I retained this firm in May to try to modify the interest rate on my mortgage. I had attempted this process on my own before as I know you can modify your mortgage without retaining a firm but, the only thing my lender would do is put the past due amounts on the end of my mortgage still leaving me to pay the full amount monthly. This had become difficult as my husband's hours at work have become reduced and he has had a difficult time finding another job. I had recieved a flyer from the Mortgage Relief Law Center and decided, after some research, to contact them.initially I spoke with Van Vanmeter ([email protected]) and afterwards he had a "Mr. Mitchell" (to this day, I really have no idea completely who he is) to go over what services they would offer me. I was told that they would attempt to contact my lender and negotiate with them but, if that did not work, thye would get my original loan paperwork to determine if there were any vioilations. After this, we decided to retain the firm, signed a contract and worked out with Van to have the deductions of $500 made from our account until the entire amount of $2,995 had been paid. I was advised that once half of the retainer was paid, they would start working with my lender. Months went by and after many email correspondences with Van then Debbie Myler ([email protected]), Rexanna Borden ([email protected]), Lavet Smith ([email protected]), Fawn Sisson ([email protected]) and Roland Hairston ([email protected]) I had attempted to contact Lonn Feurer who I had spoken with a few times over the phone, who is in the Nevada location. He finally got back to me when I advised, after dozens of emails, that I was not satisfied with what, if any work had been done and wanted to stop the remaining 2 deductions from coming out of my account. This was in early August. He called and advised me that they were "negotiating" with my lender and "it takes time" and there should be a resolution within 60 days. At this point, I continued to wait even though my lender was still contacting me both at home and work and I was still trying to make payments to them. I had also began attemtpting wth my lender, in June, to modify my mortgage as well as in doing this would avoid them from constantly contacting me both at home and at work but also, should The Mortgage Relief Law Center be unsuccessful, I would have another option so that I do not lose my home. 60 days came and went without any phone calls from the firm but, I was in contact with Fawn during this time and advised her in late September that my lender had offered me again, to put the past due on the end of my loan if I made 3 months worth of payments on time. If I declined this offer, they would start foreclosure proceedings as of the beginning of October. I desperatly attempted to again contact Lonn at this point but, after numorous attempts of leaving voicemails with no response, Fawn put me in contact with Roland. I spoke with him October 7th again, advising him of this situation and after a heated conversation he advised me that they were close to a result with my lender and within 30 days my claim should be resolved. About 2 weeks after speaking with him, I was advised by "Jackie" that I needed to again give authorization to my lender to speak with them. I was puzzled as I signed this authorization back in May and was shown that as of July, this was faxed over to my lender. Again, I emailed this authorization to the firm and furthermore spoke with my lender directly who had advised me that to this point, nothing other than vefirification that they had recieved the 3rd party authorization had been done. No negotiations, no request for my paperwork, nothing. This is now going on 6 months with no result, no offer from my lender, nothing. I waited and needless to say, November 7th, which was 30 days after my conversation with Roland came and went with no phone calls, no response from either Roland or Lonn. I attempted again to contact Roland and was advised by him now "Brenda" had my file and he would be sure to have her call me back that day. No phone call, I waited and tried to phone her over the next 2 weeks. Got a hold of her finally and again, requested to know what was going on as by the end of November, I would have to sign a modification with my lender meaning that their firm could do nothing more for me. She advised me she has only worked with the firm for 2 weeks and the only thing she had done is contact the lender to again find out if the 3rd party authorization had been received. At this point, I broke down, told her everything that had happened and at this point, almost 6 months later, it is pointless to attempt to negotiate with my lender. I was out of time. I advised her to note my account and at this point, November 13th, I faxed over a letter to Lonn regarding this issue as well as over 100 pages of email correspondence I had had with his firm in Nevada as well as those in Arizona. I requsted him to review the documents and contact me regarding my refund as clearly nothing has been done by them other than me being directed to person to person, clearly being ignored and more than likely assuming I would just give up and lose this money. I continued to both attempt to call him as well as send him faxes daily for 4 more days without a response. I was advised by Roland that if I wanted a refund, I would have to contact who I made payment to. Obviously, I didn't pay a specific person, the amounts were deducted by their firm out of my account for services they never rendered. I have filed a report with the BBB in Arizona as well as contacted the morgage fraud division in Nevada and filed a complaint with them as well.
0 comments