Semper Financial review: Misleading/Unprofessional service 32

And before I am labeled as being a former employee that was fired and am typing this out of anger is not true. I left the company. I refused to ruin my reputation when the tasks they had asked me to complete were not only unethical but also law breaking. I learned very soon after leaving Semper not to list them on my resume. I had come across companies (not just banks) that wouldn't even talk to me because I had worked at Semper. No I was never a LO or underwriter or processor. I was hired to make sure that the company was compliant and that was a joke. I was more like hired because they thought I would be too stupid to see what was really going on. My opinion honestly is to stay away from them. They are definitely not trustworthy and do not have your best interest at heart. I hope whomever reads this will make the right decision and take their business elsewhere.

*employees

I worked for Semper and all I can say is that they are all crooks. They prey on people to screw over and teach their employers to be shady. Anyone who receives something in the mail from Semper should toss it. You are safer that way. Matt Sullivan, Mike Securo and especially Ray Duquette are extremely ignorant people...STAY AWAY!

I can completely relate to this reviewers posting. It looks like we are about to wrap up this deal, but not without 3 extensions and constant misleading statements throughout the process of getting a VA loan from Semper.

Now, it's the day before the closing, and Semper has not produced the loan documents required for review by our lawyer.

They said it would be no problem and easy to get VA approval for the loan . I pointed out incomplete information present on the application form, but they insisted that it would be better not including some of the information. Sure enough, the VA made them resubmit the application, including the information that I originally pointed out .

Very misleading. Very unprofessional. Just like the original poster claimed.

I've received a letter from Semper to refi my house and after reading all those posts, I came to conclusion that I would not even bother calling them. It does not seem to me they do due diligence to check if the person would even qualify for refi (whether it is a house value or debt to equity issue). All they are concerned is the volume of customers and don't really care if they do successful refi. If they get enough consumers through the door then they will make their money. And when the problem arrases they just blame it on disgraceful employees (maybe the issue is with selecting a proper talent for the jobs). I'm sure they have plenty of satisfied customers, otherwise they would not stay in business even after the original post (almost 4 years later). But on other hand how many other unsatisfied/mislead consumers have not reported them. All I'm saying is why take a chance and give your hard earned money to them when there are hundreds of other mortgage companies without complaints. I'm working with A-Plus mortgage company right now and the broker took extra measures to see if I even qualify to refi my house before I paid appraisal fee.

To the above:
I work at Semper, and i know how hard the employees at this company work day in day out to help people reach their financial goals. They are extremely dedicated individuals who take no pride in not being able to complete home loan transactions knowing how important it is to consumers. I am very well acquainted with the most recent post from SBJA. Yes Rudy Greene started this loan for these people, and yes Mr. Sullivan involved himself once it was recognized that Mr Greene was not returning calls in reference to the appraisal. Mr Sullivan got involved, he rectified the situation immediately, and the consumer was very happy with the service provided. It was also explained to Semper that the house would be appraised somewhere in the range of 750k. It took a little longer than normal for the appraisal to come back because it was a unique property that the appraiser was having a difficult time getting comps for. In the meantime the underwriter began reviewing tax returns that were submitted. Consumers explained they made plenty of money and were annually around 150k agi. Appraisal came back at 395k and agi was approx. 40k. Well, needless to say when your final debt to income ratio is close to 85% and the house comes in approx. 350k short on value, there may not be a qualified loan any longer. Unfortunately, as a lender, we are still at the mercy of underwriting guidelines. And when someone does not qualify for a loan when they had there heart set on getting it done, it can be frustrating. On behalf of Semper, we apologize for not being able to help complete the transaction and we apologize if for some reason the level of service was not to your satisfaction, but I know this one intimately, and it was worked thoroughly and the consumers were in the loop, and expectations were set. At the end of the day, simple banking guidelines is what caused this loan to not go through and what you are seeing above by SBJA, is frustration. Which we get, but cannot control. Semper is always willing to do what it can to make an unhappy consumer, at least slightly ok even though they did not get the loan they needed. Sometimes, that isn't even enough. I know Mr. Sullivan is aware of this particular loan and is doing whatever he can to make it right for the consumers even though they have taken their complaint further.

