The Guardian Group Fund Luis Belevan Pres 602-507-9303 They did absolutely nothing to save my house and now I am fighting for my money Internet

Hi,

I am sorry to report to all of the victims of this massive fraud that as of today, 05.07.2010, GGF has been shut down by AZ State Regulators.

http://www.kpho.com/news/23488531/detail.html

Cheryl,

I want to say thank you for the information. I just contacted both Morgan and the Attorney Gen. office.

However, I was wondering if I could get information on who to talk to at Wells Fargo regarding my loan. There is a unique (maybe not) situation I'm in.

Wells Fargo is my loan holder. The loan was purchased from Meryll Lynch in their bankruptcy sale, I'm sure for pennies on the dollar. The Servicing company is stating to me that since it is NOT a Freddie or Fanny loan, I am not eligible for the HAMP program or any other government program. Even though Wells Fargo does participate in the program. I do believe there is an isurance policy that gaurantees 80% of the purchased value if I default. (Make money if I leave property) They would get $200k if I foreclosed or short sold.

I have found a loop hole for the banks not to participate.

This loan was purchased from Merril Lynch on the hopes I was going default. The only answer they have for me is. You want to short sale?

Is anyone else in this situation?

Recap: I have (1) loan that I am current on. It was an 80% ltv loan. It's and interest only loan that will mature in 12 months.

I have lost approx. $300k in value in (home value) the last year. I am currently about $220k upside down.

I do believe I pay more than my fair share of taxes and believe I should be just as eligible as everyone else.

you need to contact Frank Curatola at the attorney generals office 1st. His email is Frank.curatola@azag.gov He is a very nice guy. then contact Morgan Loew 602-650-0745. He also is very nice. Good Luck. Don't waste any more time. They are going to be runny very soon.

I would like to get the contact information to either Joshua Apodaca or to Morgan Lowe with channel 5 news.

I gave my $1595 with all the qualified info. I was told this was the ultimate package. I was on time with my payments and have one loan that was an 80% ltv. Which is now $225000 unside down. I lost $325000 in one year. Everything was turned in Dec 10, 2009. There has been no correspondence. With countless calls and emails, (none being returned) How could I not think this is a scam.

Joshua Apodaca, if it is not a scam, please give me your contact info or feel free to ask for mine.

PS. James... You make me want to PUKE! Any comment?

Morgan Lowe called me from news channel 5 today. He is investigating the GGF. All victims call or email him asap

Anyone having a dealing with GGF should be calling Channel 5 on your side as they are doing an investigative report currently on GGF.  Give them and Arizona Attorney General's office any information you have to help the investigation of this company.

"so tell me why the business card you gave me on Feb. 5,2010 has the GGF logo? And where is my refund that YOU told me that you personally sent out FedEx that day? It's now March 24th and no refund.  Lear's need to keep their lies straight. Get you facts correct I have kept dates and names of every one I/we have talked to. And one more thing, GGF "NEVER" purchased my house. I checked on line and the same company that showed up on the day of the action and gave me a 5 notice to vacate is now the owner "NOT GGF" unless they are going under "ANOTHER" name.  That's okay I have special agent Caritola from the Attorney Generals office checking into the GGF. I'm done here."

so tell me why the business card you gave me on Feb. 5,2010 has the GGF logo? And where is my refund that YOU told me that you personally sent out FedEx that day? It's now March 24th and no refund.  Lear's need to keep their lies straight. Get you facts correct I have kept dates and names of every one I/we have talked to. And one more thing, GGF "NEVER" purchased my house. I checked on line and the same company that showed up on the day of the action and gave me a 5 notice to vacate is now the owner "NOT GGF" unless they are going under "ANOTHER" name.  That's okay I special agent Caritola from the Attorney Generals office checking into the GGF. I'm done here.

Josh,

a few easy questions, that if answered could do a lot to help/explain/ end some frustration by many at this and other sites.  Granted many consumers do many silly things and do not help their situation, as the saying goes there are 3 sides to every story.  People if you have received a foreclosure notice- only an attorney can help you at that point!  I am not attacking but asking you a few reasonable questions

1. I have seen your title in several places as a marketing director but also as a VP.  Are you an employee or not? your letter says no, so then what 1099/ independent?  Yet you work out of GGF office?  I don't care about your compensation, per se, but you either are or are not an employee and you either do or do not get compensated from deals that you bring in.

2. You mention the deal was brought in by one of your affliates?  see question above?

3. Should you not have known her financial situation before you agreed to her application?  would not a red flag or several have been raised as some point during your "underwriting process"?  surely you had proof of her inability to pay or the fact that the house was "not even upside down that much"?  If not then your company is even scarier than some of the people have stated.  Please explain?

4.If you were the top of whatever affiliate chain brought in her application then yes you are responsible, how can you say that you are not.

