Seeking Refund of $995.00 from SFR Certified.US Processing due to Fraud, Misrepresentation, Bad Advice, and False Promises.
I was currently approved by GMAC for a Trial INHOUSE Modification Program and was currently paying $666.00 per month at 4.25 % rate. My three month trial period started August 01. Previously, I did not qualify for the HAMP Program with GMAC because I fell short Five Days on the 60 Days Delinquency Requirement in July. August 10 Bruce Lim from SFR US Certified contacted me by Phone. After taking my Income and Debt information, Bruce stated that I qualified for the Government HAMP Program with an Interest Rate of 2%. Payment of $595.00 was needed to process the necessary Documents to initiate my HAMP Modification Approval. Bruce also advised me that I need to stop making my Trial Payments, and no other Mortgage Payments will be Due until January. I deposited $595.00 into their Chase Bank Account on August 15. The Bank Deposit made me feel a little more Secure. Documents were emailed to me and FAXED back to SFR US Certified by August 21. Richard from SFR US Certified was responsible for Faxing my HAMP Documents to GMAC. SFR was suppose to file a 'Third Party Authorization and Release Form'. This form is required in order for SFR to communicate with GMAC on my behalf to get my paperwork in order for the HAMP Government Modification, which would reduce my Payments much lower than the INHOUSE Modification Program. August 30 Adam Kennedy from SFR US Certified requested more Money. He needed $400.00 for a NPV Report to complete the processing of my HAMP Loan. He stated that it was requested by GMAC Mortgage Company. September 7, $400.00 was deposited into Bank of America Bank. On September 7, I called GMAC to verify if the Third Party Authorization and Release Form was filed. NO Third Party Authorization Form had been filed with GMAC. I called and Emailed Bruce Lim, Richard, Adam Kennedy and Daniel White to resend ASAP. September 20 Adam Kennedy from SFR Certified.US requested more Money. He needed $1495.00 to cover more processing Fees. On September 24, I again notified GMAC to verify if the Third Party Authorization and Release Form had been filed. NO Third Party Authorization and Release Form had been filed. Emailed everyone at SFR again, to resend the Third Party Authorization and Release Form to GMAC. September 26, I was notified by GMAC that my INHOUSE Permanent Modification was approved. Third Party Authorization and Release Form was never filed by US Certified Processing with GMAC. SFR US Certified Processing's Goal was to create more of a Financial crisis between me and GMAC, and provided no representation or support on my behalf. SFR US Certified Processing are not answering their Telephones.
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