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Report: #377735

Complaint Review: Quicken Loans - Livonia Michigan

  • Submitted:
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  • Reported By: Denver Colorado
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  • Quicken Loans 20555 Victor Parkway Livonia, Michigan U.S.A.

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Please be aware that Tiffany Rodda, Quicken Loans (Livonia, MI) told me that I was her "new client" because my two mortgages (Sallie Mae's) had been sold to Quicken Loans. Please be aware that Tiffany went on to state that in the near future, that they, Quicken Loans, would be the only place I could get new loans (mortgages) and that Quicken would be my lender for life. Tiffany then went on to state that she was aware that I had a mortgage in a declining market and she was there to help.

I told her I was not her client, that I had not contacted her nor requested her services. I told her I was suspicious of her phone call and that I found it predatory in nature, particularly given all that had been going on in the financial sector. I told her I didn't need her help, that I didn't want her help and that I had no plans to refinance my balloons - that I was trying to sell one of the properties and that I was considering paying off both mortgages in the next month.

She was exasperated and said, "why would you EVER pay off your mortgages"? Because I can, I said.

She then launched into another sales pitch and I hung up on her. I then googled Quicken Loans and found the Ripoffreport.com website where I've seen several complaints. I also checked the Better Business Bureau in Michigan and found 98 complaints in 36 months about selling practices.

Just know that my banker and mortgage broker have both assured me that Quicken Loans is not going to be the only game in town, and that many banks will continue to write mortgages but with tighter terms than in the past - a very good thing given the meltdown in the mortgage market thanks to predatory lenders.

Skigirlvail
Denver, Colorado
U.S.A.

This report was posted on Ripoff Report on 10/01/2008 03:05 PM and is a permanent record located here: https://www.ripoffreport.com/reports/quicken-loans/livonia-michigan/quicken-loans-high-pressure-selling-practices-livonia-michigan-377735. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
0Author
20Consumer
1Employee/Owner

#21 Consumer Suggestion

Skigirlvail has every right to file a ripoffreport as long as the info given is fact

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

POSTED: Monday, November 17, 2008

Tiffany, I don't see where the lawsuit you speak of is? Seems Skigirlvail is stating a phone call you made to her (unsolicited). You admit in your post you did call her as she states in her post. Also you statement "I was one of the top producers of my sales team..." speaks loudly. You must be an aggressive seller to be a top producer.
Your statement the post has cost you three job interviews is ludicrous! Do you really expect us to believe every employer you apply with goes straight to ripoffreport to search for your name before making a decision to hire you or not? There appears to be more to your job seeking then your saying.
Also, you try to gain sympathy by stating you are a single mother needing the employment but at the same time say the $100.00 you would receive if you could 'seal the deal' is not important to you? If I were a single mother without the support of anyone else that $100.00 would be bery important to me. As a matter of fact I would be very aggressively trying to secure as many of those $100.00 as possible!
Why not just admit you made a mistake and was only trying to support yourself and your child by securing the loans as hired to do by the company you worked for. I think you would receive a lot more of the sympathy you seem to be seeking here!
Why would a single mother resign her job without having another job secured first. After-all a single mother has a child to provide for. No, I think there may be much more to this story on Tracys part.

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#20 UPDATE EX-employee responds

Congrats Tiffany

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

POSTED: Monday, November 17, 2008

Congrats on no longer being a slave to the dysfunctional Quicken family. I am sure you enjoy being able to spend some time with your child again. Also, you did not do anything wrong in this case. The problem is, when you work for a crooked company, you will be lumped in with them. There are many good people that work at Quicken, but like yourself, they do not work there long. It is important to sacrifice your family and health to live an artificial life for the good of the company. This means abusing your body with Red Bull, cocaine, pills, etc... so you can tolerate their dysfunctional circus-like atmosphere. You will not last if you put your family above making the greedy scum at the top wealthier at your expense. I have been away from that disgusting experience for over a year. As time wears on, I laugh at the environment. But when I really think about what goes on there, it is very disturbing. Once again, congrats on escaping the cult.

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#19 Consumer Comment

I dont agree with mentioning an individules name but the company they work for is fair game when they have abused there position

AUTHOR: What A Mess - (U.S.A.)

