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Beware of Home Protection Group (HPG). These people are nothing but con-artists. They convinced me into believing they were going to lower my mortgage payment by conducting a forensic audit on my home loan. There website disclaimer clearly states that they are not a loan modification company, but when I consulted with them they assured me they could reduce my mortgage payment. Sound like a modification to me! They had me fill out and sign an application giving them the authority to request my original loan documents from the lender. There was no up front cost. I didn’t have to pay anything until the forensic audit was completed. HPG told me, while conducting their investigation, if they were to find any discrepancy in the original loan documents, they would go into aggressive negotiations with my lender. Practically forcing the lenders hand into lowering the principle balance owed on my home to what the current market value is today and also lowering the interest rate on my loan, resulting in a 10 to 30% reduction in my monthly payment.
Well that sounded great to me, because I was then and still am current on my loan payments. I don’t qualify for a loan modification because I am able to make my payments. There are some loan modification companies out there who have their clients intentionally hold back payments so that they can show a need for the loan modification programs. HPG markets their program to home owners that don’t want to ruin their credit. HPG told me due to the fraud committed by the underwriter my case would be resolve in within three months.
HPG did contact my lender requesting information about my loan. I know this because my lender contacted me inquiring why HPG was requesting my personal information. HPG instructed me not to discuss anything with the lender because their Attorney’s were handling my case and that anything I discuss with the lender would complication the negotiations and my possible lawsuit. At that moment, I felt comfortable and confident that HPG was a legitimate company looking out for me. Later I would regret my decision
Shortly after my contact with the lender I had received an email from HPG congratulating me on qualifying for their Home Retention Program. Here is the letter:
Congratulations! Home Protection Group has reviewed and accepted your application as a candidate for the Home Retention Program. Our company feels you have a strong case, and we would be honored to work with you in solving your mortgage situation.
In order for us to move expeditiously forward with your file, please check with your Processor or myself to make sure your payment for the Service Fee is made in full. At this time, only bank-issued cashier’s checks or bank-issued money orders are accepted and they should be mailed to
ATTN: HPG Accounting Department
20955 Pathfinder Road Suite 200-22
Diamond Bar, CA 91765.
www.my-hpg.com/
As soon as your payment is received, we will immediately initiate our legal process on your behalf and keep you informed of the status of our actions.
As your Personal Assistant, I will be your point of contact working together with your Processor to guide you through our process. Please forward all legal paper work and/or notices from your lender(s) as soon as you receive them to your Processor and to me ASAP. There are legal procedures that we must follow in a judicious manner; therefore, it is essential that we have current information in order to act accordingly and in a timely fashion.
If you have any questions, please let me know. We look forward to serving you.
Thank you.
Sincerely,
Jan Vincent Bacon
HPG Personal Assistant
When I spoke with my HPG representative, he told me that they had found so many discrepancies in my loan documents. That they felt they could easily negotiate with the lender because the under writer had defrauded me. The email also stated that in order for them to go any further on my behalf they would need a cashier’s check for $3750.00. After receiving what I thought was great news, I sent them the money.
A couple of months had passed and I had not heard anything concerning a reduction or any contact from HPG, I called their office to find out how thing were proceeding. I was assured that everything was going as planned and that I should be seeing results very soon. Two more months had passed with no results. I called them and was sent to voice mail. I left them a message. No response. I called several more times. Still no response. I found their website and did a live chat with one of their operators. He put me in contact with my HPG representative, a Mrs. Castile. I sent her an email. She did respond by calling me.
When I spoke with Mrs. Castile, she informed me that they had changed the format of the program and that an investor would be contacting my lender to buy my loan at a reduce rate and that my payments would no longer be made to the lender but instead to the investor. A red flag immediately went up. I informed her that I never agreed to that and that this is not the program your company had presented to me or did I ever agree to anything other than the forensic audit and the negotiation with the lender. After hearing that HPG change its format, I told her that I wanted all proceedings to stop and that I wanted an immediate refund of $3750.00 due to the breech of services they didn't provide.
I contacted my lender and informed them not to discuss or negotiate my loan with HPG or any parties. My information is thankfully being protected by my lender. I also asked my lender if they had the received any further inquiries from the HPG group since they first had contact requesting my info. Fortunately, the answer was no. My lender assured me that without my written request on their paper work. They do not under any circumstances release information to a third party. HPG knew that my bank had never given them my loan information.