I unfortunately encountered the same problem. I was assured by both Matt Sullivan and Rudy Greene, the aforementioned stated he was the owner of said company and that he prided himself on a good business relationship, however this was no where near true. I was completely mislead by Semper Financial i was assured that my loan would go through and that i should shell out $445.00 for a Appraisal. Which i did based on the fact and reassurance's that they could get me the loan. This was all a fraudulent talk at first after paying for an a appraisal and told with in a couple of days this appraiser would show up, which never did after countless calls and complaining on our end, and no return calls for days. A man shows up just indiscriminately flashing pictures of my home. Was there maybe twenty minutes and then gone. Another week lapses before I get another return call from a Matt Sullivan who had promised to return my calls every time which he did not and tells me he does not have the actual appraisal but he received the worth through a phone call with the appraiser. O kay i thought perhaps they got this situation cleared up. NO, two days later Rudy Greene calls who had started this loan process and then just disappeared for a week and states that our income to debt ratio is off by about Two thousand a month. We were like what are you talking about you had all our information in advance and prior to asking us to shell out $445.00 for an appraisal. He then told me that he would work this out and call me back in a few hours. Now hours have turned to days and i have called countless times. To no avail, no return calls or answers. They took my money never returned calls or came through with a loan. I am presently on my way to the court house to file multiple complaints and charges against theses people for their misleading, deceptive lies and will sue them for the money they stole from me. They baited me with lies and slick talk these people are con artist and will say anything to get your money.

I've been in the business since 2002 and I've had good and bad clients. The only difference is that I still closed their loan for them by providing them the information that they are looking for or explaining what went wrong. I never give out a rate until they have been preapproved and preliminary conditions are provided. I always tell my clients that I would like to get them preapproved first before we can even discuss anything else. You can actually run the file in DO/DU to get an approval from FNMA or Freddie LP to make sure that they can be approved. That is if you work for a direct lender or if they give you access to prequalifying your own files. Some lenders or brokers don't have access or don't allow it. In any case they can just submit the file and have someone preapprove it before moving forward.

The Government is really the one at fault for all of this whether you want to believe it or not. Instead of empowering the individual with the proper knowledge to make the right decision they would rather make a new regulation to regulate the current regulation?! Sounds redundant doesn't it? It is how our Government operates now a days. They would rather babysit the people than teach them how to make smart decisions. Our rights to make our own decisions is the power of a FREE COUNTRY! You should be smart and make your own decisions. They should offer free online classes to help individuals make smart investments. Give them links to pointers, help find out how to get the value of the subject property, and teach them to spot possible scams. The more regulations they create the more people will get lost in all the paperwork.

Now if your reply was "this is the biggest investment you will make in your lifetime" then why are you not treating it like one? Why did you not research what you should know before you signed on the dotted line? I know all the investments that I have made in my life I did not sign the document until I knew exactly what I was getting into. You should do the same, that is smart investing. It may seem complicated but would you rather suffer the consequences later after you approve the deal or make changes to your deal till you get what you want so that you don't have a lingering headache to deal with for the next 30 years? You decide. You have every right to rescind or reject any offers given to you. DO NOT BE AFRAID TO SAY NO!

On another note, for the people who try to determine emotions through text...QUIT IT! Text is text. I think that when people put it in all caps it is to highlight the importance of the statement and not that they are SHOUTING AT ME! DO NOT TAKE IT PERSONALLY! People now a days act like children because they are so used to getting what they want. Sometimes you can't get what you want and if you can't then find another way to get it. When people write me in all texts I just ask that they call me so that we can TALK LIKE ADULTS! This is not texting your friends this is business and you to should be more professional about it as well by calling them directly. If they don't reply then I suggest you find someone who will take the time to understand you. There are so many people out there who are very professional in the industry they serve. Call me if you have any questions. I will always answer my phone...even if I know you hate me. I will still always look out for your best interests. Visit us at www.zoletarealtycapital.com our contact info is on there. We will do what we can to serve you.

Thank you for your time.

