Report: #122414

Complaint Review: Wes-State Mortgage/National Homeworkers Association

  • Submitted: Sat, December 11, 2004
  • Updated: Thu, February 03, 2011
  • Reported By: Racine Wisconsin
  • Wes-State Mortgage/National Homeworkers Association
    1450 W. 7th Avenue, Eugene, OR 97402-4424
    Eugene, Oregon

Show customers why they should trust your business over your competitors...

Wes-State Mortgage/National Homeworkers Association, "Home Business Directory" has several companies that Rip Off Reports have listed as home business scams. Eugene, Oregon.

I received in July a copy of the National Homeworkers Association's "Home Business Directory", with 111 home work opportunities. Wes-State Mortgage is the parent company for the NHA. I was interested in marketing these catalogs to the public, since NHA claimed that "they have weeded out all the frauds, and only publish true genuine oportunities for home assembly work." They listed 12 companies that had at least one complaint of scams from consumers, as sent to Rip Off Reports. These include Excel Communications, Specialty Merchandising Corporation, Creative Amusement Service, and Cottage Industries, which had several entries each.

I have long passed the 90-day trial period, so my $45 for the information will not be refunded. I finally discovered your website last week, so I decided to see how accurate Wes-State/NHA's claims of dilligent research were. I was a little disturbed that they included Excel, because i was a Rep and phone customer for over a year. Excel was a definite rip-off, a company which only makes the top honchos rich, and which it took several months and a credit agency to finally get them to stop sending me phone bills, long after I had dropped their overpriced phone service.

Also, Wes-State makes a lot of bold claims for the profits from selling these catalogs, as much as $56,000 per month! they are noted for their "no money down" real estate,money brokering, and discount mortgage programs. They are a member of the Eugene Chamber of Commerce, and on Dub and Bradstreet. My main concern is with a catalog that claims to be thoroughly researched, with companies that NHA says are credible firms that they have had good relations with over their 15 years in the business.

I urge Rip Off Reports to check into Wes-State and the NHA, to see how many complaints about these programs have surfaced over the years. I have definitely decided not to market this less than accurate catalog, because I don't want to deceive anyone into any scam "businesses" that will only make them poorer. Thank you for your excellent service, it is much needed!

Racine, Wisconsin
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This report was posted on Ripoff Report on 12/11/2004 08:49 PM and is a permanent record located here: 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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#1 Consumer Suggestion

Not pulling anything, straight from the BBB

AUTHOR: Chris - ( )

Well, I'd do a copy/paste from the BBB, but this form won't let me do it, or it's clunky and the instructions on the bottom don't work right.

Suffice to say, the BBB gave Wes State Mortgage and "F" rating. I'd cut/paste the BBB link, but for whatever reason this form won't let you copy/paste.

How primitive. Just check out Wes State Mortgage, Oregonon the BBB and don't take my word for it.

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#2 Consumer Comment

What are you trying to pull?

AUTHOR: sotrue - (Virgin Islands (US))

That so called quote from the BBB is a boilerplate warning about business opportunity listings in general.  It is not the BBB report on the company Wes-State.  Why don't you quote their Wes-State report?
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#3 Consumer Comment

What's a good company?

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

Just because a company returns your money within a stated period of time, doesn't make them a great company. They are simply running a great scheme. It's just like company that sell stuff that is FREE AFTER REBATE. Meaning, if you buy the thing and comply with the rules of the rebate, you get your money back. These companies count on the statistically proven phenomena that a certain percentage of consumers will never comply with the rebate. That percentage of the failed rebaters is enough to make the company profitable. Take this envelope stuffing scheme. It wouldn't matter if you were pouring sand into envelopes and mailing them all over the country. If no one buys your sand ad sends the compay $35, then you won't get your $5.20. Well maybe sand would be too obvious a SCAM, so lets google a bunch of work at home companies and put them in a half decent looking book. Just enough info for you to waste your time while the 90 day clock ticks away. Well by the time you've figured out that your product is worthless, you have precious little time to comply with the refund requirment. The first poster on this thread said "i'm way beyond the 90 day return period now". That's exactly what they are counting on. Anyone can setup a business based on this scheme and make a profit and give back any money to those who make it within the turnaround period. But, would you be able to sleep at night knowing you are defrauding people? I think not. And if you can, then you are a lower life form.
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#4 Consumer Suggestion

To anyone with doubts this IS A SCAM!!

AUTHOR: Mr Smith - (U.S.A.)

Anyone that has anything good to say about this company, Works for them.
Don't believe them and don't get ripped off.
Something really should be done about these crooks that take advatage of people when all they want is to make a buck buy actually working for it, not by scamming unaware victims.
Below is directly from the BBB. Please read on unless you like to give your hard earned money away.

Every day, ads for work-at-home jobs appear in newspapers across the country as well as in national magazines, on the Internet, and on signs posted along the roadside. Some of the offers include stuffing envelopes, assembling products, reading books, reviewing movies, medical billing, or selling advertising on the Internet.

