Elect Group

This company took five hundred dollars from me for a loan modification and did not help me. They refused to give me a refund. We lost five hundred dollars at a time when we could not afford to lose it.

I started a loan modification in December of 2008. As of April 24, 2009 nothing had happened and they kept giving me the runaround. I had paid $2,883 of which I was guaranteed that if they could not perform, I would receive 50% refunded. I asked for the refund and was told in June that it had been approved and I would receive my cashier's check by the end of June.

Nothing has happened and all I got is double talk. No one will give me the number to the corporate office. I haven't heard anything from this company in over a year and now the number doesn't work anymore. Is there a way I can contact the Attorney General's office to file a complaint and get my $2000+ back? My home went into foreclosure and I had to file bankruptcy shortly after that.

I gave them $1148 to do a loan modification. I lost my home of 34 years and a husband. They didn't do anything. I filed numerous complaints with the attorney general of Florida, BBB, etc. and apparently no one can get my money back, and I'll never own a house again.

Oh boy, do I have a story just like the rest of everyone else' s whom has complained. I even called the BBB and they to said that business had no complaints. Well, that is not the true, now is it. They ripped me off two grand and said I will have your loan modification done in 90 days or less. It went to 6 months before my own original mortgage company helped me. I had just about lost my house because of them.

This is just pretty much a short story, but any one who reads this I advise you to document everything because I was told by BBB in Florida that they will not do any thing until after two years have gone by. Which is crazy. I have all emails and documents that they sent me and copies of all copies of bank statements of where the money that I paid them came from.

I just pretty much went into the hole because of there doing of so called help. I am a single parent whom has raised her kids since they where babies and to tell your kids that you have to move because of people like this who stole what you worked so hard for. They don't understand why they have to leave. I had a nervous break down

They took our one-month rent in April 2009, which is $3697.61 and promised to negotiate with the Bank of America on our behalf for a low interest rate, which is 7.634%. They promised to make it 3% or less. They gave three to four months to withhold monthly payments, which will take us to August of 2009. So in June 2009, we attempted to call but the phone said it wouldn't accept calls from our number. We realized that we have been scammed. And we turned to the bank in July for help and they would not help us. We are facing foreclosure.

Last year, I spoke with Pete with ElectGroup and I sent in $400 for a loan modification. I never heard anything about my loan. Another gentlemen called requesting more money and stated that my file was currently being worked on and no further action will be taken unless I send the remaining balance of $399.

I have not been able to reach Pete and I want my money refunded asap or I will seek legal actions. I have 4 children and sending the money in put me in a financial bind because at that time I took everything I had in my savings account.

on nov 15 2008 they took 1,650.00 dollars from me and did nothing. I did everything they told me to do.Have been trying to get my money back for over a year now .I had to work with my finace company myself trying to save my house still not sure what is going to happen.

My boyfriend and i tried to find a perfect company that could help me save my home.I had seen this company over the internet and it said 100% money back gaurenteed. well my boyfriend paid $1,000 off his debit card for this lawyer just to find out that it was too late it just foreclosed. Pete told me dont pay for nothing it will beok. i explained that i had 4 children all under the age of 7. he kept reassuring that hecould save my home. He said he had to leave town for awhie and transfered my case to Steve. Pete had given me his cell phone number to call him on 1-561-667-4150 if there was any troubles. this Steve guy would never return my calls so i called Pete.

Pete said there was nothing he can do t get my home saved so i asked for my money back and he got mad and told me it will be 3-5 months before he can send it too me. As i waitted the money came in.
I called him back up and he said he will send it to Chris who is my exhusband to my mailing address. I told him no My exhhusband didn't pAY FOR IT IF ANYONES NAME SHOULD GO ON THAT CHECK IT SHOULD BE MY BOYFRIENDS OR MINE.

He said you will get your money back i promise it will only take another 5 months because of the simple name change on the check. i filed for his help nov.11th 2008. oct. of last yr i should of gotten my money back but still no money. i called the office number and his cell phone to find out that he had changed both numbers on me.

