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Stayz
June 17, 2011
Predators and Rip Off
We began conversation with this group to modify our loan. They seemed legit and after several phone calls, emails, and then an internet search, we signed a contract. Then, with three days to change I checked with rip-off and saw red flags! However, by then, the spouse had sent them a check for $3900. Needless to say, they went out of business shortly after that. Now we are with an attorney group that counsels for free and they are helping us. A very sorry lesson to learn...
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Miss Joanne
October 18, 2010
Fraud
This company promised to assist me with a loan modification of my mortgage. My husband was out of work for a year and by the grace of god I have a good job and was aboe to good the house going. I paid them up front $900.00 to work with my mortgage company (first & second). They talked a reallty good game, but when I mentioned the type of work I do I no longer heard from them.
I was able to modify my loan myself through my mortgage company. I was contacted by the San Diego County District Attorney's Office and forwarded all the information/evidence to an investigator. Being in the legal profession I was able to be conned and felt very very stupid for falling for them but atleast they didn't get the whole $2, 500.00 they were looking for. In that sense I was lucky. Loan modification can be done through your mortgage company. It can be stressful getting all the documentation together, but in the long run only you can advise your mortgage company of your plight. Beware of these bottom feeders and god bless.
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Ripped off!
January 15, 2009
They conned me out of $2000.00!
As a homeowner in danger of foreclosure, we were taken advantage of by the promise of help. We were contacted in July, by the National Home Loan Assistance Program with promises of negotiating our 8.9% interest rate down to a fixed 6%. We were told they could not help us, and our bank would not work with us unless we were late by 30 days minimum. So, stupidly (desperately) we let our mortgage lapse into 30 days late.
We then started the process of "loan modification" with them. We received a pre- approval letter, and we were told NOT to under any circumstances make any mortgage payments. We were instructed to write, and fax NHLAP a $2, 000 check. We had already searched their name on the web, and our search turned up nothing bad. NHLAP said the entire process would take 45-60 days, and their success rate was 99%.
Shortly after the check was faxed, we had trouble getting in touch with anyone. On December 18, 2008 our bank told us our modification was denied. We were (and are) devastated. On December 22, 2008 I requested a full refund in the amount of $2, 000. In an email dated December 28, 2008, we received an email from NHLAP, stating that we were put on the "refund list, " and the accounting department would be contacting us "shortly."
We have received several empty promises, a contract, and even emails that promise our refund, as well as contact from their accounting dept. The only live person we ever speak with is a woman named Chelsea, who claims not to have the ability to transfer my call (due to a move). We told them by email and phone, that we would be filing a report with the BBB, as well as the California Attorney General's office (which we did). We also told them we would be contacting the press in an effort to save other families from this nightmare. Believe me, if this could happen to us, it could easily happen to other frightened home owners! Nobody will give us any answers. I have evidence to support my claims. Also, check the BBB web site, the BBB gives them a C- ! That was before I complained! I wish I had done more research! I know if you are in this situation you are desperate, but don't be foolish (as I was). If they took my 2K and refuse to speak with us, what will they do to you?
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