I was called on my cellphone from Protection Law Center, LLC, and told they could modify my mortgage on a condo that I was renting. I told them that they couldn't modify because I did not live in the condo, because I had already tried. Fiore, the salesman, told me that they could and they do it all the time even when I didn't live in the condo. I also told him I tried to modify another townhouse I lived in and was denied because of my debt to income ratio, so I was not interested. He was adamant that they could get me approved, that he could guarantee it, without actually guaranteeing it.
He said everybody with the exception of maybe one has gotten approved. (I guess I'm NO. 2) I asked if I would get a full refund if it didn't work, and he said I wouldn't get a FULL refund because they would have put work into it. So I agreed to try it to the tune of $1950. And when I got the agreement to sign, it said that if I canceled, they would charge something like $300 per hour for the attorneys and $150 an hour for paralegals (estimating), so I immediately called Fiore and told him I wanted them to look at my financial info first before they do any work to see if it would work because I didn't want to pay that much if it wasn't going to work, and he agreed they would do that.
To cut to the chase, 7 months down the line, when they told me it would take 3 months, I had received several denial letters for not being owner-occupied and because of my debt to income ratio, exactly what I told Fiore. I called PLC furious, and they would always say it's still being reviewed for some other program. After a few months I stopped receiving calls from PLC, and the bank was calling me themself asking for documents.
Finally, about that 6-to-7-month period, the bank called and said I was denied and there were no other options and when was I going to make that final payment. I also received a certified letter saying they were going to start foreclosure proceedings if I didn't pay that one payment. I demanded my money back from PLC so I could make my payment and was refused because they said they had put over 20 hours into it. Then they offered to submit it again for another program, even when I told them they were threatening foreclosure. I did not send them any other documents because by that time I did not believe they could do anything and were just trying to avoid giving me any money back.
When I filed a complaint with the Better Business Bureau, PLC's response was they have to submit it to all the programs and they expected that I would be denied for those reasons, but they still submit them and they put 20 hours into it, which left no refund. They never reviewed anything prior to submitting it. That is not their policy, even though Fiore told me they would. Fiore also told me I would not be denied for not occupying the condo.
They still refuse to give me any kind of refund. They took $1950 from me and gave me nothing in return. I was only asking for $1000 for a refund because I realized they did put some work into it, albeit work they didn't need to because I told them I would be denied and they even admitted they knew I would be denied for some of the programs they submitted me to. They lied to me to get me to sign up on many levels. If they would have told me the truth, I never would have signed up, and now I'm scammed out of $1950.