- Report: #1081684
Report - Rebuttal - Arbitrate
Complaint Review: Home Affordable Direct
Home Affordable DirectFarmingdale, New York USA
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: http://www.ripoffreport.com/r/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.
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