We went into AGF's office originally to get a refinance. We were guaranteed directly after we supplied files (2-week previous evaluation, 2 yrs worth of tax statements, year-to date making claims for present year) plus they ripped credit, that my spouse SIGNIFICANTLY MORE THAN COMPETENT to refinance our current mortgage. I had been keeping from it since I'm a homeless property agent without any work with no encouraging prospects for just one. Throughout the discussion concerning the mortgage refi, I allow it to slide that I needed to obtain the vehicle offered that day-so that people might maintain present our current mortgage. Pouncing with this data just like a spidermonkey jacked-up on Shot soda, the mortgage inventor stated, "why market the vehicle, your spouse said he desired it for his company, we will create a car loan for this occasionally the car mortgage could be consumed by your refinance since you have over $150k collateral within your home. When the mortgage loan ends, we will provide you with the name towards the vehicle back; we wont actually remove it of one's name-but we do require you to signal a statement of purchase in the event that you choose to do that.) Suspicious and being the speech of cause I requested my spouse if he believed it was advisable. He shrugged after which this really rude guy stated "Do Not pay attention to her, she is not likely to be outlined on either mortgage." Pardon me, the subject towards the vehicle is IN MY OWN NAME! My spouse subsequently informed this rude guy which should the house loan-not undergo, we'd not maintain a situation to create monthly obligations onto it in addition to try to obtain a home loan elsewhere. Again we were informed "you are SIGNIFICANTLY MORE THAN COMPETENT again AND IT'LL BE NO PROBLEM TO GET THE HOME LOAN CLOSED WITHIN THREE WEEKS; You wont OWE a vehicle cost." We mentioned it in personal and my spouse decided to get it done on the basis of the guarantee of NOT A PROBLEM to obtain the home loan. You know what, huge issue. Per week passed and my partner named to determine when he might be prepared to proceed in and sign files. He was requested, "what mortgage loan, that you don't have a software to get a house loan around, you simply have a car loan with us." when asked why did they need a present appraisal for the home the responded with "what evaluation, we-don't have an appraisal inside your title and incidentally, your first cost arrives in fourteen days." To create a lengthy history small, we did not create the very first cost about the loan, alternatively we submitted a using the nearby Justice Department alledging scam, and go about looking for a far more inexpensive monthly home loan. Well, AGF submitted a large dark tag on our credit agencies and we were not able to obtain funding despite we described that people were tricked in to the vehicle mortgage within the first place. Consequently, to create a lengthy history small, we were foreclosed upon, today AGF has employed a lawyer and it is suing us for ownership of the vehicle for non-payment. We shot back a solution Pro-Se obviously since we can not manage a lawyer and today have been in lawsuit. We were planned for test in March. But AGF determined court-order be damned they reclaimed the vehicle. Well we first got it back (exactly the same evening) following a raging discussion using their attorney and also the trial judge however they ruined the indication now-so that people do not actually dare generate it for concern it'll be broken more. Today their attorney is attempting to postpone the test (he is scared, I believe with each one of these misleading financing exercise happening) and it is attempting to refuse us our capability to inform our aspect of the tale. I'll inform you what goes on later on; Iam attempting to write an opposition short in reaction to their movement for summary view but Iam no attorney but I used-to desire to be one; does that count?!?
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