West Capital Lending review: Would never use again!

I applied for and was granted a Home Equity Line of Credit (HELOC) by Roland Day at West Capital Lending. A few days after closing I noticed the entire amount was deposited in my bank account, which was never disclosed to me or even discussed. This is a line of credit which you draw from not a loan. I called immediately and asked for the funds to be transferred back as I was not ready to do the home improvements yet. They transferred the money back but it took a week.. all the while I had to pay interest on that amount. The closing costs I was still paying and was told that I needed to turn off the automatic payments in order to lower the payment, which I didn’t want to do. I wanted to pay the full amount to pay that off as quickly as possible. Another lie! I received an email a week later that my loan had been re-amortized and a new low payment was set.. so that I could pay them more interest. The day after we closed our loan was changed from west capital to figure lending. I would choose to go with a local bank and stay away from this one!