• Report: #939811
Complaint Review:

Marshall, Meyer & Strong

  • Submitted: Tue, September 11, 2012
  • Updated: Fri, January 25, 2013

  • Reported By: S. Decesare — Naples Florida United States of America
Marshall, Meyer & Strong
225 Crossroads Blvd #136 Carmel, California United States of America

Marshall, Meyer & Strong Terry Zisman MISREPRESENTATION-STAY AWAY! Carmel, California

*REBUTTAL Owner of company: Groundless?

*REBUTTAL Owner of company: This is a groundless assassination attempt!

*Author of original report: Very convenient-Selective memory loss

*REBUTTAL Owner of company: Rebuttal

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They portaryed themselves as Actual funders for deals when in fact they simply write a Private placement" for your needs and charge you a $7500 app fee. Had we known they werent making the loan or financial decisions (after all the paperwork and wired funds, we certainly found out) , we would have never wasted my time and money with them. They were not honest with us up front esp due to the fact we were under time restraints. Even the mortgage broker in Miami, a friend of minewho referred them, was in total shock and embararaased about what they did to us.

We filed complaints in California but were told by the State they were NOT licensed in Cali. What?!  We are considering other avenues but they can be avoided if I just received $4000 of my $7500 back to repaay my ederly mother. I am not going away just out of principle. I will cost them 10x that amount in rightfully earned bad press if necessary if they wont do the right thing.

They should be ashamed of their misrepresentation.

This report was posted on Ripoff Report on 09/11/2012 05:58 PM and is a permanent record located here: http://www.ripoffreport.com/reports/marshall-meyer-strong/carmel-california-93923/marshall-meyer-strong-terry-zisman-misrepresentation-stay-away-carmel-california-939811. 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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Updates & Rebuttals

#1 REBUTTAL Owner of company


AUTHOR: S.DeCesare - ()

 I think anyone reading this can see its certainly not groundless. First you claim ignorance, not your claiming a veil of secrecy around me? Can you not read, Sir? Or are you just GrandStanding?  My name and contact info along with most of the details have been laid out for all including you to read.

Incidentily, when we researched MMS at the California State Attorney's Office, we were told they were not part of the California Bar in which they claimed. Matter of fact, they couldnt even tell us they were a registered business in California.

Who is hiding behind a veil of secrecy, Sir?

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#2 REBUTTAL Owner of company

This is a groundless assassination attempt!

AUTHOR: Terry Zisman - ()

There is nothing here to complain about! Is there a specific transaction to contend? Have we taken money fron you, or one of your clients, and failed to perform? Can you specify what we have done to you or your clients that is unethical or illegal?

You, sir, are the scammer!  Coming under the veil of secrecy (whats your last name and contact information) in an effort to sully our reputation is ugly and insidious.  I am taking this to our attorney to see what I can do to deal with idiots like you.

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#3 Author of original report

Very convenient-Selective memory loss

AUTHOR: S. Decesare - (United States of America)

Aw...Mr Zisman...youre hurtin my feelings. I understand. Its easier to just make believe you know nothing about it when in fact I have many emails from you and Randy and I has spoken to you directly twice.

We never saw a website so any "disclosure" or coded warnings were not seen. We, Randy Wilkerson and I, Sergio DeCesare were brought to MMS by a Broker named Osmanny Garcia in Miami and was introduced to us as Principals. Mr Garcia has sinced apologized for the meeting and has pledged a return of our $500 "fee" but has also yet to do that. He too felt they potrayed themselves as the PRINCIPALS in this transaction.

It was always presented that MMS were principals in the matter and it wasnt till AFTER I wired their fee did they disclose they were NOT principals but was going to "put it out to their investors". We were under the gun for time, they knew this and instead of making it clear up front, ( knowing we would seek other financing options) they led us along. To add insult to injury, they also did a poor job of constructing a Private Placement Memorandum whereas my partner and I did most of the work and they simply slapped it together and pushed it out to who, I still to this day have no idea. All for the low low price of $7,500.00

Your response Terry doesnt excuse you from anything
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#4 REBUTTAL Owner of company


AUTHOR: Terry Zisman - (United States of America)

First of all, I have no idea who S. Decesare is.  Our website and broker demand for fees both make it clear we are not the actual lenders. The broker demand states, "MMS principal role in this agreement is that of an underwriter, consultant, and
finder.  All borrowers and/or brokers agree to hold harmless MMS for any actions of lenders/contractors/investors/investor representatives for any representations made by such."
  The website says: "Please note: We are not lawyers, CPAs, Mortgage Brokers,Financial Advisors, or NASD Broker Dealers.  We are a contract underwriting and  processing service with over 24 years of experience in commercial finance. Broker submissions/referrals welcome."  The reason we are not listed under the State of California as a licensed lender is that we are not a lender, as the website stated. We operated as a dba as filed with the county.

As to our refund policy, the letter of intent states, "Once the creation of the financing documents is initiated the Private Placement Memorandum fees are deemed earned and are non-refundable unless it is determined the failure tofund was the fault of Marshall Meyer & Strong in which case the prepaidfees will be refunded to the client.  In the case (I think this is the case as we have never dealt with an "S. Decesare) we made this clear statement in the LOI, "Once the creationof the financing documents is initiated the Private Placement Memorandum feesare deemed earned and are non-refundable unless it is determined the failure tofund was the fault of Marshall Meyer & Strong in which case the prepaid fees will be refunded to the client.  In this case we had commitments for far more funds than any of the other funding sources this client reached out to.  Without notice they cancelled the transaction and demanded a refund.  In our opinion we were performing as stated in our advertising materials and letter of intent so did not issue a refund.  This appears to be the complaint of an under financed entrepreneur who borrowed money from an ailing mother to try to stay in business.  We did not know that.  I say shame on a son for borrowing money from his sick mother!

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