I was contacted by Aaron Cox about a loan modification. Aaron Cox said that his firm Clear Vision Financial specialized in working with mortgage companies to reduce payments for people that are upside down on there mortgages. Aaron Cox said that he would work with our lender and get our mortgage balance reduced and our current interest rate reduced to lower our payment. My wife and myself filed out the paper work and sent him 2 checks for $1397.50 each, the first was dated for 3/1 and the second was dated for 4/1. Aaron Cox also said that we qualified for a Federal Grant in the sum of $2400. To help off set some of the initial cost to get our old mortgage modified to the new mortgage. Aaron Cox told us and sent us a contract stating that our payments would be reduced from $1573.93 to 962.38 and the first payment would be due for May if we went along with his program. This seemed all good to my wife and myself because we had contacted our mortgage company to refi and were unable to because of the type of loan we have. I told Aaorn Cox all of this and assured me that it could be done, all we needed to do is fax him over the signed paper work and sen the originals in the mail with the 2 checks. Aaron Cox also stated that he would be in touch with me every Tuesday to keep us updated on the progress. We started getting threatening letters from our mortgage company in March, I contacted Aaron Cox and he told me they were just computer generated letters and that everything was on schedule. I had an Insurance claim check that needed to be signed by our mortgage company and I called Aaron Cox to see what I should do, Aaron Cox told me to contact my lenders insurance division and ask about how to handle the check. I contacted Colonial Savings and explained who I was and they told me that my loan was in default and that I needed to make my payments that my mortgage was not convertible nor could it be modified because it was not backed by the government. I spoke with a loan consultant for a couple of hours and what we were trying to do. The loan consultant said that Clear Vision Financial, Aaron Cox or anyone else has never been in contact with them and that our loan could not be converted. I contact Aaron Cox and explained all this to him, he got upset with me and said that he would refund 100% of our money back to us and we could just stay with our old mortgage. Aaron Cox also said that someone from there accounting department would be getting a hold of me before days end. I received a call 2 days later from there accounting department. I was told that they would send me out a form to fill out and possibly I could get my money back, I told her that Aaron Cox guaranteed in person our money back 100%. I still haven't heard nothing from Clear Vision Financial or Aaron Cox. I have left many messages and I have also contacted the Illinois Attorney General and the California Attorney General's office. I have also contacted an Attorney. I am following the steps to get this matter taken care off. I feel I have been Scammed and I want Aaron Cox and Clear Vision Stopped from doing this to anyone else. My name is Keith (Personal Information Removed) and I can be contacted at (Personal Information Removed) or my phone number is (Personal Information Removed). Thank you for looking in to this Scam for me.
Sincerely,
Keith S (Personal Information Removed)
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