• Report: #297712

Complaint Review: Affordable Auto Repair

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  • Submitted: Mon, January 07, 2008
  • Updated: Tue, October 28, 2008

  • Reported By:davenport Iowa
Affordable Auto Repair
1308 W 6th St Nationwide U.S.A.

Affordable Auto Repair pavillion capital group can not rely on them they caused my buisiness to fail! Omaha nebraska

*REBUTTAL Owner of company: The BBB rating is satisfactory. This is a good company. Here is the link.

*Consumer Comment: I checked this guy out and he is legit and very real.

*REBUTTAL Owner of company: Proof of professional memberships that check annually for violations to verify that there is not issues with the past and that this posted report

*Author of original report: ...

*REBUTTAL Owner of company: Johnny the upset mechanic with bad credit and no memory

*Author of original report: pavillion capital group screwed affordable auto repair

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david musk promissed me he would be able to get a loan for me,so i filled out mountains of paperwork sent in orignal copies of forms ect. and waited a year i had it aranged that the shop owner of the company i was going to buy would give me the down payment even. i waited and waited to no avail so the shop owner of the shop i was going to buy sold it to someone else. then i found another shop this time i called dave and only asked for him to call the company and verify the fact that i ha dbeen attempting to purchase a shop as i was planning to lease for a year untill i was able to get my credit score perfect for the larger loan amount needed .

well david musk says i can get you that loan ill get a proposal together and send it over to them. he never did! now they wont lease to me thinking im lying all i wanted him to do is contact them and he didnt even do that he is a lyer

so now that i dont have a shop to opperate out of im out of buisiness and i had a good one too. since ive been trying to contact anyone in thier their office to get my tax forms back with no response cowards they are!!! so i plan to go to their office directly or his home to retrieve my paperwork. dont believe what he says he cannot be trusted!!

Johnnyonthespot
davenport, Iowa
U.S.A.


This report was posted on Ripoff Report on 01/07/2008 10:00 AM and is a permanent record located here: http://www.ripoffreport.com/r/Affordable-Auto-Repair/nationwide/Affordable-Auto-Repair-pavillion-capital-group-can-not-rely-on-them-they-caused-my-buisine-297712. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 3Consumer 3Employee/Owner
Updates & Rebuttals

#1 REBUTTAL Owner of company

The BBB rating is satisfactory. This is a good company. Here is the link.

AUTHOR: David - (U.S.A.)

The BBB rating is satisfactory. This is a good company. Here is the link.

http://nebraska.bbb.org/WWWRoot/Report.aspx?site=135&bbb=0714&firm=135001962
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#2 Consumer Comment

I checked this guy out and he is legit and very real.

AUTHOR: David - (U.S.A.)

I checked this guy out and he is legit and very real.
Dave Musk owns a commercial company Pavilion Commercial Group, LLC and Ron Penzkowski owns a residential company called Pavilion Capital Group,LLC. They are two separate Limited Liability Corporations. Dave does mainly commercial lending projects over $10 Million and Ron does residential.

You can easily check at the State Capital and see each separate company or contact either company direct for a copy of their stamped articles of incorporation. Each corporation is licensed at a separate address. Pavilion always worked in all 50 states with federally chartered banking relationship,so do not require individual licenses since the bank does their own due diligence each year per law.

Dave Musk of Pavilion Commercial Group,LLC was the victim of identity theft by another person who had his same exact name. The lender Dave Musk has never had a criminal record and that is how he is still in business since this happened in 2002. Only confused or maybe jealous people or people who Dave did not please for whatever reason,his or theirs, who want to cause trouble are spreading incorrect information on the net. I checked this guy out and he is legit and very real. You can do the same yourself. I have closed some big commercial transactions with Dave and have more in process. Ted
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#3 REBUTTAL Owner of company

Proof of professional memberships that check annually for violations to verify that there is not issues with the past and that this posted report

AUTHOR: David - (U.S.A.)