Because of him, My boyfriend left me because he thinks it was my fault he didnt get his money back. Then i had recieved an eviction notice rom the people who bought the house wanting me out within 5 days. Needess to say I had to leave almost everything behind and live in my van with 4 children. all their ages were 9 mnths 2yr 4yr and 6yr olds. this guy really made me lose everything and then lost my children to my ex husband for 4 months. I put all my trust in this company and every dime i was able to save up just to find myself sunk to the bottom and drawn into his scams.

I have told all my friends and family to never go through this company agian. when you sign up for this company their page only has good comments about them and they have no bad comments or bad experiences from anyone. I will never recommend this company to anyone.

Now as i drive past my house there is a for sale sign up. they want $64,900. my new boyfriend is 40points shy of getting a house loan so i can have a big enough place for my 4 children and I to live.

I filed my compaint August 18th, see Denise from Euclid. I want to urge everyone who has posted a complaint on this site & everyone who most likely will, to file complaints with the Attorney General in Florida, BBB in Florida & the FTC, I did. A few weeks after I contacted the Attorney General in Florida I received a packet of forms to complete. If you haven't already, please, please take the time to contact these offices. It's too late for many of us but not so for other unexpecting consumers. The only way to stop the Elect group from doing more harm is too shut them down!!!

Does anyone have the phone number for these crooks? They got me for $1100 and have changed all phone numbers and email addresses. My mortgage company is starting all over with my modification without Elect Group involved. I will be contacting the Attorney General for the state of Florida.

Elect Group ripped me off too for $1,675.00 but I found one of the owners phone numbers after one of his employees ratted him out and went to work for another company. I figured I would share it all with you. They are also running another scam called impressionmedia and the office address where they are located is Boca Raton FL 33431. I lost my home in foreclosure.

I find it very disturbing to read the things I have read on this website. I wish I would have done a little more research on this company. I paid them 1199.00 in January and NOTHING has been done. I have had to deal with my mortgage company on my own. I am now trying to get my money back (if not all of it at least half). They did nothing but make me fall more behind on my payments. I sure hope someone stops this company from taking away more money from people who are losing their homes.

and have not gotten anywhere, if anyone gets a call from them hangup. my house allso went in to forcloser and i'm still working with my bank, now they wont return my calls or do bussines in NH anymore, i thought i was going to have a breakdown.

I have the same complaint as everyone else. They took $1229 and did nothing. My home is still in foreclosure. Now, they say on the web site that they don't service the state I live in. They are just downright dirty and scandalous preying on people who need help. I will probably lose my home. My mother is an invalid and has lived this home for 40 years. It is very sad.

I started a loan modification in November of 2008. As of April 24, 2009 nothing had happened. I had paid $2,709 of which I was guaranteed that if they could not perform I would receive 50% refunded. I asked for the refund and was told in June that it had been approved and I would receive my cashier's check by the end of June. Nothing has happened and all I get is double talk.No one will give me the number to the corporate office. I have filed a complaint with the Florida Real Estate Department and the Attorney General's office.

The company promised to help with modification, took our $1000.00 but have not completed loan. The company's phones get disconnected, the website is closed out, can't reach anyone anymore. We want our money refunded, they guaranteed that if they could not help they would reimburse our money back. They are crooks stealing money from good people and should be stopped and put in prison.

I'm the newest member of the "Swindled by the Elect Group" club. Everything written on this site is true!!! I experienced it. I was contacted by William (Bill) Damelio in Jan 2009. I was "lucky" to have the President of Private Accounts assisting me. He gave me his work #, cell# & private e-mail address. Lucky me!! Bill said they could get my payments cut in half as well as get my interest rate down to 4.25% & combine both mortgages. He siad the fee was the equivalent of one house payment not to exceed $2000.00. He said I "sounded like such a nice lady & he wanted to help me, the fee would be $1000.00".

I checked them out with the BBB and they had a A+ rating. I even did a empolyment check, alot of good that did me. I sent in all the paperwork requested within 2 days including the $1000.00. He told me "I was not like the typcial clients they sign up, they were just days away from foreclosure." He told me to "stop making the mortgage payments (he knew I couldn't pay the fee & make my payments),that it would help my request/need for a modification".

Here I am 8 months into it & facing foreclosure & I have some con man running around with my SS# & charge card #, bank # etc. I wasn't even behind in our mortgage. Once the paperwork was in, then the fun began. I waited the 60 days he suggested, he said it would take at least that long to get the mortgage companies to consider my request. I started calling in May with no results and no response to e-mails by June you could not call by phone only e-mail because phones were disconnected.My personal website to check the progress of my account has been closed out.

