My name is Felix R. M**** Jr. We live at **** in Aiken SC. In late August I, after conversations with one Michael Carter, agreed to retain your services to attempt to modify my property at 3928 Lybrand Street, Edisto Beach SC as we are in the midst of a very long and costly legal battle in which we are the plaintiffs. My wife and myself make a very good living but the legal bills of +$500,000.00 and related costs has placed us in the situation that we needed to seek assistance with our mortgages. After speaking with Mike, he assured me, after hearing my side of the story that your firm can quickly and professionally make arrangements with our banks.
To this I foolishly agreed and signed all pertinent paperwork, and submitted all requested documents. After receiving said paperwork, Mr Carter informed me that to move forward I would need to send a retainer of $3500.00 split in two parts one month between payments. To this I agreed and had $1750.00 withdrawn out of my account three times with my permission shortly after our conversation. Two weeks went by and I heard nothing. I called Michael and he stated that he was only the "documentation specialist" and that Kathy Rodriguez was now handling my file. I called Kathy and someone named Heather (no last name) answered and forwarded my call to Kathy's line.
I received a voice mail to which I left a message to call me and update me on the progress. I received no call back. I tried again and again Heather sent me to her voice mail. I left another message with no reply. A week later (three weeks now) I called early in the AM and caught Kathy. After introducing myself she responded "...I was just about to call you..." I explained that I had not heard anything as to progress of needed requirements and felt I needed to know what was going on. I stated to her that the banks had been calling me and she replied "...Oh those are just collection people, hang up on them as we do not deal with them and they don't know whats going on..."
I foolishly did what she asked until the VP of the bank called me. I explained to him what I was doing and he said he had not heard anything about any communication with their loss mitigation department or their modifying people. I called Kathy back, (surprisingly I got her) and told them what they told me. She then told me that Julia (no last name) was handling things now as her job as "document specialist" was done. I told her that's what Michael told me and that she would be handling the case. She told me she would look into that but that "Julia" would be handling my file from now on. I called "Julia" and explained my predicament and that I wanted answers.
To this statement she told me "... If you are going to take that attitude I will hang up on you and not answer your calls..." This obviously upset me as I was coming to realize that I was working with rank amateurs and the only thing that was happening like clockwork was the drafts from my bank for a total of $6450.00. I called her again and she now stated that Sandra Kessler was working on my file. I called the number that "Julia" gave me and spoke with Ms Kessler. This was now late September and she (Ms Kessler) notified me that First Citizens does not work with third parties on modifications and that she could only work with Resurgent on my principal home.
To this I asked her that if it was known that First Citizens doesn't work with your firm then why was I strung along and paid $3500,00 retainer for a case that you knew you could not work with? To this she answered that the specific loan I was talking about (3928 Lybrand Street) was being handled by Michael Carter !!! I told her that he represented himself only as the "documentation specialist" and he never told me he was handling the actual negotiation. She seemed confuse at what I was telling her and told me to call Michael. I called Michael immediately and was informed by "Heather" he no longer worked there !! I asked who the hell can I speak to about this matter and she told me Kathy Rodriguez was handling it !!
After ripping out more hair, I called Kathy and she told me the boilerplate answer of "... don't speak to them they are only collections..." I told her that this was not what I was calling about and that who was actually handling my application. She told me "Julia" could help me again. I never spoke with "Julia", Sandra Kessler, Kathy or Heather again as my calls do not even go to voice-mail anymore. I am therefore requesting my retainer back and close whatever progress you have made or not made on my case. I never once in three months spoke to an attorney, legal assistant or legal aid at your firm.
Just the buffoons and Jackals I mentioned previously. I am currently spreaking with various state and government bodies along with various LEGITIMATE consumer advocate groups on this matter. I think of myself as an intelligent, well spoken professional and so is my wife. The image that your "people" are leaving is that of an amateurish con game with legal ramifications. In hindsight, I could have used the $6500.00 I sent you to perhaps make a dent in my financial picture with my bank but as you know, hindsight is 20/20. I have already spent half a million dollars on attorney's so a little more will not break me.
Anxiously awaiting your response to this letter. By the way, if you do respond, it will be the first time anyone from your firm will have taken the courtesy of doing so.