Date This Problem Happened: November 18, 2011
State You Live in: California
Age Range: 36-50
Total Amount of Fee Paid: $3,500
Company Name: The CLS Group (David Niman and Lynn Cole)
902 West Anaheim St.
Wilmington, CA 90744
Company Telephone Number: 866-757-1007
Website of Company: theclsgroup.org
In October 2011, I recieved an e-mail from usrefi.org/California Teachers claiming they could offer a 2.9% on home mortages.
I am always weary of e-mails that sound too good to be true, but this one I thought was legit because it came through my district’s web server. I was also misled because this e-mail claimed it was a part of the California’s Teachers e-mail list.
After contacting this company (usrefi.), I was then put into contact with The CLS (Consumer Legal Services) Group, located 902 West Anaheim St., Wilmington, CA 90744.
Next, John Muli, Sr. Legal Representative provided me with paperwork to complete. After completion I faxed over the paperwork to 1-866-757-1007. Two days later I was approved and David Niman, Home Loan Specialist II contacted me.
Again I filled out paperwork, however in order to lock in the rate I had to submit payment for $3500.00. I wrote the check November 14, 2011 and it was cashed two days later (I am now aware of SB94).
Two weeks later we attempted to contact David, but received no response. About three weeks later, we were contacted by Lynn Cole, Loan Processor. She said everything was moving along as scheduled, but the last thing we needed to submit was a payoff demand from our bank.
We submitted the payoff demand, and have heard nothing from The CLS Group. Both my husband and I have contacted CLS several times and they do not respond. In addition, on Feb. 15, 2012 Equity Partners sent my husband and I an e-mail claiming they were buying out our loan and it could take 30-45 days. It was signed by Anthony Moreno. He had no title, company address, or phone number. My husband and I both sent several e-mails to him, but he has not responded.
Consumer Action Taken:
I sent an e-mail, left several messages, and a certified letter was sent to their place of business requesting a refund in the amount of $3500. Nobody has contacted me. According to SB94, “it is illegal to collect any fees, regardless of the form, for negotiating or attempting to negotiate a loan modification for a residential mortgage. All modification services must be fully completed before any money can be collected.” They have clearly violated this law.
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