This company started soliciting my business in Nov. I do not know how they obtained my records. I never contacted them for help. I gave them financial information. They asked if my home had been refinanced & I told them yes. They assured me that the could get my modification approved. I told them that I had file 2 times before & been declined both times. They said that we do not know the proper way to file & that they are the professionals & could help me get it approved. I finally gave in to their help. I was vulnerable & desperate to keep my home. They assured me that my payment would be lowered by half. They also said that I would be refunded if they were unable to get me approved. This is why I agreed. They immediately emailed me a contract to file. They stayed on the phone & told me where to initial & sign. They were also briefing the contract as I initialed. The next step was getting an electronic payment. The sooner I paid the sooner they could get me approved! They then emailed the forms for me to fill out & told me to call with any questions. The papers were basically the same information that I had file on my own previously. When I called & spoke to Parker Vinsen he told me the same thing that the sales people told me. That they would rework any areas that needed it before faxing to my bank. Throughout the next several months I called them to find out the status. They were very hard to reach. The phone would ring & ring. I would be transferred around & disconnected. Parker's voice mail was always full & he could not accept messages. When I would get through to him he would tell me to call my bank & follow up with them. All they did was fax my papers to Chase Bank. Parker was also very uninterested in my concerns. They had my money & they were done. I see that now. My loan was decline in March. The reason the bank gave me was due to my refinance.in the state of Texas when you refinance this changes your loan from a mortgage to an equity loan & Loan Modifications can not be given on an equity loan in Texas. Financial Services should know this. If I were in another state perhaps I would have been approved. It took me many calls to finally get somebody to send me a refund form. Amber Penrod said that it could take several months to get my refund. She is Parker's assistant. I sent an email today wanting to know when I would receive my refund. Parker called me back & let me know that I would NOT be getting a refund. He said they never told me that they could get me approved or that I would get a refund. He told me to refer back to the contract I signed online. This is Loan Modification Fraud. I was scammed. If there is anybody out there that would like to be part of a class action lawsuit against this company, please let me know! I am going to start contacting attorneys immediately.
0 comments