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Review 4/4/2009
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PLEASE BE AWARE!!!!!!!!!!!!! THESE ARE CROOKS!!!!!!!!!!!!
These people (someone named Joe) contacted us because we were and still are behind our mortgage, we went to them to find out what they could do to help. They offered a Loan Modification Solution, we were told “that they will fight with the bank” (IndyMac) to make them reduce our interest rate and adjust the value of the property to real market value: “ THAT THEY WERE EXPERTS IN THE MATTER AND KNOW HOW TO TALK TO THE BANKS!!!!.” JUST PLAIN BULL.
So far they did nothing, just collect the monthly ($399.95) payment from our checking account. Then someone called Vanessa (our case agent and “expert” in the matter) and us spoke with the bank on a 3 way call twice but no negotiation was done on our behalf.
IndyMac had previously sent us some type of loan modification (modification on their favor) letter that they wanted us to sign and sent back to them; but “First Universal Lending Loan Modification Experts” HAD DONE NOTHING; the bank still had not changed their mind.
A month thereafter, we got the Bank Foreclosure Papers from the Court, to which we had to response. This unscrupulous company told us that we had to write a letter (like they going to pay attention to us with all our legal knowledge) telling the Court and the Bank that “We had retained the services of First Universal Lending” to represent us in the matter, but they had not even produce a letter to this effect and in top of that, when we called Vanessa, their agent asking what to do, she; the expert in the matter that was “representing;” us took between 3 or 4 days to return our call and had no clue what to do.
So we asked to speak to a supervisor and someone named Jill called us back and told us to fax to her office the court foreclosure papers for she to look and send to their attorney, thing we did and then we wait and wait and when she finally called us back, told us again, that we had to replay to the court stating what Vanessa told us before.
So we cancelled their service and requested our money back. Then yesterday Friday April 04 of 2009 after 7 or 8 days of our request for cancellation a very nasty guy called us arguing they won’t represent us as attorneys; that they are just the “Experts in Loan Modification” and that the fight with the bank………SAME BOLOGNI. That he won’t approve them to return our money but that he would place the request and that it will take long to be processed; again MORE BULL; they did not took them long to get our money right???
That we have to have our own attorney; but nobody told this to us; and as matter of fact the supervisor women named Jill, told us to send her the court papers for her to submit to the attorney. So how is this? That someone of them says something and then other says something completely different??
There is one lie over the other. THEY DO NOT KNOW WHAT TO DO. They are ripping people off of hard earned money and taking advantage of these difficult times.
We retain the service of a REAL attorney that is representing us the way we should had done since the beginning; we just want the 2 months ($800.00) we paid to this company back.
Sincerely,
Edgard A Lopez
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