No More Mortgage Giving Us the Run Around Linden Utah
The simple plan that the company put together does seem like it will work, it is however, not something that one should drop $6,500.00 on. They told us to put it on our credit card and not to worry that would be paid off in a couple of months. We like fools did what they asked us to do. Months later we came to find out our mortgage was being paid on the wrong day (they in turn accused us of not making our payment for the month prior, a payment I have the receipt for) as well as accruing late charges on another credit card due on the 4th but being paid by their affiliate on the 17th (yes they have another company do all the work). When we called to ask what was going on they said we need to review our whole plan again three months after we began. I was under the assumption we were going to do it right the first time not have to go back every couple of months. Then I asked NMM exactly what we paid them all that money for. They claimed some financial toolkit sessions, which we were contacted once about and not followed up on and their online rebates program in which we received $14.00 back after doing our X-Mas shopping. We addressed our concerns to customer service who up and down apologized for not helping us with what we paid for and used the excuse that the company was restructuring and had a hard time keeping up. We immediately asked for our money back since we did not feel that we were important as a customer to the company and had several emails and bills to back us up on our beliefs. We were directed to a man named Doug Rosborough who sent us an email with the following statement.
I would like to discuss these items and see how we can help make things better. No business can long exist if its middle name is Santa Claus and it hands out refunds nearly a year after sign-up and after hours of time invested. I honestly do not see a breach of contract from our side. I see many and consistent attempts to help. There might have been a misunderstanding at the inception of the plan. Is that reason to get up from this seat in the theater and walk out?
Santa Claus???? Are you kidding me we are talking serious business and for first impressions my husband and I were offended by that. We want some help and clarification. We did not need a sales pitch. We already heard the sales pitch when we were duped into their program. We had a conversation with this guys in which he then apologized up and down for that comment (he brought it up not us) and for calling almost 20 min. after the time we had originally set up. We went over our complaints and he told us he seemed to think that we had justified reasoning. He brought it to their Refund Committee who did not deem it justified. I asked for the following questions to be answered.
1. We want a rebuttal to our complaints with hard evidence as to why they feel our complaints are not valid.
2. We also want a full break down as to where the money we gave to them at contract signing has been allocated.
3. In addition to their simple statement that their decision of our case is justified, we are requesting an example of what they would consider a justifiable reason for a refund.
It has been a week now and we have heard nothing. I would not advise anyone to fall for these schemes and if you are interested in a program such as this one DO NOT pay any money for it. After looking into it there are a lot of credible resources available on the internet AT NO CHARGE.
Your average joe
McHenry, Illinois
U.S.A.
1 Updates & Rebuttals
No More Mortgage Employee
Provo,Utah,
U.S.A.
SPECIFIC REBUTTAL TO CLAIMS RAISED IN THIS SUBMISSION
#2UPDATE Employee
Tue, February 24, 2009
As a 7-year employee of the Company, and one who has information about this specific file, I would like to respond to these accusations. I am informed that in the case of this customer, a settlement was arranged, the terms of which stipulated that client would submit a retraction, which they have not done. That fact alone probably says more about the validity of their complaint than anything the Company could add.
The customer starts right off by saying the company promised them that a large charge on a credit card (they infer it to be about $6500) will be paid off in a couple of months. This is a fantasy, and was never promised. The Company provides exact dates for discharge of each debt, and on the documents the customer signed this debt was to be discharged in 3.8 years.
The customer continues by alleging that a mortgage and a credit card were being paid on the wrong date. Before any bills are paid, the customer signs off on two reviews of their monthly payment schedule. The payment schedule is also emailed out each month to the customer to confirm that the due dates and payment amounts for each item have not changed. In other words, any mistake that might be made is not the responsibility of the Company, since it is doing its best to keep in communication with the client.
The customer seems to think that use of a 3rd party affiliate is a major revelation. The Company records all communications with customers, and this fact is an up-front part of the agreement for services that is provided (and signed for by the client). The client had a good relationship with the 3rd party, and was in frequent communication with them and used their services for some months. That firm is reputable, registered with BBB, and NMM has used them for many years.
The customer mentions a letter from Mr. Rosborough. The tone of the extract from his letter sounds helpful, and it seems amazing that any company, after a year's worth of service, would be willing to discuss any refund of a contract which states clearly that the investment is non-refundable.
The client had over 40 interactions with the company over the year since they had been enrolled. The customer's plan was going to save them approximately 25 times the amount of money they invested, and the interview transcripts show that the customer made an informed decision, without high pressure, in the light of day, and stated that this was a service they would like to purchase.
The issue of financial coaching and rebates were extras offered by the Company AFTER the client had made the decision to purchase the service. The decision to buy was made previous to the offer of these extra credit items, which are free gifts to enhance the service already purchased.
The Company has helped thousands of people to improve their financial situation, from eliminating debt more quickly to providing assistance with other financial needs such as budgeting, retirement planning, and mortgage refinance. This client was given an extraordinary opportunity to get a refund on their plan investment, which cooperation went well beyond standard Company policy. They stated that they would follow through on their end and write the rest of the story in this forum, which they have not.
The Company enjoys a B rating from the Better Business Bureau, and has been an accredited business with that firm for many years. The Company will move forward on its mission to help thousands of customers, despite the (unfounded) opinion and accusations leveled by this disgruntled customer.