POSTED: Friday, November 14, 2008

You are a fierce defender of quicken loan I see , you point out how many people they help and I'm sure they have but can the ones they havent be ignored as if our lives our any less valuable Im not talking about no being approved for a loan
that's understandable but being approved for a loan that will destroy your life in our case is unexusable ,we provided our bank statments our w'2s paystubs and truley believed we would be able to refi into a 30 yr at anytime without
a problem out of a 7 yr smart and a 30/15 clealy tempory loans these 2 loans were said to be just a bridge to loosen up some income to pay down some debt in fact our loan officer had a simular product herself nothing to worry about i trusted her finacial advise after all Im a consumer not a lender yes i know what we can afford
and our credit score speaks for that when we relized this past may that these loan are dangerous with the adjustable rates ect. it was in our best interest to get into the 30 yr fixed it was at that time we were told we do not qualify for it and after searching endlessly and being taking advantage off by nermouse mortage brokers we are not going to be able to refi at anytime based on income I went back to quicken loans and found out they double the income and added assets we didnt have hmmm. they said it was a stated loan and that we must of provided the amout to qualify for the loan how would so on top of the fraud they commited they are the worst in telling me I lied imagine that knowing i would refi to a secure 30 yr for this house we built ourselves lying about the biggest thing to keep us here Im sick to death I dont sleep I spend hours and hours everyday worrierd and trying to get someone to listen to me and pray for help . the loans where transfered to a new bank the very next month we signed the docs quicken dumps all there loans or most of them is my understanding good thing for them or they would bankrupt like alot of the others I see wamu suing over very poor underwriting and they want quicken to take back these subprime loans I WANT QUICKEN TO TAKE BACK MY SUBPRIME LOAN TOO I feel that I was milead and taken advantage of and lied she acted like a friend I trusted her to put our best interest first there was never a questioned we would be back to refi into a 30 the loan she did has a baloon feature and the first an adjustable at one point a 30 yr fixed based on 5.50% was 60 more a month then these 2 toxic loans and they wouldnt refi no our debt hasnt changed they cant base it on that so what then oh yes he makes 45000 a yr not 75000 Lets look at it this way if i was gonna falisify our income why wouldnt i say we made a 100,000 a yr to get more money out to pay off those credit cards and all the debt and come to think of it if we made 75000 a yr why would i take out an interest only loan i surely could afford to make the princible payment as well. Thanks to all for reading praying I will find an answer soon and sell the house is not going to do!

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#18 REBUTTAL Individual responds

Here's the truth...if you're capable of actually accepting it.

AUTHOR: Evolive? - (U.S.A.)

POSTED: Thursday, November 13, 2008

This is Tiffany Rodda, and I am no longer an employee of QL as of last month, due to resigning for personal reasons. And for complete protection of my personal integrity...you are more than welcome to contact me personally in confirmation this is truly me on my personal cell phone (480) 284-3433.

I have to start by saying, Skigirlvail...you are blasphemous and so inappropriately wrong to slander my name without even having the decency to think about your actions first...but I will not stoop to this level and blast your personal name out there out of Christian/Moral respect...and I will even extend the truth that I UNDERSTAND where you're childish actions came from. I truly do understand that American's everywhere do not truly understand how this whole mortgage/and industry work...and I agree with your skepticism towards "random" contact from a stranger claiming knowledge of your personal information...especially given a very fragile circumstance with your bad mortgages that were sold to you not by quicken or myself. I would certainly question the validity of something I was suffering in too...and I'm not angered or bothered by your lude and viciously unnecessary attacks.

Let me remind you, all conversations are recorded at QL, and I can confidently say, if you heard that conversation again, and heard yourself...given learning who I truly am...I'm embarrassed for you...but again, I completely understand. What you don't know is the following:

Sallie Mae Home loans was in fact purchased by QUicken Loans. So yes, your information and mortgages sold to you by Sallie Mae some odd years ago was bought...that happens every day in the business world, it's called corporate profitable acquisitions. And my purpose of calling you was to help you...not sell you on anything, not pressure you...but to actually reach out and offer a truly honest and helpful hand, whether it be with just basic information for yourself to help you understand and protect yourself with the circumstances...or whatever. But I'd like to kindly remind you of how rude you were to not even allow me to express, explain, heck...get a single word in edgewise...for you to not jump to your own conclusions and create a completely false understanding of what really happened.

