• Report: #1129888

Complaint Review: James Sinclair & Associates

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  • Submitted: Tue, March 11, 2014
  • Updated: Tue, March 11, 2014

  • Reported By: George — Palm Beach Gardens Florida
James Sinclair & Associates
264 S. La Cienega Blvd. #342 Beverly Hills, California USA
  • Phone: 310-461-9557
  • Web:
  • Category: Loans

James Sinclair & Associates - James Sinclair - Beverly Hills, Ca. presented themselves as a legitimate lending resource...charged a $275 processing fee...at the last minute, changed the terms of the contract Beverly Hills California

*Author of original report: nice try, James

*REBUTTAL Owner of company: James Sinclair & Associates Rebuttal

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I attempted to use James Sinclair's lending service to purchase a home..he requires a $275 processing fee before the process can begin...paid the fee...loan was for 175k...put up 450k in collateral...two days before the closing, he changed the terms of the agreement to require a 35k down payment and he was still going to charge his points and interest on the 35k down payment...we were being required to pay points and interest on our own money!...and he conveniently didn't reveal this "change" until 2 days before the scheduled closing date thinking we would be "stuck" and forced to accept his terms...who in their right mind would pay points and interest on their own money?

This guy is a total scam and almost caused us to lose our deposit...we had to get an extension on the closing in order to make other financing arrangements. Stay away from James Sinclair & Associates!


This report was posted on Ripoff Report on 03/11/2014 11:33 AM and is a permanent record located here: http://www.ripoffreport.com/r/James-Sinclair-Associates/Beverly-Hills-California-90211/James-Sinclair-Associates-James-Sinclair-Beverly-Hills-Ca-presented-themselves-a-1129888. 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 0Consumer 1Employee/Owner
Updates & Rebuttals

#1 Author of original report

nice try, James

AUTHOR: George - ()

"he only received a proposed loan package"...it's 2 days before the house closing!....when were you planning on sending the REAL loan package?

"he refused to put any funds down"...as I explained to you MANY times, it wasn't the down payment that was the issue...it was the fact that you were still charging points and interest on the down payment...on OUR money!  who in their right mind would do that?...and what kind of legitimate lending service would ask the consumer to do that?...and bring it up 2 days before the house closing...only a SCAM artist in my opinion!

100-120% loan?...I was putting up 450k in collateral for a 175k loan...you need a new calculator!

my agenda was to tarnish your reputation?...my agenda was to get a loan...YOU did a great job of tarnishing your own reputation...if you want the reputation of a legitimate lender, you might want to consider telling the truth for a change! 

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#2 REBUTTAL Owner of company

James Sinclair & Associates Rebuttal

AUTHOR: JAMES SINCLAIR & ASSOCIATES - ()

George Zink,

Published this ripp off report to attempt to defame my reputation....

He only received a proposed loan package...

This loan was a purchase... He refused to put any funds down..

He wanted to do a 100% to 120% Loan...

He indicated that he had other collateral, which he never wanted to pull out the down payment for the loan...

He is on an agenda to tarnish anyones reputation that does not comply with the way he wants to do business..

Watch out for GEORGE ZINK from Florida... If he doesn't get his way he will write up a Ripp Off Report about you...

 

Thank you.

James Sinclair

 

 

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