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Report: #1320461

Complaint Review: Loan Compliance Advisory Group - Toms River New Jersey

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  • Reported By: Cynthia — Mobile Alabama USA
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  • Loan Compliance Advisory Group 1358 Hooper Avenue Toms River, New Jersey USA

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My husband and I discovered that our mortgage company was fraudulent a long time ago.  But we did not know how to go about sueing them.  I saw the info online about Loan Compliance Advisory Group that advertised everything that we were looking for to persue our mortgage company. I called, Joseph Bisogno called me back and asked me to send him a copy of our billing statement.  I did, he comfirmed some of the questions that we had just from our statement.  He told me about his services and the flat fee that his company charged.  I verified him with the BBB of Delaware, spoke with Marilyn, who verified that the company only had two disputes and that they were resolved. I comfronted Joseph about the Ripoff reports that I had read, after he constantly called me telling me how he could help us file charges against this fraudulent mortgage company.  Joseph explained to me that there was someone out there that was trying to sabotage him and his company, but to be assured that none of that was true.  He allowed us to pay on a payment plan of four payments.

Joseph got to work immediately, requesting info from mortgage company and sending us tracking info to what he sent out.  Right after, Joseph requested paperwork/info and they signed for it, the mortgage company had their attorneys to file foreclosure.  Joseph sent the attorney's office a certified letter stating for them to cease all foreclosure proceeding because we were in the process of disputing the validity of the loan.  I told Joseph that the mortgage company continued calling me, he told me not to answer them and when I told him that I was working on paperwork to send to Consumer Federal Protection Bureau, he told me not to do that either because it was being taken care of. 

Joseph received the requested paperwork from mortgage company and told us that he and his group was in negotiations with the people from the mortgage  company. After Joseph received the final payment, we could not get in touch with him. He did not return our calls or emails.  After calling Joseph over and over, he would state that it would be two days, then two mored days, then the next week and then nothing else from Joseph. 

I finally just called the attorney that was handling the foreclosure and I also contacted the mortgage company.  The Foreclosure was still ACTIVE in both offices and Joseph has himself and his group listed wtih our mortgage company as the person/attorney/company to receive all info concerning our mortgage.  We knew nothing about that. We don't have any info, other than our sale date is tomorrow 8/4. No one has said anything about any negotiations either. We know that our mortgage company is fraudulent, but so is Joseph Bisogno and Loan Compliance Advisory Group. He blind sided us, he gave us just enough info to make us believe that he was competent and capable about what he was doing. He faxed some (partial) paperwork and went over what he sent with me but it was just something that I could have requested myself.  He took our money, he had no intentions of doing right by us.  He is not professional, he is a con. His business is a scam and if he did have any meetings or negotiations with people from our mortgage company, we believe it was to negotiate kickbacks or something under the table for him. As serious and important that this is, he has not tried to contact us at all with any info.  He has no remorse for what he does to people and don't stand by his bogus contract. He should really be put out of business!

This report was posted on Ripoff Report on 08/03/2016 11:18 AM and is a permanent record located here: https://www.ripoffreport.com/reports/loan-compliance-advisory-group/toms-river-new-jersey-08753/loan-compliance-advisory-group-the-biggest-fraud-ever-toms-river-new-jersey-1320461. 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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REBUTTALS & REPLIES:
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3Consumer
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#3 Consumer Suggestion

Joe's Home Address

AUTHOR: Anonymous - (USA)

POSTED: Monday, August 07, 2017

For anyone who was taken by Joseph Bisogno, and would like to file a case against him, his Tom's River, NJ address can be found on the Better Business Bureau website:

https://www.bbb.org/en/us/search?inputText=Loan%20Compliance%20Advisory%20Group&locationText=Wilmington%2C%20DE&locationLatLng=39.763224,-75.568045&page=1

The Better Business Bureau recently attached this address to their file, which already contained the address at:

2207 Concord Pike

Wilmington, DE 19803

I had kept Joe's home address in reserve, in order to keep from being excluded from litigation, but after the BBB updated their file, I did not see any reason to hold back further. This *is* Joe Bisogno, Sr.'s address, at which papers can be served. His wife, Linda, was listed on the incorporation paperwork, and presumably knows about LCAG's dishonest and fraudulent business practices as well. If some choose to go forward on their own legal actions, I did not want to hold them back further.

I have attached an old photo of Joe, Sr. in a tuxedo, which I found online, so that process servers can be sure they have the right Joe Bisogno. The site where the photo could be found has been taken down since I originally discovered it, indicating that the pressure I've applied thus far has had an effect. Further, Sandy and Linda have blocked me on Facebook, indicating that they are aware of what's going on. I have not yet confirmed Sandy's address, but she does live nearby. I have a short list of addresses for Sandy, and a most likely candidate address, but choose not to post them, since she has presumably innocent family living with her. As both Joe, Sr. and Linda are both implicated, and the BBB has already outed them, I consider them fair game here.

Newer, family photos of Joe show that he has aged some since the attached photo. I did not post other photos to avoid implicating other family members who, to my knowledge, are not involved in LCAG. I have also attached a photo of Linda, taken from her Facebook page.

Best to all in your pursuit of justice. Apologies for any delay.

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#2 Consumer Comment

Loan Compliance LCAG

AUTHOR: Mary N Cooper - (USA)

POSTED: Thursday, July 20, 2017

Dear Everyoine,

The same thing (Almost the same exact) happen to me except I wasn't in forcloser

Everthing was already taken from me. The state of NJ contacted me and was going to put me in with a group of people who lost their homes or had to sell on short sale and try to help them re-coup some of their losses

Then along came Joseph Bisigno and LCAG in short all they did was rip me off too

I am and want to file a civil suite against him and there whole company but I need people to contact me

We should all ban together and sue him as he lives on our money in Tom River NJ

If interested please contact me at

marync913@gmail.com

(Also does anyonw know if he is still operating in Deleware) I keep trying to call no answer and the web site was down last I checked

Any info will be greatly appreciated.

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#1 Consumer Suggestion

Report LCAG To The Federal Trade Commission

AUTHOR: Anonymous - (USA)

POSTED: Monday, July 17, 2017

My story is painfully similar to yours. I suggest you file a complaint with the Federal Trade Commission (FTC), and please keep reading.

Please see the first post about LCAG in this thread, originally submitted on November 22nd, 2011 and updated May 6th, 2015, for my full response and record of recent interaction with Joseph Bisogno. My full response to the first post has the same title as this abbreviated response to your post.

I am still soliciting attorneys now and would like to file a class action suit against Joseph and Sandy, et al. The more people who are on board, the more likely I am to obtain a successful result. While I cannot make any guarantees, of course, I am hopeful that we will be able to secure damages through legal channels. I would appreciate your assistance. A response to this post will help get that process started.

While I cannot rule out that Joseph and Sandy managed to attach their paperwork to motions which were otherwise legitimate, I have not yet found a case in which they provided the conclusive evidence necessary to renegotiate a mortgage or obtain a bond claim. I have found substantially more cases in which people describe an experience like ours. Given the sample discovered thus far, I would not be surprised to find that LCAG never produced "specialized leverage reports" as promised in their contract to me, which no doubt was used on other victims. LCAG was operational for close to 10 years, and may still be reeling in clients, so I am hopeful that enough victims can be tracked down to move this effort forward and make it attractive to an attorney or attorneys.

I would also suggest preparing your personal case by parsing through the details of your agreement with Joe and documenting just where, when, and how he failed to perform according to the terms of your agreement with him, as I have done. Keep your file for your personal or group effort, as relevant.

Thank you for your time, attention, and efforts!

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