Legal Loan Review (LLR) sent me a refinance letter for the Federal HAMP (2009 Home owner affordability and Stability Plan) Loan Modification. They stated in the letter that they would get me a modified loan amount of $203,756, with a new fixed rate of 2%, and a new mortgage payment of $753, if I qualified for the program. They stated that the this particular program provided for third party representation for mortgage holders to obtain loan modifications. I worked with to Verna Follman and Luis Casillas, Rita Daoud, and Fernelly Sarria thrughout the loan modification process. The bottom line is they all told me I qualified for the FHA loan modification program. Between October 26, and March 26th. I was told they had submitted my loan papers to PHH Mortgage (my current lender) and that the loan modification was in progress.in March, I called PHH Mortgage and found out I did not qualify for the FSA modification. LLR defrauded me by claiming I qualified for the loan mod, when in fact, I did not. I was told by Verna Follman that I would get $2499 of my original $2999 as a refund if I did not qualify. Verna follman told me when I last spoke to her that she would make sure that I got my refund. When I called on April 19, I was told Verna had left the company, Rita was not available, and Luis was no longer speaking to customers. I have a digital copy (pdf) of the original loan invitation document (s) LLR sent me, and can send it to you. I made it clear to Verna that I was only interested in the specific rates and loan amount they promised, if I qualified. I DID NOT QUALIFYTheir phone numbers are: 888-410-8098,714-919-7200.505 S. Villa Real Dr, Suite 100, Anaheim, CA 92807 866-404-4141 fx 714-221-1066Refund me $2499 of the original $2999 paid, as per their refund policy. They did not obtain any agreement for me with PHH the lender.
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