I would check the Zillow reviews. They are much more recent and probably more accurate since its moderated by Zillow and not an open forum. This site obviously doesn't validate any of the information being written. I had a great experience with Semper and came across this thread after searching for the address to make my payment. My experience was actually the opposite of what is being said on this site. Be careful what you read! Semper seems to be the victim of a couple bad employees. Me being a business owner myself I sympathize with the saying that "One bad apple spoils the bunch". But I'm a firm believer in " Good help is hard to find" also. If what people said were true I would probably never go to another restaurant in my life. You know, because "Yelp.com" said so. With that being said, read the reviews and take them into consideration. Don't let a review make your decision whether or not to use a company. Check out the reviews... http://www.zillow.com/profile/Semper-Home-Loans/Reviews/

As far as I am concerned, there is no reason someone should read these posts and make a determination on whether to move forward with Semper Home Loans on a refinance or not. How do you know Semper Home Loans does not do thousands of home loan transactions every year and have been in business since 2005. To have this one complaint after all ghise loans and all that time, not bad at all. This is the problem with consumers in todays world, you are never the one to blame and will always point your fingers at someone else for your own faults. How do you know that there isnt more to the complaint stories than what you are reading on here. Being in the business as long as i have, trust me, 99% of the time it is something that has to do with the consumers past that will cause a deal to go south. Usually bad credit, not enough equity, or making no money because they either do not have a job or just do not make enough to support the debt. But who is to blame for the current deal they have on their mortgage, the last broker or lender who FORCED them into it and made them go over their head. If you own a house, you should have the ability to read and make grown up decisions. Semper is a smaller version of a wells fargo or a chase, and if you were to go onto a website and read that a consumer had a bad experience with either of these larger banks, would that stop you from refinancing with them. NO, you wouldnt. Why not? It is the same thing, one bad apple can spoil the bunch. Use your own judgement when deciding on who to use for your next refinance or purchase. I did mine with Semper and it was the cheapest, best rate, quickest process i have ever been through. My agent at Semper was on point and a pleasure to work with. Dont beleive the negative hype. Make your own decisions in life.

Just like the other consumer, I just received an offer from Semper to refinance with a lower interest rate as well., "BUT" after reading the above horror story and seeing how the manager responded, I've decided to take my business elsewhere!

We are a vendor in another state and we were contacted by Semper Home Loans to do a termite inspection for one of their clients here in our area. Our policy is to collect at the time of service, but as a former Marine myself, I though Semper Home Loans was a legit company so we agreed to bill them for the service. Fast forward to today where we are 2 months after the loan closed and we still haven't been paid. We do over 100 Real Estate transactions per month and we always get paid a few days after closing. I realize that 1. this is a refinance and there is a 3 day rescission here in my state so that would delay payment, and 2. it takes about a week to receive mail from RI to my state. With all of that we still should have received pmt by now. I have contacted the loan officer 4 times now and each time he says he will make sure we get a check. He told me that he turned it over to his supervisor but still nothing. This may all seem minor but it's the principle to me. I know that as a veteran, VA requires a NPMA-33 (wood infestation report) and I also know that the borrower can not be charged for this service, the lender is required by the VA to pay for the inspection. Semper closed the loan and won't pay us, a small family-owned business just trying to make ends meet. My next step is to send the bill to the home owner and hold him accountable. If that doesn't work, I'll file a mechanic's lien on the property. The thing is, through all of this, as I said, I'm a veteran, , , , do you think I'm going to use Semper when I get ready to buy or refinance again?

Ultimately " Semper" loan officer was desperate for new loans and used "bait and switch " on the borrower, this time "Semper" baited the borrower to believe they had the loan for him and in reality they had nothing.
Here is the funny thing when the borrowers come to me to refinance or purchase After I am done with their Income & reserve docs I will make sure they site down still and look at an AVM cost only $5 or MLS finding to determine worst case scenario! and always request an approval at higher LTV than the borrower requested ...once we have the approval from our lenders .and the appraisal come back to expectation or higher...only then again we lower the LTV back to per what the borrower request initially once the appraisal clears to close we lock the loan for couple day's only.
"Semper" is the ultimate symbol of mediocrity this most come from management and the people that pretend been banker or brokers with no structure nor proper protocol or training... If anyone like their job they will master it without no one requests... I did it ...yes it is hard work but it get easier we call that smart work as I am not selling cars that anyone that can get ride off it after 05 years ...rather people life time achievement extra caution is required... so far it made me rich !
By law the borrower always a victim even if the borrower him/her self-committing fraud they don't get punished... seen it ... So Finally every one of us think our house is worth a fortune the lender does not look at it that way.. they defined it as a piece of junk that they are going to rub you with it especially when 95% of your payment goes to interest for 20 years to make the rich fatter...that why I encourage people to pay off their homes ASAP than use it to finance the small think in life like a car or tractor or build A stick built shop convenience for the home owner and more value in their pocket.
Yes everyone think how can you make money by telling people this ? Will you save few they will be more to be introduced to you that they need similar help by refinancing at first then help them self on paying the home off!

