Complaint Review: First Apolo Home Loan Inc - Reseda California

  My family and I are victims of predatory lending & mortgage fraud. 

prior to this predatory lending & mortgage fraud transaction My mortgage payment was $528 this amount included taxes and insurance.

on 8/22/2006 I signed few documents for a refinance transaction, also my Ex-husband  and I signed what we were told a quitclaim deed.  Mr. Warren Phillips was the Broker, the notary public, escrow agent, trustee. and beneficiary this made his job much easier, many time I requested a copy of the loan  I has denied copies of the loan documents. I was referred to Mr. Gilbert Rivera he wrote a letter requesting the loan documents. on September 26, 2008 I finely received the loan documents.

at the point it became very clear why Mr. Phillips refused to provide me with a copy of the loan documents, additional documents were added to this ;0the terms of the loan was  not this close neither was he had added documents and my signature was scanned to most of the documents he, the Escrow closing statement has no date nor does it have a signature, the names of 7  individuals were named on this document Sophia Lu, Leonard Weisaft, Fabian Malinovitz, Steven.F. Windmueller. Michelle  p. Windmueller, Ethel Taft, martin Taft, the windmueller living trust and the Taft family  living trust were not named on the escrow closing statement, but just as were added as beneficiaries on the Trust deed, this paper that was also added after the fact is indentified as an addendum, this paper does not have a date , nor a signature this paper does not even have a page number. all of this individuals claimed recorded interest on the title of my property, including the living trust and family trust.

I purchase this home on 5/1988, prior to warren M. Phillips predatory lending practices and fraudulent actions the balance for the mortgage was $38,000, I wanted a 2nd taking $60,000 from the equity my home was appraised at $362,000.

My warren Phillips did not took into consideration my credit scores not my income and finance this according to Warren Phillips the total of the loan came to $160,000.

I was placed on a 5years interest only balloon loan at a 10% interest with monthly payments of $1,326.67 a month not including taxes nor insurance,  at the time of this transactions my income was $1629.  539.00 of that was my Son SSI check $450 child support (not court mandated ) and $ 640 In home support Services.  Mr. Warren Phillips placed me on a non affordable loan, based on the equity  of my home not on my ability to repay the loan setting me to fail and eventually lose my home to foreclosure. the final payment of $161,000 due on 11/1/2011 this loan would of have cost me $240,000, how in earth was I to pay this loan with a monthly income of $1629 a month. if Mr. Warren Phillips would of given me the proper disclosures on this loan I never would of taking this loan. Mr. Warren Phillips along with his partners in crime have caused my family and I emotional and financial distress that has been unbearable at time. My family and I have gone without just to keep up with the payments I juggle the utilities I dint have to worried about a car payment nor insurance My car Got repo and I sold my truck just to keep up with the payments that Warren Phillips Failed to credit properly to this account. 

as of July 2008 I started  to seek the help from credit counseling agencies, had approved counseling agencies, I also sleeked the helped of Inland County Legal Services, Inland County Mediation Board, Money management, Spring Board, also consumer union and many advocated agencies, and many non-profit agencies.

I contacted and made a complaint with Consumer Affairs, Attorney General, Federal

 Trade Commission, The office, HUD, RESTA, Department Of real Estate I also Contacted Jerry Lewis , Barbara Boxer to mention a few.

I have letter, faxes of many agencies that I have contacted and most of the time I received a lame pre-typed letter responding to my complaint.

I have been scammed by a company that charged me $1,000 for a loan Audit, with the assistance of Colton Legal Clinic on 2/2009 I filed bankruptcy, Warren Phillips was determined to take my home, the trustee's sale was stopped due to the BK, on march 18, 2009 the bankruptcy was dismissed by the trusted, I was advised to hire an attorney and file again. as soon as I got out of court from the parking lot I called Advanced Reconvayence to asked if there was a new sale date for my home, vicky said that the new sale date was set for 4/1/2009.

I felt as if my world was crumbling down on me, and no matter what I did to keep it together it was useless.  Warren Phillips was determined to sell my home and he was determined to do whatever it was necessary to accomplish that.

