fund managers, while also brokering loan transactions. David Gradney is not licensed to perform this activity. Verlin Gradney has a financial services background but licensure lapsed several years ago.

www.brokercheck.finra.org/individual/summary/4241644

Ozarks Waterpark Ventures began discussing a loan transaction with Verlin and David Gradney in May 2015. By July 2015, we were in the negotiations on a term sheet for a loan. On July 7, 2015, at our request, we received a written summary of the parties involved and their interactions. Since this loan was to be from a privately held group, we asked for proof of their financial capability to perform this transaction. That proof was attached to the July 7, 2015 email, in which Verlin Gradney provided a "Bank Comfort Letter" (attached) from HSBC in London specifically describing the funds on deposit of Euro 492M and with a credit facility of Euro 443M in the name of Pacific Asian Holding Corporation, with signatories, Antonio Yap, Jr, and Marco Meza.

On August 12, 2015, we requested a bank officer's contact information that had been marked out of the first version of the letter or really anyone that could confirm this information. By this time we had a third party firm working on the verification of the information provided and getting background information on all parties involved. That evening Verlin invitied one of our party's representatives to view this document on his computer screen. The attached document with signature was what was provided.

On August 19, 2015, we executed a Private Debt Financing Agreement with Stone Development (Verlin & Dave Gradney) and Pacific Asian Holding Foundation (A Nevada entity) as the Lenders for $40M along with associated documentation. We did execute this loan on the basisi of the information having been provided being accurate and verifiable.

On August 25, 2015, we informed Verlin Gradney of the following:

1. That the Bank Comfort Letter provided with Lydia Hovhannisyan's signature from HSBC was in fact a fraudulent document.

2. Lydia Hovhannisyan at HSBC was located at a branch different than the address on the letter.

3. That Lydia did not know Verlin Gradney, did not author this letter, and that various forms of this letter had made its way to HSBC for verification.

4. Therefore, all of the information on the letter was made up and used to perpetuate a fraud.

On August 26, 2015, Mr. Verlin Gradney spoke to our representative again and our representative informed him that we would be initiating legal action against all entities and the individuals involved as this was now a clear, completely proven fraud. Mr. Gradney said, "this will ruin my career" and discussed ways to potentially handle the loan closing differently and also to come up with ways to prevent legal action. As a result we provided them a Standstill Agreement and asked for reimbursement of our third party expenses for being sent down this ridiculous path of due diligence on a fraud.

Since then, the accusations have flown. Verlin and David mentioned a number of things which scream that this entire thing was a fraud. They have stood firm that the letter was real. That they were provided this letter from Pacific Asian Holding Foundation and if it was not real they had no knowledge of it.

On a phone call in which both David and Verlin Gradney were confronted with this "fake" letter, David Gradney asserted and then later in writing indicated that MARCO GABRIEL MEZA was a 25 year veteran of Interpol as an agent, and as a result of this background, held considerable sway in governmental and law enforcement looks at this transaction. This information is completely false. Just add impersonating an authority to the list.

Most recently, Mr. David Gradney told a colleague of our entity that he had travelled from Temecula, CA with Verlin Gradney and were signatories on an account opened at HSBC in Las Vegas. He also stated that the fraudulent letter was provided to them at that bank and that a "security person" handwrote the word VOID on the letter as you see in the attachment. Mr. Gradney was apparently unaware that HSBC bank has no locations in Las Vegas or in the state of Nevada or any office of any kind in that area. While we simply took in this information, we are confident that confronting him with his own stupidity would only result in another lie.

Therefore, in summary, we will be seeking a civil judgment against this clear and incontrovertible fraud. The fraud was in effort to receive money up front as "closing costs" for the loan and attempted to do so by inducing us, other parties, to enter into a loan with Stone Development and Pacific Asian Holding Foundation by providing false information about the wherewithal of Pacific Asian Holding Foundation and Stone Development with forged signatures of real people.

This is certainly criminal activity beyond a civil course of action.

A few notable facts:

1. The financial information provided about Pacific Asian Holding Foundation is fraudulent in every way.

2. That Mr. Marco Gabriel Meza is not now nor has he ever been an agent with Interpol.

3. That David Gradney's meeting with HSBC in Las Vegas could not have and did not take place as there is no HSBC in Las Vegas. Boy, that one shows how pathological their lying and deceipt really is.