We're indeed targets of businesses that intend to rip us off when least expected. We need to make sure that we don't fall as a victim of such malpractices. Don't you get it, people? YOU are responsible for not stopping them from committing a crime against you. It's all your fault! Beware the charlatans. They'll do anything to make money and put you in deeper crap while doing it. Learn from your mistakes. Better yet, learn from others who complain about how they failed.

By law it is required that we provide several brochures, depending on the loan type, when disclosing mortgages. One of those brochures is "Shopping for Your Home Loan" which is explains all settlement costs and the general mortgage process, "What You Need to Know About Home Equity Lines of Credit" for home equity loans, and "Consumer Handbook on Adjustable-Rate Mortgages" for ARM mortgages. Being a registered Mortgage Loan Originator and loan officer for a non-profit financial institution, I fault both parties in this situation. It seems as if the lender was very unprofessional and vague when explaining the loan process to the consumer. I always explain the process, start to finish, to avoid any problems that may arise along the way and to avoid any miscommunication. However, I also fault the consumer. When you are in school, you are expected to read the material assigned to you in order to learn it. When you shop for a car, obviously you would research different autos to find a best fit for your needs. The same is true with mortgages. Make sure you know every detail and expense and the risk associated with it before jumping out and going with a particular lender. Find out all of the details before you pay any fees out of pocket. Always practice caution when dealing with any lender, and learn all you can on the particulars of whatever loan product you are seeking.

Worreva u sai, brotha!

Awww you are offended by the gramar and the spell check not the lexique ... you must one of them thos idiots pretending to be bankers wait till the DFI get hold of you for predatory practice than you will have lot spell check to do with your attorney... hold on usualy idiots bankers dont have in off business to afford one. :)

Oh, by the way, the warning message just above the Comment text box says:

Please check text spelling before submitting a comment

Here is someone who calls others idiots can't even spell right, not to mention the horrible grammar. Last time I checked, non-IE browsers like Firefox checks the spelling as you type. Maybe switching the browser would save you some embarrassment and make you look less of an ###, don't you think? I mean, look at what you typed up. I'm not against the nerd rage here, but if you want to point out something idiotic, then at least try not to look like an idiot doing it.

Dont you love it when Banker start bonding by ripping off, missleading, lying to BORROWRS... yes this is a big word it should be treated as such ! You are weeling and dealing with people life time investement and you so called financial officers expect the borrowers to just lay down and take it ... As a banker / broker my self I am imbarassed for you idiots...at Semper and who ever support this "Predatory Practice" the bottom line you should disclose to your borrower from the begaining you ability to close this loans and if you have the lender who can funded @ 4.48% it at worst case scenario... mean higher than 85% LTv and a negotiated rate of 4.48% at 85%ltv then get the commitement letter from the lender first only then issue the approval and send the appraisal out and in case the appraisal comeback bad at least you are covered... This proof you are nothing but a bunch of amateurs that MR.Dapaley been victime of.
Here what happend you been dealing with hungry dogs eager to get some business in the door and rip you off, miss lead you, lying to you in the process did he told you that he wife expecting a babee to ?lol
Best advise is pay your house down as much as you can then go do refinance with your curent lender for rate only it is called STREAMLINE REFINANCE no appraisal is required nor credit check nor documentation it might cost you $250 Signing new Note with your existing lender no matter how bad they are!
Stop talking to this monkey's and contact your lender first you save lot of head each

I'm just now starting an adventure with Semper. I will post again to say how it goes. I do understand that it is impossible to please "impossible" people. And some people are simply IMPOSSIBLE.
So far... Chelsea has been very nice. I replied to her email and mine got rejected...probably just a glitch... We'll see.

