Consumer reviews and reports on scam companies, bad products and services
Nine Year Mortgage Verified REVIEW: 9 Year Mortgage customer satisfaction commitment, delivering on promised results, gives clients a no-risk, money b
17th of Jul, 2012 by User941511
Ripoff Report Verifiedв„ў ONSITE REVIEW: EDitor’s UPDATE: Positive rating and recognition has been given to for its commitment to excellence in customer service. ..The information provided in this report was based on comments made by Larry Ruff and his staff during an On-Site inspection held by a third party verification company with no biases towards the Nine Year Mortgage. This inspection took place at their corporate facilities in Utah to meet with their management team, an examination of their customer contracts, customer service policies and procedures, sales practices, and direct discussion with their clients. After concluding our review process, we are proud to recommend Nine Year Mortgage as an outstanding financial services company, with a focused commitment to total client satisfaction and results. Our review of Nine Year Mortgage and its program, included an on-site visit Nine Year Mortgage chairman, Howard Ruff, is the renowned publisher of The Ruff Times financial newsletter and author of the New York Times best selling financial book of all time, How to Prosper During the Coming Bad Years. He informed us that his personal business philosophy is to deliver 100% on all promised results, and our research and thorough investigation reveals that he does exactly that. He considers it his mission to reverse the tide of consumer debt in America, one family at a time. When asked about his commitment to helping each customer realize their financial goals, he replied, "We are so serious about it that we guarantee each client's results with a risk-free money-back guarantee that we will meet every commitment, including the amount of time it will take for clients to become debt free." ”Another top executive of the company told us that Mr. Ruff's personal business philosophy resonates with every employee in the company, "We strive to add additional value in our services wherever possible. We understand that a successful business model is based on satisfied, happy clients. It invariably leads to referrals of friends and family." The company's mission statement states: [Nine Year Mortgage is committed to helping our clients reach financial security.] Our goal is to provide our clients the help they need need to get out of debt, combined with an excellent customer service experience along the way." Ripoff Report Verifiedв„ў .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business.. Nine Year Mortgage provides a service to its customers that allow them to pay off debts within nine to ten years. Their program is automated and guarantees people get out of debt that are seeking help. The service is something that an individual could do on their own; however, they have found that it provides the structure that is needed to help them become successful in eliminating debt through the use of discipline. Nine Year Mortgage (NYM) stated that their customers must be current on all debts and they generally turn away 95% of inquiries because of that standard. It is a service for those that have tried on their own and been unsuccessful. Like many competitors in their market, NYM advertises on the radio through national spots and Sirius Satellite. Although, they state that other companies try to negotiate with credit card companies and mortgage companies for rates that have a negative impact on the client’s credit history. Their program allows for a one stop shop that lays out a plan for paying off debt in the fastest manner possible. They state that their company works with clients to make sure they have a great experience and if not, they will provide a full refund and help them with fees still owed to NYM. Nine Year Mortgage’s sales process starts working when a client inquires about their services. The company states that a CD is mailed to the individual and they cover the shipping charges. Once an individual has received CDs an outbound agent calls to discuss qualifying questions to discover if they are a good candidate for the program. If the client moves forward, a plan is created and two people from NYM work with them to complete the sale. The client is then responsible for making monthly payments. The company notes that they very rarely have complaints because they are working with clients for nine years. For the first month, they are usually talking to clients every day to get their plan established, and then communication becomes less as clients progress in their program. When they do have issues that arise, they try to work out the problem by phone; however, the company states that complaints are rare. One thing the company is aware of is that they have over promised in some areas when closing a sale. They stated that they are currently working to under promise and over deliver through specific parameters that will better help in qualifying candidates for the program while providing the best customer service possible. Since Nine Year Mortgage is part of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program they have added a Money Back Guarantee, free “End of Life” legal services, and become more lenient in times of hardship. The company thinks that it is great that they are working with Ripoff Report to redeem their reputation and take a proactive approach to complaints in their industry. Like Ripoff Report always says, .. All businesses make