4. And likely nearly every email from the Gradneys has falsehoods, which the attached to come Request for Admissions will detail. All of those items reference something they put in writing and likely a fraud meant to prop up their capabilities, successes, etc. which are likely, in fact not true. Therefore getting them to answer these under the threat of perjury and then being able to force proof of anything they affirm will very rapidly separate the lies from truths.

Lastly, my client recorded two conversations with Verlin Gradney on August 25, and August 26 when confronting Mr. Gradney for the first time about the fraudulent nature of the letter. I can provide those recordings to anyone requesting them. They make very interesting listening.

Click Here to read other Ripoff Reports on Verlin Gradney

11 Updates & Rebuttals

Law Enforcement

#2Author of original report

Wed, February 10, 2016

VERLIN GRADNEY

DAVE GRADNEY

We posted a phone number and we found the following parties all had been defrauded

Christina Xxxxx_kansas city mo. Stole $60,000 and promised loans for over 2 years

Anrthony Sxxx_ texas. Stole money and guaranteed a $20m loan not complete but pg"d the loan to get the escrow money

Arvind xxxx_texas. Personally guaranteed a $3m loan to give them a $20m loan to get the escrow money

Jake Sxxxx_LA.promised.a.loan and did not perform for the upfront money.

NXXXX XXXXX. Promised a loan.unperformed

OSCAR XXXX. Loaned the gradneys $75,000 for high return and the series of lies to him are ever growing. No repayment.

******This represents the newest frauds where the Gradneys were just looking to take bridge loans for their living expenses and offering extremely high returns except they are lying about the use ofthe funds and that they have in the last year personally guaranteed millions in loans to skate by. We recently thwarted their latest attempt when an attorney in San Diego contacted us and we informed him of our experience and I directed him to several others on the list. That person saved $60,000.

Xxxxxx xxxxx. Atlanta ga...used a broker to provide a fake $100m proof of funds and listed him as.a board member.but he isnt

Xxxxx xxxxx. Multiple other parties for $60k here or $300k there in order to further their frauds

This list is partial but illustrates a posting we made and then posted a phone number and pretty quickly all of these folks got in touch with us.

We directed those parties to report their activity to the fbi and to the local district attorneys office. MICHAEL HESTRIN AT (((REDACTED)))

He is the district attorney for Murrieta Division of the County of Riverside.

For our part I am a minority partner in an entity that entered into a $40m loan with the gradneys and later learned their bank statements and all of their accolades.turned out to be fake. When approached they lied then tried to assert all sorts.of accusations. We posted the reports on them and have now initiated a lawsuit against them and the other parties involved.

Please.see.the posts on them and I simply was not afraid of these two and I coordinated with all of the otheer defrauded parties to get them to law enforcement.

Information

#3Author of original report

Wed, September 23, 2015

Another Fraudulent Bank Letter.

Information

#4Author of original report

Wed, September 23, 2015

New Fraudulent documents from The Gradneys.

Information

#5Author of original report

Tue, September 22, 2015

Again, we find Mr. David Gradney attempting anything to distract from the truth which is all posted. So we will attempt to respond to anything that is not jibberish.

You clearly did not read the articles that you posted. Therefore your comments are simply uninformed.

What we have established and clearly seen as the Method of Operation of Verlin and David Gradney is to attach themselves to a few legitimate people and hope that in the mere appearance of your doing business with them, that you would by osmosis have credibility. It has resulted in the unfortunate use of people's names and information by the Gradneys in a fraudulent way. See attached Trust Document. At least two of those parties were fraudulently inserted. The Hong Kong entity was not formed until 2014 and thus could not have been a board member in 2013 and the US individual you have provided didn't meet you until a month after you say he was a board member and denies in writing he was ever a board member.

Our group did not demand money from you as a result of your fraudulent activity. We discussed your problem and as originally posted we provided you a standstill agreement and on principal gave you an opportunity to fix the two problems that your fake letters and fraudulent information created. That is 1) a reimbursement of our expenses to perform due diligence and review of your fraudulent documentation and HSBC information and 2) alterations to the agreements removing the necessity to ever send any money directly to the fraud circle. We will post that just to put your lies into perspective.