I have been with Semper since day one. I quit my job as a bank vice president to help the owner of Semper build a first class company. So I think that I can safely comment on what has been said by some of the posters. First of all, I am aware of the loan that had the appraisal and the loan officer who handled the file. An unhappy customer is an unhappy customer (I could put their experience in perspective so you'd all get the other side of the story but they know what really happend but I choose to stay out of the mud). In my 30+ years in business I understand that you can't make everyone happy, but that shouldn't stop you from trying. But I won't comment on the customer's complaint because it is one voice in a chorus of mostly happy, dedicated Semper clients. There "bad" experience is an anomoly, not the norm. But I will comment on the "response" by Mr. Casey. First of all, some people type all caps. I hate it. It is considered yelling online. However, that shouldn't necessarily detract from what he was saying although I must stress, HE IS NOT (Was not, he hasn't been here for over 2 years) a spokesman for the company and doesn't represent us. I do. And my word is my bond.
For the last 4 years or more, people have lost about 1/3 of the equity they once had in their home. Every month I recieve more than 50 appraisals that result in values that are less than what is owed on the house. Appraisal companies won't give us an idea of value BEFORE the client agrees to pay the fee because it is ILLEGAL, thanks to our legislators. The last thing I want to do is make appraisers rich for doing appraisals on homes that WE KNOW won't have the value the borrower needs! We used to be able to say "hey, the house has to be worth $200K for this to work, what are the chances? Is it worth doing." Most appraisers would do this for us. It is called "comping" the home. It is now ILLEGAL because of the Home Valuation Code of Conduct (HVVC). This was made law by our brilliant politicians to "protect" the commoners who are too dumb to take care of themselves (or so our government seems to believe).
That being said, I'd like to believe that my loan officers offer the finest customer service in the business. Unfortunately I can't control it 100% so even though I'd like to think it, I know they fail from time to time. But to not decide to give us a try because one or two disgruntled clients had an issue is just not fair to us or TO YOURSELF! We are a very good, very ethical company. Look at our BBB record. Look at our Institute of Business Ethics rating. Or just pick up the phone and call us and see for yourself. We are licensed in over 35 states and are in good standing in each one! We've been audited by the Federal Housing Auhority and were given a rating of A. Check it out on the HUD website.
In closing, I'm proud to be part of Semper. I was instrumental in starting it and growing it to where it is now. I work long hard hours to stay in business and provide the best service I can to anyone who desires our help.
So, if you have a complaint, call me directly, don't just listen to someone's jaded opinion. Decide for yourself. You know, at one time there were people who complained about noisy, stinky automobiles. Thank God that Henry Ford didn't listen or we'd still be picking up horse manure outside our homes.
So be free, don't be swayed by one person's opinion...even mine. But do give me a call. Mike Securo, [protected]. If I'm not in my office, have my secretary find me.
Have an awesome day.

I found out that you can Opt-out of receiving these "precreened" offers by either calling 1-888-5-OPT-OUT [protected]) or go to web site http://www.optoutprescreen.com/ to exclude yourself for interim period (5 years) or permanently from receiving these annoying SPAM mails.

Oh, by the way, it's funny to see how they keep sending me the letter for refinancing my house in North Carolina to my address of my current residence which is an apartment in Virginia. It's kind of creepy in a way to see this happening since this could only mean that these firms are getting my credit reports without my knowledge that they're getting them. I'm sure I'm not the only one getting these offers, so does that mean they are getting these information in bulk from the credit reporting bureaus? Do Experian/Equifax/TransUnion sell these credit reports in bulk to these financial institutes? I know Facebook says they have the right to sell every pieces of information people post, so I never post anything on Facebook, but how can I prevent my credit report from being distributed without my knowledge or consent?

An unhappy customer is just an unhappy customer. No matter how terrible the outcome is, a good customer relations could at least make the customer not feeling like he/she is ripped, scammed, deceived, misled, mistreated or whatever.

Although I don't totally agree with the complaint for not getting the desired outcome as this type of services always result in different outcome depending on an individual’s status, I don't think I would pursue a finance solution with a company that treat a customer with an utmost disrespect.

To further that cause, A NOTHING BUT A HIGHLY PROFESSIONAL CUSTOMER SERVICE MANAGER WHO REPRESENTS A COMPANY OF PROFESSIONAL CARING WORKERS decided to show us how far they’ll go to make sure their work is highly professional. I wonder if this Willie is still hanging down there. I mean, what would you do, if you were the President of that company and saw such a post made to the public by one of your supposedly professional caring worker in such a “professional” manner?

The last person who posted before me almost 2 months ago sounds like he either works for Semper and wants to defend his company’s wrongdoing or he’s just a prime example of what you see on a daily basis in our lives. This is exactly how they feel, people. Just like this guy, they all think they’re “helping” you, so they want you to just shut up and stop whining because they’re trying to give you some moneys. Of course, I’m only being sarcastic and stereotypically targeted all of them who work in this profession, so don’t lose your hope of ever meeting a truly professional financial advisor who could actually make your effort worthwhile.

