Called from 321-332-0208

Man w/ heavy Indian accent calling from "First Consulting Solution," allegedly in Florida, but when Googled leads to Jhandewalan, New Delhi, India. Big surprise, but at least he got the company name right, but not its locale!  Website w/ hidden registrant = www.loanmod.8k.com.  Wants $1,500 for the loan mod software. Purportedly you buy software and get help from loan officers, mortgage brokers, etc.

Caller could not explain why FCS name isn't on loanmod.8k.com.

End run SCAM around MARS and CA laws prohibiting upfront fees for loan mods.

hi where are the coments

Same thing here. Fred Martin, Low rate Modification 407-745-1829. WWW.loanmod.8k.com.
Scam Scam Scam......I called him back and read him the comments above with his name in it. lol
He was still trying to convince me he was legit.

Be careful people!!!!

Don't like these baboons calling you?

Call them up and say so....They have a TOLL FREE number on their website: www.mortgagereliefhotline.com

These baboons call from these other numbers as well:

215-764-6349
406-478-2009
425-296-0669
843-564-6953
208-963-0852

ALL of these calls are coming from an outbound call center located in India.  Once they have someone that looks as if they might be interested and might qualify, they then transfer them to the mortgage lending company here in the US.
These US based companies PAY these goobers to call us (with NO regard for the Do Not Call List) and that way they won't be fined for violating the DNC List since they don't actually make the calls.

These scam artists are looking for people who are in financial trouble - they offer to help them refinance or modify their mortgage for a price.   I played them and they wanted to charge me $1,500 to help me.   $500 if they "approved me" and then another $1000 as we progressed towards my 'refi' with them.  

It's a scam.   Up front fees for these type services have been illegal since early 2011.   These guys don't care.   Just try and find them.  They hide like cockroaches - and run like them too!

If you need help, don't get ripped off with scammers like these.   Call your local or state consumer protection office and get a referral to services that are FREE and will actually work!

Oh yeah,  I almost forgot to include this also.  Here is the list of what they wanted me to provide to them.   Keep in mind that they can't do a mortgage because they are not licensed to do so...therefore what would they need this info for?   Besides ID Theft, I mean.

1. Copy of current mortgage statement
2.Home owners policy information
3.Authorization (This is actually a form giving them FINANCIAL POWER OF ATTORNEY!!! Over ME!)
4. Copies of my last 2 months of Bank Statements (Has my ACCOUNTNUMBERS ON THEM!!)
5.Copy of my DRIVERS LICENSE!!
6. Copy of my SOCIAL SECURITY CARD!!
7. Copy of my mortgage statement (didn't he ask for this as item #1?!?)
8. Copies of my last 2 years TAX RETURNS (has SS# on it and employer info!)
9. Copies of last 2 years of W-2's (more ID theft material)
10. Pay Stubs - one month's worth (Lets them know if you have direct deposit or if you still get checks!)
11. Property tax bill  (verifies current address info!)
12. Declartion page of Homeowner's insurance (I think this was covered in item #2 also..how forgetful!)
13. IRS form # 4506T (this is a form to allow them to obtain transcripts of your TAX RETURNS directly from the IRS.)
14. Dodd-Frank form

As you can see with THAT list they could pretty much tear you up financially.   Why would they need this info if they are NOT a lender and cannot provide you with a mortgage?    I mean, yes, on the surface it is what a typical lender might ask from you, but who would just GIVE this stuff to some guy that called you up on the phone?    

I can, because I'm just screwing with the moron trying to nail his hide to the wall - but for the person whose about to lose their home and is in dire straits...what if they gave this goon their info?

They'd be screwed.   These goobers can't use the Bank Card I gave them because it won't work without MY authorization.  So I am protected.   After all, I'm just jerking his chain.   The goob claimed that they were attorneys, so hopefully one will sue me.   Then maybe I can find out which bar association he's in.    The California Bar or the Los Angeles Bar (like "Bert" claimed they were in...)

Either way, I had some fun.   I screwed his pooch for him and now that I'm done it's time to roll off this 'ho and make tracks.

Like the little old lady in the Blazing Saddles movie said, "UP YOURS (SCAMMER)!!"

