[michaelh]

Mr Bernarsky

You never funded a file I sent you - If you funded a file for Burt that is fine. And why are claiming you found out things after the term sheet was issued. That conflicts with the text you sent and you did not respond to any inquiries for 2 weeks. Your specific txt was " Yes we are still in Business. Just absolutely swamped w submissions. We are not keen on the XXXXX transaction at this time." Too New of a company and to much working capital being asked for." You new the age of the company from the original submission and you knew the working capital request. If You like I can post the 6 unanswered emails and 12 unanswered txt. And you have been working on this file since the Second week of January.

In case your forgot here is the last 2 emails you sent showing you asking for updates on May 14 and they were immediately responded to and then an email from me after no response in 2 and a half weeks On June 3rd and I have sent you 6 emails with no response and txt. And in case you forgot you claimed that you were going to look at the file and send a term sheet and then refused to respond again until today!



From: Stefan Bernarsky
Sent: Thursday, May 14, 2020 2:23 PM
To:
Subject: update

Hi XXXXXX,

Hope you and your family are well.

Not sure if you took another route on your refinancing needs. It seems as though restrictions will be lifting for us on or before end of May in Pennsylvania (we are next to NJ and NY so we are still essentially locked down)

If you want us to refresh your potential deal and prepare to finalize an updated term sheet agreement and find a path towards closing please send:

1) updated AR
2) updated AP
3) update P&L
4) updated balance sheet
5) updated balances on all MCAs
6) updated working capital needs through end of 2020
7) mar, apr and interim May bank statements
8) updated WIP / projections

Looks like we are heading towards a normalcy in our area and can resume normal operations and travel soon.

Thank you XXXXX.

Stefan M. Bernarsky







From: Stefan Bernarsky
Sent: Wednesday, June 03, 2020 4:28 PM
To:
Subject: Re: XXXXXX

I got a long email from her that I remember. I’ll have to go back and check. Sorry we have been absolutely slammed with applications and deals the past 2 to 3 weeks.

Stefan M. Bernarsky
Chief Investment Officer
KANJORSKI PARTNERS, LLC
Cellphone: 570-862-7279
www.kanjorskipartners.com
Financing. Consulting. Investing.
________________________________________
From:
Sent: Wednesday, June 3, 2020 3:11:41 PM
To: Stefan Bernarsky
Subject: XXXXX

What is going on with this file - she said she sent you the updated information and never heard back from you

Thank you for the opportunity to earn your Business!

Sincerely Yours,

[KanjorskiPartners]

Mike,

Again, I am sorry that we declined your one transaction. To set the record straight, we declined the transaction after post-term sheet discoveries that were not present prior to the term sheet issuance. We never engaged for a due diligence fee nor asked for one.

Additionally, you failed to mention in your post that out of the 2 files total that you have historically submitted to us, we funded 1 of the 2 transactions that you submitted via your partner in Money Matchmacker Co Capital. The commission on that deal that we funded with a refinance was paid at closing to your company/partner.

[michaelh]

Mr. Bernarsky

I do not have a partner - are your records that sloppy? And why do you claim you are backed up and have so many files that you can't keep up yet send out spam emails twice a week asking for submissions. Why can't you process files in the order they are received and answer questions in a timely manner and why do you continue to lie about undisclosed discoveries? You never even sent a letter detailing why you are choosing to decline the submission, failed to respond to emails but continue to claim you are a reputable company. Your own emails detail that you can not even manage file submissions or track emails and respond in a timely manner.

No broker wants to submit a file to a lender who does not respond in a timely manner and if the file is declined provides a reason for the decline so the broker can inform the customer. The emails above show you asked for documents on May 14th and received them On June 3 rd after multiple emails you responded that you never looked at the documents you requested.

And as a side question is this you being sued by Barclays Bank or someone else?
Barclays Bank Delaware v. Stefan Bernarsky
MJ-45301-CV-0000170-2019 | Pennsylvania State, Magisterial District Court, Lackawanna County
Judge Magisterial District Judge Paul Keeler
Filed Aug. 8, 2019