Consumer reviews and reports on scam companies, bad products and services
Home Owners Advocate Loss Mititgation HOALM After Encourgement that loan mod chances were excellent & signed promise for full refund upon failure ~ we
2nd of Jan, 2012 by User972652
We were referred by a friend to Stephen Vesper (Loss Mitigation Executive) at HOALM. After sharing our circumstances, we were encouraged to proceed because our chance for a loan modification with BofA were excellent. We thought carefully, checked the San Diego Better Business Bureau for any complaints against HOALM, there were none then. The clincher to proceed was HOALM's full refund policy (received verbally and written) in the event a loan modification was denied. We filled out and returning all initial and subsequent documents directly to HOALM, per their condition to assist us. We deposited the cashier's check of $3600 into HOALM's bank (BofA ~ yes ironic) to officially start our case. During the next year, we provided all required documents to HOALM, made three trial payments while BofA reviewed our case for a modification. BofA denied the loan modification because they "didn't received all the documents required." We contacted HOALM as to what was going on, if BofA didn't get docs we sent ~ HOALM fouled up somewhere. HOALM was going contact BofA to see what else could be done or what was needed, we never heard from HOALM again. We then filed a complaint with the San Diego Business Bureau and HOALM said they are not going to refund our $3600. We are pursuing other options to get our refund as I had to medically retire from my job because of all the stress related to this situation. Shame on you HOALM! We want and need our refund and will not rest until we get it.
Comments
362 days ago by Nordikko
We shouldn't have paid any money, the only thing HOALM give us was our home on FORECLOSURE, they make us stop doing the monthly payments and on top of that we give them $ 3600 dls. after that, they didn't answer our phone calls anymore, please if anybody knows something about what can we do to get our money back we appreciate it cause we really need it, we hope we can find some help about it Thanks.
362 days ago by Nordikko
We shouldn't have paid any money, the only thing HOALM give us was our home on FORECLOSURE, they make us stop doing the monthly payments and on top of that we give them $ 3600 dls. after that, they didn't answer our phone calls anymore, please if anybody knows something about what can we do to get our money back we appreciate it cause we really need it, we hope we can find some help about it Thanks.

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