New Haven Financial review: mortgage rip-off 88

Cheri Harris. Cheri Harris, I am so glad I found you here o n this internet. This is Eula Lee from Hesperia church, you know me, honey, am so glad I found you and your ee mail. My granddaughter taut me how to find you on the computer here at the Hesp. library. Hope I push the rite buttons my eyes are so bad and dont know the computer good. How did COurt go /? The tax people got way nasty had no call to due that to you you were just trying to sell conubeans to the poor people a t a low price as you said. The last time we sat and chatted you were fretten about husband 3 and the bankruptsy. I don't get it all don't know why you ended up bankrupting when you got the good pot of money from the Lord for owning a house. It was ritefuly yours for buying a house a while back. That is what that guy at church your husbands friend says. Dont kno what happend to him. Just a shame you have been through the same thing with 3 husband now and 5 babies. Why it is they run out on you after being with you a while always ending up bankrupting is a mystery the Lord will reveel at a later time. All will be reveeled the good book says. Just make shure your slate is clean. Havnt seen you at meetings we miss your spunk so come one back Cheri Child. Jerry got a dui but is hoping the lawyer that helped you will help him to. Love Eula

Unfortunately in the real business world you become guilty of your own success. Anyone can sue anyone for anything!

Curious though... why have you elected to be "Scot Fines Conscious"?

I am very "conscious" of the way we handle our business affairs. Did you mean to entitle it "Scot Fines Conscience"?

It is very unsettling that another anonymus individual is commenting without revealing their true identity? What is the deal with that?

As far as business litigation, we are an open book and I will be more than happy to discuss it @ [protected].

How many lawsuits is New Haven involved in? Public records show a lot of people are suing them. Rifkind v. New Haven and Fisher v. New Haven are suing them for Fraud. Sounds serious.

Cheri,

The Quit Claim Deed was prepared and sent out for signature in order to meet title company requirements. We have no affiliation with the Notary nor did we compensate her for her services. There was ZERO benefit, nor has New Haven Financial ever benefited from any foreclosure on any property in the companies history. Foreclosures are a service demanding exercise and costly endeavor for our firm that we prefer not to be involved in.

Further, all of your accusations against our firm are false. No "Documented" evidence has been provided by you in any way that we did anything. Your tone has consistantly been on the offensive and slanderous and really is an unsophisticated fishing expedition without meritt as to fact. Straight FICTION! Get off your higher than thou horse and make something happen that will benefit you.

My suggestion is that you take my advice and proceed with whatever legal remedies need be taken. This dialog would better serve you in the appropriate forum which is a court of law.

I WELCOME THE LEGAL PLEADING SO THAT YOU MAY GET THE ANSWERS YOU ARE LOOKING FOR. - PLEASE HAVE YOUR ATTORNEY GET ON IT ASAP.

I wish you all the luck in being successful in your endeavor.

And as said before, you can reach me and our firm at [protected].

Sincerely,
Scot R. Fine
Chief Executive
New Haven Financial, Inc.

Cheri, I truly don't think you know what you're talking about. From what I've read here (and what a waste of time that has been), you're mad at the wrong entity and assume others have benefited from your loss of your rent free house. It appears you're mad at having to pay rent somewhere now. Takes some getting used to, huh? Time to move on. Next time you buy a house, get cancelled checks for your mortgage and property tax payments. And when you respond to this post, take a sedative first and try to reduce the amount of words by 90%. Your attorney (if you really have one) and everyone here that may read your posts will thank me.

Scott,

There is not one word of slander or malicious intent in any thing I have posted on this blog. To the contrary EVERYTHING I have written is DOCUMENTED.

While your offer of documentation does not go noticed or unappreciated, I do not need you to forward the quit claim to me.

INTERESTING FACT, I had to have a title company order all the documents recorded by your company because copies of the documents were not supplied to the borrower by THE LENDER, NEW HAVEN FINANCIAL.

THE SIMPLE, CRYSTAL CLEAR FACTS, SCOTT...

The quit claim deed did NOT give your borrower the authority to secure a loan with your firm. The loan, eviction and forclosure on the discussed property were done illegally. Shall I forward the documentation to you? Clearly you are using this quit claim deed as your stamp of legality for this loan and transfering responsibility to the Title Company. Constant reference to my claim being with the insurer of the documents is interesting. NEW HAVEN FINANCIAL PREPAIRED THE DOCUMENTS AND PROCURED THE TITLE COMPANIES INSURANCE OF THEM.

There are many, many other indiscressions with regards to this loan that you haven't taken into account.

STOP HIDING BEHIND A SMOKE SCREEN...

