US Loan Auditors review: Company reviews 884

Zem, I understand that sandison filed personal b.k. and of the 2 usla companies, one was chapter 7 and the other 11. not sure which is which.
I havent received anything from the bankruptcy court. have you or any others out ther received anything to stake your claim?

thanks

My US Legal and Sandison also have bankruptcycCourt hearings next week. Not sure they will be there. Tuesday Jan 18 at 9:30-- US Bankruptcy Court 501 I street, Sacramento. Court Room 32.

Bankruptcy Hearing for USLA. There is a creditors meeting on Wednesday Jan 19 at 1:00 PM for US Loan Auditors. It's open to the public and will be held at -- US Bankruptcy Court 501 I street, Sacramento. Room 7 A (7th Floor). If you paid money, US Loan Auditors must answer your questions under oath.

ddiner. I had a 3 hr phone interview with the AG. Learned a lot. They were not aware of this board so I explained in detail.
I asked oaktown4 to copy the brief info I sent him, to forward a copy of it to u. not sure if I should post the new found info or not. get back to me with your thoughts on that after you receive the info from oaktown4 thanks

Wow that is a compelling story. So sorry about all of your losses. I hope your meeting went well as I believe a day has passed since your posting. I am sure glad the AG's office is doing work on this! Very doubtful anyone will see money back(just my opinion) but jail time for those who deserve it would be justice if you ask me.

Athenia- would love to hear more about your meeting. Not sure if you can post anything about it so please let us knw anything you can without jepordizing anything!

I have been away from this postings for a little time now and have read the pages from 43 to 45. I dont know any of you out there, and I have posted in the past as well as private mssgs with steve and cheyenne12 and some others. I can tell everyone that we are probably the most hurt victim of USLA by far. Lost about $50k paid to them (even though someone else lost $55K?) Lost more than $5 mil in real estate (multiple properties) that we were told not to make payments on so that the lenders would be squeezed and if we made payments, we would be legally breaking the T.R.O. and violating the law, told not to have ANY contact with ANY of the lenders due to the TRO, have spoken with Pulvino and Sandison many many times, complained to them about the same things everyone else here has stated as it was happening to us as well, (Sandison always denied and covered employees actions) Sandison even admitted to me, as so did Tony Coleson? in accounting that they owe us money back for work not performed NEVER GOT THE $ BACK!.
EVEN IF WE WERE TO GET OUR $50K BACK, THE DAMAGE THAT USLA AND ALL OF THE WASTED TIME WE SPENT CONVERSING WITH THEM AND TRYING TO REACH THE LAWYERS ASSIGNED TO OUR CASES, OVER 1 YEAR (TIME IS MONEY TOO!) CAN NEVER MAKE US WHOLE AGAIN! The devastating damages to our income resulting in loss of properties and time taken from us as well as the stress of all of this, is just beyond belief. Sandison told me himself, that the lenders and the lawyers (he was referring to the USLA appointed lawyers ) were the parties responsible for the damages they we suffered, NOT USLA! SO, I guess that applies to every single VICTIM of USLA?
We are one of the very first clients, er, Victims of these Scammers and have probably more documents and info for the A.G. than most. We will be speaking with the A.G. tomorrow in a pre-scheduled interview with a 1 1/2 hr time slot scheduled. I am going to tell them everything, supply them with every document we have and we have kept records of almost every phone call, date and time of each with USLA, and the representing lawyers, along with phone conversation notes (verbatim in a lot of cases) We have spoken to more than 20 individuals at USLA over the last year and all is noted, emails are abundant. The employees, we feel, did know what was going on. I hope for everyone's sake, that even if there is now money coming back to any of us, at least these [censor] get long prison terms and that they lose everything. They didn't just take everyone's money upfront, but kept on taking it monthly. That's worse than some loan mod scam artist. By the way, sad news. The A.G. froze assets, but only $200k left when they finally got to it. Where is the damn money? If we were back in the Western days, the bunch of them would have been dealt with properly and justice would have been swift. We can only hope that justice prevails here and that we all get our money back or something from their pockets. I dont think any of us can be made whole from this tragedy. Anyhow, I look forward to fully cooperating with the AG tomorrow. will report back soon!