UPDATE********

While "Bert" is in a foreign country, the main scammer is right here in the USA.  William F. Patterson, he claims to work for New Horizon Financial whose office (on their website www.newhorizonfinancial.net) shows to be at 1010 Wilshire Blvd. in LA, CA - funny thing....the buildings management company says they haven't been tenants in over 7 months.  Left with no forwarding address.   When I looked up his other info, I found that he had 2 other addresses that weren't right either.   His other "office" turned out to be an empty house that had been foreclosed on 2 years back.  The third "office" is a vacant house in a seedy neighborhood that has been on the market for 3 years running.  Smell a dead rat yet???

One of these last two addys turned up on another website for a merchant services account. (Sells credit/debit card processing for businesses)  - same business phone and fax as this New Horizon Fin.

Beware of this scam.   They want your debit, credit card or checking info in order to "process" your application - they will charge you from $495 to $1,500+ if you furnish this info to them.  With the system they have, once they draft your account there is no way to do a clawback or to reclaim your money.  It's just GONE.

They paperwork I was sent was old and outdated, but it contains enough information that they could pretty easily assume your identity or hi-jack your accounts.   Worse still - when I checked with the NMLS (national mortgage licensing) and the California State office, neither of them had anything for this company - which means they are NOT licensed to do any type of mortgage processing.  There was nothing in the CA Bar Association about their being admitted to the California Bar Association as they had claimed to be in my phone conversation with them.

All this adds up to a stinking, steaming pile of POO.    Red Flags all over this one!

The "application fee" they are charging has been illegal since the first of 2011.  They are not allowed to charge a fee before providing any services.   I gave this moron a valid card number, but I had not funded the card.  He tried to run it over the weekend, without my authorization to do so, which validates my point about this being an UPFRONT FEE SCAM.   I had NOT signed anything with this bozo for them to do ANYTHING, but there he was trying to draft my card!!!!

Isn't it funny how they claim to be SO honest and that they are doing everything by the book, yet turn around and run the scam any how?

If you get a call from the Robo-Call Bandit (India) and they want to reduce your mortgage - just RUN.  ...and while you're running, call your attorney general and the FTC and make them aware of these scammers too!

This is a mortgage modification scammer calling you.  They are not located inside of the USA, so they can violate all of the laws we have here with impunity.   If you give these baboons any financial information they will RIP YOU OFF - and because they are NOT located within the USA - you WILL NOT be getting any money back from these scammers.

They are calling you using faked numbers on an internet phone service - so it costs them very little to make thousands of these calls.    Since they are located in a 3rd world country, any small amount of money they can scam off of you goes a long way.  Yesterday I had fun with one of these guys and that is the purpose of the rest of this post...


"Bert" called me back again while ago to complain about my conduct from a call we had yesterday.  It seems as though "Bert" (who really speaks with a harsh Indian accent) was wanting to get a few things off of his chest.

Mainly he wanted to express in his mostly broken English that I was an #%#ole, and a ^$#%$#, and a mother humping &%$##@#!!! ....and about nine minutes of additional repeating of those same words - after which he tried SO hard to make me mad by trying to call me "gay" and suggesting that I did some anatomically difficult things that could only be shared by men who like men.    

His conversation kind of led me to believe that perhaps he had a LOT of experience in this matter and was just giving me the course for free.

In the course of just 15 minutes he called and cussed and dis-cussed me from all of the following numbers:
215-764-6349
3
103
10121
425-296-0669
843-564-6953
BLOCKED
UNKNOWN

Prolific breeders of hate speech and intolerance I guess, since he went on to say that they burned "gay" people in his country rather than tolerate them.

Must suck to be in India.....

"Bert" called me back again while ago to complain about my conduct from a call we had yesterday.  It seems as though "Bert" (who really speaks with a harsh Indian accent) was wanting to get a few things off of his chest.

Mainly he wanted to express in his mostly broken English that I was an #%#ole, and a ^$#%$#, and a mother humping &%$##@#!!! ....and about nine minutes of additional repeating of those same words - after which he tried SO hard to make me mad by trying to call me "gay" and suggesting that I did some anatomically difficult things that could only be shared by men who like men.    