Was not the notary you mention paid by your company to verify identities, dates, documents ***PREPAIRED BY NEW HAVEN FINANCIAL*** and notarize the loan documents between your investors, you and the borrower? Regardless of whether or not her fee originated from the borrowers costs, was not her compensation dispersed out of the borrowers cost directly from your firm? Were not her services rendered at New Haven Financials request, not the borrowers? Do you know what a notaries responsibilites are legally Scott?

STOP INSINUATING THAT I'M A SIMPLETON ATTEMPTING TO RECEIVE A PAY OFF FROM NEW HAVEN FINANCIAL...

I beleive that I have already stated that HAD your company acted in the best interest of your investors and worked with me at the onset of this situation, rather than persue the big pay off of eviction the out come would have been acceptable to all involved. The events that unfolded are indicitive of the kind of mortgage scemes New Haven perpetuates.

Shall we move on to whom actually funded the loan and how their funds were procured with the documents PREPAIRED BY NEW HAVEN FINANCIAL?

I think I would like for you to contact the investors and invite them in on this dialog. They may have some very important facts to contribute.

Cheri Harris

Sounds like Scott Fine has a strong case Cheri.
Does Wronged work for New Haven too?

Cheri,

Nonwithstanding the fact that all of the above commentary is slanderous in nature, Malicious in its intent, and not based in any form of fact the bottom line for Cheri Harris is the following:

A Document entitled "Quit Claim Deed" was signed, notorized, and recorded eliminating any interest in the property you had to your husband, James W. Harris: Recorded on March 10, 2006 as instrument #[protected] San Bernardino county records.
This contained what is believed to be your signature and notorized by Tamara Sherine Johnson whose address is 3506 E. 10th Street, Long Beach, Ca 90804

If it is not your signature on that document then it is a forgery perpetrated by your husband who was the benefactor of the fraudulent deed. If this is the case then contact an attorney and make a claim against the title company who will in turn go after who wronged you. Better yet contact the local police agency and the "criminals" will be prosecuted. I will be happy to speak with anyone you so desire.

If it is not a forgery and you indeed signed it then you gave up your rights to the property.

This document in at itself gave him the ability to act solely and borrow against the property.

GIVE ME YOUR EMAIL ADDRESS AND I WILL FORWARD THE DOCMENT TO YOU FOR VERIFICATION.

We at New Haven act in the best interest of all our clientle with both the consumer/ borrower and the investor/client.

Other than that you or anyone else with questions may contact me at any time at [protected].

Sincerely,
Scot R. Fine
Chief Executive
New Haven Financial, Inc.

The complaints here are probably from ex-employees, company competition, or ones who hope to get paid or benefit somehow. The posting of personal information of innocent people having no connection to the complaint is a sickening shame. The trustworthiness of this entire website is ruined.

Please explain to me how a liable suit could be pursued and won if the statements against New Haven are fact? Lets just assume for arguements sake (you have no other basis to go on than my written word) that every comment I have made is factual, truthful and either can be proved in written document form or eye witness statements.

Are you insinuating that my statements on this forum could be used in court by the defendants (New Haven) as slanderous and possibly nagate or create an avenue for them to not be held accountable for defrauding me? I'm pretty confident that my attorney, who is aware of my posts here, would tell me to "shut up" if in fact there was any recourse for New Haven. Still, please elaborate for me, as maybe my attorney needs a refresher course.

Good Lord, I know our justice system at times appears to run a muck, but can it be really that bad? I have more faith in truth and people as a whole. I ceriously doubt with the recent movement of "outing" bad lenders that any court would have any leniency for New Haven.

I think if you read the entire dialog and the dialog contained in another complaint against New Haven, you will see that Mr. Fine, while most likely unknowingly, confirmed in written public form that I do have a case.

Have a great weekend Scott, Rabinoff or who ever you are affiliated with the CORRUPT NEW HAVEN FINANCIAL. I'm looking forward to moving back home.

Cheri Harris

Contains libelous material and should be deleted.

Appears to be written by disgruntled ex-employees, the company's competition, and a unhappy customer married (or divorced) from a possibly fraudulent borrower.

Rabinoff BK'ed his previous company. He also blew all the money he inherited from his father. Actually he snorted rather than blowing it. Rabinoff is trash. Always has been, always will be. Multiple marriages, estrangments from his chidren, and on and on. You don't get much worse than Rabinoff.

Thank you for your very informative information. When your in the position of the borrower, or rather the unsuspectinbg spouse of a borrower whom had no legal position to borrow until he/she sought the assistance of a broker knowledgable in fraud, it is difficult to see beyond your scope of loss and acknowledge the loss of the investors. Your post has opened up the entire picture for me and it is unfathomable the depths Rabinoff and Fine were/are willing to go to gain financially.

