I am a struggling home owner trying to save my home from forclosure. After talking to a few companies I decided loan modification was my best choice. I went with a company called "apply 2 save". They told me they handel lots of loans like mine and this is there specialty. There fees are $1000 up front and 500 when the work is done. I agreed and they sent me the paperwork to get started.
On 12-20-08 I Sent in all the paperwork and documents they requested. I contacted them the next day to make sure they recieved my info and that it was done correctly, they said they got it and everythinng looks good. They also said that I should have no contact with my mortgage company, and that they would be handeling it when the paperworkwas turned in.
Well on 1-26-09, I called my mortgage companys, because I am behind on my payments, to let them know I am trying to get the situation under controll. (I have mortgages with 2 companys they are handeling.) Both of my mortgage companys have no forms stating apply 2 save will be handeling my loans. I know I signed the "letters of authorazation" because I had to do it 2 times.
So then I contacted Apply 2 save, to see what the status of my account was, I didnt tell them I talked to my mortgage companys. My account handeler told me he couldnt access my info yet and that his assistant had my paperwork, and the assistant happened to be sick that day. The next day I called and spoke with the assistant, he the told me he needed more of my updated pay stubs and to fill out a new form that countrywide requires for its costomers. I just said ok.
If the info was sent in the first time I wouldnt need more paystubs. If I never called to check my account they probly never would have told me about the aditional paperwork or stubs. I had to call them many times to find this information out. This is the main reason I think there riping me off, If they were as good as said they would have called right away. This assistant is the 3rd person handeling my account since I started 2 months ago.
I am going to go to my local news with this, and I hope to expose them for there bad business practices.
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