I was out on a medical leave in June & when I returned on July 7th I checked their website (no PC at home, can't afford it) there in red is a notice saying they don't do business in several states including Ohio. It sure wasn't there in June before my leave. Nothing absolutley nothing has been done on my behalf by this comapny. I am know tryoing to work it out myself with our mortgage companies.

I have filed a complaint with the Attorney General in Florida & the BBB. I urge everyone who has been "scammed" to do the same. Somehow we have to stop them from taking any more unsupecting consumers money while putting them at harms way. My home is going into foreclosure thanks to the advice of the company. They have stolen $1000.00 from me.

This company promises the moon and stars and always paints a great picture. Once they received our money, they did NOTHING!! I did the negotiating with our mortgage company and they tried to say that I didn't provided the documents when requested when in fact, I provided the same documents more than once as they were stalling for time and did nothing to assist us in our negotiating for a mortgage modification. I have filed a complaint with FLORIDA ATTORNEY GENERAL'S OFFICE and everyone should do the same to get a class action suit going.

I've had the same problem has every one else, been going on sence Nov 2008, all oks and promises but now I'm about to loose my house or file bankrupsy. money they took up front

Went online in February of 2009 searching for help for homeowners and soon was contacted by Elect Group. Latasha contacted me on 2/18/09 telling me that they could get my payments cut in half as well as get my interest rate down to 4.25%. Latasha told me that it would take $1199.00 and that I could make it all at once or do it in two installments. I checked them out with the BBB and they had a wonderful rating. Sure can't tell me that now. I sent my money and I am the one that was constantly in contact with them they never called to keep me informed of anything. Everything they asked for I had it to them within the next day. They never had to wait for anything. It's going on seven months since I started out with these folks and I am not happy. I want my money back it's wrong what they are doing. I just today filed a complaint with the FTC hoping that would shed some light on just what kind of company they are. I signed a money back guarantee so I want my money back. They sure haven't done anything to help me out.

We contacted the Elect Group in January 2009 after reviewing their website and their A+ rating - We paid them $1100 to do a Home Loan Modification - We were only 1 month behind when we hired them and they promised to do everything within 60-90 days and not to make any payments. They said they had us pre-qualified and that they could get our Mortgage Company to re-write our 30 year fixed loan into a 40 year loan, lower our interest rate, and put any late fees on the end of the loan.

We had lost our son in June 2008 and the funeral bills took our savings. We trusted them with our lives! Now we are raising our 4 year old grand daughter on top of this and we were foreclosed on! We had NO idea this happened until we received a certified letter on June 25th - the very next week we got an Auction Sale notice for today slapped on our front door! We have now lost our home and are selling our things for pennies on the dollar just to get it out of the house before they slap a realtor lock on it! DO NOT deal with this company! I have reported them both to the BBB and the Attorney General's Office - I pray this gets put into some type of mass lawsuit so all those who lost their homes and money to this company can be returned some day!

Advertised that they were a loan modification company. Took $1386.00 of my money in October 2008 and after numerous phone calls of each person assuring me that they would have some info for me regarding my loan, as of today, July 29, I still have not received notification and my house loan is almost a year behind. Now their phone number and my personal website with them to show progress of my account is closed out.

We had got behind on our motgage due to the economy but were still making payments.In Feb we recevied a voicemail from Robert with Elect Group said he could lower our payments.We check the bbb before calling him back they had a A+ score and no complaints.We called him back and he connected me with Robin she took all the info and sent the paperwork.We filled out all the papers and faxed her all the info required 2days late she call back and said she had all the papers to start our loan mod. she said she need a payment of 1100.00 which we sent and told us it would take 30-60 days to do the loan mod. not to send any payments to our mortgage company.March I called back to check the progress and was told Robin was no longer there and Karen was handling our file she told us to fax all the papers again because ours were missing.We started calling everyday in May with no results and no response to e-mails by June you could not call by phone only e-mail cause phones were disconnect.We are now 6mo behind on our mortgage and out 1100.00 .We are going to try working with the mortgage company ourself and see if we can save our home from forcloser.Elect Group seem like a good company but the are a bunch of crooks take money from people with no services.DO NOT USE ELECT GROUP!!!!!You won't get your money back!!!!

