• Report: #1081684

Complaint Review: Home Affordable Direct

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  • Submitted: Wed, September 04, 2013
  • Updated: Mon, April 07, 2014

  • Reported By: Don — Norway Maine
Home Affordable Direct
Farmingdale, 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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#1 Author of original report

Refusal to Honor Refund Contract

AUTHOR: Don - ()

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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