Date This Problem Happened: March 27, 2012
State You Live in: Illinois
Age Range: 51-65
Total Amount of Fee Paid: $1,687.94
Company Name: 1st United Consultants
Company Telephone Number: 855-426-4294
Website of Company: 1unite.com
March 27th 2012., I was contacted by: 1st United Consultants claiming that I had been prequalified for a mortgage modification and that I could do this through them and there would be no fees involved with the process.
Also, they said that I could include my credit cards and that I would get 10 to 15 cents on the dollar. The total for this was to be 1687.94 a month and that it would create a savings of 598.00 a month for me.
In fact, the real deal was that the money was going into a third party account that had nothing to do with my debt reduction or mortgage modification. These fees were to be collected for six months and than all my debt would be settled for me.
After having read the ROBO signing contract that I unfortunately signed I found out that I had no right to become part of any type of class action that might be taken against the company and that none of the money could or would be refunded.
Also, that the only arbitration I could take would be in a small court which immediately sent up flags for me and I knew instantly that I had just been taken and scammed.
Immediatley I called the company and questioned all the inclusions in the contract and asked why such language was being used. Also, I asked if my mortgage company was going to be contacted and they said that after six month they would negotiate all my agreed to items in the contract.
However, in the mean time all my debt would go into default and the possibility of my house ending up in a short sale was emmenant. They had truely pulled the wool over my eyes with promises that I later found out were without guarantee of success and illegal under todays laws.
Consumer Action Taken:
Called the company and asked Tony Yoo to have the senior manager John call me back because I had concerns about the contract that I had did over the internet where you click an open space and it puts your name in that spot.
The manager has not called me back. My intentions are to file complaints with the State of Illinois Attorneys General Office in my state and any other state that this company does business in.
Also, in the contract it states that if you miss a payment that the contract will be terminated and all your monys would be forfeit. So, taking that language littereally I called my bank immediately and explained to them what had taken place. TCF bank God Bless them helped me out and put a stop and return on the pending item.
Further, I called the States Attorneys Office and they informed me that what had taken place was Illegal activity on the part of this company. Promising to get rid of my debt at 10 to 15 cents on the dollar was not legal., Taking monys on the promise of a Mortgage Modification was Illegal.
Unbelievable they were going to let me twist in the wind and take all the money they had collected and pay themselves for services that were never given.
Further, the money I was to be saving was the money they decided to let me keep that was supposed to be paid to my creditors. Talk about sticking your hand into someones pocket and running with the loot. Be warned …..
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1st United Consultants - Consumer Complaint - 4-4-2012 by Consumer
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