David, once again you clearly do not have accurate information. You received all of the information you ever requested validating our wherewithal. And Mr. Crumpler is not a 51% owner and he did not indicate to you Ozarks did not have the escrow funds, he explicitly told you that because you are a proven fraud, you would not be sent any money directly. However, your vast legal knowledge notwithstanding, I think your fraudulant activities are pretty clear.

Your assertion of what you offered is ridiculous. First, in the real world, it only takes a moment to do bank verifications and provide proof of funds. Given the other loans that you currently have not fulfilled on, without betraying any confidences made to our members, I will just say, Chicago-$60k; Other City-$50k+/-; Atlanta-$300k; and others, this is money you took in for loans you never provided to anyone. Moreover, you are spilling the same fraudulent info to them about Pacific Asian Holding FOundation, etc.

What I can say is once again your explanation or really two attempts here....an if the first one doesn't work, perhaps the 2nd one will work is that first because someone wrote "VOID" on a letter, the only letter and accompanied with the July 7 email, is the only thing you used to validate the funds of Pacific Asian Holding Foundation that this absolves them of fraud is wholly unconvincing. Then your second attempt is that because one of our parties wanted this letter to be shown to him with the person's signature, and you invited our party to view the document and he later found it to be a fraud and forgery that this invalidates your fraud again is wholly unconvincing.

As to your specifics, I noticed you used correct language in that any of our parties were "accused of something, not convicted. I think a review of the details illustrate why it was not moved to anything beyond an accusation.

Report Attachments

FS01

riverside,
California,
USA

Did some digging

#6Consumer Comment

Tue, September 22, 2015

Council or attorney or William Ryan Woods you are a individual and have quit a personality, just by googling your name its telling a whole nother story that the public isn't aware of and your not being honest and telling the full truth of this story.

Do you think maybe their not allowed to do business with accused felons or people that have failed in the past to put money in escrow to complete a transaction and they have the U.S. Attorney contacting them for failure to preform like whats posted down below?

You didn't tell the truth, tell everyone you signed all contracts and loan agreements, you even signed a escrow agreement with a third party attorney hired by the lender with 42 years experience! People do you think a attorney out of New York that has ran top 500 company's on his resume would represent a company thats handling out fraud paperwork? I notice you didn't attach the attorney name or company to this BS complaint, your smart and you know better William Ryan Woods. I used the info you posted and as a lender myself this story your story doesn't make since period!

Why would you sign all of the lender contracts and attorneys and then send a email showing and validating your wire was sent in August but in your words you admitted that the letter was fraud in July is what you found out? Why? Please answer!

It gets better people, supposedly this gentlemen was able to stop a wire 24 hours later! Then once the wire was stopped the next day he says his council or attorney wrote a demand letter DEMANDING 22 thousands dollars be wired to his personal account not attorney's account or even a escrow right? Then I see and read a email and voice message from Ryans Woods 51% partner Jerry Crumpler he admitts Ryan Woods wrote that letter and this letter its in writting so like I said FRAUD saying and acting as a attorney, thats what council means! Ryan Woods first statement is you can make this all go away by paying the 22 thousand dollars or he will report this as fraud and its his word against ours even thou he sent the extortion letter. Then he rewrites the lenders contracts which is illegal and take out the escrow deposit of 3 million so he wouldn't have to pay it. That's the lenders cost and shows he has skin in the game since this is a private lender not Wells Fargo. Amazing and disgusting.

If you read below William Ryan Woods past history which is all over Google of he has failing to preform by bring his escrow and down payment to the table to close many deals, do we see and smell a pattern here. William Ryan Woods is the one who signed all the contracts and loam agreements and escrow agreement for 3 million dollars. I did ask to see their POF or proof Ozark and Ryan Woods even had the capital of 3 million to even engage this lender. The lender shared with me 3 emails where he has asked over and over to validate the POF because their was no company name or persons name on the account Ryan Woods crossed everything out with a marker. But Ryan has confirmed this was his capital and he controlled it but he would never provide the proof the lender was asking for. In the end Ryan or Jerry never had the capital Jerry Crumpler verified over the phone and in a email him or Ryan didn't have the 3million for escrow and Jerry had to call in one of his investors which was never disclosed, that VOIDS all agreements right there. Thats Fraud and inducemnt and something called lying on contracts!

