Complaint Review: LP Advocates

Justina 714-602-3273
Nick Ryan/Johnson 714-602-3391
Issac 

I was contacted by a company calling themselves "LP Advocates", by direct mail. They advertised that they were mortgage relief specialists.  When I called them over the phone they explained they could modify our mortgage and lower our monthly payment through the HAMP program. After filling out all the necessary financial documents as they requested, they informed me that we qualified for the program. They gave us a new payment schedule and we made the payments on time as laid out by them. 

Last week we received a foreclosure notice from our mortgage company. I have been calling LP Advocates daily (6 days straight) trying to find out why we have received a foreclosure notice after being accepted into the program and making our payments on time. No one has answered the phones, or returned our calls after leaving numerous messages. I called our mortgage company and asked them why we have received a foreclosure notice after being accepted into the program and making timely payments. They had no idea what I was talking about and said they hadn't received any of our mortgage payments totaling ($4,589.13) from LP Advocates or the HAMP program as of this date (6/13/14). Payments were made to LP Advocates Default Dept on 3/22/14, 4/25/14, and 5/30/14. All payments were sent by us through UPS Express shipping with tracking numbers. 

I called the Fountain Valley Police Department. They informed me the address I was sending the money to is a dentists office not a mortgage company. So I googled the address I sent the payments to (11037 Warner Ave, Fountain Valley, CA 92708) and it is a "Mail Center Plus", not a mortgage company. I called the "Mail Center Plus" listed at this address and spoke to the owner (David Lam, phone 714-531-7558). He informed me that the "Suite 225" is not an actual office suite, but simply a post office box that he rents out to various customers. He also informed me that "225" is not the correct mailbox address of the "Default Dept." company we have been sending our payments to. The correct numerical mailbox address is "255". The name of the company that rents that "255 mailbox" is "Default Dept." When Mail comes in with the "wrong" mailbox number, David Lam places it in the correct mailbox and has the person who picks it up initial it to ok it. He also mentioned that "Default Dept. " has 24 hour access to their mailbox.

At this point I am convinced we have been scammed out of our mortgage payments by this fraudulent company posing as mortgage relief specialists. Please help us!! We have (3) young children (6,4, and 1 yrs old) and cannot afford to become homeless due to outright theft from these scumbag parasites. We have 30 days to respond to this foreclosure notice. 

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