Complaint Review: Home Affordable Direct - Farmingdale New York
- Home Affordable Direct Farmingdale, New York USA
- Phone: 877-221-3550
- Web:
- Category: Consumer Services
Home Affordable Direct Failed to Honor Contract Refund Farmingdale New York
*Author of original report: Refusal to Honor Refund Contract
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Home Affordable Direct promised verbally to lower my mortgage interest to 2% or their fee ($1,496.00) would be refunded. Their contract says refund if no modification made. None was made. They claim a modification was done, except nothing changed. They have refused a refund. No modification could be made because my "mortgage" was actually a personal loan, with no real estate involved, with my mobile home as collateral. In Maine, no land means no mortgage possible. I pointed out to their representative, John Anthony Catalfomo, during my initial inquiry that my mobile home was in a mobile home park on a rental site. Early on in their fruitless efforts for a modification, I supplied them with the financing documents that clearly, to a trained eye, was a personal loan installment agreement. I did not know it was not a mortgage until consulting my lawyer. The financing bank had been sending me 1099 mortgage interest summaries, yearly. It turns out the 1099 form can be used for any interest report. I did not know this, either. My lawyer states that they, in that business for years, had to have known it was not a mortgage.
This report was posted on Ripoff Report on 09/04/2013 03:00 PM and is a permanent record located here: https://www.ripoffreport.com/reports/home-affordable-direct/farmingdale-new-york-11735/home-affordable-direct-failed-to-honor-contract-refund-farmingdale-new-york-1081684. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#1 Author of original report
Refusal to Honor Refund Contract
AUTHOR: Don - ()
SUBMITTED: Thursday, December 05, 2013
Home Affordable Direct makes it sound real good with their policy statements. The problem is they don't do as they say. I have not heard from them about a refund due to failure of their efforts. The Better Business Bureau of New York contacted them twice with no response. That is why they have a poor rating from them. They also ignored communications from the Maine Office of Consumer Protection. I trusted them while they told me everything was going as scheduled until 2 days before the bank scheduled court eviction hearing. I had to borrow to bring the bank current and still am left with more than $700.00 owed for the bank's legal fees. Does this sound like a success for them? I don't think so! I need that $1496.00 back to pay my expenses. Then I will thank them here and change my opinion.
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