Terrible, stressful process We are sorry to inform you of the factual details pertaining to our recent unpleasant and stressful event with your company Americash Mortgage Bankers. Approximately fifty (50) days ago we began our refinance process with Americash. On Friday, February 5th, 2010, our file was assigned by M. and B. to Senior Processor Ms. P., to complete our transaction. We were assured that, P. is one of our senior processors and she will be working with you to get this loan wrapped up in a timely manner. You can reach P. at prooks AT americashloans.com or by calling at 800- ext.

We were locked in at a current rate, submitted and resubmitted all necessary and requested documents and data within hours of the documents being asked for, resubmitting same files copious times, due to Ms. P., Not having received them, and paid an appraisal fee in the amount of $450.00.

Ms. P. was e-mailed, faxed, electronically mailed and telephoned countless times as to documents requested, and her having received them, etc. This was done because she said she never got them. For the most part, my numerous calls and e-mails to Ms. P. went unanswered as well as unreturned. These same documents were also provided to Americash employee J. on more than one occasion.

On approximately Wednesday, February 24th, 2010, Ms. P. informed us that our documents were ready to sign and could we sign them Friday, February 26th, 2010. We informed Ms. P. and Mr. J. that the loan documents were not correct because we were paying current due property taxes and the March mortgages. Therefore, new loan documents needed to be drawn that reflected these facts. Ms. P. and Mr. J. knew this all along. We then heard nothing from Ms. P. since she said, I thought J. called you. When she finally e-mailed us back she requested more personal documentation as well as previously submitted data. Next the loan terms and agreement had been changed. Ms. P. subsequently stated our, Ratios were too high. We have full documentation of these facts. We chose not to burden you with over one-hundred plus pages of evidence at this time.

It is the responsibility of the lender Americash (any lender) to find out clients ratios are too high before the client is put through such suspect methods, has their credit hit and paid monies out of pocket for a failed refinance. We want to believe that Americash takes pride on putting the well-being and trust of their customers first and making sure clients are not placed in wary situations but rather put at ease. We respectfully ask for Americash to refund the $450.00 appraisal fee paid for our miserably failed refinance experience with Americash Mortgage Bankers.

Thank you for your time and right, truthful consideration in refunding our $450.00 paid in this matter of classic bait and switch tactics.

These people started partial allotments through my employer AFTER I paid the loan in full, now everyweek, a few days after payday, they are sending me a check in the amount they drew from my paycheck. They owe me another 375 bucks - Im so PISSED.