Apply2Save / This company is a fraud!
They use misleading tactics to get you to agree to use their services. They claim to have 100% success rate with Countrywide and say they are contracted with them so there's no way to not get the modification done. They told me I could set up two payments ahead of time and once I do that they will start the process right away by contacting Countrywide. The rep I had been speaking with told me lie after lie. Once you set up the two payments things change and stuff doesn't get done and is passed from person to person. I submitted 25 pages worth of info in a fax and several days later was told it was never received. Then, to stall things even further, they ask you to keep providing more information that wasn't necessary. I knew deep down I was being scammed. They tell you not to talk to your lender, so that's a big red flag. I called Countrywide on 12/2 and 12/8 and was told they had absolutely NO RECORD of me being represented by Apply2Save. Of course, I was suspicious so I started keeping on them about what could I expect as the next step and asked questions. She even asked me to sign and return a form that wasn't in the file I received. (And they're supposed to have so much experience??) The rep got tired of me calling her on things and asking questions and it was the last straw for her. She called me and was belligerent saying how much time she's put into my case and how I don't appreciate it. If she spent all this time on it, how come Countrywide STILL did not have the Authorization form that was supposed to be faxed to them weeks earlier. She said she was cancelling my contract. I said that isn't possible since one payment of $500 went thru today. She said she would refund it and then hung up on me. I received an email a few minutes later saying she did cancel the contract and good luck to me. I emailed back to ask about the refund she said she'd do. She wrote back and said she submitted it to billing and had no control over whether we would actually recieve the refund or not.
I have read several other stories on the internet from people who have had the same experiences with Apply2Save. Unfortunately, I wish I would've read them before I got involved with them. They don't care about people who are losing their homes. They will take your money and run. Please do not use this company!!!