• Report: #656904

Complaint Review: Fresh start mortgage assiatance

  • Submitted: Sat, October 30, 2010
  • Updated: Sat, November 03, 2012

  • Reported By: Davidt — wylie Texas United States of America
Fresh start mortgage assiatance
7141Marvin D. Love Freeway suite 301 Dallas, Texas United States of America

Fresh start mortgage assiatance Cris J.Sowells They took my 1282.00 and filed a form letter,they told me Dallas, Texas

*REBUTTAL Owner of company: Alvarado rebuttal

*REBUTTAL Owner of company: Rebuttal

*Consumer Comment: Chris Sowells AKA D.Bert Sowells

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On or about Dec.8.2008 Fresh Start Mortgage contacted me by mail.I was in a bankruptcy at the time.Fresh start said in there letter that i could lose my house due to arrearages in my plan.They sugested i contact them to refinancemy loan regardles of my credit history using there "Mend or Lend" program. Sounded good to me.They sent by mail some forms for me to fill out about my finantial situation.Also I signed some documents, witch i did not get a copy of.A letter explaining my responsibilitys as not to talk with the lender was also included. After some days of waiting on fresh start i got concerned and called the lender to discuss my situation.After that i called fresh start to inform of what they said. they told me being how i talked to the bank they could not help me and would not return my 1281.00 to me.I asked them to send all documents to me, all that was sent was a financial form I had filled out and returned to them.I contacted Cris Sowells some time later to get my money back , he rebuted me by saying most homeowners dont lesson to the pros and do what they are told.Ihave not seen a penny of my money.

This report was posted on Ripoff Report on 10/30/2010 03:17 PM and is a permanent record located here: http://www.ripoffreport.com/r/Fresh-start-mortgage-assiatance/Dallas-Texas-75237/Fresh-start-mortgage-assiatance-Cris-JSowells-They-took-my-128200-and-filed-a-form-lette-656904. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 1Consumer 2Employee/Owner
Updates & Rebuttals

#1 REBUTTAL Owner of company

Alvarado rebuttal

AUTHOR: Chris J. Sowells - (United States of America)

I have provided a completely accurate & very thorough rebuttal to this report. Neither I nor anyone at my company has received any paperwork or money from Mrs. Alvarado regarding the complaint she has reported. While I do appreciate the fact that you have removed the posting from the Google search for my company the same entry appears above my name in a Google search. Please do not allow this slanderous information to continue to harm me professionally and personally. I know that the information is permanent in your records but does not have to appear as a headline to my name in an internet search. Please remove this unsubstantiated, & defaming information from your search criteria. Your cooperation would be greatly appreciated.


Respectfully,


Chris Sowells

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#2 REBUTTAL Owner of company

Rebuttal

AUTHOR: Chris J. Sowells - (United States of America)

In response to the defamatory report filed by Mrs. Alvarado we provide the following factual rebuttal. While we had nothing to do with Mrs. Alvarado losing her home we did conduct business with Mrs. Alvarado under a much different set of circumstances. My first encounter with Mrs. Alvarado was several years prior to this incident (2006). I was contacted by Mrs. Alvarado because she was seeking someone to refinance her home. At the time she was delinquent on her mortgage payments on a contract for deed she owed to a private investor and the investor was in the process of evicting Mrs. Alvarado for non-payment. We were able to secure an approval for a loan to pay off her contract for deed and allow her to keep her home.