Proof of professional memberships that check annually for violations to verify that there is not issues with the past and that this posted report

Proof of professional memberships that check annually for violations to verify that there is not issues with the past and that this posted report is all made up.

Some proof of professional memberships that require 'annual' background checks and proof have been a member for years.

www.cambweb.org

member #28151 since 2001California Mortgage Broker Association (CAMB)
Affiliate Member http://www.cambweb.org/main/page/MemberSearch

http://www.oabr.com/MemberWebsites/MemberSearch/tabid/83/QueryType/Member/SearchPhrase/Musk/Default.aspx
Membership Info Omaha Area Board of Realtors Member No: 90856 since 1997Office Name: Pavilion Capital Group

National Association of Mortgage Brokers
www.namb.org
Member 900355 since 1997
Certification(s): Certified Mortgage Planner, Commercial Hedge Fund Facilitator http://www.namb.org/assnfe/SearchMembers.asp?MODE=VIEW&TYPE=NORMAL&ID=900355&SNID=19844866

Member Search Results (1 shown of 1) Back Last Name First Name Organization Certification City State Zip 1 Musk, David, Pavilion Capital Group, LLC Omaha Nebraska 68154

Find a Member http://www.namb.org/assnfe/SearchMembers.asp

correct phone number 1 402 778 5090.

Pavilion managment
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#4 Author of original report

...

AUTHOR: Johnnyonthespot911@gmail.com - (U.S.A.)

HERE ARE EMAILS HE SENT WHEN I WAS TRYING TO G
ET A RESPONSE FROM HIM ABOUT HOW TH LOAN WAS GOING KEEP IN MIND
THE LAST TIME I HAD COMUNICATED WITH HIM HE WAS ONLY TO TALK TO THE COMPANY I WAS GOING TO LEASE FROM NOT BUY!!AND HE COULDNT EVEN MAKE A SIMPLE PHONE CALL I CALL THAT INCOMPITANT!!
Johnny,

I am sorry I am on vacation since December 28th at my second home in Europe and not checking emails.

I will be back in the country February 2.

I told me assistant Ron to mail your information to you. Your loan has been denied because of your slow credit and insufficient income.

Be well,

In a message dated 1/4/2008 1:36:26 P.M. Central Standard Time, johnnyonthespot writes:

you havent sent the fax yet ? why whats wrong ive tried calling no answer im sorry but ive lost faith in you i would like for you to sent my tax in formation back to me ,this would save me the trip to your office thanks for nothing.also note that this has cost me so much i should have known i couldnt rely on someone else. my hopes for having a legitamate buisiness are gone thanks to you!

Based on BBB files, this company has an unsatisfactory record


BBB Definition:

unsatisfactory record - A company has an "unsatisfactory business performance record" with the BBB is based on the experiences reflected in BBB files. This file condition results when the company has failed to resolve or respond to complaints, repeatedly failed to respond or resolve issues in a timely manner, failed to resolve the underlying issues for a pattern


BBB Definition:

pattern - More than 2 complaints involving the same allegations usually within 12 months that are significant in relation to the company's size and volume of business.

of complaints, failed to honor their commitment to mediate or arbitrate disputes or honor mediated agreements or arbitrated decisions, failed to substantiate, modify or discontinue false advertising claims


BBB Definition:

advertising claims - The BBB reviews business advertising, (newspaper, magazine, TV, radio, internet) routinely to ensure that it is truthful and ethical. Claims in advertising are measured against basic advertising principles of the BBB Code of Advertising which was developed to guide advertisers, advertising agencies and advertising media.

that are challenged by the BBB, or failed to discontinue unauthorized use of the BBB name and logo, a Federally protected trademark.

with the BBB due to an unanswered complaint.its just the begining a*****e
- Show quoted text -




Johnny boy,

Now that is not very nice.

I was unaware on any BBB problems with my corporation,but I will look into this and get them resolved. Thanks for pointing this out.

Do not contact me again or I will report you to the Quad city police for harassment.