I am curious about prior lending agancies Rabinoff was either the CEO of or doing business under? Such as Mercury? You seem to be either a prior sales associate or investor and you may have the answers. Does the DRE complaint and investigation involve any of the prior businesses and his practices while associated with them? I find it curious to say the least that Mr. Rabinoff seems to jump around every few years. I have found no evidence of complaints or DRE action for his prior associations, however, it is extremely difficult to beleive that Mr. Rabinoff suddenly lost his professional integrity and chose to begin his life as a criminal.

Again thank you for your insightful information. I would very much like to discuss this information with you further in private. If you are interested, please email me.

Cheri Harris

Here’s some of the real truth behind the horrific business tactics used by New Haven Financial, for which they are now being investigated by the California Department of Real Estate (DRE). A hearing on a major complaint is scheduled later this month.

First, the reason behind the creation of California Equity Lenders (Agoura Hills, California) at the end of 2007 is that most of the sales staff had invested, together with a great number of friends and family members, in New Haven Financial’s loans. Big problem: the very bad lending practices practiced by New Haven Financial (at Larry Rabinoff’s direction) were now biting them, their friends and their relatives in the derriere. So much so that the loss by default of properties with New Haven Financial loans went from a trickle to a torrent. New Haven Financial’s income is derived from a combination of points paid at the onset of the loan, exorbitant marked-up processing fees, and a percentage of incoming loan payments on an ongoing basis. All of their trust deeds are recorded ONLY in the investors’ names, NEVER in New Haven Financial’s name, so New Haven is never on the hook for a defaulted and foreclosed property in which their investors’ funds were invested (typically as a 2nd mortgage although more junior positions are sometimes funded). Investors are still held responsible for keeping senior loans current to safeguard New Haven’s junior positions. New Haven continues to accrue fees and costs even on non-performing loans, and have to suck up auction and resale costs and expenses.

Score in most cases: New Haven $$$, Investor 0.

Many investors either do not anticipate or are not prepared to continue making capital infusions to keep the senior loans current when payment has ceased on New Haven Financial loans. These are very bad loans, and the defecting group of employees (another writer has provided a partial listing of those people) together with their friends, relatives, and investors have filed dozens of complaints with the DRE for these reasons. Civil law suits are also following. One witness has stated that in excess of 50 complaints have been filed with the DRE and Department of Corporations regarding illegal and unethical lending, collection, and foreclosure actions. In addition to California law, New Haven Financial is known to flagrantly violate RESPA requirements, which is the federal law regarding real estate matters.

Numerous abuses have been noted by New Haven Financial borrowers, including points and interest exceeding legal limits, imposition of undisclosed fees, illegally charging and retaining premiums on third party, and unconscionable clerical and administrative fees. Worse, witnesses have corroborated falsification and manipulation of mortgage application information, including falsification of income, income source, liabilities, and employment. Related to this, and as noted by one writer on these blogs, is identity theft, in which a spouse would (unknowingly to him/her) be added to a mortgage application to pump up income and credit worthiness of the original applicant, to make the new-and-improved application more attractive to potential investors, especially on marginal applications and properties. Remember, New Haven only gets paid for funded applications.

These misrepresentations further extend to bad, inflated appraisals, using appraisers either beholden to New Haven’s owner, or appraisers who simply request a magic number to achieve the desired loan amount. So what if the nearest “comparable” property is four miles away? The investors don’t know any better, and they are foolishly relying on New Haven to safeguard their investments despite these pie-in-the-sky figures, which are based on grossly inflated appraisals, complicit appraisers, and misuse of prior sales which are either stale, simply not comparable, or outside of a reasonable geographical area. Commonly, appraiser’s fees are marked up illegally.

Let us review the escrow company favored by New Haven Financial. Reliable Trust Deed of Tarzana, California has been known to accept illegal deviations in title, including out-of-position stake holders, and to knowingly record these deviations at the direction of New Haven Financial’s management, including Larry Rabinoff and Scot Fine. Delays in recording, postponed and missed recordings and the like have been documented, always to New Haven’s benefit. Investors and borrowers alike have been defrauded as a result. Those people include the principles of Reliable Trust Deed, including Lynn Wolcott. That’s an interesting paper trail.

Speaking of “trust”, New Haven Financial has been documented to violate laws regarding the use and nonuse of trust accounts. These violations include misuse of funds contained in the accounts, nonuse where law requires funds to be placed in trust, failure to inform clients of an in-house “captive” escrow account, and overdrawing the account which means that funds were withdrawn illegally.
Now, consider the following: at least two of the remaining executives of New Haven Financial have sold or transferred title to their properties, within a time frame defined by laws regarding “fraudulent transfers”. The writer who has been tracking Larry Rabinoff (Westlake Village) and Scot Fine (Hidden Hills sale, transfer of assets to wife on Tarzana property) is on to something, which should be carefully noted.