A case like this one will cost a fortune. It will not be free or cheap!

Here is the website to the NEW attorneys representing USLA- Pulvino/Barker/Sandison
http://gmlawplc.net/index.html
I wonder what this is costing them and where they are getting the money to pay for this?
I thought their assets were frozen?

Same story. At least they were kind enough to put the BBB link dead top center.

http://www.forensicloanauditing.com/individual.html
Can someone please check out this website and tell me what it reminds you of! It has alot of similarities of USLA's website.

So check this out I received a call from one of the lawyers that were working with US Legal and they are claiming to pursue the cases for us for a monthly fee. Has anyone heard of this?

So I heard through the grapevine Nic Lucia from US Loan Auditors runs Nationwide Loan Audits. There are a few scammers from US LOan Auditors there. I actully met with Howard Munster and he acted like this program was meant for me. Seems like once he got my check he disappeared. Hes a loser. So stop in at the Nationwide audits location and visit your ex USLA workers ... See u soon Howard

Ya, I blew a fuse when I 1st read it was stayed. I read the minute order. Ditto on Outstanding.

Very Outstanding!

oaktown4, I saw this too! All that I can say is OUTSTANDING!

It's funny how US Loan Auditors says the attorneys looked at the Attorney Client. We were told the Attorneys rarely even look at them. Some even questioned then Why Are we doing an Audit? Why are we even typing up this attorney Client? Good Question?

Who knows about nationwide and Jarod lamar?

I know one thing if I don't get my deal etc on everything I am turning everything over that I have to the federal authorities and state and there will be criminal and civil charges pending in my opinion. There trying to get there money first but after this I heard some people are going to get locked up.

There is money and a lot of it left you figure 12, 000 clients approx each month bringing in money plus audits do the math for approx 2-3 years plus they still have money coming in at least they did

Thank you sixela

Todays court date didn't really have much to do with the Bankruptcy and had everything to do with their assets and the accounts being frozen. I believe the judge was actually on the AG States side on this one. I went to court today and I don't think it was in favor of the defendents. This is not bankruptcy court, and the prosecuters did a great job calling the crooks out today.. Way to go! Why the owners didn't shoe up mmmmmm... Doesn't surprise me...
Attorneys for usla wanted the judge to unfreeze the assests but the judge didn't rule on it and wasn't going to at the moment.. How could she, she doesn't even have proof that bankruptcy court will take on usla's case it's just in process. It could be thrown out.

Well thank you for the update Barkley123
I spent all day pissed off researching this stuff thinking there is just no way this can be happening.

ATTORNEY GENERALS OFFICE SHOULD BE FILING A LIFT OF STAY

The U.S. Supreme Court said in Cohen v. de la Cruz, The Bankruptcy Code has long prohibited debtors from discharging liabilities incurred on account of their fraud affording relief only to an honest but unfortunate debtor.

The burden of proof lies with the creditor of proving non-discharge ability by a preponderance of the evidence. Though, one need not prove a specific incident of misrepresentation.

The Seventh Circuit Court of Appeals, in McClelland v Cantrell, determined that actual fraud is broader than a false representation. The Court distinguished between the two types of fraud, as both were elements of Section 523, hence, one must have meaning different from the other, or only one phrase would have been used in the statute. The McClelland court adopted a broad concept of fraud rather than a specific definition. The Court stated Fraud is a generic term, which embraces all the multifarious means which human ingenuity can devise and which are resorted to by one individual to gain an advantage over another by false suggestions or by the suppression of truth. No definite and invariable rule can be laid down as a general proposition defining fraud, and it includes all surprise, trick, cunning, dissembling and any unfair way by which another is cheated.
When it comes to fraud, the Court knows it when it sees it.

B. Debts Not Dischargeable

198. See SEC. 86, supra.
Sec. 98. Debts Not Affected By A Discharge

A discharge in bankruptcy releases the debtor from all provable debts, except (1) taxes, (2) liabilities for obtaining money under false pretenses, or for willful and malicious injuries to person or property, or for alimony, or for maintenance or support of wife or child, or for seduction, or for criminal conversation, (3) those not duly scheduled where no notice to debtor, (4) those created by fraud, embezzlement, misappropriation and defalcation.