5. Do you not have any proof of settled deals that you can post and calm many people's fears?  with all the time that you have had, why is it that no one from or "affiliated" with GGF can produce anything other than one closing from last year?

6. why would you continue to have posted that the GGF process is a 60-90 day process when it is clearly 120+.  If you were more accurate upfront with consumers you could lessen some of the stress.  Everyone knows that short sales are in the 6month + timeframe.  I am assuming this is the case for your program as well.

7. Why would you run a company under the GGF name on the web, yet none exists? I am told that the "contract" you have is done with Guardian Group, LLC.  Subtle name changes are always a warning sign. Can you explain to ease our fears?

8. A program like this could be the answer to many people's troubles.  why is it not run in a traditional b-to-b manner.  the fact that is looks like a MLM and that "anyone" can be an affiliate creates doubt in your legitamacy? i.e. this is most often how scams are run.  why?

If you would be kind enough to shed some light on this, then maybe some of the panic would/could go away.  All people want is true and correct information so that they have proper expectations.  Thanks

We would love to call "3 on your side." It has been over 120 days with us and now we have 3 weeks before the foreclosure happens. We will file with the Attorney General also. Nothing has been done; no phone calls returned; no short sell contracts as promised; no reports from their bank negotiations. What a scam! $1,595, and for what?

Johnny your still floating around, huh!  Let me ask you, how many loans have you funded with Guardian Group?

There still is no PROOF that Guardian Group can accomplish a principle reduction thru PPIP or a Hedge Fund or what ever.

The only PROOF, is that people are giving Guardian Group $1595, which now amounts to MILLIONS of dollars.  90 to 120 days till Fund.....where's the PROOF (should be hundreds of examples by NOW)?

Until this company provides more than one example of a funded deal, I'd suggest to everyone out there...do your own due diligence.

Did you pay Guardian for foreclosure defense? Or to try to buy your note and do a cram-down on a home that had already gone through all foreclosure proceedings through the courts?? Sounds to me like you sat on your hands and did nothing, living in your house rent-free, without defending any foreclosure actions, then when time was expired, expected a miracle. Grow up, learn, and have a plan next time, don't blame it on someone else. $1595 was how many months worth of payments you never made?????

I would like to answer a simple problem that you have experienced and you can iyilze for your future reference.
I have been in the Mortgage banking industry for over 16 years and have much Knowledge with Real estate and Commercial properties as well.
If you are in a foreclosure process that means you have a legal entity pending in records of a default on your loan which is recorded and becomes a legal document.
The company that did what they did is legal and i have checked this company out .
The problem is when clients ask for help on the principal reduction it is assuming that you meet the eligibility requirements and DTI  requirements as well as an underwriting approval.
however , the only person that could stop a foreclosure or short sale is a Real estate attorney . You can do it your self by filing a motion to the judge to request a hearing to delay a short sale & delay the foreclose process , every state has this .
If you are in a foreclosure or and pending a Sale date , you MUST hire an attorney to delay that process.
The only way the judge will delay is to prove the reason. Well if you are pre approved pending underwriting approval, and the judge sees the documents ehrthher its a loan modification or Principla reduction, he will grat you a sufficient amount of time to delay the process. Actually an attorney can delay it up to a !1 year if he wants , maybe evn longer.
If you didn't receive your monies back then that's one thing but you should of revived the title insurance and the survey fee back at least because these things are not done till you close . The appraisal will not because it has to be done, so you should only lose that cost and a credit report charge , that's it.
They can do the Principal reduction but they do9nt stop foreclosures , they cant!!!
You the homeowner is responsible for that part and that's when it gets difficult.
I have many client i help when they are in foreclosure , they can go get there own attorney and pay over 2500 or i guide them to do it themselves for free for 1 hr and its that easy. Of course the attorney wont tell you that, you are taking money from them, you can of done it many times and helped many clients for them, no charge by the way.
The Principal reduction i believe takes 90-120 days to close, so it is imperative you work on the foreclosure end, its not Guardian groups job, a lot of times the rep[representative if he is fully educated and knows the business he will be aware of this , its normal in the mortgage and real estate business to know this. But the representative may have led you to believe that they would, that's wrong!!
You must delay the process altogether in the meantime the company guardian group will process and try to close the loan within 120 days.
I love helping people if i can be of any assistance please contact me anytime .
God Bless   Dave   (((ROR redacted)))

THANKS WE NEED TO GET THE WORD OUT. They are scamming so many Hispanics its rediculous.  I was in there to get my money and loudly in the lobby of their scottsdale place i said "I need my money and file".

Thanks tell everyone to file a complaint and demand your money

THANKS WE NEED TO GET THE WORD OUT. They are scamming so many Hispanics its rediculous.  I was in there to get my money and loudly in the lobby of their scottsdale place i said "I need my money and file".

