we also call ed out of shear fear of loosing our home, and needed our payments lowered. we have been in our home for 21 years. my husband called the national mortgage help center and a good and fast talking con artist lead us to believe that they could solve our problem and because they worked with a calif bar associated lawyer (also a fraud) Abbasi and Associates that the modification process would run smoother with a lawyer in "your" corner. I would be typing all day if I wrote about ever thing they didn't do for us.However
during this process our bank stopped excepting payments from us. and started foreclosure procedures.(are payments were behind even before they stopped excepting our check) right away when this happened we faxed the letter and copy of our check. "Not to worry" there famous words, this happens all the time. "it is a bank scare tactic" after sending our retainer along with the first payment of 1, 250.00 on Nov 3 09
to our consultant. who was so believable. He said we would be assigned a coordinator.
just as he said Stephanie called. and had a list of documentation she would need. we faxed them and again some time went by. I called stephanie and ending up talking to "matt" who "worked" with stephanie. I informed him we hadn't heard anything in awhile. He told me that we need to sign and return (I can't remember the number on the form) it is in my pile of correspondence here somewhere) anyway this form was for the bank to request any tax returns they needed for the modification process. ok did that. One suday evening. I here from stephanie she needs the same form we just faxed to Matt. I told her we already did that. I also said to her you people must be so busy to work on a sunday, I hardly got a response from that except yeah. time passes all different people start to call about missing documents. documents I know and have proof of all Fax's. I would say to the caller I faxed that . In return I would hear maybe it just hasn't hit the system, if by the end of the day we still don't have it we will call. No call means documents are there. this happened on a number of occasions. more time passes and we get a letter from our lenders lawyer that our house will be sold at auction on march 1 2010. sent that letter to them. it's ok not to worry. last week before auction date. they had us crazy refaxing and refaxing. also trying to say the borrows authorization form and retainer was not there. Now I started getting mad our foreclosure sale is on Monday 1 and they still saying they needed documents that weren't there. confirmed by others they were, they weren't ...wtf!!!
I spoke with a so-called supervisor FRIDAY the 26th I was like a crazy person because on Thursday yet another name called and asked for yet other documents that they didn't have . I asked her what the hell was going on. Her reply was I know it must have been tough working with so many because Stephanie was let go from the company. Let go! why and where is our personal information. anyway, Greg the "supervisor" in his own words said I have my senior negotiator on the phone as we speak with your lender, to post pone for closer. It wasn't until this point that I found out that our lender never was contacted by Hope4homes Abbasi law until Friday theFeb 26th and the only thing they received was the borrowers authorization agreement, which was signed nov 2.
So again waiting for a call. guess what NO call. I called back and was told Greg was gone for the day I asked about the postponement and yet another person said don't worry again...our senior negotiator has taken your file home with her so she can call your lender at 5am calif time which would be 8am est when our lender opened. Monday is the auction sale date and now we have the weekend until we hear something. we heard nothing. last minute I wrote emails to city officials, non profit housing help line on sunday night and when monday morning came I had an email from RI housing to contact them asap. NOW I know about them and how they help and work with homes owners in trouble and they are HUD approved ...Learn from me don't pay any money up front this is a big red flag!!! forensic audit another flag. and you dont need a lawyer. anyway this wonderful helpful person did everything in her power to stop the sale. she asked the bank for only a 10 day postponement until she could get a package ready on our behalf for the presidents modification plan. The bank would not postpone this for 10 days...only 10 days. They were told by ri housing that we were trying and had all intention of curing our debt with them but we unfortunately was scammed and that the company that we retained did absolutely nothing. Bank didn't give a crap. would not postpone for nothing.
my husband and I came home to people gathered outside our house I guess biding.
so not only where we scammed, the banks who just got how much money from the government to bail out there ###'s after allowing mortgages and refi's to people who really could not afford what they were borrowing, and the president of the united states announced his plan for these home owners to help them save there homes and they wouldn't allow just 10 days so we could work with non-profit agency and put a package together to once again apply for the modification. all we needed was our payment lowered. and a chance to show we can handle our debt if we had a payment that would not be a financial stress. what now? NO HOME<21years and scammed and tossed aside from the bank who received money from the goverment to participate in President Obamas h4h. To me, this is crimal! After the sale had taken place I called Hope 4 homes Abbasi law I was told that it was our fault that this happened because of the documents that weren't faxed. At this point I completely lost it...after many words from me and them. the ###. I asked where is Stephaine..."Vic" said she was let go due to not uploading documentation. what? there is your answer stupid! Vic said he would call me back "tomorrow" after he found out if the bank has the house or if it went to highest bidder.
why I asked and he said maybe we can still do something. ok sure...no call from Vic
but I called him that was just another waste of time. He transfered me to Greg . a name I Iknow...Greg started about our documentation I told him he was full of it. I also said, if thats what provented them from doing there job as they claim, then go and
ask Stephaine where all our original documents are, if thats the story your going for. I also said I knew why she was let go, Vic had told me she was n't uploading the documents but Greg said she left the company because she had to take care of her grandmother who was very sick. Oh, I can see how Vic would confuse the two...OMG how could we have been so mislead. we are not normally stupid people we were just so distressed that we let our fear of loosing our home cloud are rational thought process. I dont care how, I don't care when but I will not rest until these people...each and everyone pays for what they have done. It is time that we stop being at the mercy of others it time to fight. fight the ### scam artist, fight the banks who are so corupt. Fight for our rights...how dare this happen to american homeowners, there has to be some recourse. and if there is not. Fight to put one in place.
do not call National mortgage help center...never work with hope4homes Abbasi and Associates. also known as M A Law Group out of Los Angeles CA
do call local nonprofit Hud approved agency...they will help and they help for free.
some good has to come from this. Otherwise evil wins. I can't let that happen.
so bottom line do not call National Mortgage help center!!! do not work with Hope 4 Homes Abbasi and Associates out of L A Calif. also they go by another name M A law Group. crooks, cons and ###!!! Call your states housing athority get directed to non profit organization ...No money...no scams ...they help homeowners, and it cost nothing.