4) Debts not dis-chargeable if they are "liabilities for willful and malicious injuries to the person or property of another."

To come within this provision the injury must have been intentional, otherwise it is a dis-chargeable liability.206 Thus it was held that where a debtor built a fire in the street and after he had left it supposedly extinguished and a small boy's clothes caught fire, and he was burned, there was no willful or malicious injury and the liability (which had been reduced to judgment) was dis-chargeable.207 And where a person illegally drove a car while intoxicated, and in so doing injured another, the liability was discharged, unless he willfully or intentionally committed the injury.208

But if the injury is WILLFUL or MALICIOUS there is no discharge, as, for example, a judgment for assault and battery.209

So with the the above being said and the declarations filed. HOW IN THE WORLD DID THEY GET THE ACTIONS STAYED.

More proof that it's not what you know it's who you know.

I thought the stay was granted too, but a later order seems to have lifted it. By my reading, the suit can continue, the injunction is ordered, and the bankruptcy has no effect on the proceedings.

All part of the scam
The best we can hope for now is an employee to find bankruptcy fraud and report it.

http://www.justice.gov/ust/eo/fraud/index.htm

US Loan Auditors filed for Chapter 11 bankruptcy reorganization on Dec. 2 in the Eastern District of California in Sacramento, listing less than $50, 000 in assets and between $50, 000 and $100, 000 in debt.

A negative in profit for pushing paper and lies. I don't believe it.

Well it looks like the judge's rulings reflect that the lawsuit from the State is stayed due to Jim Sandison, US legal and US loan auditors filing bankruptcy! This sucks!

Thank You LuckyDog1973 and sixela.
YellowBoy ask the questions so he got got the truth.

lsmith68,
Lawsuits already filed. File your complaint at:

http://ag.ca.gov/consumers/general.php

My husband and I are also victims and lost our home to foreclosure in October. We are out $11, 000.00 and our home. I hope these crooks get what they deserve. I feel they owe full refunds and for those of us that actually lost our homes a refund on the worth of our homes. I am disgusted with this company. I made numerous efforts to contact them with nothing but BS on the other end. I even contacted the so called Director of Operations Laura Souter, she is just as guilty and worthless. Please direct me on who I need to contact to include ourselves in this complaint. We are from Bakersfield so they got further down the State than most realize.

Steve, Sorry to hear. I hope the best, I hope every clients gets back some of what they lost. I know it's not everything but I hope it's something..

Sorry to hear your story, Steve. I hope the best for you in the future.

Sixela, Foreclosure left me to move to San Diego living on floor in family spare bedroom. I wanted to keep it quiet because I can only imagine the look on USLA's faces when they go to court. I really would love to be there.

YellowBoy, Zero down? No I put $64, 000 down on a principal. Cash out equity to pay off cards? No refinance. I got nothing. Unlike you I trusted. You see, in 2006 I looked for a sweat equity project in which my girl friend and I busted [censor] nights and weekends for two years bringing to par. In fall of 2008 the media announced bad loans. Yes, I called and tried to work with my lender with no response. I hired a mortgage broker who also was a mortgage rescue company and yes he did nothing (I turned him over to the FBI mortgage fraud task force). I then hired an auditor who demonstrated the fraud was in the loan application. We sent a Qualified Written Request to the lender who stated they are the loan servicer and not the originator. We request copies of loan docs from the Title Company who has nothing on file of my loan. My auditor could do no more. I needed a lawyer so I called USLA for help. An employee at USLA told me to go back to my brokers office for a copy of the loan application which was missing from my closing docs. I did go. The loan application had my brokers signature on it and not mine. The income was doubled. This demonstrates how these loans were designed to fail. This is FRAUD. My taxes have always been done by my accountant firm for approx. eight years. My broker had my taxes. I relied on USLA to help. They did nothing but B.S. me past the auction date. I never once got the chance to speak to one of their attorneys. I went to my county D.A.s office and right away she noticed the loan app. was not signed. To date I'm told, she can not get the Title Company to release any documents but there are too many cases ahead of me involving rich people. So she says the state can not afford to deal with a poor boy like me. The Department of Real Estate is still looking into my broker. The Department of Corporations in still looking at my lender.
So if you really need to know me, this all ended badly. I lost my deposit, my savings, home, and the girl I intended to marry and have a child with. It's all gone. Due to financial greedy con artists out to seek a commission off the hard working service people of America-AKA "stupid borrowers". I've got nothing left, so I soon hope if you were a part of it that you'll someday you'll know what it feels like to have everything you wished and worked for be taken away and you to be called a stupid borrower liar.

