On Feb. 23 2912 I contacted professional Legal network on line to help me keep home. I was connected by Deanna Vallett. She e-mailed me some paper work and told me what they would need from me. I was told not to talk to my lender anymore. they would do that for me.
A few days later I was sent a e-mail with a docusign attached that explained what they were to do for you and that you would owe. I explained I was a Disabled Vet on a fixed income and could not afford to lose any money if the modification didn't go through would I get my money back. And was told not to worry it would.
I also told her I would not sign anything that allowed for someone to take money from my account. That I would send them the money myself. And on March 7th was sent a e-mail with the address where to send in my payments. Even though they had everything they needed I kept receiving e-mails saying that they needed one thing or another. What they really wanted was for me to sign the form to take the money from my account. I received no less then 15 requests to sign that form.
I was in a motorcycle accident towards the end of march. At that time I was told that in order to go forward with the modification I needed to send them a payment of $967.00. Even though their "Addendum 1" States that upon completion of each phase they would be entitled to fees. Well I had to go give them authorization for a one time payment over the phone so they would start the process. because I couldn't go to the bank. that was on April 3 2012.
On April 10 2012 I was told they finally submitted my file but that they still needed me to sign that "welcome Package" . I didn't hear from them again until around April 27. At that time I received a e-mail from "Jennifer" saying that I had to resend all the paper work again because what she was sent she couldn't read. My girlfriend had contacted Deanna that day also to set up a payment through my bank. And she had to remind them I refuse to allow people to pay themselves from my account.
on April 28 I received a call from Jennifer stating there was nothing they could do for me. at that same time someone was taking a payment for thier company.
How did they get my account information? From when I called Katherine Zoch to make that first payment. She had kept my information! Not only was she taking the money from my account but the information is also on those docusigns!
I got that money back. But when I asked about the other payment being returned since there was nothing they could do for me. I was given the run around.
Well come to find out they never even talked to my lender! Not once! By the time everything was said and done. And I called my lender my house was to go up for auction 5 days later! I have tried to get my money back. Asked to talk to whoever was supposed to be handling my case. The name and number of the lawyer or to have them call me and was told that they would have the lawyer call me. Nothing!
then Katherine told me I'd be entitled to $67.00 back! Because of work they had done. They NEVER even talked to talked to MY lender!!! I don't know what to do can someone help me? There is more to this I'm just tired of writing.
EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.
CHARGES TO YOUR CREDIT CARD
If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.
And good luck Let us know how you do!
ED Magedson Founder
Author of www.ripoffrevenge.com
PO Box 310, Tempe, Arizona 85280