• Report: #917214

Complaint Review: Hard Money Made Easy Inc./ Angelo Moe

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  • Submitted: Wed, July 25, 2012
  • Updated: Mon, November 05, 2012

  • Reported By: Anonymous — Texas USA
Hard Money Made Easy Inc./ Angelo Moe
1581 Lester Road Conyers, Georgia United States of America

Hard Money Made Easy Inc./ Angelo Moe He took money for a down payment of a house and an application fee and we lost the house and never got our applicatione fee back. Conyers, Georgia

*Consumer Comment: angelo moe is a con artist

*REBUTTAL Owner of company: 6 Years Ago Not Dealing With This Any Longer

*Consumer Comment: Response to Angelo Moe

*REBUTTAL Owner of company: Shelly Wood Tell The Truth

*REBUTTAL Owner of company: Not doing insurance

*Consumer Comment: Angelo Moe

*REBUTTAL Owner of company: Who Is This, Are you Operating with Integrity?

*Author of original report: Hard Money Made Easy/ Pastor Restoration Christian Center

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  This so called company Hard Money Made Easy Inc. ran by the owner Angelo Moe who's title is Senior Commercial Analyst/Insurance Rep/ is simply a scam. Please beware of this company and anyone who is affiliated with it. Angelo Moe reels in hardworking people and promises them a new home. The scam goes like this he tells you to  find a house , find a real estate agent and a lawyer to close the deal. He takes your 699+ and then sends you to your lawyer to get into a sales contract. He promises to close in seven days really? He then tells you to put money down on a house that you are never going to get. Once this part of the scam is accomplished, he goes under the radar undetected for awhile, non-communicative and you are left to deal with the wrath of the agent, lawyer and seller. Once this is done he rears his ugly head back up with excuses and self pity lies about his living conditions. [continued below]....
..... This man has been homeless three to four times and made to sleep in his car or broke whatever lies and stories he can come up with he will say it. He also then starts sending reassuring emails that the loan is going to go through. Unfortunately this is not the case. We lost our downpayment and was promised our 699 back and have never received it. This so called man says he is a Pastor, but tell me, does a Pastor con people and run a church at the same time?

He has a church named the Restoration Christian Center in Georgia, we hope that no one falls victim to this scam like we did. Just be careful we all work hard for our money and dont need someone like this to have it taken away. We might as just well have given it to charity or down right just thrown it in the garbage! You have been informed! Dont become a victim!


This report was posted on Ripoff Report on 07/25/2012 09:39 AM and is a permanent record located here: http://www.ripoffreport.com/r/Hard-Money-Made-Easy-Inc-Angelo-Moe/Conyers-Georgia-/Hard-Money-Made-Easy-Inc-Angelo-Moe-He-took-money-for-a-down-payment-of-a-house-and-an-917214. 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:
1Author 3Consumer 4Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

angelo moe is a con artist

AUTHOR: mr.simkins - (United States of America)

me and my business partner put up 50 thousand dollars in earnest money with angelo moe to purchase an apartment complex in october of 2011.he informed us that he can close the deal in two weeks.ofcourse two weeks went pass and there was no closing date.we gave him more time to close the deal and months go bye he came up with a new excuse every week. first he said he had to restructure the contract then they had to do another appraisal and he told us it takes up to 4 weeks before it gets done he was coming up with excuse after excuse.around march 2012 he said everthing is done but the closing cost is 5 thousand we gave him that and he started ignoring our calls and text messages at this point me and my business partner was fed up with him and requested our money back and told him to decline the deal so he claimed he put in the request and we should receive our money back in 30 days,after 30 days go bye we still didnt get it back by this time it is may 2012 he came up with more excuses one week he said they mailed it then he said when he received the check it bounced so at this point i realize he is a liar i did my research and found out the property was never for sale and we went months without hearing from him i had my lawyer send him a letter and he emailed me like i  did something wrong he has a smart mouth when you call him out.now i realize im going to have to take him to court to get my money back.i advise no one to ever do any business with this guy his deals dont exsist and he is a fake preacher so if you go to his church i advise you to stay away from him.
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#2 REBUTTAL Owner of company

6 Years Ago Not Dealing With This Any Longer

AUTHOR: Angelo Moe - (United States of America)