Right, why would anyone just follow this case and then be concerned about employee names? Are you with "protect the liars club" ? Maybe if we post names address phone numbers and the works, they will think twice about hurting others. Most of the con artists walk free, move on to the next con and play dumb at the end.

LuckyDog2009. My intent has never been to fool you. If you feel disrepected or I offened you then my apologies. I have been following this post since the complaint was filed in Oct and only commented becasue I felt many of you were crossing the line. Posting employee names, emails and personal numbers isn't how this should be handled, in my opinion. You DO know that they were filing many of these cases with what they called cookie cutter complaint templates. What better way to keep your employees in the dark than to show filed cases. Maybe they did know and maybe they didn't know. WHAT i do know is that Jim sandison's facing both criminal and civil cases. I DO know the company filed BK which is pretty much adding insult to injury for clients. As far as reading what i write. That's funny seeing as how your post with "my meth nose" screams 8th grade reading level. You continue with your rants and I'll sign off and head to my daughter's recital. Good luck tomorow AM.

And to losthouse. The reason it was postponed was due to the BK. If you really want to follow this case then simply go to sac superior courts online and look up case#34-2010-[protected]. You'll find all the facts and get a better insite than this blog provides

yellow boy, your not fooling any of us.

yellow boy wrote, "If I was an ex, like ddinner or sixla and whoever esle is on here, why would I give credit to a protester or want people to show up at the court house?"

Read what you write.

do you know why it was canceled?

Lucky Dog and Steve Did you guys go to the cancelled hearing today? Will you be there on the 17th?

No, LuckyDog2009 not an ex employee and I don't feel good about what happened to the group of people who've been swindled. Over and over and over. Who and what I AM somone whos been sold a bag of goods for a product I've purchased in the past.(damm that slap chop) Here's the diff. I learend from it and pointed the finger at myself first then went on to know that it was NOT my place to judge. Karma took care it of it for me. If I was an ex, like ddinner or sixla and whoever esle is on here, why would I give credit to a protester or want people to show up at the court house? I'm not here to argue with anyone, but I do notice that very few of you here have mentioned real names of individuals listed in the declarations. I've only heard one of you mention "tony stercl" and that was it.(besides jim, jeff and his other brother jeff. Or was it jim, I forget.) There are employee, client and YES even "undercover" declarations that outline this CON from start to finish. I haven't heard Tereasa Hoffer's name or Renee neilsen or Emit Lucero. These and other EMPLOYEE names are inclueded in the "legal" docs. And yes I did use names. By the way Roland's my stage name, but only today. Tomorwo's post I think I'll be tish braizer and then the next day I'll be paul stein. It doesn't matter, what does matter is that in this world youre either predator or prey. Which one are you, because I refuse to be the latter.

Is yellowboy: Roland Sison?

YellowBoy, you spit the same ex-employee crap, now shift the blame to the person that got conned. Most of you [censor] holes were the ones selling the bad loans. Shame on us for trusting you [censor]s. But then when the [censor] lost their loan shark jobs, they moved on to Sandison and barker pulvino and the gang, and took advantage of people again, a lot of people scammed were those that don't speak English really good. You act like we deserved what we had coming for taking out these loans and buying a house we didn't belong. If we deserved it, then our punishment was losing our home, not you taking more of our money. And that justifies the con. Most of us here are angry because we lost money. So which a-hole are you? what was your part of the con? Is your money going away fast up you meth nose?