Ambulance Chaser,

I prefer to discuss the names in private and as far as the attorney goes, he was a "rent-a-torney" Apparently it wasn't worth the time to send one of New Havens corporate attorneys to our far end of San Bernardino County. However, if you still would like the attorneys name, email me and we can discuss things further in private. Actually, you can give me a call LOL.

Talk to you soon,

Cheri

Dear Cheri Harris:
Regarding the goon squad ("gentlemen" as you so aptly put it) that visited your home without legal notice, did they include Dan Lambert, Dave Levy, James Powell, Todd Kaplan, or Ken Garner? These "gentlemen" are past and present employees of New Haven Financial.
Also, what is the name of New Haven Financial's ace lawyer?

Scot Fine/New Haven Financial:
Your company made a business decision to lend to the Harris family. Part of that decision necessarily included a risk component that you decided you could accept. It is clear that you charged market (or higher) rates and fees to balance that risk. How can you now whine about your losses? Or, as Ms. Harris suspects, did you lend in good times with an eye toward (hopeful) default followed by a lucrative equity skimming payday?

I do need to make one thing clear for you Scott. The date and events you are refering to with regards to the sherriff. Neither myself nor my husband ever saw any of the people with whom you refer. We were not locked out. Either you have been gravely misinformed or are flat out lying for the public. Not a difficult thing to research really, I presume it wouldn't be difficult at all to get records from the Sherriffs department.

Oh wait a minute LOL, I was just reading through your dialog and it became apperent that that is not your usual manner of "speaking". I then retreived my "eviction" court documents to verify the dates you mention, which sounded wrong to me. NOW I KNOW, you don't really have a clue. You are a puppet reading from a the case documents filed by your attorney! HAHAHAHA...be very careful
Scott, your attorney got a smack on the wrist from the judge in open court for his obvious and flagrant errors in his documents, which I was able to prove to the court simply with accurate, true and verifiable documentation of my own.

So come on Scott, are you going to run and hide with out answering my question?

Cheri Harris

"Subsequent to that the investor, then the owner, filed an unlawful detainer action to gain possesion of the property to recover the debt.
The possesion was granted again by the courts and the gentlemen you are speaking about were sent there by the investors/owner, a local real estate agent, to meet the Sheriff to complete the lockout which was served by them in the first place."

Foremost, as I stated before, you are refering to a visit by your staff other than what I was refering to. Also, the visit you mention is NOT the one in which you attempt to admonish my husbands behavior. While my husband can at times be a bit brash, his behavior that particular day was in defense of his wife whom had given birth just a few weeks prior. However, you have now verified a third visit which as with the other two, was done unannouced.

The above mentioned by you brings up an interesting twist I had not thought of before, Scott. Quite amusing really, small beans, but something that might be worth my time informing the housing authority about.

Have you heard of the following California Civil Codes:

§1954. Entry by Landlord

Code of Civil Procedure Sections 715.030, 1174(h); Civil Code Sections 1965, 1988

Time for a recap, with apologies in advance to the innocent:

1-Mike Christl, former VP with New Haven Financial, now with California Equity Lenders, Agoura Hills.

2-Kevin Velligan, former VP with New Haven Financial, now with California Equity Lenders, Agoura Hills.

3-Gillee Sherman, former salesman with New Haven Financial, now with California Equity Lenders, Agoura Hills.

4-Joe Zacharia, former salesman with New Haven Financial, now with California Equity Lenders, Agoura Hills.

5-Jaclyn Sutton, related to Steve Sutton (currently VP of New Haven Financial), now with California Equity Lenders, Agoura Hills.

6-Steve Sutton, currently VP of New Haven Financial, and being the only other broker around, the heir-apparent to Larry's position.

7-Allyson Straus, unlicensed Sales Representative for New Haven Financial, illegally utilizing the license of another current New Haven Financial salesperson named Donna Alberta Straus.

8-Todd Fine, former salesman with New Haven Financial and related to Scot Fine (who is current CEO of New Haven Financial), has an expired DRE license. He no longer lists New Haven Financial as employing broker. Smart move.

9-Scot Fine, former CFO of New Haven Financial, now current CEO of New Haven Financial and also serving in the capacity of A.S. (acting simpleton) for this sterling organization. Salesman, not broker.