I have repeatedly requested my money back without any response. They won't return my phone calls or emails. It sounds like another ponzi scheme. Don’t be conned by these scam artist. If anyone out there is thinking of using Home Protection Group (HPG). DON’T DO IT!
If there is anyone out there who has been victimized by Home Protection Group (HPG). File a complaint with the California Attorney Generals office and the District Attorney’s office in Diamond Bar, Ca. Feel free to contact me. We need to contact an attorney that is willing to file a class action lawsuit on these crooks.
The complaint has been investigated and resolved to the customer’s satisfaction.
Scam! My husband and I had just got our first house. We set a warranty up with these guys thinking that our mortgage company sent them to us. I paid a large sum of money up front covering several months. Just a few months later, a representative named Ben called saying it was time for payment again. This went know for a few months until I realized I shouldn't be paying every month because of that big payment I had already paid. We haven't answered their calls in months and they are still harassing us. Ben has now tried to contact me using 3 different phone numbers with 3 different area codes.
We got scammed too by Jess lim and Nora echaure BIG TIME now Nora is in Jail and Jess bail out. But I’m not going to stop I want him rot in jail.
When did they put Nora into Jail?
They’re on trial now
Any updates on this case?
I had the same or similar experiences with HPG starting in Dec 2008 at their San Jose, CA location. I both needed their assistance as well as I wanted to become an affiliate via Trishe Nguyen. I too spent countless hours compiling all of my paper trail and other docs related to my 1st mortgage servicer, Homeq Servicing and my 2nd mortgage lender, Wells Fargo Home Loans. I paid the $3750 fee in December 2009, 7 months following my family home's (located at 1707 Starlite Drive in Milpitas, CA 95035) auction on the Santa Clara County's Superior Court's steps. Somehow, no one ought my home except my 2nd trust deed holder (WF).
I'm hopeful that I can still get my money back, even after more than 4 yrs.
If you want to discuss my case or just share notes, I can be reached at: [protected] smartphone, ken.paar@comcast.net or via Skype ID: ken.paar1. My family re-located to the Fresno, CA area over 2 yrs ago.
Kenneth Paar
He’s in jail now cheers
I was a victim too. I lost my million dollar property were I lived & had a CA State licensed RCFE business for over 15 yrs, the foreclosure left my parents homeless and I was devastated feeling powerless & helpless in the situation. I’m currently in hardship trying to survive after my emotional journey struggling my [protected] nightmare with NORA and her best friend, Aileen VIVAR (By convincing my elderly mother with lies that they will help save my property)... Our you one of the individuals listed on the “Complaint list report“ that was filed in court under J Lim & N Echuare Santa Clara criminal case?
Any update on this case?
if you have been scammed or have worked for marissa cua, jess lim, or hpg, hoa, or vision of faith please contact me directly. I am putting together a case to take to the fbi you can email me at clarionla@aol.com
Hi we got scammed too and I went to different govt agencies but to no avail. But when I went to our district attorney in Santa Clara county BOOM now his partner Nora is in jail but Jess bailed out
@noahscam when did Nora got into jail?
My husband and I sent them $3, 995.00 and never heard back from them again. They fell off the face of the earth after we gave them money. I sent them my refund letter 100 times I sat at my fax machine one day and just kept resending. All they did was e-mail me that they recieved my fax and God Bless. Jesse Lim kept ignoring my calls. They switched to NOAH and when you call it just goes to voicemail and no one ever calls you back. My husband doesn't even like to think about it. We may as well have through $4, 000.00 in the garbage can. We were recommended by a lady Ann from a New Credit Start. Now we have to start all over. I wrote a letter to The Attorney General in California, but they cannot do anything for us. We've been scammed! I think we need to file a lawsuit against these crooks!
We got scammed to and I’m happy I’m able to put him in jail 😊 along with Nora Echaure
When did they catched Nora?
HPG has done a number here in Chicago also. Willie Obando is the HPG director of the Chicagoland area. This man claims to be a Pastor, yet the company which he represents has taken my money and ran. I have repeatedly called him and his associates and got no reply. Since then "Pastor" Willie Obando has switch denominations to the Seventh-Day Adventist Church a new church group he can CON. DO NOT DO BUSINESS WITH THIS COMPANY OR " PASTOR " WILLIE OBANDO ! WARNING !
My family is a victim too...please let me know how to get a refund back from HPG. I only want our money back.