THEY TOOK $1100.00 for MODIFICATION AND I GOT NOTHING.......I WOULD LOVE TO GET MY HANDS ON THESE &*&*&* AND I WOULD LIKE A FULL REFUND OF MY MONEY.

October 24, 2008, I called about getting my home loan modification. Pete took my application, said I qualified for a loan modification. He sent me paperwork to fill out. I filled it out, gathered all the papers he requested and faxed it back to him. He called back said he had received the paperwork and gave me the 800 number, his cell phone number, they also gave me a website to go to check the progress of my loan modification. Said they would have the modification done in about 35 to 40 days. So, I waited 45 days and I called them back.

I was told that Pete no longer worked there, that Lisa was my worker now and that they would have to resubmit my application. They needed to check stubs for two months, bank statements and tax returns for this year. I faxed all these stuff about every two months for months now. When I called, they would say Lisa not to talk to Robert, I said okay. I told him I wanted to know what was going on with my loan modification. He said to check the website in a few days.

It's been since June 23rd. I cannot get a hold of any one. The phone is not a working number. They are experiencing phone problems on the website. You can't get a hold of any one to talk to in any way. We are fixing to lose our house because of this company. I can't afford the house payment of $1,600.00. I just don't know what to do.

In January, I was contacted by Stacy and was told not to pay my mom's mortgage payments. Stacy said they guaranteed to lower my mom's monthly mortgage amount and get an interest rate of 5%. After they received my mom's $1,199.00, the process has slowed tremendously. I have been referred to 4 different people, and all have left the company. They told me they are checking with the lending company. It is going on for 7 months, and there's no modification. I e-mail practically every day and get no response. Do not deal with this company!

I was contacted by Elect Group and they said they could get a modification for me in 30-60 days. They asked me what my payment was for our home and I told them $1500. They said that's all it would cost to file a modification. I thought this was a great deal because I checked around and they wanted $3500 in other places. I told them I could only pay $1000 down and when I could, I would pay the other $500 later. They said that would be fine and told me $1000 would get me started. I could contact them when I got the other amount.

First, they said for me not to contact my bank because if I did, it would default my money back guarantee. So when I told them my bank was calling me about my payment, they told me not to talk to them. After about 2 months of not hearing from them, I called to see what was going on. They told me that it was still in process and they would call me back and let me know within 24 hours what was going on. They never called back. I would call for several days and told them my bank is calling again and I am going to talk to Scott (manager at the bank) and see what was going on. When I said I was going to talk to the bank, they said I can't do that because that is their job and that is what I paid them for.

But when I talked to Scott, I found out they only talked to him once for about 2 minutes. I was very angry. Then, around Christmas time, they took it among themselves to take the $500 out of my account without notice. I called them and they said I owed them the $500 and they have consent to take it out of my debit card. When I told them that was all the money I had and I had checks out and they are going to bounce, they said they would put the money back into my account after they talked to the boss and he approved of it.

Of course, this never happened after calling them several more times. Finally, I called the BBB and filled a complaint. The BBB wrote them a letter and they responded back telling the BBB that they would refund me 1/2 the money back like they promised.They even told the BBB that I would receive my money within 45 days of my letter to the BBB. That was in February. It is now March. Robert told me that would be credited back to my debit card. Well 45+ days went by and no money. When I called them, they said they knew of no letter to the BBB. I faxed the letter to Robert and he said he will discuss this with the boss Emmanuele ** and call me back within 24 hours. Never heard back from them. So I called, Robert told me that the check was sent out and I should receive it within 5 working days. Of course, that never happened.

When I called back, Robert told me the check was sent, so wait for a few more days and I should have it. But still no money. I called back Robert and got a hold of James because Robert told me he was too busy to deal with this; it was Monday and he was too busy and told me to call back on Tuesday. When I talked to James, he was more than willing to help, of course, but knew of no letter from the BBB. So I faxed the letter again to them. James said, "I am so sorry and I will talk to my boss and get this settled for you by the end of the day." He told me he would call back in 24 hours. But no call again.

