My husband and I paid David Young of "My State Processing" in Las Vegas, Nevada $3000 to modify our home loan. Since we were "up-side-down" we we told by David Young of "My State Processing" in Las Vegas Nevada that we qualified for several different modification programs and that he would find the best one for us. David Young of "My State Processing" in Las Vegas, Nevada appeared to be very educated about modifications, mortgages, home loans etc.
We were told that the modification process would take 1-3 months.in the first few months you can imagine our excitement when David Young of "My State Processing" in Las Vegas, Nevada Las Vegas, Nevada told us (through an e-mail) that we qualified for a certain modification at a certain interest rate. Hook... Line... And... Sinker! We paid David Young of "My State Processing" in Las Vegas, Nevada $600 (and we struggled to do so, hence: HOME MODIFICATION) for 5 months (DING! Ding! DING!) to do this "modification". Once the last payment was sent, the communication dwindled. He was NEVER available by phone but my husband would receive an e-mail ever so often with promising "updates" between his-self and our mortgage company. He had names, dates and conference call times. So the lack of call backs kept us from worrying.
All of that worrying ended once month six approached. We thought that if we had been approved for for a certain modification program at such a beautiful interest rate, why are we still paying the same mortgage price and have heard nothing from our mortgage company (DING! Ding! DING!).
After numerous attempts to contact David Young of "My State Processing" in Las Vegas, Nevada we finally decided to contact our mortgage company to see where they were in they were in this "modification" process. Once we explained to them that we were not receiving updates or calls from David Young of "My State Processing" in Las Vegas, Nevada, they were able to get him to answer his phone and put us on a 3-way call. I was shocked. He tap-danced better then Gregory Hines could have ever dreamed of. It would have been quite impressive had we not been out $3000. Come to find out the wonderful program and interest rate that we qualified for... Did not, will not and can not qualify for! Go figure!
After stewing and playing the conversation over and over (and over) in our heads we decided to dig a little deeper into David Young and his "company". Public court records led us to law suits, collaborators, victims, AKA's... Unfortunately, I felt as if we had just hit the jackpot. Seems to be a family business using different names and addresses. David Young was not licensed to do a modification on our home when he claimed to do this so called modification on our home! He was due to renew his license the same month he began working with us. I was able to find and talk to one of his AKA's victims.in court records it stated that David Young was NOT licensed to work on his modification either but still did. WOW!
We were left with no choice but to demand our $3000 back from David Young and his company "My State Processing" (by e-mail of course because our calls were being ignored). We stated about 25% of what we found on-line about his-self, his family members, his company, his AKA's, court proceedings, lawsuits etc. He returned the e-mail and a time for when he would call. David Young of "My State Processing" called (not on time of course!) and did another jig! The conversation was a joke because he would not just come clean. Which pissed my husband off worse then him taking our $3000. He said we'd get our money back (should I hold my breath?) in 5 month installments just like we paid. After we shoveled our way out of his... Lies... We finally ended the conversation. But we still were not buying the repayment, considering the victim we spoke to still hadn't been refunded, AKA, other family members doing or whatever. If you have to have a license to do a home modification and you don't, then your contract is worthless, garbage, null and void as far as I see.
I hope that we get our $3000 back. Considering my husband who served 23 years with the U.S. Army, retired and at the end of the month (with a two week notice) will lose his current job, we will really need the money! I am hoping that not only do we get our money back but these people will stop doing this to other people who desperately need it. He wasted 6 months of our time that could have been spent with a reputable company! He talks the talk and walks the walk but he does not deliver in the end!
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