I'm also a victim of Mr Jess Lim (jess@builder4u.us), Mr Michael J Reed, an atty out of Worcester, Mass et al! I paid $3, 750 to their partner company, WeXL, and never received any credit repair/restoration assistance since I joined in early Dec 2009.
HERE WE GO AGAIN PHILIP DIEP IS SETTING UP NEW FAKE PROGRAM CALLED PRM (PEOPLE REGISTERED MOTHER ###ER) STAY AWAY W/ VISION OF FAKE I MEAN VSION OF FAITH THEY ARE SCAMMER TOO
I HEARD RISSA CUA OR MARISSA OF ANTIOCH CA .CUA JESS LIM GLENDALE OR LANCASTER CA . AND PHILLIP DIEP BAY AREA OAKLAND ARE LYING LOW SO THEY CAN BE UNDER THE RADAR OF THOSE SCAMSSSSS THAT BEEN HAPPENING AROUND THEM, , , , PLEASE STAY AWAY FROM THE DO YOURSELF A FAVOR
the above comment was from vision of faith staff... SO THEY CAN COVER UP THEIR MESS, , BEWARE OF VISION OF FAITH ... PLEASE DO YOURSELF A FAVOR STAY FROM THEM...NON PROFIT ORG .. DONT GO AROUND AND DO THIS KIND OF BUSINESS .. TEAMING UP W/ HPG AND MARISSA CUA ... WHAT A FAKE SET UP
Yes, please don't use our free programs. It will cost you too much money. Be smart about it.
It seems you are taking up multiple usernames. Tell me who you are so we can address this problem head on... be a solution not a problem
Vision of Faith staff
people !~! VISION OF FAITH AND HPG ARE THE SAME, , , JESS LIM AND PHILLIP DIEP ARE PARTNERS, , DONT BE FOOL, , , THAT IS THE REASON MARISSA CUA IS WORKING NOW WITH VISION OF FAITH, , , . THEY ARE GOUNG TO COMBINE ALL THE FILES LATER ON... THEY ARE PRETENDING THAT THEY ARE NOT COLLECTING FEES ... YOU WILL BE SURPRISE LATER ... DO YOURSELF A FAVOR, , , , , , , , , , ... ITS EASY TO FIGURE IT OUT JUST LIKE 1+1+1+1 =4
OR JESS LIM+PHILLIP DIEP+MARISSA CUA +HELEN NG =? THEY ARE IN CAHOOTS
JUST STAY AWAY FROM VISION OF FAITH ... MARISSA CUA, JESS LIM AND PHILLIP DIEP, HELEN NG THEY ARE ALL IN CAHOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOTSSSSSSSSSSSSSS..., , , .. NON PROFIT DONT DO THIS KIND OF BUSINESS
LAST BUT NOT LEASE FOR HOMEOWNERS AND PEOPLE READING THIS POST.
DON'T JOIN OR SIGN UP WITH VOF, IF YOU ARE NOT COMFORTABLE, as our programs is FREE and we are not trying to convince you.
Report to the DRE and the DOJ if you are scam and cheated of money. Including from HPG.
From
Vision of Faith staff
BBB post this info not the non-profit so the person that post the complaint indicate it is offering loan. 1 complaints for a company that has been in operation since 2004!
Visit the site.www.save1home.org
A scam is when you collect fee. Vision of Faith program is FREE for all homeowners. Actually, their programs is recorded on their website...www.save1home.org.
Good try but I think people can be educated enough to do their own due diligence. We are not associate with HPG nor we want to be.
If you can't provide a solution, you are the problem.
Also, thanks to this site, more educated people are signing up with our PRP program after they have gone on the site. It only take 10 mins to find out...www.save1home.org
PHILLIP DIEP, VISION OF FAITH AND HPG ARE IN CAHOOTS, , BE WARE THEY ARE SCAMMS
STAY AWAY W/ VISION OF FAITH TOO ... NEW WAY OF SCAMMS ... NON PROFIT ORG DONT THIS KIND OF BUSINESS ESPICIALLY RISSA CUA WORKS FOR THAT COMPANY... PHILLIP DIEP IN JESS LIM ARE PARTNERS .. PLEASE STAY AWAY W/ THEM
RISSA CUA JESS LIM, PHILLIP DIEP THEY ARE IN CAHOOTS ... THEY ARE ALL SCAMMERS
IS THIS THE SAME GUY HOOKED UP WITH JESS LIM AND HPG?
