In 2005 while recovery from a back injury and husband leaving me with the mortgage 3 kids I was called by Lifetime Financial to refinance my home. I was told I would be able to refinance and pay off some bills decrease interest rate and get out of an adjustable mortgage and get 18000 dollars from the equity in my hoome. I agreed to the terms since my income was limited to disability check and it would give me time to get on me feet. A notary came to my home with the loan documents to sign. As I read the documents I noticed that the terms that where discussed were not in the mortgage documents, I brought it to the attention of the notary and he said that he would have to documents corrected and the documents would be sent to me to be signed which never happened. the first time I seen the documents was August 2010 when I had a forensic audit done. All of my documents were whited out forged signature the whole nine yards. The loan documents had me owing them over 2000 dollars after my refinance or 35000 dollars. I went to Lifetime financial to get my 18000 dollars which turned out to be 1047 dollars out of 35000 dollars in which I started crying and screaming because I oould not believe was happening. I told them that I wanted to cancel the transaction and they said that was not possible because the loan had already been funded and nothing could be done. Over 20000 dollars went to broker fees and I was suppose to have a vehicle paid off and some credit cards none of which were paid. I was then told that if I paid on time for 3 months that would automatically be put in a special program for a lower interest rate and everything could be redone. So I paid for 3 months to Peoples Choice Home Loans and after the 3rd month called to get the new program started in which surprise did not exist! I paid mortgage for 2 years until the rate started adjusting and I was no longer able to afford the payments. In the mean time Eric Pony (Lifetime Financial) had been shut down for faud, forgery, grand theft etc, and subsequently found guilty of the charges and sentenced to 8 years in prison. I continued to seek loan modifications with new servicer Litton Loan serving to no avail requesting documents 4 or 5 times restarting process denying modifications after they were agreed. Hired several lawyers and firms taking my money and not doing anything to keep my home out of forclosure. Home was foreclosed on in July of 2010 despite forged loan documents, broker in jail 8 years, Peoples Choice Home lending featured on MSNBC for deceptive practices and went bankrupt, hiring of 4 lawyers and 2 loan modification companies, letter from the attorney general office and 8000 dollars gone fighting to keep my home or should I say to have my home stolen. big company able to do what ever they want with out regarding to any sense of fairness or whats right. Eviction Oct 2010 all because of greedy companys running over the little people and not caring. Eric Pony still robbing me from prison and mortgage servicer to greedy to correct the problem. Who is there to help the people? Nobody! Everybody is cashing in on the misforture of others by promising to help and as soon as they get your money your calls go unanswered and you get no results or feedback! No where to turn!
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