I went to the riverside Ca trusts office and showed them , how Mr. Warren Phillips and his Attorney had altered the documents presented with their claim, I had the documents from the San Bernardino county recorders certified copied of notice of default and trustees sale, and gave them copies of both documents hoping something would of been done.  It was as if it was ok for this documents to be changed and altered by warren Phillips.  determined to save my home I borrowed money and did as I was told by the trustee I hired an attorney and filed bankruptcy again. The bankruptcy was filed just on time on 4/1/2009 and once ageing the trustee's sale was stopped.  I was charged $4,400 by Attorney Windham for his services.  I wrote a letter to the Bankruptcy court Judge praying and hoping, I would get some Justice.

I send copies of the loan documents and explained myself the best that I could, the documents from the county recorder's Office, also copies of all the agencies I have al easy requested their assistance, I also mention that sale of my home was not advertised on any local  news paper, I also provided copies of the so many noticed of defaulted warren Phillips had send me, also letters were I request an explanation of many additional fees and late charges, letters were I request for the interest rate be lower to an adorable rate, documents were it shows all the abusive fees & charges by Mr. Warren Phillips I was Ignored by the judge.

by the time I when to court for the bankruptcy I had to pay $700, to the trustee, plus the mortgage payment $1,326.67.  I Had read that in bankruptcy an Individual could file an adversarial procedure against the lender, I asked Attorney wind ham about that and he reply I don't due adversarial proceedings you would have to hired another attorney to do that. I made 1 payment to Warren Phillips and 3 to the bankruptcy trustee and I was not able to make any more payments,

from all the stress I started to have problems were my heart would go so fast that my whole chest pounded, My kids would be just as upset as me, my two 14 and my 9 year old would pray asking god not to take their mom home, My 14 year old (that was born with spinal bifida) told me that if god would take me home, He would kill him-self.

I was very scary the first time that happen to me, I could not move I was so scared, my 9 year old would dry my tears with the sleeve from her jacket she had on and she said mom you are going to be ok you are going to be with me when I graduate from medical school and when I get marry, and when I have my kids, mom you have to be ok, we need you mom, I remember she looked up and said god don't take my mom away from us we need her please don't take her home .

on June after missing my first payment I contacted Attorney wind ham and told him that My boyfriend was laid off, and my food stamps benefits were terminated.

I had told the Attorney that my boyfriends income was not stable.

I called the attorney and left him several messages asking if I could change chapters in bankruptcy. I received a letter from him almost at the same time I received the dismissal letter.

I was upset because I was not send anything stating court date for the dismissal.

He called me a liar, that a notice was mailed to me.  I could not believe that nothing was also done through the bankruptcy court,  the attorney said to me in regards of the legality of the loan you still have to make the payments.

the sale of my home was schedule for October the second Of 2009.

I contacted the trustees office and I asked why was I ignored in regards the documents I had taken to their office.

I was asked for the bankruptcy file #, as she review the file The person said to me, This bankruptcy was dismissed correct, as she viewed the file she said I have to look into this, there's no financial schedules for this file, I will get back with you.

that was before the trustee's sale on 10/2009 I called left 2 messages

then I called a month ago again I was called they would contact me as I said that was a month ago.

 I found an attorney in riverside that had a web-advertisement, he advertised helping homeowners with civil law suits my against their lenders for predatory lending and mortgage fraud. I contact him I  Was told that for a fee of $ 5,400 and 35% of any punitive damages awarded by the court he would help he with the law suit he said due to my income, and taking into consideration all that my family and I been through I needed $1,400 to retained his services making $1,000 monthly payments until paid in full.  I could not come up with the money so my  24/22  year old sold their 1947 Plymouth for $1,500, on September 4, 2009, I retained attorney Charles wear.

finally on 9/29/2009 I was asked to come and signed the civil complaint.

when I was at the attorneys office I was told that he called Warren Phillips to let him know a law suit was going to be filed against him, and the other parties involved.

also I was told that  warren Phillips and the attorney agreed that the sale would be postponed until 10/16/2009, to work a modification agreement.

the attorney did not showed me any letter Nor did I signed any documents. I was told by the attorney that their agreement was, if we come up with a modification agreement you agree not to file a civil law suit against him nor his investors. 

