I called Guardian Advocate Group to modify my loan way back in June. I talked to a guy named Gregg Shwack and was convinced that this was a legitimate loan modification company. I also had small email communication with Mike Luchen (CEO), who also assured me that I was in good hands.
The web site http://www.guardianmods.com/ states that the processing team will keep you informed but this was really not the case. I had to call just to get a status and I would also shoot emails to Gregg and he would respond with few words like, "We are working on it". That's the status I got for the past 3 months.
About 3 weeks ago, Gregg Shwack directed me to call their processing department to get updates on my loan. The first time I called, the lady "Gail" told me that their computer systems were down and that she would have to get back to me the following Monday. Monday came and no call so I called and got an answering machine that says their moving and would re-open that wednesday in the evening. So, I waited to Wednesday evening and called but still got the answering machine. I tried calling for the rest of that week and got that same answering machine.
At this point I was frustrated so I called Gregg Shwack again and left a message to have him call me back. I didn't get a call so the next day I called and left another message that I called. Now, every time I call, he is in a meeting.
I've sent emails to Gregg Shwack, Mike Luchen and many others trying to get someone to contact me back so I can get a refund on the loan modification that never happened. I was promised by Gregg Shwack that all my money would be returned so I want it to be returned.
The last email I got from Gregg Shwack was this:
"Your.file is complete !!!!! 98 percent of all files from your lender has been REJECTED!!!!!!! IAM SAD TO SAY.THIS.MAYBE THE.CASE"
Well, if that's the case, I should get a refund as promised! Now he won't talk to me or neither will no one in his company.
1 Updates & Rebuttals
heathornhawk
Washington,USA
Guardian Advocate Group Ripped me off!
#2Author of original report
Fri, October 02, 2009
Today's update is that I called the number (914) 777-3269, which is the number they advertise, and found out that the people that answer the calls are a service provided to Guardian Advocate Group. This explains why Gregg Schwack is always in a meeting. These people don't even know who Gregg Schwack or Mike Luchen are.
What's more interesting is that this company signed an agreement with Guardian Advocate Group to not disclose it's company name to callers. So when I asked the manager to provide the name of the company answering the calls, they would not give it to me. This is all looking a bit wierd, right?
If you are thinking of using this company to do your loan modification, think twice!