Axsys Financial Group Ela Kitchen Mortgage Modification RIPOFF Credit Repair Ripoff San Juan Capistrano, CA 92675 California

 On 2-7-13, I contacted Axsys Financial to inquire about a house mod on my home, I'm upside down over 100k and can't afford to continue making payments on a house thats worth half of what I owe. After our initial meeting with Ela Kitchen at their San Clemente office we were wowed by stories of corporate corruption and banking irregularities to the tune of "we have a shot of a Quiet Title or in a worse case scenario a lower interest rate with a possible principle reduction" The thought of lowering our mortgage to a sum we could afford had us dreaming of being able to live beyond a day to day existence.
We were told that after a back round on our title to make sure we were dealing with a high chance of doing this for a fee of $2000 down and $1500 a month they could almost guarantee results. These fees are higher than a lot of companies doing the exact same thing but I was sent to Axsys by a lawyer and incorrectly assumed I was dealing with another lawyer whose company that was dealing in real estate law. Brokered as a "deal" in which I would also receive Ela's "expertise" in credit repair we were sucked in. Surprise to me that when we were inquiring about having them help us, when ever I placed a call to her private phone or office phone we were able to be patched right through and speak directly but after receiving down payment all the sudden we were told that we should only contact thru email via their website/portal in which all communication should be conducted.  And thus this is where the scam kicks in, we were told the first step in this procedure is to get a "QWR" a qualified written letter off to our bank which with a electronic audit of the banks and chain of command in which the banks bought and sold our loans thru Mortgage Electronic Registration System (MERS), this is where they began to team up on us with the double talk. Ela's partner in this is named George Bosy, you can see with this link how someone else may have been scammed as well.  The first thing that seemed a little fishy to me was in this "QWR" I found several grammatical errors, the kind you may see in the Nigerian Prince scam, just bad english and spelling mistakes. I brought this to their attention and was told, "it doesn't really matter" as long as letter is sent.  A month goes by and its getting to be time for our first payment of monthly installment of $1500. We decide before we are going to send of a check that we should ask where they are with the process. When I called I was told "do not call" "leave message in the portal", well ok here we go again. I leave message in portal and after no response, I call with a different phone # and they pick up and say "ohh, your computer is messed up and you are not really putting info in right. Turns out they just don't know how to use their own program, after straightening this mess out I was told,  "letters were sent and we are working on your credit". When they did not ask me for $1500 I figured they were just not really up to speed and that seemed kosher as in if they are not charging me monthly until they get going. After six weeks goes by I drop into their office and ask for proof of letters sent. They can't show proof of a letter sent and so I ask what is my credit score? You would think this is first step in credit repair........ They had not run TRW, they can't tell me until they run it in front of me. I have all of the screen shots of their "portal" in which you can see they are not prompt in any responses.  After 3 months of dealing with Axsys Financial, George Bosy/Ela Kitchen my bank did not receive any letters from them not even a 3rd Party Auth. Form which would let them do a mod. on my behalf. After 3 months they had still not contacted us for monthly payments so we figured we were scammed for initial $2K, but when we tried to contact to see if they had even sent 1 letter to bank we were told "have you received our invoice"? They are so busy with other scams that they didn't even send out their own billing let alone any paper work to help us with modifications. DO NOT DO BUSINESS WITH THESE PEOPLE, they WILL rip you off and still try to rip you off again