Lincoln National Group promised me that I would get a Mortgage Modification of at least $400.00 less then what I was paying. I sent them $1,800 in Oct and enough paperwork to get a Masters Degree in both Finance & Literary Arts.
After 2 months went by with no results I was asked to Re-submit my paperwork a second time. I waited again and in Feb was contacted by Bank of America by phone which they left a message for me to get back to them. When I called them back I could not get through to the contact person. (No Voice Mail) After many attempts I finally got fed up and contacted another department that told me to call first thing in the morning or late at night. So I called first thing the next morning and got through.
The person Viola Floyd asked that I send her more documents (the same ones I had already sent through Lincoln National Group). So I contacted my mitigator Doreen Ford by email because she was never there to answer the phone and asked that she contact the BOA contact.
Another month went by and I contacted her again by email and she said she never got through to the contact. I asked that she try again first thing in the morning and report back to me immediately if she was unsuccessful. She made contact and was told that the file had been closed a third time and that I needed to send in all of the paperwork again.
I pulled all of the info together a 3rd time and sent it in along with a letter stating that I was not happy that they were not doing there job and that it was taking to long to get this process completed.insisted that they stay on top of things or refund my Guaranteed $1,800.
The next day I got a blanket email stating that they we broke and filing for bankruptcy protection. To this day I have still not seen anywhere that they actually filed for bankruptcy and did find out that they are not at the address listed anymore. I suspect that they are moving to a new location under a new name and start ripping more people off again.
I am now working directly with BOA and we are about half way through the process in just 1 month. I suggest to everyone to do the same. It takes a little time to put all the info together that they need to process your claim and then only a few weeks to determine if you will qualify. If you do then they put you on a modified program to see if that works out for you.
Do Not Pay Someone else, Do it Yourself and Save!!!
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