Complaint Review: Premier Choice Properties - Atlanta Georgia

My husband was injured in a horse riding accident in April 2005. He was off work for aprox. 2 months, and on and off after that for follow up dr. apointments and things. Our income dropped from $700-900 a week to $200-300 a week, and we got behind on our mortgage with Chase. Our property taxes and insurance renewal fell due at this time, and the used this as a way to add an escrow account onto our mortgage, boost the interest rate, and raise our payment from $975 a month to over $1600 a month. We went into foreclosure, and hired a mediator to work out an arrangement.

We hired Associated Debt Consultants of Dallas TX to negotiate with Chase for us. We paid her $975 up front the end of November, 2004 which was to be sent to Chase, and the "deal" she arranged was that we were to pay $2600 a month for three months, after which Chase would refinance the note at a lower rate/payment. We also had to pay them $3,000 by the first of December, 2005. We managed to get that together, by stripping every account we, our parents and some friends had, but did not have the $2600 to send them January first.

My husband's brother owes him some money from an estate, and so offered to send them the three payments in one lump sum. I sent him all the information he would need to take care of this, it was to be sent Western Union Quick Collect, attn. person, account numbers, etc., and was assured he woudl take care of it. About the middle of the month he informed us that he had not had time to take care of it yet, and wanted the phone number for Chase to work out a better deal. Naturally, he failed, and now we were facing foreclosure once again with the sale set for the first Tuesday of February.

I got the letter from Perier Choice Properties and contacted them. I was told that we did not qualify for refinance, because we were in foreclosure. However, we did qualify for their lease back program. I filled out the Client Authorization form that they sent to us, which had basic information about our account, and was told that she would handle it. I was dealing with a woman named Adena. I called for information, but got no reply, she was always in a meeting, on a call, etc. Finally, I faxed her the last Friday of January to ask her the status and to find out if there wasn't something we were to have signed or something for the lease. On Monday, I got a call back from her stating that she had called Chase, but they had said we did not have an account with them.

I called her back, but again, she was on the phone or in a meeting, so I called Chase. I got right through to the account people, who pulled up our account with no problem at all, using the same information I had provided to her--in fact, I was using the sheet I had faxed back to her to get the numbers from. I wrote a letter to the representative at Chase telling him who we had been talking to, a copy of the agreement we had signed, told him that I would be talking to her that evening and she WOULD be calling him back to make the arrangements. That this was NOT a loan, that they would be paying off the note, all she needed was the totals and who/where to send it to.

I called back to Permier, and was told that she had left for the evening. I know that my faxes were received there, as the person on the phone read parts back to me to be sure they were legable. She told me that Adena had read the faxes, but had then left, and she was sure she would take care of it first thing in the morning.

I called her at 8 AM our time Tuesday morning (Sale day) and she said, well, didn't you get the phone message I left stating that Chase said you didn't have any account there? I said yes, and didn't YOU get the faxes and phone messages I left for you stating that I had called and gotten all the information from them and all they were waiting on was your call?? She said she would start to work on it but that today was sale day. I told her I KNOW today is SALE DAY!! That's why I'm trying to get you to do something!!

I heard nothing at all from her all day until late in the afternoon I had to run an errand, and when I got home, there was a message from her stating to call her back right away. I called back, and got the usual--she was on a call, but would call me right back. I tried 3 more times to contact her, and got replies that she was in a meeting, or on a call, each time. She never called me back.

I was working under the assumption that our home had been sold since I had heard nothing to the contrary, so on Thursday I wrote a letter to the general manager stating that I intended to file with the BBB for his city/state, as well as contact our local news station in Dallas who has a fraud allert team. Well, I got a call back from her. No appology, from what I could tell, she had not even contacted Chase because she didn't know what had happened with our home.

I was told (by her) that I should have been calling her every day to check up on her (although since she never returned my calls, it would have done no good) I told her that as a professional, it should not be neccessary for me to baby sit her. I was then told that we had not signed an exclusivity agreement with her company and had been free to seek aditional assistance. I told her that as I had hired her company, and been assured that they could and would handle it, why on Earth would I have needed to look for or hire another company?? She then asked me if I hadn't tried to work out something with Chase while I had them on the phone on Monday night. I replied that no, I hadn't tried to work out something with Chase Monday night. Generally, when you hire a lawyer or someone to handle something like this, they don't want you to meddle in the middle because you generally mess up whatever they are trying to accomplish. But also, since as far as I knew they were in the process of paying off our home at that point, why would I have tried to work out something different with Chase than what she was supposed to be doing?

In the whole time she was on the phone with me, not one word was an appology, or taking any blame for not doing her job, not contacting the client, or following up. As far as I was concerned, she and her company as a whole, let us down in a major way by not even attempting to do what they had promissed. I was going under the impression our home had been sold, and waiting for a 3 day vacate notice to appear on our front door.

Two letters came by certified mail to us this past week, which I guessed was notice to vacate. Instead, it was notice of intent to foreclose. Ordinarily, this would NOT be good news, but in this case it was the best news I have gotten in a long time. The agent at Chasse--Wesley Jones--saw fit to postpone the foreclosure by a month to give us time to find alternative means to resolve this.

If you get a letter from Premier Choice Properties, run the other way as fast as possible. Luckily, we did not pay them any money, however, at the same time, had it not been for Mr. Jones taking pitty on us, we would have lost our home due to their inaction on our account. Which is just as bad.

Deb

Rowlett, Texas
U.S.A.