Merrill & Associates Promised they would lower my payments ! Irvine California

 I was called by Merrill & Associates and I discussed with them that I would like my mortgage payment lowered

They are me alot of questions which I answered. I discussed with them that we have a lien on our property.

They said no problem.  I told them about this lien everytime I talked to them.  Again they told me no problem.

I gave them the paperwork they wanted right away.  Merrill & Associates said they would help me -no problem.

They set up a payment plan for 3 payments to equal $2,995.00.  Which went accordingly.  So I continued to

give them all information they requested when they reqested it . Then I was called several times telling me the

update and telling me who my senior processer would be. I was told Lynn Le  would be working with me.  Then

I continued to get updates atleast every week or two from someone who was working with Lynn Le.  Then I was

told they would extend our mortgage in which would lower our monthly payments.  Then I was told several times

that it was in processing and would take time.  This went on from April to August.  Then I didn't hear anything.

The numbers they gave me were disconnected or busy. I also tried e-mail and fax and did not get a response.

I really think this is a scam. I have been trying to contact them since August and I have not gotten anywhere.

So I thought I would try the internet and I found this site. I cannot afford the loss from Merrill & Associates.

I would like to get all my money back.