Florida is a huge breeding ground for these people. Tons of scams that are based out  of Fl. NEVER pay up front for these refinance services!!!!!!

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!

The people behind "Bert" and all of these robo-calls for this mortgage mod stuff ended up being none other than a tiny company called New Horizon Financial.

William Patterson
626-209-9691

New Horizon Financial
800-994-2240

www.newhorizonfinancial.net
wpatterson@newhorizonfinancial.net

"Bert"
mike.hardy1986@safe-mail.net
206-317-1494

Their website is like all of the rest of their marketing - it has almost NO contact info - or really any useful info of any kind.


Stay away from this stinking, steaming pile of POO.  
It's EXACTLY like it smells....crappy.

"Habib" that has been calling you is located in India.   He's using a cheap internet phone system to call anyone and everyone he can to try and RIP YOU OFF.  He's paid for his efforts by some sleaze bags here in the USA for doing their dirty work and taking the risk of being caught for fraud.

It's a huge scam.

See my other posts.   Have fun with them if you have the time.   The more time you waste with them on the phone, the less time they have to call the rest of us.    I had poor old "habib" so torn up the other day he could hardly take a breath in between his rabid rantings.    I will post those on You Tube under the heading of Professor Messor tears up a telemarketer.    Quite funny.   Very revealing.   They think we're morons and have sex with our mothers.  

They are idiots.  They can't help it.  They've never gotten out into the world to see how things really are.

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 found further below...


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.....

There are.


These baboons are calling from foreign countries where the US laws do not apply and have no effect.    These baboons also use payment services like "Alert Pay" and "Western Union" that allow them to get money in almost any country - and with the added bonus that once you put the money into the hands of either of these companies - it's GONE as far as your concerned.  They could be in Cleveland or Bombay India picking up YOUR cash.

They use internet telephone services so their calls are almost free - and they can make as many calls as they can stay awake to dial in a day.   They can FAKE their caller ID to show any number and name that they like.  

I have had the same baboon call me 3 times in 15 minutes and the caller ID showed area codes from South Carolina, Ohio and then Washington state.   The Concorde couldn't have moved that fast that quickly.  

Red Flag rule number 1 -    If 'they' are calling you - it's probably a scam.

Red Flag rule number 2 -   If they are asking for money - it's probably a scam.

Think about it.  How many times has a Starbucks Coffee called you at home to offer to sell you coffee?    Or maybe Jiffy-Lube called you at home to sell you an oil change?

Just because this goon called you back from a number that shows up on caller ID doesn't mean CRAP.    I did that same thing and the bozo called me back from a number with a South Carolina area code, then when he called back yet again - his number showed  up on caller ID with a Washington state area code.

They are using VOIP or internet telephones to FAKE their caller ID info - they can make any number they like show up on your caller ID.

You'll also notice that all of the websites that they direct you to have NO CONTACT INFO - like a real address and a real phone number.

They also use a really UNSECURE payment system called "Alert Pay" which works pretty much like the Western Union system - once you send it - it's GONE.   It allows these scammer to withdraw the money for virtually anywhere in the world.

This is also an UPFRONT FEE scam - which has been illegal since the beginning of 2011.

DON'T pay these baboons a dime.   This is a RIP OFF.    Just report them to the FTC and your state attorney general for FRAUD.

So there "Mike".....


What's YOUR position at this scam of a company????


..sounds like a good deal to you???   Getting RIPPED OFF for $1,495.00?!?!   For NOTHING?  What do you do for fun "Mike"?   Pull the legs off of puppies?

This is a SCAM company that charges UPFRONT fees for their (supposed) services.    All they really want to do is pressure you for a credit card, debit card or shecking account number that they can dip into and then RUN.

One of the first questions that this jerk-wad asked was "how much do you have in savings or are you liquid for?"    They want to know what they can take out of your account.

They have no more chance of modifying my mortage than a baboon does.

Stop shilling for the enemy "Mike".

I got the call but it did not appear as a missed call so I can't even block the number, and I am on the Do Not Call list.  So much for their help.  A female left the message and gave the number to call back as 843-564-6953.

The guy was a moron, english definitely a third language...lol.
No supervisor...hangs up when you ask tough questions. Showed up as a South Carolina # for me, I asked "are you in South Carolina?" he answered hesitatingly..."yes."

Really, what town? got me a hang up. SCAM

Same deal here.  Indicated he was with the "Obama home loan" program.  Sounded Arabic.  I told him I was already at 3.5% and he said we didn't qualify for the offer.

Being a memeber of the BBB means nothing.  The BBB does nothing except take complaints and if you inquire about a comapny they will tell number of complaints.

Looks like the government is doing a terrible job on enforcing the "DO NOT CALL" list... he just called me too

Got this weird number calling me at work. 000-000-00.

Leaves me a message, wants to lower my mortgage payment and make me debt free in 36 to 40 months without a credit check!!!

YEA RIGHT!

I am calling BS on this one. SCAMMER HEAVEN.