10-Larry Rabinoff, current President of New Haven Financial, soon to have an all-expense-paid stay at a place called Folsom. License expiration date of September 15, 2009 if not sooner. Don't drop the soap, Larry.

11-California Department of Real Estate Hearing scheduled to review the following issues: numerous major code violations including violation of real estate laws and regulations, negligence or incompetence for performing licensed acts, secret profit or undisclosed compensation, making substantial misrepresentations, continued and flagrant misrepresentations through salespersons, and more, including running an in-house escrow company without notification to clients/customers, and running that account in the red.

Remember: these issues were raised in matters concerning New Haven Financial mortgages held by at least the following people: Sherman, Symonds, Yniguez, Goeckner, Ray, Rhodes, Balderas-Gallardo, Keshishi, Metcalf, Anaya, and Arredondo.

According to the A.S. (Acting Simpleton Scot Fine), they all did something wrong.

Updates to follow.

"They suggested after I conferred with their legal department that I contact an attorney...now what does that say about your employer? After receiving a copy of your loan docs they suggested I had a legal claim."

They being HSBC loan specialists.

You didn't answer my question Scott, you really are not as smart as you think and thank you very much for your half truths about your loan to my husband. Do you STILL NOT GET IT? Or are you still playing a game. First of all, I have documentation that my loan with my first mortgage was current as of 12/06, so there is your first lie, shall I scan and post? In addition I also have documentation from them stating that "I GAVE AUTHORIZATION TO NEW HAVEN FINANCIAL" with regards to my pay off. I surely signed no such form, which they faxed to me btw, I wonder who in your office had the balls to do that? I repeatedly called your office to request the amount of the monthly payments, were to send them and what the due dates were. I was told that I was not on the loan and payments would not be accepted from ME. They suggested after I conferred with their legal department that I contact an attorney...now what does that say about your employer? After receiving a copy of your loan docs they suggested I had a legal claim. In regards to the bankruptcy, your office conveniently claimed to have not received our payments from our attorney, yes, our attorney mailed them not us, every month. After having to drive an hour each way every month, pregnant, to court only to have the trustee tell us your had misplaced our payments...we gave up. Knowing that at that time we didn't have the finances and I couldn't risk my or my babys health to fight you, I chose to wait and play on my battlefield...which was the best advise I've ever received from an attorney. When in position for a slam dunk, take your time and make it count. I'm not going to give you any more free sneak peaks into what YOU did wrong. By the way, possession was granted with the judge telling me to seek legal council...how you figure what your company did was legal is beyond me, especially due to the fact he told me in court that I made an error in paper work, which legal council could have stopped your eviction, not to mention he waived your idiot attorneys $54, o00.o0 in fees, all past rent and gave us over a month to move. One more little thing I would like to comment on, your apraisal is something I wouldn't brag about...I had an apraisal done with in weeks of yours and boy oh boy, you wouldn't beleive how off your guy was. Well, then again, that might explain his asking me how much I THOUGHT it was worth and WHAT I NEEDED it to come in as...oh and then the STAGED PICTURES LOL

Again, apparently you can not or will not answer my question. Thus presenting for all to read, New Haven Financial will not answer anything regarding their practices...because they cannot, without implying their guilt.

HSBC default? that would be you then pal. Funny how my husbands address is that of New Haven on his credit report now. Hope your keeping our payments up with that rent your receiving. Also, don't secured property taxes have to be paid at close of escrow?

Maybe I should ask it again in more simple terms.

How does one get a loan on a property as the sole owner when she/he is not?

I'm pretty sure I know the answer, but I'll wait for your response.

Additionally, I left out "This action by them would potentially wipe out our investors position on the property if the foreclosure was COMPLETED. (paragraph 3)

Correction: Regarding Harris. The 1st mortgage with HSBC filed their default on 12/7/06. Not 2009.

Well lets start at the begining... We amde a loan to your husband James Harris who was on title to the property @ 14472 Yucca Street. The loan was for $90, 000.00 with monthly a payment obligation of $888.75. the 1st payment came due on 5/1/2006 and it was not tnedered. The next payment came due on 6/1/2006 and it was not tendered. This caused our firm on behalf of the lender to initiate a default process or forclosure on the property to collect the debt. Our policy on a 1st payment default at that time was to initiate a foreclosure after 21 days, in this case we waited 37 days and filed on 6/7/06.

On 10/6/06 the loan was brought current and we cancelled the foreclosure.

No payment was received for the 11/1/06 or 12/1/06 and we were served by certified mail a copy of a default or foreclosure notice on behalf of the 1st mortgage holder, HSBC, confirming that you were delingquent and in foreclosure on the 1st T.D. That was filed as public record on 12/7/09. This action by them would potentially wipe out our investors position on the property if the foreclosure was

Our loan was a 2nd mortagage and part of the responsibility of maintaining a current status on any mortgage lona is that 1) senior liens are to be paid current, 2) property Taxes are to be paid timely & 3) adequate insurance is maintained.