As a matter of fact...I'd like you NOW know, as soon as I hung up the phone with you...do you recall the kind email I sent you...trying to reach out to you yet again, as a damaged-hearted and beaten dog in a pound, I was simply that person trying to tame you're vicious verbiage and calm your fears as I was truly there to help you...whether you ended up getting a mortgage with us or not! And never bothered you again. So I'm not sure where this High-pressure selling comes into play with a less than 2-min. conversation took place.

I called over to our President's office to inform them of the completely horrible outcome of a call that went far south for no reason. Concerned about not only your circumstance but also the integrity and reputation of the company which I still to this day defend...I was still concerned about you...the client, the person, the human being that was falsely angered.

I was one of the top producers of my sales team...and ironically enough, where I felt that I'd felt short in the "company's eyes" was that I wasn't more efficient with my time...I could produce so much more if I didn't spend so much time with clients I couldn't help. How funny...an actual person working for a company who truly does put the client and person before the dollar. Let me also extend the truth of...Bankers get paid a very ridiculous amount of money for obtaining and closing a mortgage...a whopping $100!! for 30-45 days of work. That's certainly something worth hard-selling for huh!?! I didn't work there for the money - which was obvious...being a single mother, struggling herself...I did it because I truly was great at my job (not selling - but really helping individuals) and did it for the fact that I help families make it out of a really hard circumstance...while saving from some other sleazy bank/banker to take advantage of them.

You want to know who I am...call Quicken Loans and ask someone who worked beside me...ask for letters or calls from my clients that actually entrust me enough to give me a power-of-attorney to make decisions for them on their mortgage and send every single person in need of assistance with understanding their mortgage.

I understand you were taken back and skeptical of my call to you...but please come to your senses and realize you may be unleashing the straw that broke the camel's back on a very innocent person who still is very sympathetic to your situation. I truly hope you find an honest a reliable resource in all avenues of your life that need counsel. I'm sorry to have frightened you to the point you've gone in smearing my good name for no good reason. I have already forgiven you, and I know it is not directed to me personally, there's not warrantable way.

I write this with tears, as it's very difficult to really do the right thing, and have something like this happen to you. I'm not saying I was right or wrong...actually, I was only doing what I was informed of as true...and I am regretful for the outcome. But Quicken Loans is a great company who does help thousands of people and families every day. Yes, just like anything in this universe...there are some bad experiences and apples in everything as big as QL...but the number of positive and great things the company has done for it's clients far out-weighs the contrary. Do you truly think such a scandalous organization would have the accolades for 25 yrs as this one and get away with it for that long? Let's be realistic...I'm not saying that QL is the end-all/be-all...and I have my own personal gripes...but not the audacity to throw the whole company under the bus undeservingly due to my little fraction of upset.

I pray for you, and that your mortgage/financial situation is blessed and taken care of...and I'm again, very sorry for the upset created in my simple call to you to let you know I was there to help if you needed it...but never got the true opportunity to get that point across over your truly rude demeanor and interrogation. I'm not sure how far I will go to rectify my slandered name...because of your false allegations, I have lost on 3 job opportunities and I sit here a single mother, unemployed and in very difficult circumstances...but I know I will be okay, as God is in my corner and he looks out for His...but how much further this goes, I unfortunately may have to seek legal assistance with this, as I TRULY will not go to revengeful stakes...PLEASE UNDERSTAND, I am not here to seek revenge or anything...I just cannot afford to lose so much over something false. I hope whatever you needed to relieve yourself of with doing this has been accomplished...because I can't have this take any more away from me.


Please rectify this as soon as possible...and I truly do welcome you to contact me personally, as I'd love to personally apologize and explain what truly happened to you outside of my employment there and the possibility of feeling like a threatening environment.