The lender tried 3 different times with Jerry Crumpler in getting him to agree to do a side deal with Ryan because the lender wouldn't deal with a person that is trying to extort them for money or someone with a felony arrest record and all the lawsuits. Lender still would do the deal as long as they put money in escrow and in 24 hours they would have a bank to bank call verifing funds and the account. Then the lender would send a HSBC committ letter confirming the clients loan and down payment which would be swifted bank to bank as a instrument. They still wouldnt move forward? So the moral of the story a repeat from William Ryans Woods past failure to preform due to he has NO money or capital to move forward so he has to turn the table and pull extortion scams like this one to get his deal done with no money!

The lender is standing their ground and I have to take my hat off to them because all you have is integerity and your word and what this lender is going through because of people like these scum bags is sad. The letter said VOID move on and it wasn't addressed to you so it has no merit to you or your transaction, your trying really hard to make it fit and a circle doesn't fit in a round whole!

By the way the lender also shared a email from Ryan Woods admitting during a go to meeting Ryan Woods took a screen shot of the lenders desk top during a go to meeting. Ryan Woods admitts what he did so the real truth is it was never given to him when you see his copy its cut and pasted because he only has the top and bottom not the middle. What he has posted is what the lender email to Jerry Crumpler after the extortion letter came from Mr. Woods. Think about that people really hard and realize the kind of person this lender is dealing with!

http://circuitattorney.org/docs/William%20Woods%20PC.pdf

STATE OF MISSOURI VS

WOODS, WILLIAM RYAN

The defendant, in violation of Section 565.225, RSMo, committed the class D felony of aggrevated stalking, punishable upon conviction under Sections 558.011 and 560.011 and 574.010, RSMo, in that on or about May 27, 2012 at 9:30 AM, in the City of St. Louis, State of Missouri, the defendant purposely followed with the intent of harassing D.W. by placing a GPS tracking device on her vehicle and electronically monitoring her movements, and, in the course thereof, the defendant violated an order of protection, of which defendant had received actual notice, by stalking D.W. through the use of the GPS tracking device.

Count1: AGGRAVATED STALKING 1ST (Class D FELONY) RSMo 565.225

ON 5/27/2012 Time: 9:30 AM Place: 42XX Laclede Ave (SCC 34221)

ID #s: COMPLAINT#: 120026579 LID: ARREST#: 4120014683 DIST: SLMPD OCN:

http:/circuitattorney.org/docs/William%20Woods%20PC.pdf

http:/www.stltoday.com/news/local/crime-and-courts/stalkers-find-friend-in-gps-technology/article_a87988f2-a755-567e-942f-5c5808719345.html

http:/www.stltoday.com/news/local/crime-and-courts/richmond-heights-man-charged-with-using-gps-tracking-device-to/article_dbcc2a98-ae99-11e1-9c9d-0019bb30f31a.html

https:/dockets.justia.com/docket/missouri/moedce/4:2010cv02281/110605

" target="_blank">

http://www.stltoday.com/news/local/crime-and-courts/stalkers-find-friend-in-gps-technology/article_a87988f2-a755-567e-942f-5c5808719345.html

http:/circuitattorney.org/docs/William%20Woods%20PC.pdf

http:/www.stltoday.com/news/local/crime-and-courts/stalkers-find-friend-in-gps-technology/article_a87988f2-a755-567e-942f-5c5808719345.html

http:/www.stltoday.com/news/local/crime-and-courts/richmond-heights-man-charged-with-using-gps-tracking-device-to/article_dbcc2a98-ae99-11e1-9c9d-0019bb30f31a.html

https:/dockets.justia.com/docket/missouri/moedce/4:2010cv02281/110605

" target="_blank">

http:/circuitattorney.org/docs/William%20Woods%20PC.pdf

http:/www.stltoday.com/news/local/crime-and-courts/stalkers-find-friend-in-gps-technology/article_a87988f2-a755-567e-942f-5c5808719345.html

http:/www.stltoday.com/news/local/crime-and-courts/richmond-heights-man-charged-with-using-gps-tracking-device-to/article_dbcc2a98-ae99-11e1-9c9d-0019bb30f31a.html

https:/dockets.justia.com/docket/missouri/moedce/4:2010cv02281/110605

" target="_blank">http://www.stltoday.com/news/local/crime-and-courts/richmond-heights-man-charged-with-using-gps-tracking-device-to/article_dbcc2a98-ae99-11e1-9c9d-0019bb30f31a.html

