If you want to know what kind of businessman Larry Ruff is, contact the 4th District Court in Orem Utah at 97 East Center Street 84057.
Ask to review the file on case number 090202365 filed against his company this year. Mr. Ruff is a deluded scammer and so is his company No More Mortgage. This company scams money from their clients and refuses to pay their employees, and there is no low to which this man will sink.
I first has contact with this company when I located a job posting on the Utah Division of Workforce Services website for a contract programmer. I went into this company only to later learn their previous programmer had quit after Ruff refused to pay him for over two months. Needless to say, the programmer quit. I took the position and started work. After working there for over a month, and submitting invoices, Ruff said he did not have the money to pay my bills and said he needed a loan to pay them. This is after I worked on his CRM system and observed the company floating $60K or more a week in cash flow through their system.
Ruff then demanded I write him a post dated check for $3,000.00 in order to get paid until he could secure the loan to pay my invoices, and he wanted me to pay back the moneys he paid against my invoices after he secured the loan. He offered to lease 3 offices to me for $800.00 month for one of my businesses. I asked for a lease agreement prior to accepting. He never provided one. Months later I contacted the building owner, Modus Link, and they informed me he had no authority to sub-lease space based upon his lease agreement. The leasing company later disapproved his loan application due to seriously delinquent credit. I demanded to be paid at this point and also demanded the post dated check back. He claimed he "lost" the check and refused to return it until after I issued a stop payment on it and took him to Court.
While I worked there it was an almost daily occurrence for the Sheriff or constable to come by with eviction or court papers serving him to appear in court for non-payment of rent, non-payment of creditors, and non-payment of his people. After four months of late payments, and invoices stacking up, I suspended the account since he was always 60 days or more behind on his invoices. I worked 40-60 hours every week on custom programming for this company, and their business practices were sleazy and dishonest. They asked me to create an online system for contract signatures for their clients then they would change the contract language AFTER THE CLIENTS SIGNED THE NOTES AND CONTRACT almost every other week based upon whomever they could scam to buy their paper they floated to their clients. Needless to say, I refused to alter the code to enable this, so Ruff would have one of his cronies (Dennis L.) go into the system and alter the notes and the terms in the notes whenever they pleased.
These people would get customers credit cards and charge them over and over again, even without the customers permission, then refuse to return the monies and claim the online contracts allowed them to do this.
After I suspended their account for non-payment for past due invoices on May 6, they almost immediately posted another job offer on the Utah DWS website and tried to scam another idiot to work for them for free. Ruff then used a master key to ILLEGALLY ENTER MY RENTED OFFICE SPACE ransacked and searched the office, and attempted to seize the work I had placed a contractor lien on for non-payment.
He then refused to pay any of the invoices. I sued him. He called and whined like a whipped cur after he was served with the lawsuit since I notified the Court of what he had done. He never paid the full amount and I settled the suit for pennies on the dollar since I knew Ruff would just weasel out of paying the same way he had managed to evade his other creditors. I did however, make him sign a release agreement as part of the lawsuit releasing his claims and contract with me so at least I could publicly respond, since I knew he would start a libel campaign and badmouth me all over town the moment I left, which he did.
This guy is a deluded silver haired scammer. While I cannot say all of the people there are like him, both he and his companions in crime who broke into my office are the lowest of the low. I believe that the programs they offer can help people, but Ruff is a scammer and a liar, and if he gets your credit card info, he will charge it over and over again, and alter any online agreements you sign to let him get away with it. If you try to sue him, he will libel you to your wife and anyone else he can get hold of.
I would avoid this company at all costs, and I am filing a complaint with the Utah DWS to bar them from posting job offers on the Utah Job site since they won't pay you if you get hired and screw you like they screw their customers.
Beware.
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