I found Apply to save while looking on the internet for some help with our mortage which was and still is two months behind. I had typed in free government help or consumer credit counciling to avoid foreclosure on your home. Their site came up and I chatted with a johnathan larson about what they could offer me. He e-mailed me several papers to look over and fill out.
After a conversation with him Dec 1, 2008, we told me that they had a $995.00 fee, and after speaking with my husband and seeing that we could not possibly afford that, I e-mailed him back and told told him that we could not possibly afford that. The folling day, I recieved e-mails from another person Lacey Fertig. She sent as an attachment a letter of consent, contract form, and a note stating that I fill these out and mail them asap.
I did not. She called me on my cell phone later the following day nad I told her that we could not participate in the program. Did not hear any more from them, and after speaking to a lawyer friend, he told me that what they were offering to do, I could do my self, by just contacting my bank, and asking for a loan modification. I did this and have been contacting chase at least once a week and getting an update. They told me they were really behind in that dept. and it could be 1 to 2 months before I was assigned a modification specialist. They told me to try to stay as current as possible on my loan. We were 1 month behind at the time.
I borrowed money from my folks and deposited in my account to make an electronic check by phone to come out of my account Jan1,2009. I checked my bank account online on the 6th to make sure the payment to Chase for my Dec. payment had gone through. To my astonishment I found out that on Dec 30 and again on Jan. 5 Apply 2 save had withdrawn funds from my account, causing several checks to bounce and there to be no money in ther to cover my mortage payment. I was sick.
I filed a dispute with our bank against Apply2save, and am praying that they will do the right thing, and reiumburse the funds into my account.
Franklin,, North Carolina