For everyone else. Quicken Loans is a great place not only to work, but to also obtain a mortgage...when a company is that large and produces that much, of course there is going to be "bad-media"...that's all you ever here about, think about it. Just keep in mind, let your own discovered facts lead you towards the right feelings and actions you decide to take before being led by someone else's potentially skewed understanding.

Skigirlvail, I wish you the best and hope to hear from you...everyone else, feel free to contact me with any further questions/comments, and I would love to help in avoiding anyone limiting themselves to something truly of value due to a false understanding.

Thank you for your time and God bless.

Sincerely,

Tiffany Rodda

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#17 UPDATE EX-employee responds

Thanx for Your View Dan!

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

POSTED: Monday, November 10, 2008

Nice speech to keep your sheep working 7 days a week for less than minimum wage

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#16 UPDATE Employee

stop belly aching cry baby

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

POSTED: Sunday, November 09, 2008

Time to step up and get real- all of you. I challenge each of you to just go do your thing and get a grip on reality. All these cats on here talking about how they were offended or how they still got their unemployment after leaving quicken. Thats a badge of honor? There is too much in life to do besides trying to get even with someone who called you and tried to sell you into a mortgage or who wanted you to work on a weekend. SO WHAT! hang up the phone and move on or get a new job. If you work there for 1 week and it doesn't feel good or fit your personality- get out. Don't stay for a year and then leave and complain about it. That is stupid. I have seen lots of nonsense and madness there and in traffic and in life. I know that there is no perfect job except maybe being a video game tester or the quality control person at budweiser but ultimately we will be forced to work, to pay taxes, to vote for leaders that we don't like (because we arent willing to run for office ourselves) so the only person we should blame is that one in the mirror. Who told you that working at QL was going to be 9 to 5, or even easy. If anything, it was explained to me that I would have to put in 6 days a week for the first 18 months and that I wouldn't make squat for the 1st 6 to 9 months. But if I stayed steady, checked my voicemail in the morning and at night, and if I did my best to be reasonable to each client, I didn't have to be awesome and I would succeed. In sales, I have been told no, rejected, cursed at, complained to and many times felt angry and spiteful towards clients and leaders. But I waited and stopped to think before acting, this way, I don't react and curse at a client, or blame someone else for failure to accomplish a task. I am not sure when at Quicken or in America that people felt entitled to get anything in life for free or that rights were violated. This isnt youth soccer- everyone doesnt win. This is America and capitalism, darwinism, and it isn't always fair or right and thank heavens that there is still a place that if you are good at something, you will get compensated accordingly, because flat out- if you are good at sales, Quicken isnt the only game in town, if you are truly good, you can get it done anywhere and under any circumstances. If you are marginal or average, you may fail and your failure may cause bitterness because you may be smarter than that person who is more successful than you. It has always baffled me that there are people in every facet of sales, and at QL that aren't very bright, about simple things like geography, or they don't understand how to boil water, but they can sell and clients love them and I have watched smart people over think it and fail- it is frustrating. There will always be bad apples, just like bad leaders and politicians, but if nobody wants to step up and get real about making a change, I would tell to you that complaining about it won't do anything. Either way, someone will say I work there and blah-blah, and how I am a dolt (whatever that is) All I know is one day you might need a kidney, a root canal or your kids might be sick, and I hope you have health insurance to cover it because unemployment doesn't cover it after cobra expires after 30 days champ. So, get back out there and get a J.O.B. No need to brag about sticking it quicken about how you still got your 50% of 24k for 6 months, that would be 6000 for 6 months- that would be 26 weeks, 230 per week, and no benefits. I guess you showed em guys. I will be working 7 days a week if my leader asks me too- I will resign 7 when I stop writing loans and stop getting paid. I will work 16 hours a day if it takes that long to get it done and if I cannot get it done- I will bow out gracefully and walk away with my dignity and my ego in tact. I sell- thats all I do. its not for everybody, just like parenting or skydiving, there is a lot of risk with all that stuff. Go get yours!

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#15 UPDATE Employee

very sad

AUTHOR: Real World - (U.S.A.)

POSTED: Sunday, November 02, 2008

Mortgages are sold every day and most mortgages that a client have on thier home will be sold 2-3 times. If I were Tiffany Rodda and this person that blasted my name on the web was not true. I would hire a lawyer and file a law suit.

