Definitely, my worst experience was a coder I paid up front!
(Yeah, I know, I can hear the groans from England: "On no,
Yep - I was recommended a coder by a marketing friend.
(He did not know he was a fraudster). He did some great
work. Then, it went quiet. So, I put all the PayPal payments
on hold (that's where they should have remained)!
But, he managed to convince me with friends and family
phone numbers, etc. And, that he'd had a genuine reason for
But, it never got better! Loads of 'stories' later (no-one could
have that much disaster in a few months), loads of hassle later,
and, loads of failed promises later, it went quiet for good!
The saddest thing is, he is a good coder. But, he'd rather rip
people off than earn a decent living the proper way.
So, be warned!
Other things have happened (which were usually my own fault,
but I have taken full responsibility), but none were as bad as that!