AFG loan modification department called me and said they had received notice that my mortgage company had to comply with loan modifications for people who had interest only loansand owed more than the property was worth.
I explained I thought I was not a candidate because I had never missed a payment and did make enough money to handle my monthly expenses, but really wanted to have a fixed rate loan and my property was worth much less than I owed.
They assured me I would qualify under the new guidelines.
They said I would have to pay $1650.00 before they could start the process and the money was for the Attorney to present it to the mortgage company.
I know, I know it was really stupid of me.
This was last December and they told me it would only take about 60 days.
I submitted all the document they required including my banking information and Social Security number, all the information the mortgage company had asked for when I applied for my mortgage.
I called them in February asking what was being done. They said they were working on it but they had been inundated with so many requests for loan modifications they were behind.
I didn't hear anything and called again in March. They then told me they had to have updated pay stubs, and other documents I had provided them with at the beginning.
Every time I called they said it was progressing well and the mortgage company had everything and they were waiting to hear from them.
Finally I called my mortgage company and was told they had not received anything from AFG for a loan modificationl.
I called AFG and got a recording. I kept calling and getting a recording and no one returned my call.
I sent a Fed Ex overnight, return receipt requested and it was returned saying those offices were emptyl
Now I am losing sleep because not only was the whole thing a scam but they have all my personal information.
I am collecting everything I can and sending it to the Attorney General.
These people should be caught and prosecuted!!!
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