Thanks tell everyone to file a complaint and demand your money

I filed my report with the Attorney General. ggf is going down. they are scamming hard working people in their time of need .

i contacted 3 on your side reporter gary harper and i am  waiting for a call back. i suggest everyone else also contact him. if anyone can get our money and stop them, he can.

So to the person "James" that said GGF saved them $210k... where is your original note and where is the new note? You could save everyone on here some heart ache. Post the note somewhere, link to it so everyone can see it and be done with this.

For those of you uneducated. I called them to get some information as I was talking to another company in California that seemed to have started this. Guess what contracts look exactly the same, short of the logos at the top? You guessed it, Guardian Group and PropertyRelief. Not only do they have the same contracts, but their power point presentation is awfully similar. All they did was steal a legitimate idea from another company, spin it off as their own (without any originality to the program) and then tell people they are backed by first, a $5b fund, then a $20b fund then a $40b fun and now a $65b fund. Make up your minds. My husband knew this was a scam from the get go... we did a LOT of due dilligence, calling more than once as different individuals and got different answers, none of which made much sense.

I got my refund on fri the 12th of feb. I demanded it or I would come down with the media.  I am in process of filing a complaint with the attorney general.  They need all the customers who are in the same position to file a complaint. so we can see Josh and all those scammers and latinos and latinas in jail.  Have you noticed they only have Hispanic young girls and guys working there. Is it a w***e house or a place of business.  Josh knows what is going on in the scams and continues becasue he gets 300 dollars for every scam he gets in.  What happened we will call you in 3 days to see if it was going to go through.  And nothing was said no phone calls no nothing. 

please file a complaint to the attorney general. go  to the website and file a complaint. keep all you paper work. 

plese respond if you need more info.  I am now dealing with an honest family friend hopefully this will be the last person i will deal with. 

yes my house was in foreclosure, more than 30 days out,but I was told on dec.4th that if i came up with the $1595 that ggf could stop the sale while they worked with wellsfargo to buy the note. after the check was cashed(which should not have been done if they couldn't) i started following up with wf every week, sometime twice a week.wf kept telling me there was no activity other than myself. ggf would tell me i was speaking to the wrong department the sale was postponed and tell me not to worry everthing was taken care of. when i asked for a # and ext they were calling for wf' i was told they could not give that to me. when i asked wf for that department, they would tell me there was no such department. it is feb. 16th and i still have not received my full refund. nothing!!!!! i was told the 1st time (1/22/2010)it was mailed out. then the 2nd time(2/1/2010) joshua apodaca told me he personaly made sure it was sent out  that day by fedex and the 3rd time(2/5/2010) was when accounting called me and told me it was mailed out.  my question is, how do you know so much about this issue of mine, that i did not mention in my report? are you working for ggf?

SOUNDS LIKE THIS IS A COMMENT FROM GGF LEAVING HERE.  I have so much proof that this company is a scam!!!!! WATCH HOW THEY SCREW YOU OVER!! IF YOU ARE A TRUE CUSTOMER OF THEIRS.

Hi James,

I think it's fantastic that you were able to reduce your balance, can I ask what state your property is in?

WOW---After reading your complaint, I realized you were @ the Notice Of SALE stage. This means that you were NOT PAYING your Mortgage (rent free) for at least 6 to 12 months, maybe more in todays foreclosure world. GGF saved me over 210,000 on my principal balance reduction, but I was NOT LATE and surely would not be @ the NOS stage. two things I can see, 1 is you probably couldn't afford your home in the first place (or had a hardship) 2. Got away with NOT paying your mortgage for ???? months / year? and now want to BLAME someone ELSE. Why is that?? You should have went to one of those Loan Mod companies, they would have charged you 3500 and not even returned 1295 (honorable) and you STILL would have FINALLY had your home Foreclosed on. As i said early on, it's always the loosers who like to BLAME everyone else. If they can save me 210,000 for $1595, I'd take that bet any day of the week. BESIDES they tell you it will take 60 to 90 days to purchase your note at Todays Market / Appraised value, So WHY DID YOU WAIT till the Last Minute to take ANY Action Period??

Hello.  I have to ask you a question?  By the way your story reads, it sounds as if your house was going through a short sale or a foreclosure....is this correct?  I am currently in this process and have been nervous about it as well.  However, I did get a letter from Wells Fargo about 1 week ago (I started this on Jan 14, 2010), and the letter said that they received a communication from the Guardian Group Fund that stated I have given them permission to speak about my loan on my  behalf.  I felt a little more at ease when I received it because it let me know that something is being worked on.  However I wanted to ask you this because in no way am I in a situation where my house is at risk.....I have never been late on anything, nor am I at risk of foreclosure.....my home though is about $200,000 less than what I purchased and have my mortgage for.  If you could please let me know if you were in foreclosure, etc., I would appreciate it because if not, and you all of the sudden saw your home go like that, would cause great alarm.  I'm very sorry to hear this happen to you.