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123 Fix My Loan took $1, 600 from me and my family and did nothing to help us. I called to say I wanted my mortgage payments reduced, I was told by Brett that 123 Fix My Loan could help and he even stated that the"WORST CASE SCENARIO" is that my loan would be reduced by a mere $100. Funny how they dont seem to have THAT part recorded. I told Brett that I already talked to my mortgage company to see what programs they had available and they would only qualify me for a Loan Modification, meaning they would take the past due ammount owed and put it on the back end of my mortgage then have me pay EXTRA per month to satisfy the debt owed. I declined my mortgage companies offer to seek out an alternative route. This route led me to 123 Fix My loan. After receiving my payment of $1, 600, all Brett, Amy, Adam, and Glen at 123 Fix My Loan did was get me a Loan modification from my mortgage company. THE VERY SAME THING I ALREADY DID MYSELF AND AT NO COST TO ME! To make things worse, not one of them would return my phone calls to clarify what I was hoping would be a loan reduction. Even after leaving numerous messages to 3 different phone numbers they gave. Got so bad that I finally had to call the main number knowing there would be someone there to answer my call because thats what they do, ...they wait for that main line to ring so they can prey on the desparate and less fortunate people who are looking to find a way to help better their lives in tough times. Yet they refuse to give me back a refund stating that they got my debt restructured as they promissed, and that I agreed to their terms and conditions before hand. Now I have to pay an additional $55 per month for my mortgage and I also lost the $1, 600 they STOLE from me that I needed to use for my mortgage payment. Please listen up and be aware, ...ANYONE CAN GET THEIR OWN LOAN MIDIFICATION THROUGH THEIR MORTGAGE COMPANY WITHOUT HAVING TO PAY A CENT FOR IT, ...JUST CALL YOUR MORTGAGE COMPANY AND REQUEST ONE. Good luck to all who deal with or have dealt with 123 Fix My loan, because I feel your pain.
They took my money and said they are working on the modification and lied. I got a summons of foreclosure. Which I had to retain a lawyer for. The last thing they me me was to pay a certain amount to my bank for my mortgage payment. The payment was return from my bank, and 123 fix my loan won't even answer my calls or email. They sent me a letter saying they have restructured, and now customer care will handle everything, they literally cut me of as of April 20, 2010. They got $2400.00 from me, I should have known better!
To original comment. You got your loan modified! That is what loss mitigation firms are contracted to do. Noone gaurantees specific payments. The problem is that you don;t like your new payment and you feel you deserve a refund. You don;t deserver a redund, 123 and other good companies are not a scam. People like you are what make this industry look bad. Get a clue before you make outragious claims.
I was in the same boat. Hired them to fix a split loan. What would take 3 months I was told ended up taking over 5. When I finally got the modification, the numbers were not correct to what I had been told. And this was after playing them $2, 000.00 ... When I filed for a refund it was declined. I called the state banking commission only to find they were not allowed to act as a debt collector in my state in the first place! Bigtime scammers! I hope they all are happy knowing that they have taken desperate hard working people's money for their own ends ... and when the come-uppins happen I want to be there so they can see into my face and watch the glee as their deeds are repaid to them.