I can not help you.

be well,

Dave

In a message dated 1/16/2008 10:21:58 P.M. Central Standard Time, johnnyonthespot writes:

with the BBB due to an unanswered complaint.its just the begining a*****e
actionable in a court of law and you could go to jail.


Reply

Johnny,

You really need to get a life. Have you ever heard of "malicious defamation" of character. It is actionable in a court of law and you could go to jail.

Be very careful what your next move might be. Is it really worth it? I have no skeletons in my closet..so bring it on...lets get the Feds involved to talk about your cash business and how much money you own the IRS!

Remember I have money and a fully functioning brain. Do you really underestimate what I can do legally if you do not "cease and desist" this bull?

You simply applied for a loan and got turned down. Be a man.....Egads just move on,dude!

I have no time for kid games. I paid my dues in life and worked hard to get where I am in life!

Step up and make your own.

Leave me alone!

Dave

In a message dated 1/16/2008 6:51:52 P.M. Central Standard Time, johnnyonthespot writes:

im sorry but im going to report you to the better buisiness Bureau ,also im setting up a website about you.im sure the fbi fraud division will investigate you.oh yea ill tell everyone about how incompitant you are,and how you lie about what you can do and that while your in europe on vaction hard working people are getting ripped off by you and ive found other horror stories they wil be included .
you sorry sack of sh*t!!

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
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#5 REBUTTAL Owner of company

Johnny the upset mechanic with bad credit and no memory

AUTHOR: David - (U.S.A.)

I am the commercial loan officer working on this file.

I am very surprised by this post. I think this client is confused. I had been trying to help this client.

I do not understand how Pavilion caused his business to fail. We are over 400 miles away and the client just applied to Pavilion for a loan. We never met the client face to face. We never issued a written approval nor told him that is file was a solid case at any time!

We never collected any money from Johnny,so all it cost him was some time! The client told me he was making six fugures a year working out of his home garage and wanted to expand and double his money and maybe hire another mechanic. If he was making that much money,how did his business fail?

I just got back from a vacation and noticed that Johnny was calling my direct private line,instead of the main switchboard to be transferred to someone handling my business.

When Johnny contacted Pavilion about the potential purchase of a commercial garage a few months ago that he could operate his mechanic's business,his credit scores where under the guidelines but he said he had a cash downpayment of 20% required. There also were more stated income products available at lower credit scores. With the current mortgage market,many of these programs ahve been going away in 2007 and the program that I was trying to put Johnny into was discontinued by my Wall Street investment bank.

I had told Johnny how to try to repair his credit and kept the file open to re-score his credit in 60 days. Maybe his scored would get better. He then put an offer on a property. I told him that is putting the cart before the horse! Then he switched to another commercial property,because he felt uncomfortable with the first seller!

This that took another few weeks for Johnny to negotiate with the other seller. I kept telling Johnny not to write offers and he was ahead of the plan. I also kept asking for his income and cash proof. All Johhny sent back were the signed loan re-disclosures. I needed more information to help him! Johnny seemed very confused to me.

When his bank statements and taxes finally did arrived,I then found out he was working for cash out of his garage,did not file taxes on that income,(which is against the law),never had the downpayment and his credit scores went further down. We were mislead by the client.

Well what elsecan I do? I officially turned his file down in writing and I had mailed his paperwork back once,but I will mail the copies I kept in the file back to him again using certified mail to his home address this time.

This issue has been resolved by Federal RESPA lending laws and we wish Johnny the best of luck in the future. Pavilion had anything to do with his business failure and we are sorry he is upset and blaming Pavilion for his own poor business practices.

Thank you and be well,

David L. Musk
CFO/CEO
Pavilion Capital Group,LLC
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#6 Author of original report

pavillion capital group screwed affordable auto repair

AUTHOR: Johnnyonthespot911@gmail.com - (U.S.A.)

they did not do what they said they would do can not reach anyone in thier office
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