Work-at-home companies often target the most vulnerable, those who can least afford to lose the money. The Better Business Bureau suggests using extreme caution when responding to any such offer. While ads claim high earnings and short hours with little or no experience, BBB files indicate no evidence of anyone making the promised money. Rarely, if ever, are these ads an offer of legitimate employment. Generally, these "jobs" require up-front fees for information or supplies, and only the people who run the ads make any money.

In response to growing concerns about an industry that regularly tops the list of types of businesses generating the most inquiries to Better Business Bureaus, the Bureaus in cooperation with the United States Postal Inspection Service, conducted "Operation Job Fraud." Bureaus shopped and investigated more than 100 work-at-home companies. The results of the investigation continues to support evidence that little or no money is made. In fact, more money is paid up-front than will be made doing the advertised work. Work-at-home deals are "too good to be true."

Operation Job Fraud's mission was three-fold: to alert the public to work-at-home schemes, expose these practices and operators that deceive and rob the public, and help law enforcement in criminal prosecutions. Information gathered was shared with the Postal Inspectors. The public should be aware that they risk investigation and possible prosecution by postal or other law enforcement agencies if they become involved in one of these schemes.
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#5 Consumer Comment

Wake up!

AUTHOR: Phoenix Daniels - (U.S.A.)

Not all business opportunities are for everyone, for starters you didn't turn the information in on time so that's why you didn't get your money back. Second Wes-State Mortgage/National Homeworkers Association is a very good and honest company, instead of going behind a company's back and saying things bad about them you should contact the company directly and notify them of any problems you may have. Putting bad posts on the internet not only makes the company look bad, but makes you look like a snitch in the fact that you talk behind the backs/scenes of someone or a particular company. Bottom line this company is widely known and from my experience I have seen them do nothing wrong. The staff is very friendly and they treat you like family. Before you purchase a business opportunity, instead of rushing into it, why don't you learn more about what you are going to be doing and address any concerns with the company in question. Thank you.

Independent Contractor
National Homeworkers Association/Wes-State Mortgage
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#6 Consumer Comment

try the bbb first.

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

hello,my name is the couchpotatoe, i just recieved the order form from,the national homeworkers association(wes-state morgage)and the first thing i did was to go on the bbb website and check them out. there are two listings with the same information. the first has had 3 complains in the past 36 months, which to their credit the bbb has been involved through the proccess, 2 of the 3 have been resolved ,but, the consumers who innitiated the complain have fail to follow through, while the second company has had 0 complains in 36 months. to the person who bought the list, when you decide to post the information, hit me up and let me know, like you i feel , whats good for the goose......i hope that this post has given your readers another side to this story and maybe and maybe the next time you have a few bucks burning in your pocket, they might be worth spent elsewhere. chao
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#7 UPDATE Employee

Wes State Mortgage

AUTHOR: Bob K. - (U.S.A.)

Wes-State Mortgage which has been in business for over 30 years does offer a 90 day no questions asked money back guarentee for any of our programs. If you have any questions or are in need of help with the programs you also receive free lifetime support. The National Homeworkers Association's Home Employment Directory lists many work at home offers. If we find a company that is dishonest we will delete them from the directory.
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#8 Consumer Comment

Stop Whining

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


Having ordered hundreds of alleged business opportunities and get rich quick schemes, I ordered the Loan Broker program from Wes-State Mortgage and found it to be everything they said it was. It to date is the only true and honest program I have found. Thanks to Wes-State, I now have a successful business of my own brokering loans. You shouldn't blame Wes-State because you did not return your items within the guaranteed time. If you weren't happy with what you received from them, I know they would have returned your money. I highly recommend Wes-State as an honest and reliable company.
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#9 Consumer Comment

Returned product, got full refund.

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

I ordered the Wes-State "Money and Loan Brokering" program a couple of months ago. This is the program that teaches people how to find people who need business loans, find a lender, and receive a percentage of the loan amount.

After receiving the program, and looking through the contents, I decided that since the business plan was already in use by hundreds of people in the Los Angeles area, that the business wasn't for me.

I called their customer support number, and instantly got a real-life person on the phone who gave me specific instructions and an address for returning the package.

I returned the package USPS Parcel Post (I put it in a box instead of back in the envelope), and insured it for its $195 value. A few days later, my credit card showed a full $195 refund.

Although the product was not my cup of tea, Wes-State's staff was very helpful in directing my return effort, and was prompt in refunding my money. In those respects, I have found that they are a class-act, and if I find opportunities with them that sound more appropriate for my situation, I will likely do business with them again.

I say go ahead and give them a chance.
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#10 Consumer Comment

Is this the same company?

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

Hey Keith;

Are you talking about wes-state mortgage, Inc. they advertise heavyly and I read in many other sites that they are a reputable company, could you please give more details, I am saving to buy several of their reports...

Please Respond
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