I am a mortgage broker in Minnesota and I have been in the business for 7 years now. I have never had one compaint against me ever. I have been with the BBB for 5 years.
I complete all my files myself. I do not and have never used a processor.
In 2008 I closed 40 Minnesota loans.
I met Dave Musk with my partner 15 months ago after paying him $2000 dollars for his absolutely ridiculous training class, because we wanted to do multiple states!
What we experienced in his training class was some selling yes&but sex, sex, sex was his top conversation—woman and more woman and total unprofessionalism. We could not believe what we were experiencing with the top #7 loan officer in the nation!!! Or what ever he says that he is?
I was completely hesitant to work with this guy but truth is he is a professional liar and it is very hard to say no to him.
So my partner and I signed up with him and we became a Pavilion 1099 contractor, but we always felt like something was not right! Call me stupid for not listening to my intuition.
I continued my business in Minnesota and like I said I closed 40 loans in 2008. None of which were from Dave Musk.
I did no business with Dave Musk but kept in contact over the year of 2007.
During that year he was always trying to get me to buy leads from him and he would always tell me how he wanted to help me and make me successful, much more than I already was.
In November one of my Wisconsin clients that I completed 3 loans for in the past, called me to refinance their home.
I took my Wisconsin originator license which was with a company that was going out of business, and I placed it with Dave Musk and Pavilion as Wisconsin law requires originators to put their licenses with Wisconsin brokers, which Pavilion is.
So I put my license with Dave Musk and completed my clients loan. Dave Musk/Ron Penskowki and I had a contract that I would keep all commissions minus a $500.00 admin fee to Pavilion. Dave Musk always let me know the great deal that I had with him, and no one else got that deal!
Note&Dave Musk will say that per our contract he could keep extra money from the loan if he had to get involved.
Note&He will say that they had to get involved, but that is an absolute lie! He will also talk very bad about me as he does anyone that comes up against him!
Note&He also threatened to come to Minnesota and beat me up with his black belt in karate.
After 7 years of processing my own loans and completing all my files myself&he in no way ever got involved! My client also will testify to the fact that in no way was Pavilion or Dave Musk involved in my file from what they know of.
He is a liar—so beware everyone!
My check was 6400.00 and he was not going to pay me.
After some legal action threats on my part he payed me $1700, and then through multiple e mails he apologized to me and said that it was a book keeping error and that they sent the check that was supposed to be for a different vendor to me, and sent my check to the vendor!!!
He then said that he was in Paris for 45 days and that he would pay me the rest of the money that he owed me on 2/15. He never paid me and still has never paid me. He owes me $4300.00 dollars and I plan on collecting it.
I have also recieved several phone calls from ex and current employees of Pavilion that are quite scary and yet quite reassuring that all of the above and more is not just happening with me!
Beware! Beware! Beware!
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