This was not the case and again payments on our loan were in arrears also so we refiled another foreclosure action to protect our investors position and collect the debt on 12/18/06.

The loans were not cured and on 4/9/07 a Bankruptcy was filed by Harris to stay the proceedings.

The debtor, Harris, failed to maintain a plan under the jurisdiction of the court to repay the creditors, one being our investor, and we were granted relief from the bankruptcy and it went to sale on 8/30/07 under the powers granted to the investor(s) under the deed of trust.

This was all done through a legitimate foreclosure action that was insured by a title insurer.

After the foreclosure was completed our agent went to the property and was confronted by James and told to get the *%#@ of my property or i am going to kill you after he brushed you aside and told you to get back in the house.

Subsequent to that the investor, then the owner, filed an unlawful detainer action to gain possesion of the property to recover the debt.
The possesion was granted again by the courts and the gentlemen you are speaking about were sent there by the investors/owner, a local real estate agent, to meet the Sheriff to complete the lockout which was served by them in the first place.

How this is illegal, fraudulent, or pathertic on our part is not apparent from the set of events that I have just described. Further, the timeline in which this unfolded was the begining of the real estate crash and the only benefactor in the big picture was you and your husband. Our investors have no equity in the property and most likely lost their entire investment with you and your home.

The property appraised for $345k when we did the loan in 4/06 at the height of the market There was a 1st of $129K and our loan of $90K for a total of $219K. The 1st was behind, the 2nd was behind, the property taxes were delinquent, foreclosure fees, attorney fees for the BK and the unlwaful detainer action... The market dropped 50% or more especially in Hesperia.

This is unfortunate for all involved.

LOL, now you know exactly whom I am related to, Scott. Please don't play coy with me. You do yourself nor New Haven any justice posting as if you have no idea what we are all so upset about.

I'm going to assume you were either one of or the one whom sent two men to my home to stand out side of my gate and intimdate me. Quite pathetic actually, two grown men standing outside of a gated home in which only a woman and two children reside, arms crossed leaning against their car, informing me that my house was no longer mine, but theirs. I have to thank you, however. That day and your leg breaking tactics are what prompted me to look in to my husbands business dealings with New Haven. That alone should be enough to make you stammer at explaining New Havens approach to its business practices. While I haven't discussed the legalities of that day with my attorney, I do beleive that it alone would bring a judge and or jury to question New Haven Financial.

Lets start with the most obvious and apparent concern. How does one go about transfering title to a property which he/she does not have full possession of?

Cheri Harris

Cherri,

I would be more than happy to address your concerns openly on this blog. Please detail your issues with our firm and I will address all of yout issues here in an open forum. Are you related to a James Harris from Hesperia?

Sincerely,
Scot R. Fine
[protected]

Really John...don't you think we have ALL contacted New Haven regarding their fraudulent activities? Is it so hard for you to beleive that they would post requests for us to contact them so as to appear to be concerned about our loans and save face before any potential new customers, the DRE and the courts? If you have not had any dealings with New Haven Financial and/or have not read the DRE complain in its entirety AND if you don't comprehend what it states, or better yet, spoken with any one of our attorneys, then I suggest you DON'T WASTE MY TIME posting uniformative, childish chastisms about innocense and guilt. Obviously, it is you whom should either get a job or quite possibly a life as well. Our postings on this site have brought a number of us together, which has confirmed for all of us that each case, while individual, follows a pattern of deceit, theft and fraud. So you see, your posts are destracting us from warning and alerting other fraud victims whom may not otherwise know that they are not the only one out there. Do us a favor, keep your uniformed opinions to yourself. I for one don't need any advise as to what is just, honorable, fraudulent, decietful, nor whom is innocent or guilty.

Hey, btw I heard New Haven is looking for a new broker to fill a vacant position, hurry and apply, they cant conduct business while a brokers license is suspended...OR CAN THEY? Best of luck.

By the way John, I for one have no problem posting my name.

Cheri Harris

Man, does anyone one this site have a job... doesn't the complaint speak for itself. I live in the United States of America where people are INNOCENT until PROVEN guilty. The complaint gives me caution to invest or use New Haven Financial, but let the courts and the licensing authorities deal with the complaint. Though I do not support anyone at New Haven Financial and have to assume if their not guilty, they still should clean up their act so they do not end up with complaints, I think if you are going to make statements about someone, you should not stand behind a fictitious name. Infact, I believe one person from New Haven Financials requested you to call them. Why not call them? Seems they wish to speak with you.

