My name is Felix R. Jr. And my wife is Margo J, MD.
We live at (Personal Information Removed).in late August I, after
conversations with one Michael Carter, agreed to retain their services
to attempt to modify my property at (Personal Information Removed) as we are in the midst of a very long and costly legal battle in
which we are the plaintiffs. My wife and myself make a very good
living but the legal bills of $500,000.00 and related costs has
placed us in the situation that we needed to seek assistance with our
mortgages. After speaking with Mike, he assured me, after hearing my
side of the story that his firm can quickly and professionally make
arrangements with our banks. To this I foolishly agreed and signed all
pertinent paperwork, and submitted all requested documents. After
receiving said paperwork, Mr Carter informed me that to move forward I
would need to send a retainer of $3500.00 split in two parts one month
between payments. To this I agreed and had $1750.00 withdrawn out of
my account three times with my permission shortly after our
conversation. Two weeks went by and I heard nothing. I called Michael
and he stated that he was only the "documentation specialist" and that
Kathy Rodriguez was now handling my file. I called Kathy and someone
named Heather (no last name) answered and forwarded my call to Kathy's
line. I received a voice mail to which I left a message to call me and
update me on the progress. I received no call back. I tried again and
again Heather sent me to her voice mail. I left another message with
no reply. A week later (three weeks now) I called early in the AM and
caught Kathy. After introducing myself she responded "... I was just
about to call you..." I explained that I had not heard anything as to
progress of needed requirements and felt I needed to know what was
going on. I stated to her that the banks had been calling me and she
replied "... Oh those are just collection people, hang up on them as we
do not deal with them and they don't know whats going on..." I
foolishly did what she asked until the VP of the bank called me. I
explained to him what I was doing and he said he had not heard
anything about any communication with their loss mitigation department
or their modifying people. I called Kathy back, (surprisingly I got
her) and told them what they told me. She then told me that Julia (no
last name) was handling things now as her job as "document specialist"
was done. I told her that's what Michael told me and that she would be
handling the case. She told me she would look into that but that
"Julia" would be handling my file from now on. I called "Julia" and
explained my predicament and that I wanted answers. To this statement
she told me "... If you are going to take that attitude I will hang up
on you and not answer your calls..." This obviously upset me as I was
coming to realize that I was working with rank amateurs and the only
thing that was happening like clockwork was the drafts from my bank
for a total of $7250.00. I called her again and she now stated that
Sandra Kessler was working on my file. I called the number that
"Julia" gave me and spoke with Ms Kessler. This was now late September
and she (Ms Kessler) notified me that First Citizens does not work
with third parties on modifications and that she could only work with
Resurgent on my principal home. To this I asked her that if it was
known that First Citizens doesn't work with your firm then why was I
strung along and paid $3500,00 retainer for a case that you knew you
could not work with? To this she answered that the specific loan I was
talking about (Personal Information Removed) was being handled by Michael
Carter!!! I told her that he represented himself only as the
"documentation specialist" and he never told me he was handling the
actual negotiation. She seemed confuse at what I was telling her and
told me to call Michael. I called Michael immediately and was informed
by "Heather" he no longer worked there! I asked who the hell can I
speak to about this matter and she told me Kathy Rodriguez was
handling it!
After ripping out more hair, I called Kathy and she told me the
boilerplate answer of "... Don't speak to them they are only
collections..." I told her that this was not what I was calling about
and that who was actually handling my application. She told me "Julia"
could help me again. I never spoke with "Julia", Sandra Kessler, Kathy
or Heather again as my calls do not even go to voice-mail anymore. I
am therefore requesting my retainer back and close whatever progress
you have made or not made on my case. I never once in three months
spoke to an attorney, legal assistant or legal aid at their firm. Just
the buffoons and Jackals I mentioned previously. I am currently
spreaking with various state and government bodies along with various
LEGITIMATE consumer advocate groups on this matter. I think of myself
as an intelligent, well spoken professional and so is my wife. The
image that your "people" are leaving is that of an amateurish con game
with legal ramifications.in hindsight, I could have used the $7250.00
I sent you to perhaps make a dent in my financial picture with my bank
but as you know, hindsight is 20/20. I have already spent half a
million dollars on attorney's so a little more will not break me.
Anxiously awaiting theirr response to this letter.By the way, if they do
respond, it will be the first time anyone from this "firm" will have
taken the courtesy of doing so.
Sincerely.
Felix R. Jr., MBA
Margo J. Md, r. Ph.
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