November I called Household Relief to soliciate their services to help be obtain a home loan modification. I am a single mother and ever since the divorce of my husband I have been struggling to pay my monthly morgtage on time.
Household Relief was very friendly and helpful, they promised they could lower my morgtage from $1200 a month down to $700 a month! They also explained they could remove my ex-husband's name off of the loan with this same modification. Household Relief said all I had to do was pay them $795 to run my loan through their auditing system then they would do the rest. They explained they would contact my lender for me and walk me through step-by-step the modification process. They explained the process was very complicated and that lenders did not like to grant them to regular people, that is why Household Relief is in business to provide this service.
After I recieved this sales pitch, I was excited to get this complete and start saving money, but I was still a little skeptical. So, I researched Household Relief a little more and I found that they recieved an A rating from the BBB. That was all it took for me to be convinced because I wanted to keep my home so badly.
I gave Household Relief my $795 (draining my savings) on November 5. Shortly after i began to recieve e-mails from my "account manager" Mike Smith. He would notify me of documents I needed to send into him in order to get the process rolling with my lender. These documents consisted of bank statements, tax returns, W-2's, paycheck stubs, etc...
Shortly after I began faxing these documents I began recieving e-mails from Bianca Sarbu stating that she was now my "account manager" and I needed to send the same documents to her. I questioned why she could not just collect them from my previous "account manager"
One week after, I recieved e-mails from my THIRD "account manager" John Hakola. He also stated that he needed the same documents I had already sent in.
After the holidays and the new year was underway John Hakola began asking me for more documents, stating that my lender was asking for the most recent bank statements and pay stubs. He also then urged that it would be a good idea to not pay a couple of months on my loan. That this will make my hardship more believable and I would have a better chance for my lender to approve the modification.
I continued to send in documents and question what the results of the $795 audit. Household Relief would either dodge my question or tell me they were getting a new and improved auditing system adn it wasn't ready yet.
I continued to send information in to Household Relief and I continued to get the run around from them.
I finally called my lender up in the beginning of May and they told me that I had been denied a loan modification back in March because all of the correct documents had not been sent in! Further more, I learned from my lender that the only way to remove someone's name from a home loan in Texas is to re-finance the loan into just my name!
I immeadiately contacted Household Relief in May and did not get a response from any of my three "account managers".
In June I filed a complaint with the BBB, and they closed it because Household Relief stated they would contact me and work with me to get my money back.
Since then I have tried to contact Household Relief, and nothing works! The two phone numbers I have for them do not work (1-866-344-2710 and 1-800-642-8360) none of the e-mail addresses are working anymore, and their website no longer is working (www.householdrelief.org).
These people scammed me out of my entire savings, promising they would save my home for me, and there is no telling how many more hard, working Americans they did this to!!!
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