    From our research we were able to determine that Mrs. Alvarado fell behind on her mortgage payments again to the new lender that we refinanced her home with (2008). To avoid foreclosure she then filed chapter 13 bankruptcy August 31, 2009 (case # 09-45427). After approximately 3 months in bankruptcy she fell behind on her mortgage payments again and rather than continue the bankruptcy she discharged it through a chapter 7 conversion. She was contacted by Mortgage Assistance Group to assist her with a loan modification. Mortgage Assistance Group is owned by my brother Darrin Sowells. Our companies have no affiliation. Mrs. Alvarado contracted with their company for assistance with a loan modification. At some point during the term of their contract my brother had to leave on a personal matter and asked if I would contact his clients for him to check the status of their workouts until he returned. I sent a letter of authorization from my company to his clients to return to me if they wanted me to update the status of their files. We never received any correspondence from Mrs. Alvarado. Shortly afterward we started receiving comments from our prospective clients that we were on the Ripoff Report and they did not want to do business with us a result of it. We were later able to determine that Mrs. Alvarado eventually lost her home to foreclosure. We assume that because the last document she may have seen was from our company and her recollection of my name from the refinance transaction we completed clicked in her memory but she did not stop long enough to get her facts straight before she made this report.
    As a result my business has been irreparably harmed by this report because it is the first item that appears in a Google search. We are in the process of pursuing legal action against Mrs. Alvarado for her defamatory statements and the harm that its caused. Mrs. Alvarado has absolutely no documentation to support her claims against my company. My company helped her in her time of need not hurt her. While I understand it was a careless mistake the impact has been exponential in the harm it has caused to my name, my company and reputation.  Public perception of this report has severly tainted my companies name because they see it as a matter of factual information. I have been in business for almost 18 years, have an 'A" rating with the Better Business Bureau (dalllas.bbb.org) and have always operated my business in an ethical manner.

    This is the first of several measures that we are pursuing to rectify this matter and seek justice to recompence the harm brought by the reckless actions of Mrs. Alvarado. While we understand that your company only acts as a conduit to report consumer complaints we will pursue whatever measures afforded us to have our good name restored.   

Thank you for your assistance in this matter.

Sincerely,

Chris J. Sowells
Fresh Start Mortgage Assistance, Dallas
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#3 Consumer Comment

Chris Sowells AKA D.Bert Sowells

AUTHOR: Angels Denise Alvarado - (USA)

Well he did a real good number on me, let me tart by saying he has a so called brother D.Bert Sowells who is also trouble he sent me papers stateing he worked for chase bank and he could do the loan mod on my home, i even had my bankruptcy look at it and he said looks good, you should move further! So i did D. Bert Sowells called his company "mortgage assistance group" I payed him 1,000 and he proceeded to call and ask me to send stuff like, check stubs ss# seem like a really great guy, then he calls and says its gonna be any day now we will wrap this up and you will have a new loan with a lower rate and payment! And then A KNOCK AT THE DOOR !!! It was a realtor who had came by to inform me that my house was just sold in the court house steps, I began to freak out and call D. Bert Sowells with no answer i then drove to dallas to the address he had given me only to find out that it was a printing and shipping company that rents out private mailboxes!!! I was furious to say the least, I then came home and got out all of my documents, the next day i recieved in the mail a letter from a company called "fresh start mortgage" hmmmm i thought what is this opening it came to find out that it was from Chris Sowells it was a letter for me to authorize basicly to give him my loan numbers and my ss# etc. I thought this is getting strange... it gets worse!

As I was going over all my papers i then found out that Chris Sowells had a few company's but this one on my original loan mind you was called "choice one mortgage" that means i had lived in my house for 7 years and he is trying to conduct bussiness with me again! So I contacted channel 8 news they came out Brett Shipp from channel 8 came to my house and interviewed me and looked at all my documents, then they went to his office busted in and Chris was setting there and they questioned him and i only heard the audio because Brett then got swamped by so many familys that he never aired it, Now it needs to be aired and with the rest of us, because the lawyer that saw my documents from them told me I had enough proof to put them in federal prison . But it was to late what has happened to my bank story involves from being sld to me in a 12 yr old boys name ,to fraud, to predator lending and wamu had agreed for me to me in this civil action suit against them but I just got to the right attorney and it's all fixing to come out this are bad guys and by the way the attorney general of Texas had me right him my story and he was livid because 5 years ago he took Chris Sowells license away from him because another man filed charges against him now he owes even the courts over 8,000m so the attorney general is on him like clue and I think you all should tell your story to him , also kinda fuinny look him up Chris that is on facebook lol he is there and so is D.Bert sowells lol .....God help us all.....
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