mistakes.. how they take care of them is what separates good businesses from bad businesses. Ripoff Report found the Nine Year Mortgage management team to be high caliber, well trained, and competent. Bill Erickson, VP of Customer Services stated, "I have seen great dedication to each client's success from every member of our team. The fact that we guarantee their success is a natural result of that commitment. Our passion is to fine tune things so that clients can reach their debt free goals months, or even years ahead of schedule. In my 40+ years in the banking and financial services industry, I've never had the extraordinary level of personal satisfaction that I have here over the lives that we change for the better. This program has proven invaluable to thousands of families who are getting the help they need to get out of debt." Nine Year Mortgage employees truly enjoy serving clients and treating them as family. Employee feedback and surveys reveal comments such as this from Financial Plan Coordinator Steve Larsen, "Nine Year Mortgage provides a very positive work environment for us. Opportunities for suggestions and improvements are encouraged and implemented. Every level of management is concerned about our contribution to the company and providing growth opportunities for us. They take the time to listen and communicate with both employees and customers." Ripoff Report was pleased to learn that Nine Year Mortgage’s past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction. 9 Year Mortgage recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. When handled correctly, they can provide valuable opportunities to improve service levels. With the feedback generated by Ripoff Report’s Investigation, Nine Year Mortgage has made further improvements in its processes, allowing its clients and employees an even more streamlined approach to problem resolution with their commitment to a great client experience. In summary, after our review of 9 Year Mortgage, Ripoff Report is convinced that Nine Year Mortgage is committed to quality delivery of services resulting in total client satisfaction. As always, Ripoff Report cannot guarantee that every customer or employee will always be 100% satisfied in every case, but we promise that if you have any concern with Nine Year Mortgage or any of our Corporate Advocacy Program members, we will do everything we can to see that the issue is addressed quickly and that you are treated fairly and with respect. If an issue arises that you think you cannot resolve with any member of Ripoff Report’s Corporate Advocacy Program.. please contact us. [email protected] As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact any client who files a complaint so they can make things right with them. In order to confirm that the complaint was resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer .. Read what satisfied customers said about Nine Year Mortgage Check out their YouTube Video ===================== NOW TO THE ORIGINAL REPORT THAT WAS FILED ===================== Nine Year Mortgage Nine Year Mortgage Has An Enticing Radio Ad...BEWARE! It's a SCAM! Internet Anyone ever heard of Nine Year Mortgage? They have an enticing radio ad on Sirius radio that promises to lower your monthly expenses by eliminating all your as little as nine years. They use words like "compound interest" and claim they have a special program that has secret mathmatical algorithms that allows them to be able to guarantee that you be completely debt free in the promised time or you get 110% of your money back! Seems to good to be true, doesn't it? It is. Unfortunately my fiancee was laid off recently and is struggling (as many are) to find another job. We are both military reservists trying to make ends meet on one full time paycheck and Nine Year Mortgage seemed like a promising solution. After undergoing three conference calls that averaged 2.5 hours long to "qualify" for their program...which if you have any debt at all, you qualify. They never really clarify what services they offer and lead you that since their commercial claims they lower your monthly debt, they do this by working with your creditors to lower interest rates. Not so! Be aware that all Nine Year Mortgage does is pay your creditors every month by electronically drafting money out of your bank account. Well hell, my bank has Bill Pay and it's free. They pick one creditor with the highest interest rate and pays more to them. Their special financial plan to get you out of debt is no different than Dave Ramsey's snow ball effect for eliminating debt. You can do this yourself! Want better finance tools? Sign up for, it also is free. If you ask to see Nine Year Mortgage's mock version of their financial plan and online account system prior to signing up with them, they won't provide it. They pray on those who are financially struggling and make their financial situation worse for their own financial gain. Nine Year actually has a "refund committee" that only meets every Friday to make refund decisions. Let me tell you, they will never issue a refund, but try and swindle you out of more money by staying with their program at a "substantial savings". They always have an excuse why they still have not made a decision on your refund. We have filed complaints with the Utah BBB, the FTC and the Utah and Arizona attorney general. Our attorney has reviewed our contract with Nine Year Mortgage and has determined that we have been swindled. We will still fight, even if we must file a lawsuit.

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