How would you handle the situation if you ever encountered one?

I appreciate your first hand experience with them as there are so many scams out there.

using a TREC 1-4 contract so hard to scam there.  

Quote from @Patrick M Nichols: Cogo is a total scam... lots of fees on the front end.

They probably want to be certain YOU are legit.Most of the scams I've seen are by non-owners. 

Paul and Special Financing Company both  promised they would take care of this by December 27th and then just today in the mail I got two letters saying that they had transferred my loan to another company...That is the most insane thing I have ever encountered in all the years of dealing with shady businesses on the internet-!!!!

Quote from @Carlyn Chism:I agree with Chris on a lender that might be a scam or make you may so much money interest because of the low credit score that you make $1.00 on the flip or no money.  

Dutch Mendenhall and Amy Vaughn have orchestrated a scam to take investors money.   

Those who had luck getting work paid most of it to the company because of fees and others say it’s a scam. 

Agree Google nmls - funny on Facebook where 99% of private lending groups that are public are scam artists you get the "well license isn't required"I reply to this noting that while you are correct in some states - chances of a scammer with a nmls license are less than 1% while those without is 99% on sociale media