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#14 Consumer Comment

New Kid on the Block is an ignorant idiot

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

POSTED: Friday, October 31, 2008

New Kid is obviously an uneducated dolt. The purpose of this website is to report fraud and ripoffs. If the offending person/company has been given an opportunity to correct the offense and bring closure to the issue then there should be an update to indicate such.
There is no place in business for dishonest/deceptive practices and this forum is a good place, amongst other blogs, to call out the fraudulent perpetrators. I absolutely agree with naming the offender as well as all contacts associated with trying to rectify the claim.
There is never a problem when you tell the truth.

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#13 UPDATE EX-employee responds

Hey Newkidontheblock

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

POSTED: Monday, October 27, 2008

Please dont call this person out about not giving their real name, just look at your post name as well.

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#12 UPDATE EX-employee responds

I GET IT - SO SHOULD YOU!

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

POSTED: Tuesday, October 21, 2008

Hey people - if there were more people like this consumer who wrote in and squashed the fear tactics of one Quicken Loans - checked them out thoroughly and made the decision NOT to even give them the time of day - we'd all be in better shape today.....I don't think it's ever wise to point out an employee by name - after all - they are merely robots regurgitating what Napoleon himself wants them to say......let's face it though - there are HONEST ways to solicit for business - and Quicken doesn't know a single one of them. I am an ex employee myself, originally brain-washed into thinking that only Rock/Quicken can close loans...and I'm here to tell you, some 11 years later, that I am now a licensed broker (and contrary to the other idiot post the term broker did not go out with the 80's).....making an honest living - still viable and you may wonder why?? Emphasis on the HONEST. Rock is a joke AND they are ripoffs - so is Quicken and the sooner there are more reports like this the better off MIchigan and the rest of the mortgage industry will be!!!!!!!

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#11 Consumer Comment

I see her point

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

POSTED: Tuesday, October 14, 2008

I am not understanding YOUR point and why you are ripping this person so bad.

Her point was pretty clear. Quicken claimed they were the new owner of the mortgage which was a blatent lie. Thank goodness she was dilligent and looked into it before just taking them at face value and signing papers that probably would not have been in her best interest.

Do you work for Quicken or something that you got so angry and nasty at a very clear and well detailed report? Maybe you should take some the suggestions you gave her.

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#10 Consumer Comment

I see her point

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

POSTED: Tuesday, October 14, 2008

I am not understanding YOUR point and why you are ripping this person so bad.

Her point was pretty clear. Quicken claimed they were the new owner of the mortgage which was a blatent lie. Thank goodness she was dilligent and looked into it before just taking them at face value and signing papers that probably would not have been in her best interest.

Do you work for Quicken or something that you got so angry and nasty at a very clear and well detailed report? Maybe you should take some the suggestions you gave her.

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#9 Consumer Comment

I see her point

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

POSTED: Tuesday, October 14, 2008

I am not understanding YOUR point and why you are ripping this person so bad.

Her point was pretty clear. Quicken claimed they were the new owner of the mortgage which was a blatent lie. Thank goodness she was dilligent and looked into it before just taking them at face value and signing papers that probably would not have been in her best interest.

Do you work for Quicken or something that you got so angry and nasty at a very clear and well detailed report? Maybe you should take some the suggestions you gave her.

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#8 Consumer Comment

I see her point

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

POSTED: Tuesday, October 14, 2008

I am not understanding YOUR point and why you are ripping this person so bad.

Her point was pretty clear. Quicken claimed they were the new owner of the mortgage which was a blatent lie. Thank goodness she was dilligent and looked into it before just taking them at face value and signing papers that probably would not have been in her best interest.

Do you work for Quicken or something that you got so angry and nasty at a very clear and well detailed report? Maybe you should take some the suggestions you gave her.

