I can' t believe we got scammed!!!
A friend of ours told us about Legal Modification Firm who really helps people. After doing some investigation work, this firm looked very legit. They had an A rating on the BBB, we knew of a person who actually got a modification and their website looked good.
We started our process with Christopher Persaud in November. We were approved to be a good candidate for a loan modification.in order to start the processing we had to pay the fee of $2500.00.
In December our file was sent over to processing department where the nightmare began!!! It was hard to get in touch with, no one answered the phone or returned calls. When we did get through they told us they started negotiations with our bank.
But they told us not to contact the bank because we could provide wrong information and put the modification in danger. After speaking to them, we got a letter from our lender that the firm rquested 3rd party authorization. So we had no reason not to think there was anything wrong.
But February came and gone and hear nothing.in the beginning of March we got a phone call from a girl from the firm asking us to send the last 4 pay stubs for final review of the negotiations. So we still had nothing to worry about. April came and we heard nothing.
So we thought that was weird. So I start calling different numbers I had. No one answered. Now I started calling 20 times a day, everday and leaving messages. We hear nothing. So I decide to call our lender and they said they have nothing from them since the 3 rd party authorization was done back in January. Now we had no way to get in touch with them and out $2500.
What to do, I checked the BBB to see what was happening. Oh my God... I am reading reviews from others in the same situation. So I wrote my review as well.
The next day, I get a message on my BBB account from someone saying he was Christopher Persaud. So we got in contact with this person on 4/21/10. It took several days but we got in touch with him.
But we first talked to his personal assistant, Paloma Rodriguez. She explained to us that it was some of the employees and he was not aware what was happening. He has started a criminal investigation.
She also said he could not give us our money back because he does not have it and our file is not there. But he would take care of our case for free. Well we did not believe this.
So the next day I went to the bank and got a copy of our returned checks to see who and where they money went. To our surprise, it had the signature of Christopher Persaud and his bank account.
So immediately we called him and of course we coud not reach him or the assistant. We left messages. We tried again that evening and we got in touch with both of them. He talked with us and agreed that he would take care of our case.
All of the sudden our file showed up! He talked with us and made agreements, which he never followed through with. From 4/21 until today 5/22, it has been another nighmare!
They told us our file was in the underwriting stage for 2-3 weeks. We never heard from Christopher Persaud at all as he promised. Their never answered their work and cell phones. Their cell phone mailboxes were constantly full and we could not leave a message.
So I started using email. Persaud responded to my email when I said we never heard from you. He told us his assitant was just finishing the underwriting on our file. I asked him where is the online status check. He told me he set one up but it never worked. Then he said he would look for technical help, but he never did.
The next day 5/14/10 I get an email from his assistant stating that the underwriting phase is done and she will send me copies by Monday 5/17/10. Here went by Friday, the weekend, and Monday. I recieved nothing!!!
So I start my usual calling... No answer. I tried again at the office later that evening and somone answered. He told me they left! They moved yet another time! Now we had no way of getting in touch with them.
So I immediately try all the other numbers, cell phones, nothing! What to do now. I go on the BBB to check and see if Persaud wrote to all of us that he was moving and not to be alarmed. No, nothing there.
So I wrote an update that he has picked up and moved again and nothing was done with our case. I knew Persaud was reading this site all the time. So I wrote to Persaud we are done with all this craziness and we are requesting an immediately full refund since he never did our loan modification and we have proof he has our money!
On the BBB other's starting writing the same thing and new cases started showing up. You won't believe what this man has done to all of us. You can read it on the BBB. This is really bad!!! He is telling us what we want to hear so he can buy time and we do not report him to authorities!
Please do not use this firm for anything!!! It is a huge scam and MANY innocent people are losing their houses and money because of him.
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