Complaint Review: David Young My State Processing

My story is like the other stories that are being reported.  Back in September 2011 I received an email from David Young stating that "we have you approved for a in-house modification program.  I would like to discuss this program with you along with my companies fees so please give me a call."  Previously, I had been struggling to keep up with my house payment and unfortunately had no other options but to pay to have someone help me.  So, I fax over all the paperwork asked of me and months and months go by.  I was receiving letters from the mortgage company which I was told was "generated letters" and not to worry.  I was told then by the mortgage company that if my loan was not brought current, foreclosure proceedings would begin.  So, stressed to my limit, I email David and he says that he will stop the sale date not to worry. 

 So $1575.00 later and now we are in mid December 2011.  I received a certified letter from an attorney that stated if the loan was not brought current, my home would be sold on February 7, 2012.  I told him that I was considering bankruptcy and he told me there was no reason to do that.  Again, I trusted him.  So Christmas passes and then I get the foreclosure letter stating that nothing had been resolved and the sale would continue with my home.  I again contacted David and told him what was going on and he said that he would handle it. 

 On January 9, 2012 I receive a letter from mortgage company that states "your loan is not eligible for a modification because we service your loan on behalf of an investor or group of investors that has not given us the contractual authority to modify your loan."  Needless to say, I filed bankruptcy and saved my home.  So, I inform David that I have filed bankruptcy and he makes no mention of refunding my money and makes no comment on what the mortgage company had sent to me.  A few weeks later I contact him again and he says "of course I am willing to refund your monies as promised I never had any other intentions.  These folks (on Rip Off Report) have recently posted comments about my company had been declined just within the last 5 days.  I will continue to help people in need and will always be hones with them."  HAHA!!!   Then on January 27th he says that he will send out $250.00 every three weeks until I am paid in full starting on February 10, 2012.  Check was put in mail that night and as of today, still hasn't gotten here.  February 17, 2012 he says "I just need to set you up in my account and I can transfer directly from it...I will email you the confirmation."  Now the reason he said this is because I contronted him about the check not getting here so that was suppose to make it all better by transferring it to my account. 

 Let me just say that I have emailed him at least 25 times this week and have gotten NOTHING from him.  No email responses, no wires and no check.  I have also placed a complaint with the BBB on his company.  All I expect is to be reimbursed for money paid to him for a loan modification that was never going to happen.  I hope that all who have been taken by him will report him until he makes good on all that he has done.