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#7 UPDATE Employee

I am sorry - I did miss your point

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

POSTED: Tuesday, October 14, 2008

So, what is your point? Somebody got your email address? yeah, boo!
That's scary. I recieved a coupon in the mail from a carwash that I have never heard of before too. That is scary, I cannot believe that they want my business. Here is what is scarier, some $7 an hour clerk has access to all of your personal and financial information. Here is where they work:
-The local blockbuster video
-The local oil change shop
-The local dentist
-The local urgent care center
-The local library
-That person that disappeared in the back room the other day with your credit card information at Ruby Tuesdays.

So, yeah, I did miss your point. Maybe you are just venting and you feel its ok to throw somebodies full name out on the internet. You are that angry? Who hurt you? Who cut you off in traffic today? who crossed you? bottom line is that you had no right to do that. For the record, I think its funny to read these posts and even respond. So- skigirl, enjoy your winter.

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#6 Author of original report

Rebuttal

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

POSTED: Tuesday, October 14, 2008

Thank you for your dissertation. You missed the entire point of the post. Let me make it clear. Folks, at companies, like the ones reported, are not being honest.
Quicken Loans did not "inherit me" as a client because both mortgages I have (yes I have two homes, sorry) continue to service my mortgage. In plain English for you, I have a customer service representative at both companies that I can call.
So, again, Quicken Loans did not inherit me. They bought my name off a list.

But even more frightening, is that my work email address was never used as a contact email address. That, in plain English again, could constitute a violation of privacy. How in heaven's name that email address was obtained is frightening.

And, last but not least, the use of fear in this new economy and marketplace is not good business practice. To be told that I will not be able to get mortgages anywhere else is ludicrous. To be told that Quicken Loans ,because of their relationship with SallieMae (typically student loans but they do have a relationship with Quicken for mortgages), would be the only place most people could obtain a mortgage is an out and out lie.

Yes, the woman mentioned is only doing her job. However, if you researched Quicken Loans on this website before you wrote your post, you would see that the company's reputation is scary, at best.

Again, the purpose of this post is to let people know that Quicken Loans is preying on those with fear and high pressure.

Hiding behind email just like you

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#5 Consumer Comment

TO Skigirlvail

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

POSTED: Friday, October 10, 2008

I agree you are sad lady and also a C**T...

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#4 Consumer Comment

TO Skigirlvail

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

POSTED: Friday, October 10, 2008

I agree you are sad lady and also a C**T...

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#3 Consumer Comment

TO Skigirlvail

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

POSTED: Friday, October 10, 2008

I agree you are sad lady and also a C**T...

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#2 Consumer Comment

TO Skigirlvail

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

POSTED: Friday, October 10, 2008

I agree you are sad lady and also a C**T...

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#1 UPDATE Employee

Quicken Loans High Pressure Selling Practices Livonia Michigan- really?

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

POSTED: Tuesday, October 07, 2008

OK- Ms. Colorado? is it ok to name drop about some banker who tried to provide you a mortgage. So what, this person tried to persuade you to do something and you said no. Thank goodness for Freedom of Expression- you made a decision. Predatory Lending by nature would be identified if someone took advantage of you, nobody took advantage of you, a loan can be very complicated. Everyone should have someone that they get advice from and always seek counsel before making a decision. Most lenders including Quicken are held to pretty stict laws and guidelines. You contacted the better business bureau, good for you. Did you give them your real name, did you win the prize at the bottom of the cereal box? obviously you are a very insecure and sad person to have to put somebody's name on the internet and act like you are somebody special because you claim to be able to pay off your mortgages, sure, thats what you were going to do, right?. Good for you- congrats. Maybe next time you shouldnt be a coward and give your real name. But hey, why not hide behind the internet. most of the people on this site go to bed every night hoping for something better and wishing ill will on others because they want people to pay because they have no real life and they live behind a keyboard. I got some advice for you coors light- get a life and get real. stop smoking, start working out- call your mother and tell her you are sorry and that you forgive her. Just let it go. You can do better. Dont blame others for your failure. Its not your fault. and by the way, if you had a banker and a nobody has a "broker" that term left with mike milken and the 80's- but if you did have a banker, you wouldnt need to go online to look for a friend or a loan. get real. But hey, atleast "tiffany" called you and tried to get business. In this country where people don't even want to get out of bed, you are knocking her for trying- you are a sad-sad person. Good Luck.

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