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 we 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 letter (modification on their favor) that they wanted us to sign and sent back to them and the parameters given in this IndyMac letter has being the only ones the bank want to talk; 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 20 days to respond.
This unscrupulous people told us that we had to write the response letter ourselves (Like they, the bank and the court going to pay attention to us with all our legal knowledge, Right?) telling the Court and the Bank that: We had retained the services of First Universal Lending (Very Impressive, now they will pay attention: LOL) to represent us in the matter, but the Experts of First Universal Lending 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 4 or 5 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 last Friday April 04 after 7 or 8 days of our request for cancellation a very argumentative and nasty guy (another Rip-Off Expert) called us arguing they won't represent us as attorneys; that they are just the Experts in Loan Modification and that they fight with the bank in or behalf! Same bologni!!! That he won't approve for First Universal Lending to return our money but that he would place the request and that it will take long to be processed; again MORE BULL!!! It 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 she to submit to them to the attorney. So how is this? That someone of them says something and then other says something completely different?
So we have to pay them to negotiate and we also have to have an attorney to represent and defend our claim with the bank and court? Why do we need them: first universla lending in the first place? Again more bull!!!
There is one lie over the other. They do not know what to do. They are ripping people off of their hard earned money and taking advantage of all of us in these difficult times.
Then, 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 incompetent company back.
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