I said to the Attorney I been asking as of July of 2008 for a loan modification, counselors from had have contacted Mr. Warren Phillips asking for a modification, Warren Phillips was asked 5 different times by different agencies and I have requested a loan modification 4 times, and every time he refused.  did he finally realized that imp not giving up and just hand down my home to him and his posy.

I have spend money that I dint have trying to save my home that is close to $10,000.

then he said we should propose for him to pay the broker fees $8,000 my fee $5,400

lower you payment to $750 that be apply to the principal, and pay the rest on 11/1/2011.

I was very up-set, so the attorney said for me to go home and think about it.

I just could not believe that after all the turmoil and everything my family had gone through, Warren Phillips did not wanted a law suit to be failed and wanted a loan mod.

I presented a loan mod proposition to the Attorney plain and simple, I mention the all the violations under the California civil procedures also the tile and respa violations and I also mention the actions under the criminal law.  and I asked for a clear title of my home and punitive damages.  the attorney said Now I understand what you want me to do, you want me to go ahead and file the law suit.

I believe that the two attorneys I have Hired to help me are ambulance chasers, that they have no morals nor values take people's money and pretend a service will be provides for their money, they see how long they can work someone up before they give up.

for my luck on October 1, 2009 there was $345 of insufficient fees taking from my checking account,  on 10/4/2009 I called Attorney Charles and asked if he would cash the post paned check in 10 days went I got paid . he terminated our contract because he said that I had no intentions to pay him.

on 10/14/2009 I tried and faxes a loan modification proposal but for some odd reason Warren Phillips fax was not receiving any faxes, so I walked to the home depot and tried to fax the proposal 3 time and I was told that the fax was not receiving any fax.

when I got home my 25 year old said that someone called 5 minutes before 5 and asked if someone was trying to fax something to their office.

on 10/15/ 2009 15 minutes before 5 Warren Phillips called threatening that if I dint give him verbal agreement over the phone stating I will commit to making $1,100 payments month for his attorney to frat and fax to me for a signature he would sell my home tomorrow.

I told him I would not make any verbal agreement because on 8/22/2006 I was under the impression I was signing documents for a refinance, and that was not true what makes you think I would make any verbal agreement over the phone. 

I told him to do whatever he wanted that I dint care.

on 10/16/2009 I faxed Steven WindMueller  the Attorneys Draft, the escrow closing statement asking to take into consideration the sale of my home and do what is right in regards of the loan I was given And take into consideration that It was Taken by fraud.  they when ahead and again ignored me.

I was served with an unlawful detainer I need to say that the Attorney Representing

this people is John E. Bouzane was placed in probation with the California bar association.  I have filed A civil Law suit against with the san Bernardino superior court I had no choice and filed pro se  I have contacted several well known Attorneys and have seen the malicious intensions of Warren Phillips And his clan, I have not been able to retained their services due to my financial situation.

I don't have $6,000 nor $8,000 to retained an attorney, I do have faith that someone will come forward and help.  I can't believe that anyone would risk losing so much for so little Warren Phillips Failed to act within the Law,  violated codes and regulations that need  to apply when  providing  service to the public, he abused the power given to him as a public servant and used the power to take from others what they have worked so hard for his own financial wealth.    Also blinded by greed he failed does he represents placing them and exposing them as what they really are bunch of no good thief's.  I have asked Myself many times how can someone that holds a respected social statues and is financially stable be involved and be part of fraud and embezzlement.   I am talking about Steven F. Windmueller I believe is the President of the Jewish College of Los Angeles CA, and  also His Wife Michelle P. Windmueller. that according to public records they own many  properties.

Fabian Malinovitz, according to public record has been involved in real e state disputes on a few court cases, and also has plenty of properties himself.

same with Sophia Lu, Martin Taft and Ethel Taft also Leonard Weinsaft, it seems as they are all business partners