His conversation kind of led me to believe that perhaps he had a LOT of experience in this matter and was just giving me the course for free.

In the course of just 15 minutes he called and cussed and dis-cussed me from all of the following numbers:
215-764-6349
3
103
10121
425-296-0669
843-564-6953
BLOCKED
UNKNOWN

Prolific breeders of hate speech and intolerance I guess, since he went on to say that they burned "gay" people in his country rather than tolerate them.

Must suck to be in India.....

It's a SCAMMER.


He's looking for your money.....have you seen it?   He thinks he has.....

Also "John Smith"  before you post here again and make an even BIGGER fool of yourself - take some classes in English.   You write like someone who just fell off of the boat.  

A more proper way of writing your SHILL post would be: " I used their services in March of 2011 and they protected my home against foreclosure.   For me, at least, it was not a scam."

BUt, since you are a useless baboon dialing for dollars - you'll probably just copy and paste my "correction" next time you run your scam and need a fake testimonial to help sway your potential victims.

Yes, and REAL loan modifications DO NOT come with upfront FEES paid to people with real names like Habib and Achmed.    They are also as scarce as hen's teeth.

Real loan modification companies DO NOT go trolling the phone lines CALLING FOR YOU.
These goons calling everywhere across the US looking to offer the "Obama Home Help" crap are ALL scammers.   They want money upfront and NOW!!  They don't need your SS number, they can't use it in India and the other Southeast Asian countries - they just want access to your GREENBACKS!!  If they were really calling from inside the USA, they might could use your SS numbers, but they use internet telephones to call here for almost FREE to scam as many as they can while our 'recession' is in force and there are plenty of victims to fleece.

Be sure to report all of these scammers to your state's attorney generals office and to the FTC.gov website.    Enough people reporting these baboons and they may eventually get them.  After all, it only took them 10 years to get Bin Laden - and these guys aren't really trying to hide - they should be easy to find.

John Smith - YOU are a SCAMMER.

Tell Habib to wipe the ring out of the motel bathtub next time - the maids hate cleaning the mess and are complaining of the smell.....

WHO just 'gives' a guy calling YOU from who knows where - a credit card / debit card number?????

What is WRONG with people today?   That's how YOU go BROKE and these BABOONS get RICH!!
You're probably lucky that you didn't get cleaned out for everything these baboons could get.

Their caller ID info is FAKED, they are usually calling from half way around the world and they still manage to find gullible people who will give out their card info to any Tom, Dick and Habib that calls to ask for it.   GEEZ!!!

Yes, they tell you what you'd like to hear about getting out of financial ruin, but that's ALL it is - TALK.  They don't DO ANYTHING except steal your money.    Putting you that much closer to absolute poverty.  

Remember these words:   If THEY are calling YOU and asking for money to "help" fix your situation, its probably a SCAM!   There are too many FREE local solutions that you can use - for FREE - to have to resort to using these baboons - only to get ripped off yet again.

Just got a call from this "Brett McClain" saying he was from Low Rate Modifications. After explaining to me he needed $495 up front and they would save me about $500 per month on my mortgage I told him that I had to look into the company and speak with my husband. He asked if I could come up with the money now, and I told him I would try to borrow it and hung up. Then I had my daughter-in-law look up the company and this page is what I've found.

Thank you for posting, it saved me $495 and God knows what else.

Just a suggestion: Before getting scammed, always check out the company with the Better Business Bureau, and google their phone numbers.

Loan modification companies will be accredited with the BBB if they are legitimate, and your best best is to go TO them rather than them CONTACT YOU. Try your bank if  you need help. That's what I'm in the process of.

I just got off the phone with a man who identified himself as Fred Martin of National Financial, a law firm in the business of loan modifications at 215-764-6349.  He said he is located in New Hope, PA.  He said that my lender, Bank of America would lower my interest rate to 3% without re-financing and without qualification, regardless of my credit history.  He talked on and on and aked me questions.  I geve him all of my information--typical of an application process, but he did NOT ask for my SSN (I would not have given it to him).  He got frustrated when I would not give him my credit card number.  He said I qualified for the loan modification based strictly on the fact that my current mortgage rate is higher than 4%.  I kept him talking.  He spoke broken english which sounded like he was from a middle east country--perhaps India.  He said I would not pay until I was "accepted" by their attorney who would be assigned to me and would call me back.  Then he wanted payment before I talked to the attorney.  Things kept changing.  He dropped the F bomb as he became frustrated with all of my questions.  I told him I would check out "National Financial" and call him back.  I called BofA.  In order to get a loan modification, you must qualify as a hard ship.  I called Fred back, and sked him again the full name of his company and he said "American First Financial."  At that (another change in information) I told him I would get back to him, and hung up.  Can you spell S C A M.