As far as the real estate tax issue, there are more people in Los Angeles that owe R/E taxes than there are that do not.

Get a hold of yourself and stop wasting blog space...

John H. Dolenson

Have you been ripped off by New Haven Financial Inc., 24025 Park Sorrento, #150, Calabasas, California 91302?
Do you have information that could help you and/or your fellow mortgage holders successfully seek redress against this corrupt mortgage lender?
Send relevant information regarding New Haven Financial to:
* * *
Info@NewHavenFinancialInvestigation.com
* * *

Dear /name removed/,
Please be upfront with who you are. You are the wife of Larry Rabinoff, the president of this unethical mortgage company. Please don't conceal your relationship.
Clearly there are many people who believe your husband's company (New Haven Financial Inc) has screwed them over royally.
How do you sleep at night?

The "Fraud Watcher" is a real sleuth in disguise... the HE/SHE missed their calling as a FBI investigator.

You really need to get the facts straight as your credibility and furthermore this sites credibility is dependant upon it.

What is Scot R. Fine hiding from?
5441 Calvin Avenue, Tarzana, CA 91356
FROM PUBLIC RECORDS:
Sales history (1992-present)

$1, 750, 000 on January 17, 2008
B: Nizanit Victoria Fine and Joe Zacharia
S: Wilmer Valderrama

$1, 250, 000 on April 18, 2003
B: Wilmer Valderrama
S: Catherine M Waymost (Trustee) and Revocable Waymost (Family Trust)

FROM PUBLIC RECORDS:
Fine, Nizanit V
5441 Calvin Ave
Tarzana, CA [protected]
-------------------------------------
Fine, Scot R
5441 Calvin Ave
Tarzana, CA [protected]
__________________
Zacharia, Joe
5441 Calvin Ave
Tarzana, CA [protected]

Mr. Zacharia is another hard money lender, a fast-talking salesperson with California Equity Lenders Inc, 30101 AGOURA CT #119, AGOURA HILLS, CA 91301

His address with Department of Real Estate is listed as 27659 IRON STONE DR UNIT #1, CANYON COUNTRY, CA 91351.

Also employed with California Equity Lenders is Jaclyn Sutton. Stephen Sutton: License Number [protected] is with New Haven Financial.
Connect the dots.

Tax status as of April 20, 2009 for Scot R. Fine, CEO New Haven Financial:

Treasurer and Tax Collector
Los Angeles County
Treasurer and Tax Collector

Property Tax Payment Inquiry

Last updated Monday April 20, 2009
Assessor ID Number: [protected] Year: 08 Seq. No.: 010

ELECTRONIC FUND TRANSFER (EFT) NUMBER
ID#: [protected] 9 YEAR: 08 SEQUENCE: 010 1

Installment 1 Installment 2
Tax Amount $2, 183.17 Tax Amount $2, 183.17
Penalty Amount $218.31 Pen/Cost Amount $228.31
Total Due $2, 401.48 Total Due $2, 411.48
Paid Amount $0.00 Paid Amount $0.00
Balance Due $2, 401.48 Balance Due $2, 411.48
Delinquent If Not Paid By 12/10/2008 Delinquent If Not Paid By 04/10/2009
Message:DELINQUENT DELINQUENT DELINQUENT DELINQUENT
Assessor ID Number: [protected] Year: 08 Seq. No.: 000

ELECTRONIC FUND TRANSFER (EFT) NUMBER
ID#: [protected] 9 YEAR: 08 SEQUENCE: 000 2

Installment 1 Installment 2
Tax Amount $8, 463.01 Tax Amount $8, 463.00
Penalty Amount $846.30 Pen/Cost Amount $856.30
Total Due $9, 309.31 Total Due $9, 319.30
Paid Amount $0.00 Paid Amount $0.00
Balance Due $9, 309.31 Balance Due $9, 319.30
Delinquent If Not Paid By 12/10/2008 Delinquent If Not Paid By 04/10/2009
Message:DELINQUENT DELINQUENT DELINQUENT DELINQUENT
Assessor ID Number: [protected] Year: 07 Seq. No.: 010

ELECTRONIC FUND TRANSFER (EFT) NUMBER
ID#: [protected] 9 YEAR: 07 SEQUENCE: 010 2

Installment 1 Installment 2
Tax Amount $983.60 Tax Amount $983.59
Penalty Amount $98.36 Pen/Cost Amount $108.35
Total Due $1, 081.96 Total Due $1, 091.94
Paid Amount $0.00 Paid Amount $0.00
Balance Due $1, 081.96 Balance Due $1, 091.94
Delinquent If Not Paid By 12/10/2008 Delinquent If Not Paid By 04/10/2009
Message:DELINQUENT DELINQUENT DELINQUENT DELINQUENT
Tax Status: DELINQUENT

What else do y0u know about these [censored]heads?