http:/circuitattorney.org/docs/William%20Woods%20PC.pdf

http:/www.stltoday.com/news/local/crime-and-courts/stalkers-find-friend-in-gps-technology/article_a87988f2-a755-567e-942f-5c5808719345.html

http:/www.stltoday.com/news/local/crime-and-courts/richmond-heights-man-charged-with-using-gps-tracking-device-to/article_dbcc2a98-ae99-11e1-9c9d-0019bb30f31a.html

https:/dockets.justia.com/docket/missouri/moedce/4:2010cv02281/110605

" target="_blank">

http:/circuitattorney.org/docs/William%20Woods%20PC.pdf

http:/www.stltoday.com/news/local/crime-and-courts/stalkers-find-friend-in-gps-technology/article_a87988f2-a755-567e-942f-5c5808719345.html

http:/www.stltoday.com/news/local/crime-and-courts/richmond-heights-man-charged-with-using-gps-tracking-device-to/article_dbcc2a98-ae99-11e1-9c9d-0019bb30f31a.html

https:/dockets.justia.com/docket/missouri/moedce/4:2010cv02281/110605

" target="_blank">https://dockets.justia.com/docket/missouri/moedce/4:2010cv02281/110605

http:/circuitattorney.org/docs/William%20Woods%20PC.pdf

http:/www.stltoday.com/news/local/crime-and-courts/stalkers-find-friend-in-gps-technology/article_a87988f2-a755-567e-942f-5c5808719345.html

http:/www.stltoday.com/news/local/crime-and-courts/richmond-heights-man-charged-with-using-gps-tracking-device-to/article_dbcc2a98-ae99-11e1-9c9d-0019bb30f31a.html

https:/dockets.justia.com/docket/missouri/moedce/4:2010cv02281/110605

" target="_blank">

http://bergersbeat.com/judge-to-rule-on-3-1-million-penthouse/ Regards,

St. Louis Circuit Court Judge Robert Dierker will rule any day now on Daniela and William Ryan Woods‘ failure to pay $3.1 million for a 2-story penthouse in the Park East Tower, Laclede at Euclid Avenues. The couple was obligated to pay Lecil and Stephen Saller, via U.S. Title, at the close of purchase in September. The transfer of funds never occurred, according to the lawsuit filed by attorney Gerard T. Carmody.

http://urbanstl.com/forum/viewtopic.php?f=21&t=7339&start=105

Ryan Woods and Chris Dornfeld, the pair behind the most expensive redevelopment plan to date for the Hadley Township site in Richmond Heights, have missed the city’s deadline to show they have the money to move their $394 million project forward.

http://www.bizjournals.com/stlouis/stories/2010/10/18/story1.html

On Aug. 16, United failed to post $3 million in escrow as proof of its financial ability to proceed with its planned $394 million project, a key requirement in its agreement with Richmond Heights. The city gave the developer a 10-day extension “to cure the default.” As of Oct. 13, United still had not posted the money, according to Richmond Heights officials.

Woods said he contacted the U.S. attorney’s office in St. Louis several weeks ago. “We’re not contesting the fact that we haven’t posted the escrows,” he said. “From my perspective there’s no ongoing investigation, according to the U.S. attorney’s office.” Woods declined further comment.

http://www.bizjournals.com/stlouis/stories/2010/10/04/daily25.html

Still, the partners at United Plaza have missed the city’s deadline to show they have the money to move their project forward. Woods also failed to make an appearance at the city council meeting Monday.

Woods declined to comment for this story.

http://www.bizjournals.com/stlouis/print-edition/2010/10/22/woods-suing-california-real-estate.html

Woods suing California real estate developers

The battle began when Woods, along with his entities Gateway Special Opportunities Fund and Gateway Global Holdings, filed suit July 1 against Scala in Dallas County (Texas) District Court, alleging, among other things, that Scala and its executives threatened and intimidated Woods until he made a $320,000 payment “in order to buy time to consider how to protect himself and others” from harm, according to court documents.

http://www.bizjournals.com/stlouis/morning_call/2010/11/richmond-heights-to-move-against.html

The Richmond Heights City Council will consider on Monday terminating its contract with developer Ryan Woods' United Plaza LLC for what officials consider multiple breaches of the agreement, including a failure to prove it has the money to buy houses in Hadley Township to make way for its proposed $394 million office and retail development, the St. Louis Post-Dispatch reports.