I missed the call today and the caller ID showed 000-000-00.  Definitely a scam but they were stupid enough to leave a call back number.  I called it and an Iranian sounding man offered to help me lower my mortgage rate.  When I refused to give him any of my info and asked the name of his company he hung up.  The call back number is 843-564-6953 and their website is http://www.lowratemodification.com/.  No contact info on the site but another search showed the name as 1st Call Consultants, LLC in Boca-raton FL.  I reported it to the do not call folks.  Maybe with the call back number they can catch them.

This number keeps calling me with too good to be true offers and leaves no company name.  Most definitely a scam.

I am getting so many of these calls.  Yes, I am in foreclosure but I don't need this harrassment.  Please stop calling me.  I tried the home mod. scam and lost out BIG time.  over $2,000.00.  Just come take my home , but leave me alone

I've been receiving these calls ever since I went on the Lending Tree site. I guess they hacked in to that site.

If you really want help with your mortgage, foreclosure or no foreclosure, look up NACA.com.  It's a free service and they are currently helping me.  They try to put you face to face with your bank or mortgage company to work out a plan to save your house.  There are a few different scenarios that could occur. I am praying for the one that forgives all late fees, attorney fees and interest since I began having problems, puts all of my late payments at the end of the loan and lowers my interest rate.  They are FREE!

Guy says his name is Jay or James. He's a scammer. Been getting calls for home mortgage from around the country on my cell for six months. This guy answers the call back number. Original call shows different numbers, or just 0000 in caller ID.
He has a temper and has treatened me.
This number is from Hollywood, SC
The only time I've given my cell number is filling out a Lending Tree form. Five minutes later I started getting telemarketers calling my phone. Lending Tree is the worst. I used my bank for my mortgage and wish I'd never heard of Lending Tree.

3 voice mails left in an hour on my home phone.....for loan modification with no company name given.....you call back and ask for your number to be removed and they hang up on you....so much for being on the government do not call list

Rcvd a call about two weeks ago. Finally answered it today. The call back number (843-564-6953) was different from my phone log number (Caller ID was listed as "PROCEDURES" Phone No.:1-406-478-2009)
I called the "406" number. . Didn't ever hear it ring, but It was answered by a roboservice, with the msg "If you want to be removed from futures calls, press one now.".
When I called the "843" number It was answered by a very heavy foreign (middle-Eastern) accent voice. I was asked about my mortgage  interest rate and  monthly mortgage payments and monthly income, and monthly bills (food, gas, electricty, etc) and property taxes. Said he represented First Call Consultants  and for the sum of  $495 (to get the ball rolling) they would get my interest rate down to  2%. 2.5% or no higher than 3%. (Not sure what else he was saying, as I was still struggling to understand any of what he had said). He said something about Obama money and that the totlal cost would be $1495. But the $495 was needed to get the process started. Couldn't do anything until that was rcvd. He was very insistent on that. Wanted me to give him my banking info, "for verification", (Yeah, right!!). I told him I'd send them a Money Order. He had to check with his supervisor. After checking, he said I had two options, give him my banking info or get a Wal-Mart Prepaid Voucher. Told him I would get the Voucher.
As I said I didn't get all of what he was saying, but when he kept asking for my banking info, my inner voice said "scam"!
However, there is a listing on a previous sites that has the number  1-843-564-6953. I went there before coming here. There are seven or eight texts that rave about this company (First Call Consultants).I  don't know if it's legit or not. Although there was one out of the seven or eight benevolent texts that was unhappy with the service.  It could still be a scam. I will be calling my bank and the State's Attorney tomorrow

I received a call from these people and it came in as 000-000-0000, then in the voicemail it gave the 843 area code number to callback.  The fact that they are based out of Florida should be a red flag as far as I'm concerned, I don't think I've ever been contacted by a legitimate company from Florida.  Lots of shyster's and shady businesses down there for sure!

This number robo-called me and then when I called back to request my name be taken off the list, the foreigner who answered hung up on me. I called back several times and the same thing happened each time.

First RED FLAG - money upfront - it is ILLEGAL for them to charge an upfront fee for ANY mortgage modification program.   If someone asks you to PAY up before they can do anything - turn 'em in cause they are scum and they are trying to RIP YOU OFF!!!

Second RED FLAG - the number they are calling from is a NON-WORKING number when you try to call it back.

Third RED FLAG - a ~really~ generic company name that can't reliably be found using a simple google search.   One that doesn't return any real info.

Fourth RED FLAG - using the "Obama Administration" program line.  There are no privately run programs for mortgage modification.  Only scammers looking to rip you off.

Don't get RIPPED OFF - These services are FREE from honest, and registered companies - you don't need to PAY for this type of service.

I received the same thing, mid-eastern, never asked me my name, of course I qualified, pass me to a sr rep. Asked for money up front which I believe is against the law. Beware. Also said they were a law firm?? 1000.00

i do not own a home and have no debt i belive this is a scam i have had seven calls for different thing like free home security system. All these people want is you banking info so the can take all your money.

Bob, from Frist Call Consultants, LLC., call to offer a 3.5% loan rate under the Home Affordable Mortgage Plan.  This company keeps calling but the offer seems too good to be true.

I keep getting calls from this number trying to get me to do a loan mod seems like a scam