I, Ron B, spent many months researching companies/firms that offer home loan modification services. I was approached last year by Jaimie Johnson, representative from United Services Group, address, 9528 Miramar Rd. #280, San Diego, CA. 92126. With much trepidation and with knowledge there are many less than honorable companies out in this market scamming folks who are in desperate need of this service due to predatory lending practices, I acquiesced and elected to engage their service. They were very good at making you feel comfortable that you're making the right decision. On many occasions I queried them about their honor and skills in accomplishing our primary
objective... Requesting them to please do not take me down the path that I was most fearful of, making a bad decision in my selecting them to represent us vs. Our lender. I can explain their methodology in great detail on how I got here. I'm reaching out to you for help and ultimately preventing them and others from doing this any longer.
As it turns out I returned their contract signed, sent their fee on or about Dec. 14th 2011 and waited for them to perform the services contracted. I know something was going on on our behalf since I was getting direct communications from our lender. I signed a "third party authorization", which was contested but presumably later corrected. A preliminary audit was performed prior to the signing which gave us assurances that we had a legitimate grievance against our lender. United Services Group, under our next contact, Judy Johnson, indicated that from our "Securitization Audit", all discovery would be forthcoming and help in positioning our case vs. The lender. I always had requested that they provide all communications sent to the lender on our behalf be also copied to us. I've not as yet received any such "Demand Letter, Securitization Audit" or basically anything other than several emails and our original contractual package.
At the very beginning their communications with us was quite good but as things progressed it became less and less until on day, Jan. 23rd, I received a call from Greg Paramore, underwriter for United Services Group and one of three
names on the 3rd Party Authorization Letter to our lender.in that call he stated that our modification was "in transition" and within 5-7 business days a new account manager/agent would be assigned to our file. There should be no concern and once this happened, our case would proceed. The company now mentioned is Advanced Loan Processing,
however any kind of query in the San Diego area turns nothing up on this company. He says he's making calls from a call center in San Diego... Has provided a email address:
Greg Paramore (addedcellphone) 619-792-4432
Advanced Loan Processing
Direct (619) 609-0085
Fax (866) 860-1637
[email protected]
When asked for a physical address or contacts for the new company, he's conveniently avoided a satisfactory response. He says that I'm going to receive a call Friday, Feb. 3 and if not, I'm to call him by 2pm. There are just too many red flags here... They've broken our trust with promises that came from the "securitization audit" saying that our
loan is illegal, the deed and note are no longer owned by one entity and that there are many more irregularities that were identified that are or border on being illegal. Now they too, so it appears, are conducting predatory practices and taking advantage of folks desperately in need of help. Why is it that the right companies remain unidentifiable / in the dark while companies like the aforementioned are allowed to remain in the light so folks in our situation become
victimized all over again?
Below is an email I sent to the BBB of San Diego and the AG of the State of California. I recently was in touch with an attorney in my area referred by a friend and when I mentioned all this and told them the company was based in San Diego, their comment was that it appears there are several companies in San Diego conducting these kinds of practices.
It suggests to me that there is a "hot-bed" of companies in this market doing business as usual prying on folks with similar situations. I hope it warrants an investigation and hope my particular situation can result in a positive outcome.
I'll be forwarding this email to six of the prominent TV stations in the San Diego market with hope that some consumer advocate would find this of interest. I've yet to identify any other means to find a solution to my predicament We're like many others today, surviving check to check with no disposable income to fight this in any other legal way. The
money originally sent was from an insurance settlement from an accident I had in early Dec. 2011 which totaled my car while avoiding road rage. United Services Group knew this yet kept promising that our modification was in good hands.
I'm 65 yrs. Old and on SS and in this economy cannot supplement our income for obvious reasons. Oh yes, I've not
replaced the car as yet because of this debacle. My wife is 61, working but not enough income to support any other move toward a satisfactory resolution. We've been in this home for over 25 yrs. Raised our family here and wish to stay. We're not totally responsible for this mess and seek guidance in getting us back on the right path.
If in fact Advanced Loan Processing is to accept our "file" via Greg Paramore, then I suggest in the transference, this company now becomes legally liable for all contractual obligations and must be forced to refund the $4500 should I elect that as an option. We still need relief via a modification so if they can accomplish that, we'd consider moving
forward with them... Subject to complete validation of who they are and any other particulars relevant to our case. We should get what we paid for and nothing short of that I may be guilty of being naive but I'm not stupid and will use means at my disposal to rectify this injustice.
Btw... I have all correspondence both electronic and hardcopy from this short of phone conversations. Should this information be required, I'll forward it along.
Additional names/contacts from USG:
Charlie Toledo, Alex Johnson, Greg Paramore, Devon Pendergraf. Judy & Jamee Johnson, I believe it's a sole proprietorship Chris Harris is identified as the owner I believe.
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