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Review 4/27/2009
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A man called me about modifying my loan (in late December), how much they could drop the payments and all I had to do was pay them a monthly fee of $399.95 while this process was going on, it could take from a couple of weeks to a couple of months he said. He went on to say they company understood that I could not pay them and make my monthly mortgage payments, so he told me to pay his company and any payments that was past due up to 10 payments would be "forgiven". I agreed, after a month I recieved nothing, and called the find out what was going on, I was told they were waiting on my mortgage company to respond to all the information they had sent over to them and the had verified the information was received.
Once a week I would get a message that the mortgage company hasn't responded but they are still calling once a week. After 3 months I received a forclosure notice from my mortgage company and a letter from an attorney telling me they expect to transfer title within the next 60-90 days. I called First Universal and as usual received the answering machine, I left a message as well as sent a email, she responded to the email asking me to fact the papers I receive to her, which I did.
She responded back to me that it was just a scare tactic and it would be okay. I called the bank and asked them about the papers and was told that they had rejected the proposal and I could submit different financial information to be reconsidered. I immediately emailed First Universal and told her what happened. When she emailed me back she told me that they were starting forclosure proceeding because I had not made any mortgage payments, but be assured that they would not forclose while they were in review. Also that she would make sure that the sale date was stopped.
When I started this process I was no where near the point of forclosure, just trying to get my interest rate down and reduce my payments, now I'm on the verge of loosing my home. I can see no value this company has except to ruin your life.
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