FS01

Los Angeles,
California,
USA

Complete BS

#7Consumer Comment

Tue, September 22, 2015

Everything your stating is third party here say all of it and how were you Ripped Off? They took money from you ? No, because you haven't stated that. You never answered the questions, how does that letter that says Void on it harm you or Rip you off? You never answered any of the questions I have called the information you have provided. You haven't stated everywhere in your report that you sent a wire to fund escrow because I have that email. You sent a email confirming your wire was sent and then the next day you supposedly stopped it. Why would you send 3m to escrow stating you have verified the account and you stated the account is real? You didn't put that in your report did you sir? Then in 24 hours later you sent another letter like this one requesting 22 k thousand dollars sent to your personal account and you won't file a fraud report and destroy their careers? You never stated that in your full report or you signed ever loan document and contract even get this PEOPLE, this guy signed and executed a escrow agreement with a attorney with 42 years experience out of New York, WOW! why didn't you say or mention anything about these important facts. Why don't you have those documents in your attachments. Why didn't you put the attorney's company's name or attorney's name, because your not stupid right? Your calculating. If you knew it's was fraud in July according to your words those were your words not mine, why move forward and sign all documents and then extort them for 22k and you will make this all go away or your going to report this. Then you had the nerve to rewrite their contracts according to what you wanted NO escrow and out of funding you would give them 5 million instead of 3 million. Why , what was your reasoning? There is fraud remember why would you rewrite their loan agreements if there was fraud involved why? As a lender that has looked at this project back in 2012 and 2014 by 2 different brokers and I still have the emails, this is the most disgusting information I have ever read and seen. I read the email and seen your signed agreement and escrow and loan and your email confirming TD meritrade sent your wire for 3m dollars. But like I said you stopped and emailed them requesting 22 thousand be wired to your personal account by friday and your email was sent on a wednesday. IF anyone with morals and ethics I will send you everything show this disgusting peace of work that is trying to put false information out in the public, I say false because your not telling the whole truth. You signed all their contracts and a third party attorney's escrow agreement then you funded escrow 3 million after all your back ground investigation everything came up clean because you sent the wire. I think the money wasn't yours it wasn't in your name and you never had it to begin with, THATS FRAUD PEOPLE! So you decided to try and extort them to cover your escrow since you signed all the agreement and never preformed. Even I know this if escrow wasn't funded all contracts are null and void, period! The fact you tried to force and threaten them to fund this project because you didn't have the 10% down , the POF you provided didn't have a company name or a person's name , that's Fraud and inducement if you ask me, that's black and white. So you gave them 3 days from Wednesday tell friday to wire you personally 22 thousands dollars to your personal account I read that email too, WOW! Are you a soap opera screen writer or something , people you can't make this s**t up. You have balls and no brains! Failure to preform is big, but know everyone knows why you didn't preform. I ask for 22k dollars for not reporting something to Rippoff report is extortion especially when in your contracts that you signed states you have to go to arbitration first and let kool heads prevail right people, that's how professional act and reform. People understand if the funder paid him 22 thousands because he failed to preform to the contracts he signed, why would a lender do that. Just like Obama and any President states we don't negotiate with terrorist, thugs, West Point drop outs that don't graduate do to xxxx allegation or has to go to court for Felony stalking his ex-wife by putting a GPS tracker on her car, people tell me your thoughts about this control freak and his morals. MY EMAIL IS [email protected] and I will forward all info I recieved from the lender. I have a signed affidavit validating that account is real this guy and banker verified that the account is and was real, REAL! IF the account is real and money is there and all contract were signed why wasn't this deal funded? Because escrow wasn't funding according to the escrow agreement they signed and executed with the lenders attorney. By the way the attorney stated he canceled their agreement for failure to preform. So the ending story is escrow wasn't funding agreements canceled null and void. That letter with VOID has nothing to do with you or your project but your trying really hard to dig and drum up trash and dirt to make you and your complaint real vent. What I have dug up and stated are facts and real proof you have here say and third party opinions. Lenders are already contacting me and this guy when you Google him and his character it will prove everything remember public, character is everything . THIS lender you engaged has never had a com plaint or lawsuit, everyone will have upset employees or customers but no one has ever filed such crap. Come with facts and if you had your evidence and proof you wouldn't be trying so hard to drum up more lies. When you write a report you should state all the facts so people can make up their minds. This William Ryan Woods who signed all the contracts and agreements and sent the email that the wire was sent is your client?. Please provide your law firms name or bar number so we know your telling the truth, if your not a attorney or partner of the company then your opinion is here say interloper and aren't apart of anything you were never there, sad. Public he won't provide his Bar and law firms information that should tell you something he is lying again and again and again. Don't believe everything you read because if he had anything he would of filed a lawsuit by now and wouldn't be up Saturday and Sundays writing pages and putting up attachments of nothing hope people will email him and write him so he could feel important, well I'm writting you! Lol!. We all have lives to live and have more important things to do, butt when I see something wrong and it isn't right I'm going to say something. The people relate to me because most of us are hard working people and we need as many lenders as possible here in the USA funding projects because the banks aren't. This is sad and upsetting and to me your one of those Internet bullies that sits on his a*s sad and miserable your wife left you, I Google people names and they have law suits after law suits going into real a state transaction saying you have the money and never preform sound familiar people its a pattern, control freak only know one way. Come on people you have to laugh! I am, you can't make this s**t up, I forgot something very important Google the company name and you will read the share holders or owners sued the other owners for raising money or taking money and fees from clients close to 900k something but the share holders are suing the shareholders. Then Google William Ryan Woods name and email your thoughts , that will blow your mind and then it will click why this council or attorney or William Ryan Woods is trying to say in this extortion plan that didn't work so he got upset. His partner Jerry said William Ryan Woods will take this report down if we paid his extortion money but get this it went down to 16 thousand WOW! Some attorney 16 thousand in write this report wow. This is all in writing!