Same story.  No called ID.   Loan modification. The name of the person calling from this number was Fred Martin, out of California.  He INSISTED that I give him a valid credit card, or valid checking account number to charge the $495.  After I insisted that he was NOT going to get that info, I hung up on him.  His company name was 'American First Financial'.

Called me to help me refinance my house. The guy was foreign, but his name was American. Don't you just love the way these people prey on us during these economic times?!?!?

Got a call from this number saying they were loan modification business 1st call consultants...gave them our birth dates and mortgage number...then they asked for money upfront and bank #'s...told them no...they hung up

I too got called by a guy named James Fuller offering me loan modification program by Obama. The upfront $495 was for getting the lawyer to look at my case and $1000 for Obama's campaign, I think. Why else would I be spending money for something I didn't get before I get it? I love working these crooks.

go f*** ur self pakistani JOHN SMITH...

received a call from a man by the supposed name of james mcklain calling from new hope, pa. regarding a modification "home affordable" that would greatly reduce my present rate and payment. he told me that they had a 99.8% success rate and after a lengthy conversation, said he needed 495.00 to start the process.  i foolishly gave him my debit card.  he said that i would be on hold for 15 minutes before someone else would come on with questions and whatnot.  i became very wary of this whole thing and immediatly called the help center of my bank and cancelled my debit card, so at least i won't be out the 495.00.  hopefully something is being done to tackle these people who are supposed to be lawyers.  nothing like a crooked lawyer and most are!

It does no good to whine here.  Report the suckers to the do not call registrar in your area..

http://donotcall.gov/ http://www.nocallsnc.com/

They wanted to help me refinance my home. I literally just got off the phone with my bank!! How did they get my info?

I took there service in march of 2011 they protected my house getting foreclosed,so it was not a scam for me at least.

A guy calling himself Jeff Green wanted $495.00 plus $1000.00 up front. Any legit company will not ask for money upfront. Plus, I could not understand their english. My opinion, they are a bogus company that wants your credit card number so they can scam you. Robert, you are right, he was in a car trying to drive away with your money. If push comes to shove, tell your credit card company you will not pay the bill....be firm and good luck. You have options!!

This is the # I received from a caller @ low rate modification  Need to help me before June deadline.
Scam smelling Chewed Up Grass.  Yeah B S

I received a call from someone who said they are called "Low Rate Modification".  They supposedly negotiate with your current home mortgage company to lower your interest rate in accordance with Obama's program to save homes.  He then sent me to his "loan officer" who kept me on for about 20 minutes assuring me they are a legitimate company.  I looked up "lowrate modification" on Google and found a website.  He said it would be $495.00 up front, then $1,000 when the modification was completed.  I reluctantly gave him my credit card number and expiration date, and then he would have the attorney call me to complete the process.  In about 10 minutes I received a call.  I asked the 3rd guy if their operation was in the U.S., because all of them sounded Indian or Pakistani.  He told to "F..." myself and hung up on me.

I immediately called my credit card company and had them block my card, but it remains to be seen if they have been able to charge my account, and if so, for how much.  It appears to be a scam.

Guy called to 'help' with loan modification.  # didn't show up on callerid so i asked and he said he was with the law firm of Mike Hardy out of Boca Raton, FL.  Asked if he gauranteed I would benefit from his service.  He said they succeed 99.8% of the time.  I gave him a 99.8% gauranteed I would pay upon successful completion of their work.  told me they don't work for free.  told him no risk no reward.  He hung up on me.  I called back and it appeared to be a cell # of a guy that was driving.  He didn't deny he was an associate of the guy.

They just don't say anything. Who is this?