I refinanced my house in 2006 to buy a business. The lender was Fremont Invrestment Loans(bad company!). They sold it to ASC/Wells Fargo Bank. It was fix for 2 years and then became adjustable. Six months before change to adjustable I called ASC asking to help me refinance. They told me I had to call Wells Fargo that ASC can not do that. Called Wells Fargo, they told me to call ASC, that they could not do it. They told me ASC and Wells Fargo were not the same. That was the first lie. Meanwhile the prices of the houses kept going dow. Finaly they sent me a letter telling me I did not qualify to change the interest, but did not said for what reason. Tired a contacted statewide Bancorp Inc. They got a trial period for a loan modification and told me that that was my only option and I had to sign it . The terms were not good I did not signed, took them to court and they had to return my money because they did not have a permit to collect advanced fees for a loan modification. I called Parsa Law Group. They were on TV boasting they helped over 3000 customers to modify their loan. They took my money and shortly after Mr Parsa licence to practice law in California was removed for moral turpentry. Still waiting for them to return my money. I continue sendingthe documents the Parsa Law started and finally ASC put me an a loan modification trial period for 3 months with reduced payments. We asked before signing the agreement if that will afect our credit and they said "no, that is an agreement between you and the bank". Another lie. After we completed the 3 month trial period payments the loan modification was denied and our credit ruined! ASC reported the payment as late payments. We called them and they denie dthat they reported late to the credit agenices. They asked to send them the copy of the credit report. They also told me "of course the trial period will lower your credit score, everybody knows that". Really? We asked before and they said no, they lie. And they refuse to remove the bad record from the credit report. We are stuck with a bad credit and a Bank not welling to help and reported late payments when we neverm were late in the mortgage. Only neede a loan modification to lower the outrageous interest of 9.7% with a cap of 15.7% !