Rebuttal Response

#8Author of original report

Tue, September 22, 2015

Sir, these people were provided the opportunity to do business with our group. We did not seek them out. They pursued and induced.

With respect to anyone's personal information, we have no reason to provide that, yes, not unless or until the call is screened. Obviously we posted this number as a result of parties attempting to get in touch through round about means.

As to evidence, we have simply posted this information for the general public. Any documentation speciically provided to us, the optimum public forum for that is of course in a law suit. The bank provided us with the information that the letters are fraudulent and thus we have presented only facts.

I would disagree with the contrention that all banks blanketly state a letter they produced is fraudulent. In fact, I would say that you clearly do not understand banking laws at all. That doesn't seem to me to be a trained protocol for any bank I deal with.

As to how it deals with this transaction, the email dated July 7 specifically ties this "FAKE" letter to the transaction and to their statement as to the wherewithal of the parties involved. Since the letter is fake and the woman's name on the letter is fraudulent, quite obviously this is a fraud.

Also, I think a bank does what any honest party will do which is state the truth. I belive a banker or their internal legal department will state, either we cannot comment about someone else's account information, or in the case of something fraudulent, they will say this is a steaming turd. And that is exactly what they did in this case.

I am quite sure you are not able to run the account as a third party who knows nothing about these people involved. ANd you would be the only person I know who illegally pulled someone's account information and were able to verify the balance.

I can believe your scripted scenario likely happens ever day. Unfortunately that is not this situation at all. This psoting was simply to state the facts of the situation. I tend to believe the situation even more given the fact that now a handful of parties have reached out and shared similar stories, except in many of those cases the parties actually sent money to Verlin Gradney as upfront fees for loans. We have numerous other parties and whether they want to post or not is up to them. Several sent money to them over a year ago and still have no loan and still have not received their money back. Others being introduced to the various parties and their dubious tactics.

What's clear to me is that you are not in banking, and you are likely an associated party. The facts are the facts and they are flatly provable. Moreover, now we have learned that there are additional fake HSBC documents, they have provided fake Trust Documents, etc. etc.

The only thing you are correct about is that no lawsuit has been filed to date. We are simply preparing for that and I can assure you the group does have the means to see a simple lawsuit through. What is interesting is that I am now in possession of emails to two different groups where the Gradneys threaten not to provide the loans they have either taken in money for or executed documents for a loan if these groups seek out law enforcement, private investigators, etc.

