I have a distressed property and am headed toward folclosure so naturally I get a lot of mailers from companies promising to "save my home." Well this one had the "making home affordable" logo and looked promising so I called and started through the process. The moment they asked for money in a cashiers check or money order, I got a little suspiciouse and did my homework. Thank god I did before I sent them any money. Here is a copy of the email I sent them :
So i have some concerns I need to look at before going through with this process and sending money without anything to show for it.
My concerns are -
1.The Federal Trade Commission (FTC), the nation's consumer protection agency, has a Rule in place to protect homeowners. The Mortgage Assistance Relief Services (MARS) Rule makes it illegal for companies to collect any fees until a homeowner has actually received an offer of relief from his or her lender and accepted it. That means even if you agree to have a company help you, you don't have to pay until it gets you the result you want.
So in essence, asking for money at this time is I believe illegal?
2. Your BBB GRADE IS AN F with the following complaint - "I was very dissatisfied with National Preservation Center. I feel they are a bunch of scammers who make big statements about what they can do for you and charge you a lot of money for doing nothing. They rush you through signing a contract then tell you that you have to rush a payment out by either Western Union or a bank wire to some other business called All Seasons Management. No one knows what is going on after you pay them...you either get no answers or they blatantly lie to you. STAY AWAY FROM THESE CROOKS!!!!"
I should mention, this was posted just last month!!
3.All Seasons Management and National Preservation Center both share the same "physical" address...no big deal accept it's a nothing more than a p.o. box at a UPS store in a strip mall. Searching online. I find no physical address of either business. And there is no upstairs to a p.o. box last I checked? I talked to the police in Tustin and they are going to check the p.o. box and see who's name is actually on the box just to make sure it's legit.
4.Both businesses were started on the same day 306 days ago. Thats not a big deal, but only All Seasons is listed in the state of California as being legal. In fact, the bbb has this on your file for national preservation center:
California Bureau of Real Estate
1651 Exposition Blvd, Sacramento CA 95815http://bre.ca.gov/Phone Number: 1 (877) 373-4542Fax Number: (916) 263-8641
On 8/6/2015 BBB confirmed that National Preservation Center had not obtained a necessary license from California Bureau of Real Estate.5. Scamadvisor has this : Site is United States based , But The Real Location Is Being HiddenWhy are you hiding you real location?6.The site used is identical to Samaritan | Law Center which was put up by Jack Karpales...a known scammer.
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Samaritan | Law Center
Notice of Default: IF you have received this, the lender is warning you that missing payments will lead to the initiation of the pre-foreclosure status.
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The reason I caught this is because he also used the same phone number for both websites, then erased it but it was to late. Google picked it up and he used his real name & phone number for the registry regarding the above website.
his record includes the following : ACK HOWARD KARPELES [#134478], 56, of Walnut, was suspended for one year, stayed, placed on one year probation with an actual 30-day suspension and ordered to take the MPRE. The order took effect Sept. 27, 2013.
Karpeles stipulated to misconduct in one client matter: the unauthorized practice of law in a jurisdiction where he was not admitted, failure to respond to a client’s reasonable status inquiries or to return unearned fees.
In 2011, Karpeles joined a Maryland-based firm, the Miller Law Group, after the death of its founder. Karpeles was not licensed to practice law in Maryland. However, a lawyer not admitted within the state may still practice there if local Maryland counsel is added to the case as co-counsel or if the matter is related to a jurisdiction in which the out-of-state lawyer may lawfully practice. Although neither exception applied to Karpeles, he allowed non-attorneys with the firm to relay debt settlement proposals to a client and failed to respond to the client’s requests to speak to an attorney. After the client fired the firm, Karpeles waited 61 days to return unearned fees.
with complaints such as : Complaint
Company is withholding monies due me by not fulfilling contract terms.
I enrolled in a debt relief program with this company in 2010 and after paying $483.00 a month for three years, (this money was to be put into a state regulated trust account) my contract of payment has expired in 2013 and the company is withholding $2,476.03 plus interest of my money because they have done nothing in 2 years to pay off anybody. I have tried contacting this company many times and they just give me the run-around on returning my funds saying"I don't know why it's taking so long." I have e-mails from their customer service reps that are misleading and untruthful.
or
Complaint
I paid this company $734.00 a month for 24 months for a total of $17,340.00 as was contracted. They were supposed to contact my creditors and settle my credit card debts but they never called any of the credit card companies. I ended up in a lawsuit and had to get an attorney in SC as well as pay the credit card companies. MLG law group took my money and did nothing to help me settle or pay my debt. In addition they would never send me any kind of account statements and were hard to get in touch with by phone or e-mail. I want my money back as it has cost me twice what i would have had to pay and MLG law group did not do what they told me they would.In essence this company scammed me and stole my money. - See more at:
http://www.bbb.org/losangelessiliconvalley/business-reviews/attorneys/law-offices-of-douglas-g-miller-in-walnut-ca-100087933/complaints#breakdown
Last but not least - Your phone's go to very generic messages when you don't answer not stating the company, hours or anything..as if your running more than one business or scam off the same number.
If you can clear all this up, I would be happy to send money!! But you have to understand my concerns. Please respond, your silence would just make things worst. I did a cc with this so other people have copies to protect myself.
Hope This Helps Anyone Out.