I was called around 10-09-03 of this year because of an email that I was sent and filled out. I was called first by a James Derry, He told me that at first that I was preapproved for a mortgage with the amount of money I had for a down payment. Then I was told that I could get a no money down mortgage which they quoted me 9.5 % percent interest. That there would be a $300 dollar "application" fee. That they could debit my credit card OR Checking account. And that the 300 dollars was refundable when my mortgage closed. So anyways, I was sent the information online. They didn't bill my checking account right way. However james derry quit a few days later, then Shelena Sharff took over my account. I sent the stuff off on the 10-17-03. Then I recieved an email from her after I had sent everything in. She told me that I need to redo the application because it needed to be dated 10-15-03. Also I needed something else. She even called and left me a message about this matter. Still during this time my account had not been debited. So a few days later, I recieve a letter from telecheck, saying that they where having a problem running it for money tree. Apparaently James Derry gave them the wrong account number. That should have told me right there about this company but I didn't figure it out until later. So a few days later I sent the rest of my stuff back in. Well Then i tried to call Shelena, supposively she was on vacation taht week. So the following monday which was 11-17-03 I called her back. She told me that everything was sent to loan processing. And not to look for a house until they call me and tell me that it is okay too. So after that phone call I was thinking about that. Why would I have to wait until they say I can look for a house? So I called back a few days later. All I got was her voice mail, so I left a message. Actually I left several. I even sent her several emails. The following monday the monday before Thanksgiving i tried to call again. Becasue i am anxious to get a house, all I got was her extension was busy, and the mail box was full. I tried calling Several times that week. Got the same thing. So I tried to call on the first Of December the number had been disconnected. So I sent several emails again never got any response back to any of them. I searched online and found the other address and phone number in Georgia for them. I called the person I talked to couldn't wait to get me off the phone she sent me to a voice mail. So I have left several messages. I even left a treatening message but no one has called me yet. So I have contact a website that everyone can contact called www.bigclassaction.com if everyone files a complaint on there, they Money tree can be sued. What they are doing is fraud. I have also contact my attorney and the federal trade commission. Several other agencies. I have even Contacted the national media. I used to work at a newspaper. So I have media connections. Its just a matter of time before your out of business. If everyone files a complaint they can be stopped and put out of business. There will probably be a rebuttal on here. But they can't argue the fact. This is fraud pure and simple.
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