Unfortunately, since this posting, we have learned so many more fraudulent facts, I think there is no need to post anything more.

I didn't leave my full contact information on here because I am not an idiot. We will screen the calls and these are to serve the general public. Any person that reads this or contacts us is only being given facts and we are not attempting to persuade anyone of anything that isn't specific to our facts.

FS01

Los Angeles,
California,
USA

Confused

#9Consumer Suggestion

Mon, September 21, 2015

It seems reading this report since I'm in the same business, regarding funding projects and clients that don't have capital or credit and can't get loans from any banks, reason why you or any other client would go to a private lender. Its seems a real attorney would leave their last name and Bar# and last their firm or company name?. Its seems very shady and one sided, usually the attorney would provide the evidence that this letters or letter is fraud? You should present a letter from the bank stating such facts, right now its just a person with one name no last name or company. Which makes this smell very fishy and maybe you weren't funded for some reason and why haven't you filed suit? Usually you file suit first and present the case number otherswise like I said it isnt believable. You should have a signed statement or letter from the bank stating this is fraud?

Since I'm in this business I work with HSBC and all top 25 banks in the world and since 2015 all banks and I mean all banks protocol is to say any letters they receive from a 3rd party is to state its fraud. I read your attachments and have talked to judges and attorney's which you should do immediately since you don't have anything to back up your statement and no one has heard from the otherside. The letter your referring to has VOID written nice and big on it right in the front? Plus it was sent to a Verlin gentlemen not you, your not a party of the letter, its not to you and from you which makes you null and void to the letter? How does a VOID letter have anything to do with your funding or fraud? It says VOID or can you read, s**t like this pisses me off because it makes it harder for people that really need loans to get loan because they are jaded from articles like this. All BANKS protocol PEOPLE is if your not a party to a bank letter or instrument and you call a bank for verification and let me remind you it has the account numbers on this letter with a balance of 492 million euros, do you really think the bank will answer to a third party that its real? If that 3rd party were criminals which its sounds like they are to me personally the bank would be liable. The bank (HSBC) is suppose to say its fraud hoping you would throw the letter away and of course she will say I didn't write, thats the story.

I can tell you as a representive that you know nothing about banking or up to speed on international banking protocol when it comes to FATCA and UCC regulations regarding clients especially primar clients. I personally ran the account number you have provided and its real and the account has over 400 million euros in it. So what I'm saying is your not telling the truth and if this account is really and you posted on line saying its fraud, I hope and pray for you because I wouldn't want to face any law suits from some lender that has 492 million euros. Your posting all these documents which have nothing to do with the letter, what is your point? If the account is real and this letter wasn't written to you or for you and has nothing to do with your loan, why are you doing this and wasting your time? Your not posting all the facts and your impursnating a attorney which is pretty embarrasing and a felony at that, alot of balls.

I've been doing Loans for over 20 years and I can swear up and down 99% of the time the lender has no reason not to do the loan, they want to do the loan and then you have client that lie about their capital or they don't have the capital or down payment, they sign all the documents and then when their are called on their BS and lies regarding a back ground check, false documents etc. They get really mean and will do anything to fufill that dream and they even become dispreat and lose sight of everything, GREED! If you had the credit and the capital any bank would give you a loan so just the fact you had to go to a private lender shows you were dispreat and had ran out of all opposition. This project has been floating around since 2010 or even earlier, this private lender got down to the wire and you signed all the documents which you have provided so for you to sign everything and this lender to spend time and money and resources on your project is amazing. Your not providing the whole truth I have been in this business to long and the fact they aren't answering should scare you and your so called lawyer or council, everyone who reads this knows their is no lawyer or lawsuit, just do it don't talk about it your looking for attention or your trying to hurt them and get them back to the table or just hurt them because they walked away from your loan! Thats it! that makes since your being vindictive they didn't fund your loan and your not saying WHY? You didn't leave your name for a reason because if we googled it I bet you would have a history of doing this in your past! . If you signed everything that means they walked away for some reason right? Come on people he didn't leave his last name for a reason just a phone number so he can screen the calls.

Information

#10Author of original report

Fri, September 18, 2015

I have been contacted by a number of parties. For those looking to provide your shared story of these individuals taking your money and never providing a loan, providing fake documents, please contact me at

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