Shelly this will be my last response to your character attacks. I first want to say you really need to be careful about what you write and who you involve in your character attacks about me. I never took any money from anyone or left them stuck with a house. that might be your interpretation of it. Back in those days investors were walking away with peoples money after they closed  on a house but of course if I brought people to the table I am responsible especially if I could not find. Shelly you don't know who is reading this stuff I am fielding calls and emails now but remember everyone you are mentioning in your previous email signed paperwork on houses that  they would live in including yourself in hopes of making money once the deal closed..( I did not make or trick anyone into doing anything). Well you said I moved twice well if they didn't get paid I didn't either. I down sized twice during the whole process. I too am sending out letters to people and copies of  emails  to clear my name. Shelly you are not innocent, your are a liar as well and please don't forget your part time job you had when you were struggling and needed money. I am not interested in airing your dirty laundry out on the web. I do understand that you got hurt in the process of our fling 6 years ago. People are reading both sides and they will choose what they want to believe. I am not running or hiding it is amazing to me that when things start shifting in my life for the better the devil has a way of reminding me of who I once was. Shelly that truth is not based on what you are writing but  what I know to  be fact. I know my past mistakes better than anyone. So you can continue to put stuff out on the web about me if you would like but remember you never know who is reading this stuff because that last response was all lies and you never know who is watching you. Six years is a long time to hold bitterness. Once again please forgive me.
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#3 Consumer Comment

Response to Angelo Moe

AUTHOR: Shelly - (United States of America)

First of all I did not SIGN or AGREE to anything with the Bank of America account. Once I told you (Angelo Moe)that your name was on it, you (ANGELO MOE), went and had the money transferred into your personal account. YOU told me that it was just a pre-approval and that I would have to go up to the bank to sign, in which I DID NOT. I did close the account after I found out that you stole the money. We did not come to a business partnership agreement & you got mad bc I didnt agree with the terms. The first case with Dekalb County was thrown out because the judge said that I had to sue you personally. When we were in Rockdale, you said that you would make the payments, but you didn't because you moved twice. LIAR! I went online to the Dekalb Online Judicial website and sent all of the parties that was suing you a letter. I also spoke with de Oni and she stated that you owed her some money too. I also have 2 other witnesses that ended up STUCK in a house (Odell & his mother). You robbed everyone for their money. You lied to people, making them feel comfortable with your services. We all got tricked. Yes, although this was a few years ago, you ruined our credit and stole money!!!
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#4 REBUTTAL Owner of company

Shelly Wood Tell The Truth

AUTHOR: Angelo Moe - (United States of America)

Shelly Wood first of all you come on this side because of something you read.....Are you serious we are talking about $699.00. The client was mad because there loan didn't close and they didn't get their money back, but the client doesn't say who they are, have not done a loan for anyone in Texas. Hard Money is not a scam it is a loan based on value and the ability to pay so for you to try to cosign on this site is really unnecessary.....
Ok Shelly Wood let me defend your comments......Why NOT TELL THE WHOLE TRUTH......There are alot of things that I could say about you and I what we both did but it is amazing how you are only telling partial truths. Yes, I did get a business line, yes I did make the transfer but don't act like you didn't know we both at that time had Bank of America accounts you had to not only sign but agree to terms and at anytime you could have shut down the accounts but you didn't.  Shelly all of this is documented, time lines and all.I don't know why I am responding this foolishness I should cut and paste that last email I sent out. Why not tell it all, 6 years ago we had a FLING/business relationship, it didn't work out so for four years  you went after me.....Nothing like a woman......well you know the rest. I was living in sin and disobeying God.... something I will regret for the rest of my days.......
Shelly Wood you tried to have me arrested for this in Dekalb County( I don't have case number but I can get it) but because I was making payments to you they threw it out. Shelly Wood  then you took me to court in Rockdale County for the total amount I told the judge I had been making payments to you, you also said I had made payments to you but the amount was not agreed upon so I just said to get this over with, I will pay it all. Case number 2009sv18330.
Shelly Wood I have the proof that after we went to court I was paying you and will be willing to upload all documents and receipts on this site, I used the money to lock down the deal but you took the payments I was paying you and put it in your pocket. At the time you were getting payments you did not forward that money to BOA and I have proof of that.
I am not running or hiding.....I have done good busines for the past 6 years I cannot help what other people do. When I bring people to the table I am held liable. During those years....yes alot of people lost there money.... I too.
Shelly I am disappointed in myself about some of the things I did in the past but I cannot live in the past nor will I continue to be attacked for it. I still live in Conyers not running or hiding my number 404-857-8016.This site is not the way to resolve this, you already won the case in court. If I never asked you to forgive me, I am asking now please forgive me for not being the man I should have been back then ( 6 years ago). In the future if you are going to go after someone tell it all  because I promise I will. Integrity did not always mean something to me nor did protecting my name but believe me it does now.
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#5 REBUTTAL Owner of company

