To be clear; I have NEVER had contact with this company. As for my complaint and why I refuse is as follows;

--I was contacted by mass mail (never apreciated to begin with)
--the "next day priority express" envelope was postmarked
First Universal Lending
5030 Chanpion Blvd #200
boca Raton Fl 33496-2473-USA

--The adress at the bottom of the letter in the envelope read
First Universal Lending
3155 10th street
Deerfield Beach Fl 33442
PHONE (800) 393-8212

--I thought it odd that NO WEBSITE was listed
--I did a quick search online and discovered:
1) http://www.firstuniversallending.com/ (only says under
construction)

2) http://firstuniversallendingmortgage.com/
has contact info as follows:
5100 PGA Boulevard
Palm Beach Gardens FL 33418
Phone: 866.544.8070

3) http://www.firstuniversallendingloans.com/
(NO ADRESS)
Phone: 866.544.8070
Also states for a full description of thier servicesgo to:
http://www.firstuniversallending.com/ (only says under
construction)

Now, with this much run around and confusion when I haven't even initiated contact with this company; I don't see were any rational person would. I am not saying they don't do some kind of legitimate business in lending. I am just saying the face they put out to the public is, in my humble opinion, sloppier than a fifty year old crack whore over due for her next fix. And keep in mind folks; that's the sell ya' face. Imagine what the morning after face could look like. Again, just my humble opinion.

We paid First Universal Lending an up front fee in March 2009 only to find out later that this practice is not legal in the state of Florida. We requested our money back the next day and were denied. They did not give us the proper disclosures as mandated by the state's attorney general on all contracts. This company is in direct violation of the laws of the state of Florida and should be shut down and legal action should be brought to them by the attorney general's office and force them to return all stolen money back to the consumers plus interest. But they will probably file bankruptcy and screw everyone.

I think it's amazing after reading all of these comments how many of these people have received modification and sent thank you letters. Out of 35, 000 clients last year, only 100 were unhappy. That is barely nothing compared to how many client we have had. As a modification specialist I feel insulted that people that I HAVE HELPED ARE NOT COMPLAINING BECAUSE AFTER I MODIFIED THEIR LOAN, THEY STOPPED MAKING PAYMENT AND FELL BEHIND ON THEIR MORTGAGE!!

The only person that has a lawsuit against himsef if the guy who created this websit. This website will not be around much longer. Here are the responses to these ridiculous allegations:

1. We can not spend all day talking to our clients, we MUST BE ON THE PHONE WITH YOUR LENDERS NEGOITATING!! If you leave us a message we will get back to you in order to provide a status update.

2. When we call you back and we state that your file is in review, what that means is, YOUR LENDER is reviewing your documentation, they're running it through their sytems, if the file comes back approved, then they go to THEIR INVESTORS and see what type of offer they can provide. Usually the first offer is a counter offer!!!

3. EVERY LENDER ASKS US TO UPDATE INFORMATION TO THE LENDER. They REQUIRE updated paystubs and bank statements. It's not that we NEVER Sent them that info, it's that the turn around time of 3-4 months requires them to need updated information. When you first applied for a purchase or a refinance they did the same thing, REMEMBER???

4. We charge a monthly fee because some modifications are completed within 2months. I completed a modification 3 weeks for a client that was with Citi Mortgage. Some modifications take 4 months or more. Every client has a differnt set of rules.

5. Bank change their guidelines all the time, we have to be consistantly in tune and on top of their revised guidelines. The government has put the affordabiltiy and stability plan into place that has created stricter guidelines for your lenders. Oddly enough, only 1% of clients have actually been approved for the GOVERNMENT PROGRAM! This is what I call, the government is action.

6. We are not drug addicts or people who can not get job!! Most of us our mortgage processors, underwriters, licensed mortgage brokers, and account exectutives. We only get paid if we MODIFY YOUR LOAN!! So why wouldn't we be working hard to make money? Some of us work over 60 hours a week. We try not to take the stress home, but alot of us feel terrible when we hear what some of our clients have gone through with the economical downfall, loss of jobs, death in families, or other struggles that have caused them to fall behind on their mortgage. Before I got to bed, I stay up trying to create a game plan for work the next day!!

Then I hear about this website from ungrateful clients that seem to think they know everything!! Go to your attoney general, call your lender directly, and once you get tired of the run around with them, then call First Universal Lending. I am sure you will need our help soon!!!

I am STILL reeling from the news you gave me today. I cannot believe it!! I even called Wells Fargo as you told me and I paid them already for the first month and gave them e-checks for the next 2 months to come out in May and June and then I go to my local WF office (the one that wouldn't deal with me) and sign the paperwork and it puts the house in MY name and with the 2% interest for the 5 years.

I have called all my family and they are so relieved that I can stay in my home, we are all crying.

I want to thank you so very, very much for all your help and encouragement through this trying time. It was bad enough losing my husband unexpectedly after all these years, and I am sure he is up there somewhere smiling down at me. Your advice to me must have been right on as they cooperated on the first try.

Also, you have been just wonderful about calling me back, e-mailing me right back and most of all reassuring me when I was having panic attacks over my mortgage. You are an A-1 person in my book and tell your supervisor you need a raise.

I have recommended your company to a friend of mine who is also trying to renegotiate her loan. I gave her the company name and phone number today (she is so happy for me). I am sorry to be gushing on and on about this, but I still cannot believe it.

I had a fortune cookie Saturday night that said I would have good financial news coming. I just laughed and thought "sure".

Again, Shannon, thank you for all your wonderful help and advice and caring. I could never have done this without you and First Universal. And, lastly, thank you William Murphy, for making me believe you could do it. Your company is a first class act!!!

Phil B.

i paid for a loan modification 450.00 us they made 2 phone calls did nothing 4 me at all then would not give me my money back!!! they steal your money and never call back & no emails the worst in the states.