Tax status as of April 7, 2009:

Treasurer and Tax Collector
Los Angeles County
Treasurer and Tax Collector

Property Tax Payment Inquiry

Last updated Monday April 06, 2009
Assessor ID Number: [protected] Year: 08 Seq. No.: 010

ELECTRONIC FUND TRANSFER (EFT) NUMBER
ID#: [protected] 9 YEAR: 08 SEQUENCE: 010 1

Installment 1 Installment 2
Tax Amount $2, 183.17 Tax Amount $2, 183.17
Penalty Amount $218.31 Pen/Cost Amount $0.00
Total Due $2, 401.48 Total Due $2, 183.17
Paid Amount $0.00 Paid Amount $0.00
Balance Due $2, 401.48 Balance Due $2, 183.17
Delinquent If Not Paid By 12/10/2008 Delinquent If Not Paid By 04/10/2009
Message: DELINQUENT
Assessor ID Number: [protected] Year: 08 Seq. No.: 000

ELECTRONIC FUND TRANSFER (EFT) NUMBER
ID#: [protected] 9 YEAR: 08 SEQUENCE: 000 2

Installment 1 Installment 2
Tax Amount $8, 463.01 Tax Amount $8, 463.00
Penalty Amount $846.30 Pen/Cost Amount $0.00
Total Due $9, 309.31 Total Due $8, 463.00
Paid Amount $0.00 Paid Amount $0.00
Balance Due $9, 309.31 Balance Due $8, 463.00
Delinquent If Not Paid By 12/10/2008 Delinquent If Not Paid By 04/10/2009
Message: DELINQUENT
Assessor ID Number: [protected] Year: 07 Seq. No.: 010

ELECTRONIC FUND TRANSFER (EFT) NUMBER
ID#: [protected] 9 YEAR: 07 SEQUENCE: 010 2

Installment 1 Installment 2
Tax Amount $983.60 Tax Amount $983.59
Penalty Amount $98.36 Pen/Cost Amount $0.00
Total Due $1, 081.96 Total Due $983.59
Paid Amount $0.00 Paid Amount $0.00
Balance Due $1, 081.96 Balance Due $983.59
Delinquent If Not Paid By 12/10/2008 Delinquent If Not Paid By 04/10/2009
Message:
Tax Status: DELINQUENT

Scot R. Fine, CEO New Haven Financial, 24025 Park Sorrento, Calabasas, CA.
New residence at (removed)
Various problems: home purchased on December 12, 2007 for $1, 750, 017, but not recorded for more than a month in the next calender year, on January 17, 2008.
Another problem: just like the house in Hidden Hills (5919 Spring Valley Road, Hidden Hills, CA 91302), taxes due by Dec 10, 2008 are now delinquent, for almost $13, 000. New tax bill of almost $12, 000 is due in 2 weeks.
How is it that CA Department of Real Estate does not have a true and timely update of this salesperson’s address?
There seems to be a disturbing pattern here.
How is it that the chief executive officer of a mortgage company can’t take care of his own real estate taxes? Was his ability to pay his new loan properly validated? Have company funds been used/misused to fund this purchase? Has Larry Rabinoff properly qualified for his new home loan?

Wow! Mr Fine and his company has some serious explaining to do. The state's complaint looks pretty comprehensive to me. and it doesn't seem likely they would have gone to all this trouble without just cause. How did they learn about this anyway? and what about Stella's comments? I saw the business card on the link-it says Alyson/New Haven Financial, and the agency listing is for Donna, both with the same last name (I had to copy the link text and paste it into the browser bar). Is Allyson using Donna's credentials? Are they mother and daughter and did it happen with the consent of New Haven management? That doesn't sound right to me. How is that fictitious? (check your spelling here, bud)
New Haven: how about providing a plausible explanation here and now? That would include addressing every point raised by the state and by Stella? (you're gonna have to do it anyway.)

Here is Fine's fine response, which flies in the face of the facts, all of which have now been made available to the DRE investigating attorney:

Dear Fraud Watcher,

"Scot R. Fine" has sent you a message on ComplaintsBoard.com:

Dear Coward,

Its easy to make slanderous ficticous comment narrative behind an alias front. If anyone wishes to discuss New Haven Financial, Inc. and its business practices feel free to contact us at any time @ [protected].

Sincerely,
Scot R. Fine

Don't Do It. They are fraudulent to the core.