In November we had a 2 month modification on our mortgage to help us over the Christmas period.in January we contacted Safe House after seeing an infomercial on them about getting a "permanent" modification as we were struggling financially. They assured us they could do this, even going as far to say they could get it reduced even further. We paid them their fee of $2,995. One of the things they said to us was you will not be paying mortgage while it is in negotiations so you can use that money to pay "Our Fee".
During January and February we were dealing with someone called Brian, who at first was in contact with us a lot of the time. Assuring us that he was negotiating with our lender.in March we were getting increasingly worried as phone calls and emails got no response from Brian. Then at the end of March we finally got someone to talk to, her name was Trudy and she told us that she was now handling our case as Brian was no longer working for them.
She told us that he had done nothing to secure a modification for us and that she had tried several times to contact us and we did not answer the phone. We have called ID and we know they never called us. She told us that she had managed to get a modification until July and that we had to start paying right away. We started to pay our modified mortgage in March.
In July we contacted Trudy again and she told us that she had got an extension until the end of September and to carry on paying. She told us that she would then go ahead and file for the permanent modification. We did not hear anymore from her and we just paid our modified mortgage, until October's check was sent back to us, with a letter saying the terms of our agreement had expired.
We called again to Safe House who were by this time going under a different name "Certified Financial". We asked to speak to Trudy and were informed that she was no longer working there... Seems like a pattern to me. We were then told our case was being dealt with by Carolyn, who proceeded to tell us that they had tried to contact us for the last 2 months and we would not answer the phone, which is all lies!!!
We told her about the check being returned and she said that was because we did not have a permanent mortgage modification. So for the third time we had to fax our pay stubs, bank statements, etc, etc all which costs when you do not have a fax. This was on November 2nd 2 weeks went by and nothing from them. We called and she said why didn't you send back the power of attorney, I need that to talk to your Mortgage Lender. We told her we never got anything from her. She said I emailed it to you 2 weeks ago. She then proceeded to tell us the email address she had sent it to. Which was for someone else. Her response was "I must have been having a bad day!"
She emailed while I was on the phone to her and we got the power of attorney to sign. I was not happy that someone else got the other one with our social security numbers on it!!! We faxed back the signed form.
November and December came and went, and We called again in January as by this time we had received notification our home was in foreclosure. She told us to fax her the papers and she would call our lenders. I asked her then about the arrears on the mortgage. We owed January and February, October, November, December and January by this time. I told her that they were going to want the arrears, her reply was it does not work like that when you are in modification process.
She did call us back and tell us she had spoken to our lenders and that they do not ever do a permanent modification, so why after a year did they only just find this out. She told us that something was not right on this and that she was going to file a complaint with the federal government. I told her that we were afraid of losing her house, and she said " Well you can always file for bancrupcy"... Her parting words to us were, "stop worrying and have a little faith" I asked if we should talk to the mortgage company ourselves (as all through this process we were told not to talk to them) She said "No, it would only ruin anything she was trying to accomplish"
So, we gave her one week and then we tried to contact, 2 emails and several phone calls, leaving messages, no response. We have to wonder if she has gone the same way as the other two. We finally called our lenders and told them that we were through letting them deal with this for us.
We were in some ways fortunate in that the months that they told us not to pay we had put away that money. Our mortgage company told us that we could wire them the 8 months arrears and that would stop the foreclosure. We do still owe money as the arrears, late fees and lawyer fees are still there. They told us that they would file for a 6 month modification, and then another 18 months after that.
I know that others are not so lucky and we are interested in getting together with anyone who wishes to get back their money from them. Our lenders told us that they should not have charged us for their services. We are prepared to stand up with anyone that wishes to get these scammers out of innocent peoples lives.
Please get in touch!!!
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