http://save1home.com/aboutus.html http://www.visionoffaith.org/aboutus.html
Philip Diep Real Estate Lic# [protected]
http://www2.dre.ca.gov/PublicASP/pplinfo.asp?License_id=01803929
Premier Real Estate & Financial Services
8105 EDGEWATER DR STE 206
OAKLAND, CA 94621
Marissa Cue has her license # [protected] with this company also
Phillip or Philip Diep BBB already has complaints Non Profit tied in with doing loans? NEW SCAM ?
http://www.bbb.org/greater-san-francisco/business-reviews/loans/vision-of-faith-in-oakland-ca-361858
NOW RISSA CUA WORKS FOR VISION F FAITH THEY WILL BE SCAMMING PEOPLE THERE TOO .. STAY AWAY W/ VISION OF FAITH TOO
they can be found in glendale, ca it is inside the Hollywood Production Building. That is the main office
Jess Lim Is going down I heard He start eliminating Rissa Cua after he used her, Poor girl... Now Rissa where aree your promoses now... I told you Jess lim is scam and con artist
Same situation my parents were foreclosed because of this company. For sure they are full of promises. I'm trying to get my parents refund but never get any response from this scam bag.
They changed their name from HPG to Twin Builder Foundation Corp.
His real name is Jesus Lim.
I suggest everyone to contact the BBB, post complaint board such as this one on your update and report to AG and DRE and your respective county.
Hey, After complaining day in and day out we received half of the money we sent into them, but they have refused to send the rest. We have complained to the AG, even contacted a local news studio to have them investigated. As I write this we have lost our home and are now renting. Thanks in no small part to HPG. Our Representative's name is David Brandolino. He is the one that convinced us to get involved with these crooks. To be fair, I am not sure if he was in on the whole scheme or just stupid. My advice to anyone who reads this is not to get involved with him either if you see his name out there while your looking for help.
Please feel free to tell him I am the one who told you about him.
Also, anyone knowing the whereabouts of Jess Lim, ( if that is his real name) I would like to know.
my refund was promised and never was sent==== mistake on last email. took my money did nothing. no responses. lies lies lies. he needs to go down and be put in jail. DO NOT SEND MONEY TO THIS COMPANY!
can anyone tell me how to file a suit or submit a claim on JESS LIM AND THIS COMPANY HPG. LIARS CON ARTIST. PISSED ABOUT ABOUIT WHAT I WAS PROMISED AND THAT MY REFUND WAS SENT! LIES
We got invited for seminar concerning mortgage modifications, guess who was chairing the meeting. a NOAH rep. I saw some complaints in this other site on http://www.philippinebeat.com/showthread.php?5036-Beware-of-mortgage-modification-scams
submitted complaint to the attorney general...but have not received a response yet.
Has anyone done anything to get back at these crooks? Please share so I can do the same.
Hello maybe we should all get together and brainstorm Ideas and what we have done so far to stop these guys. Please let me know if you agree so we can set a date place and time to meet.
Could you please let us know the process in filing law suit with the state attorney general. We are the group of clients in San Jose, Ca who have the same issue. Thanks
Pls call me [protected] they’re on trial now
I am a victim too. Can all of you share whatever steps you are taking to file a claim against this company?
was also scamed (MARISSA CUA) out of money. They promised me to restructure my loans, but I ended up losing one of my homes to foreclosure, and I had to file for bankrupcy to keep my other home. I filed a complaint with BBB, and they never responded to my complaint. I also filed one with the State Attorney General. Unfortunately, I really trusted my agent through Perez Financial who referred me to HPG. They have now changed to their name Secure Future Foundations out of Gilroy, CA. They also have failed to recoup my money and reimburse me for the money they charged me. I'm filing a complaint with the Department of. Real Estate.
yup! The truth rally coming out now!
I was also scamed out of money. They promised me to restructure my loans, but I ended up losing one of my homes to foreclosure, and I had to file for bankrupcy to keep my other home. I filed a complaint with BBB, and they never responded to my complaint. I also filed one with the State Attorney General. Unfortunately, I really trusted my agent through Perez Financial who referred me to HPG. They have now changed to their name Secure Future Foundations out of Gilroy, CA. They also have failed to recoup my money and reimburse me for the money they charged me. I'm filing a complaint with the Department of. Real Estate.