We initially called the NationalMortgageHelpCenter, spoke with them at length, and were referred to HomeCreditLawCenter as the ideal firm to help us with our loan modification.initially, we dealt with Ryan Caton of Home Credit Law Center, then Pam Daniels of AFCAPS, and Brian Linnekens of Linnekens Law (aka Home Credit Law Center), and finally the head of his elite internal team, Frank Waters who apparently used to work for Linnekens Law but now works for some company called Rhombus Tech. Communication was spotty at best unless we hounded them with emails and phone calls. It was hard to get a hold of any of them, and they kept changing company names and personnel on us. Even though the phone numbers remained the same, they were not answered when you called instead you were promised a call back within a certain time frame (which rarely happened).
We gave them $2900 on March 4 and they promised that they would work with us quickly to modify our home loan. They told us that we needed to send inmortgage papers with signatures, copies of our pay stubs, SSN, loan papers, financial statements, income tax recordsand just about anything it takes to steal an identity. We kept on calling, emailing and got the runaround all the time. They shifted us from one person to another and one company to another.
At one point we were so disgusted with their non-communication and stalling tactics that we complained directly to Brian Linnekens and he emailed us: I have just had a staff meeting in which we discussed your file. Given the continuing difficulties that you have had with Pam, I have decided to pull your file from her and handle it with my own elite in-house division. You will be getting a call from my Director of Underwriting, Sergio, this afternoon to discuss your file. I know that you will find the experience very different. With Your Success in Mind,
Who the heck is Sergio? Another new name and yet more requests to have the exact same paperwork filled out because: I am very sorry that you are so upset. You have expressed your concerns with the past service, which is why I have escalated your file to our in-house team. But I am asking you to please understand that this step requires us to re-assemble your file and perform an (sic) new underwriting of your case. This is the reason that we have asked you for additional documents. I know this step may seem redundant, but it is this process by which we can make absolutely sure that no mistakes were made by the prior underwriters, and it is absolutely essential to achieve a successful outcome. We have come this far together, and I ask you to please allow us to continue our work so we can demonstrate the effectiveness of our service and earn back your trust. Please send us the documents and information that we have requested so we can continue to work for you. With Your Success in Mind,
When we demanded our money back and told them we would contact the State's Attorney's office and the Attorney General's office and the BBB, Brian told us they had done nothing wrong and were diligently working on our case.in fact, Brian told us that: My staff and I have continued to make every effort to satisfy your rather demanding needs, and yet you continue to insult and attack us.
If wanting to avoid foreclosure and wanting action from a group you have paid andwho says they are dedicated to resolving your loan modification is demanding, hes entirely right. I guess we are demanding.
Again and again they made us fill out the same paperwork with the same information. Finally, Brian and his team told us not to fill in any of the forms sent to us by our lender saying that they would take care of it; that they knew best how they should be filled out.in fact, they wanted us to send them the blank forms from the lender with our signatures on them we sent the blank forms but, of course, refused to sign them without seeing them filled out first. Never happened. How can a lawyer, in good conscience, ask a client to sign something they havent seen or read? According to the loan company, nothing has been sent to them. I found this out when I finally phoned the loan company and was told no one contacted them nor did any correspondence come into their office regarding our case. The only thing they show in our file is that HCLC can request information on our behalf nothing more. We are now in foreclosure because of their non-action. (Update: They finally sent some paperwork in when we demanded the name of the person they spoke with so we could check up on them.)
We have emailed and called over and over and over. When Brian communicates with us he states, like a broken record, "we will continue to work diligently for you"and signs all his emails With your success in mind which is exactly where it ends.in his mind. The only successful entity in this is HCLC its owners, certainly not the poor homeowner who is losing their home and their fee. No money back because he is still working for us. It looks like not only will we lose our home, but the money already paid to these scam artists. These people should be made to pay for what they have done to the hundreds of other unsuspecting people wanting a little help in this time of financial crisis.
Update:
We just got a phone call after months of silence from one of his underlings (United Processing Center) telling us they were still working on our case and would get back to us in a couple of days. Funny, a month ago we received two notices from the lender telling us we had been denied again. No communication from Linnekins or his minions on the subject. They probably still dont know. The only thing that saved us from a Christmas foreclosure sale was a local lawyer here in San Jose certainly not Linnekins.
Dont fall for his help. There is none in this quarter but Im sure hell respond that he did everything he could for us as hes responded to others with the same complaint. Dont believe it. Hes done nothing and continues on his merry way doing nothing!
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