Not doing insurance

AUTHOR: Angelo Moe - (United States of America)

Wow someone really has it in for me........Well I don't do insurance you have to have a license in the State of Georgia to do insurance . I am not a con artist nor do I have any scams. I understand when people are disappointed and things don't happen the way they want it, the integrity of what they were trying to do now becomes of no value. I have made many mistakes but never have I with intent tried to take from someone or mislead someone as it relates to investing. I understand because I bring people to deals I am the one held accountable and I take full responsibility.I also understand when people read this kind of stuff they intend to believe what they read first so I guess I have to deal with that too. Sometimes I wish what people accuse me of was true I really would be so far ahead. I am struggling just like everyone else. Once again I just have to put it in God's hands I am not what these attacks say I am but it does teach a powerful lesson.
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#6 Consumer Comment

Angelo Moe

AUTHOR: Shelly - (United States of America)

I also have been ripped off by Angelo Moe. In 2006, he said that he could be my loan officer for an investment property, well to make a long story short, my investment money went to him. He did not pay me all of the money for the property from the seller.

Mr. Moe also used my information, i.e., social security number to obtain a line of credit. He transferred $36k into his personal bank account. Needless to say, the line of credit was not paid and my credit was screwed. I ended up filing a lawsuit, but everytime I attempted to have him served, he would move. I looked on the dekalb online judicial system and contacted a couple of people. He is robbing Peter to pay Paul. There are others that he has done this to.

I was shocked to see this post about him. He is still doing the same thing, but call himself a pastor...I still have not found this guy. If anyone has any information on him, please contact me!
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#7 REBUTTAL Owner of company

Who Is This, Are you Operating with Integrity?

AUTHOR: Angelo Moe - (United States of America)

I am only writing a response to this because my name means alot to me. First let me say I don't know who this is and the only reason why I know this is because one of my agents referred a client to me and told the client to go to my website and this came up.

Well first let me say this, if you operated with integrity and this claim was really true why be anonymous, or say you are from Texas.....I have never done a loan in Texas and most people that come on this site give their name and phone number so they can be contacted. It shows that their claim is legit. Why should people believe you. Who is this?

Secondly, you involved a former church Restoration Christian Center and you put an address and phone number. What does the church have to do with this? Well the church I have not pastored in over two years and the phone number is not the number of the church neither the address. If someone calls that number they will find out, that is not the church number to Restoration Christian Center nor does the address belong to Restoration Christian Center another church occupies the building. If you were a real client of mine you would have my current address to the business and the correct business phone number it is on the bottom of all my emails. No Integrity.

This is a personal attack!

Hard Money Made Easy does charge $699.00 to do a loan and we have refunded people their money if the loan didn't close.The $699.00 covers a preliminary appraisal , pulling of title, and processing of their loan. People only come to me if they don't have good credit, cannot prove their income, or they are just looking for an equity loan. I only do loans on the ability to pay and equity in property. However, I will say I am a broker I can only do what the lenders say I can do. If you goggle hard money you would know this is not a scam. What has happened is these lenders are now charging money to get their money upfront anywhere from 10k to 25k not all lenders but most but they don't tell you this upfront. This cannot be a scam because you can goggle Transactional Funding and find out there is 100% financing but even these lenders are charging money upfront. I must admit I must do a better job in communicating.

If a loan does not close most likely it is due to upfront charges or the lender did not feel the value was correct.

This is not the way to handle this. Please know I want to refund anyone that has not closed but the information written is just not true. Hard Money Made Easy has closed and will continue to close loans and is willing to provide attorney info and realtors that Hard Money Made Easy has closed with.

Hard Money Made Easy is currently refunding anyone who didn't get their loan closed. It is my prayer that whomever you are you contact me and we can get this resolved. I understand disappointment. I also understand what it feels like for someone to attack you based on what was said and that did not happen. This is still not the way to handle this. If this really happened then I would be man enough to beg your pardon but it just didn't happen like this. But I am still apologetic because it had to come to this. Please forgive me.

Thanks
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#8 Author of original report

Hard Money Made Easy/ Pastor Restoration Christian Center

AUTHOR: Anonymous G.A. - (USA)

This man is now doing something new insurance, who knows who is losing their money to this new scam.
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