I contracted with ULG back in Dec paid $1500 for a loan modification. It is now Sep 2009 and to date nothing has taken place except for a hearing notice for court from my mortgage company. I followed ULG advise to "not contact the lender", "ignore phone calls' etc. I have done so this far. I continued to get collections notice and phone calls which they said was "illegal" for the bank to do. And that " banks lie and do this type of illegal" stuff all the time. I have spoken to dozens of different people at ULG. Their seems to be extremely high turnover because when I ask for specific people I am told they no longer work here. We are now being foreclosed on when they also told me " that it is illegal for a bank to foreclose on you during a modification". Apparently banks are not smart enough to continue with "so called" illegal activity. I don't buy it anymore.
After having a newborn baby during this process it is more important to us now that we have a place to live. For the last 10 months the only response i get on my account is "it's with the negotiator" mind you i have had 3 different negotiators during this time, they keep changing.
I finally started digging in to this company, they do in fact have an F rating on BBB website, many of the complaints are exactly what we are going through. I feel like the idiot for not investigating this company deeper, their website looks "real". I don't doubt that they do in fact exist however they do not do what they "promised" they would do, my modification time line expired months ago so this process should have been done and over with a long time ago, they keep blaming the bank.
The next bombshell that was dropped was when i called and asked who will be their with us in court and the response was " you need to hire one of our attorney's" WHAT!!! So we are going to court alone, fighting U. S Bank.in reality we have decided we are going to lose the home where we were married and our first child was born. We are now looking for a place to rent and get out while their is still time. I am so disgusted and sickened by the misrepresentation of ULG and it has caused so much grief and stress I cannot begin to describe. I would beg anyone who is considering using this company PLEASE DO NOT. If it makes any difference to anyone reading this I am a Christian and would never speak ill of anyone or post any "lies" on a website. These are factual and true. A class action suit must be filed and as soon as we are out of this house and I can plan and afford I am seeking a "real" law firm as to what can be done. They need to be shut down and put in jail as far as I am concerned.
I even e-mailed Sean Rutledge and expressed my concerns how this is not going anywhere and the response I am getting from his staff.
He left me an extremely rude phone message which that should have been my first clue. But we were desperate and hung in their.
Hindsight is always 20/20 and we should have worked with the bank, at first we tried but our bank would not help, then we hired ULG, then the bank was wanting to help after we starting missing payments, that's when ULG said they are scared of what "we can do for you".
No more can be said other than $1500 later, complete and utter stress and being in limbo for 10 months of not "knowing" and we are now being foreclosed on.
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