I am an experienced mortgage banker for a national lender based half way across the country. I have no affiliation with Semper, I don’t know anyone who works there, and don’t know much about the company. I came across this blog on a google search. I had goggled them because they appeared as one of the fastest growing companies in inc magazine.

To the first poster I say this… your loan officer should have called you back but he did nothing wrong and does not owe you a refund for your appraisal. The appraisal was paid to an independent company, not the lender, and the lender has no responsibly to assure you appraisal comes in at the value you estimated. It would actually be illegal and unethical if they even discussed what value you were looking for with the appraiser. Bottom line, your house wasn’t worth what you thought, and based on the lower value your interest rate ended up being higher. That is how it works . I would even go as far to say you were lucky they didn’t just deny your loan and send you on your way. Some banks don’t even offer loan if you have as little equity as you do.

To a consumer who might be reading this, don’t let this post keep you from seeking a refinance at this lender or any other. If you want to protect yourself make sure you give your loan officer an accurate estimate of your houses value. Even if you are not sure though, the $375-$550 investment in an appraisal can mean lower payments for years and years to come. Many times it is worth it.

Wow - I just received something in the mail from them and I have no plans on calling based on what I have read. Thank you for taking the time to post all of this vital information. It's hard enough going through the loan/refinance process, but to have to deal with someone over the phone that is rude is worse. All of you have saved me from making a big mistake - thanks again.

I received a letter for refinance and so I decided to call Semper loans, They were very nice to begin. I sent in our application and the person I talked with stated that everything looked good and that an appraiser would call to set up an appointment to appraise our house and we would close the end of January. WRONG< WRONG I have heard from them one time since then and that is was after I called to see what was going on, Brett Arnold left a message for us to call him back to discuss our loan but when we call back he does not answer and I have left messages for him to call me back . Have not heard from Brett or the appraise. So I would not recommend Semper loans to no one. Even if we did not get the loan (don't know because we haven't heard a word) the common courtesy would be to call and let us know. If you get a offer from them throw it away. Again I would not recommend them.

I received an offer in the mail from these folks and found this note before I went to their site. I figured that it was just an isolated incident and entered some basic information on their website. I got a call just now and the rep on the phone was very unprofessional. First off - he wasn't listening and I had to say hello several times before he even acknowledged me. Then, I explained to him that my house was a recent purchase and that the LTV was relatively high. And he said "Oh well, take it easy" and hung up on me. Hilarious... And completely unprofessional. Just laughable that a customer service rep would think it was acceptable for ending a call in such a manner. I get that he can't help - my LTV is over their 85% limit, but to end the call by hanging up? Ridiculous.

I'm hoping that since this complaint is the first item on a google search, that lots of people see this before they waste their time.

i recieved a letter from semper today and was going online to apply but ran into the complaint first. after reading it i think i will try someone local

I'm curious, why would the poster fabricate horrible service?

Also, why would a "professional" manager type in ALL CAPITAL letters? Whether the "ex" employee is with the company or not is besides the point here. You had a bad employee, he gave unprofessional service and now you have an upset ex client.

Rather then typing in caps and defending the company, how about being professional and apologizing publicly for the poor service that Mr. dapaley received? I would have much more respect for a manager/company in such case.

By the way Mr Casey, I received an offer today from Semper and have decided not to proceed. Not because of the angry customer but because of your response.

I TOTALLY DISAGREE WITH THE LETTER ABOVE. I KNOW THAT IS NOT WHAT HAPPENED. I AM "WILLIE CASEY". AS FAR AS MR. LAVIGNE'S ROLE IN WHAT HAPPENED HE IS NO LONGER WITH THIS COMPANY. WE HAVE DISTANCED OURSELVES FROM ANYONE WHO WOULD GO AS FAR AS TO MISREPRESENT THIS COMPANY. IF YOU HAVE ONE BAD OFFICER IN THE FORCE DOES NOT MAKE THE ENTIRE CITY CORRUPT. HE IS GONE WE ARE HERE AND WE ARE PROFESSIONAL CARING WORKERS. AS YOU SEE THIS LETTER HERE...I AM SURE THAT I AND THE COMPANY HAVE JUST THIS ONE WITH THIS TEMPERMENT. BUT I CAN ASSURE YOU THAT WE HAVE PLENTY MORE WITH BORROWERS EXPRESSING THEIR GRATITUDE AND SATISFACTION WITH US. THANK YOU WILLIE CASEY...