When I called back to talk to James, he said that the check was being processed and would be sent out on that Friday which would be March 20th. I explained this was the third time the check was supposed to get sent to me but never did. He said that there were 3 other people who did not get checks so they will re-issue me a new one. I told them I want an exact day the check would be sent. He said that Friday it would be sent. First, the money was supposed to be put back into my account by debit and now a check. It is now April and still no money.

Finally, I called again but James will not take my calls. I finally called his number to his ext. When I got a hold of James, I was not very nice and told him this is BS and I have never been ripped off like this before. He said he would send me to the person who takes care of this in accounting. I can't remember the person's name I talked to but said he could help me but it would take a few days to track the check down. I waited for a couple of weeks, then I called back.

Of course, this person does not work in accounting and they had no idea who I spoke too. I talked to the girl who answers the phone at Elect Group and she said that James and Robert are in sales and I should not be talking to them about refunds because they can't help me so she put me into Emmanuele **'s voice mail and I left a good 10 or more messages to him stating that he signed the letter to the BBB and should at least have the ** to call me back. He has never responded to my calls.

When I called Elect Group back, I got the same girl who answers the phone and she said that the only one who could help me was Emmanuele because he owns the company and issues all the refunds. She also told me not to talk to James and Robert because they were just jacking me around. By this time, I am **. I contacted my lawyer and told him I want a full refund because I have been scammed out of $1500. My lawyer sent them a certified but was never picked up. He sent another certified letter but was sent back to his office. This cost me $75 on top of the $1500 I have lost.

Now, Elect Group cannot be contacted at all by phone or via email. I have been scammed big time. How can someone scam people who are having a hard time making ends meet? My house has gone into foreclosure and I have to find some way to save it. When I told Elect Group that my home has now gone into foreclosure they said, "that's okay, this happens all the time; it does not mean anything." I had to find someone to refinance my home though or we would have lost our home. What a piece of work this company is. I hope someone like Dateline investigates them. I think they will be surprised how many people they took money from.

My wife and I were looking for a mortgage modification company and contacted Elect Group, LLC in December 2008. They informed us the whole process would take about 2-3 months. After receiving my money, they kept giving me different people to speak to. When I contacted the lawyer Daniel ** whom they use, it was the same story - they were working on our loan and were waiting to hear from Countrywide.

When I have tried contacting their offices, I would get a recording; you cannot even speak to a person. There's no point trying to leave messages, since they never returned phone calls. Now Elect Group states on their website that they "do not do business in California," which was not the case before. If they promised you a money back guarantee, good luck in getting it back. I cannot even speak to anyone to begin the money back process. Do not do business with Elect Group, LLC. We have also contacted the Florida attorney-general and FTC to file complaints with them.

This company is a piece of work! I have had the un-pleasure of dealing with Elect since May 09. They took my $1,100.00 and I got nothing in return. Their website is not working and telephones go to voice mail. Imagine that! I want my ** money back!

This company contacted me after I made an online inquiry for mortgage modification. They promised to get results in lower payments, interest and they would have it all done within a month or two. They told me not to make any payments on the mortgage. This was December 3, 2008. I am now 6 months behind and can not get my money back from them ($1,000.00) and can not get in touch with them. I am about to lose my home because I cannot make the payments which are overdue because of their recommendations and big promises.

We were behind on our mortgage payment with Countrywide due to my husband's hours being cut at work. I contacted Elect Group, LLC in December. I can't remember the lady's name, but she was extremely nice and ready to do whatever it took to lower our monthly house payments! Once we sent in our $1000 payment and all of the paperwork, she referred me to Robert. She stated he would be handling our account from that point. After a month or so, when I would call, Robert was never available. The operator turned me over to Alex. He stated he would be handling our account from this point! Alex seemed as if he really wanted to help us. He told me he would keep me updated on how things were progressing. He did for a while.

After about 3 months, when I called and asked to speak to Alex, they stated he no longer worked there. I asked for Robert. He no longer works there either. Our case had been assigned to James. James stated we needed updated information, so I faxed him the information he needed. Every time I would call, I spoke with someone different and they would tell me things were being processed and to call back in 2 weeks. About a month ago (May), when I tried to call, I received a message that the phone had been disconnected. So I tried another number I had, it was a different company! So I checked on the BBB to see if anything had been updated on this company. It had. They now had an F on their report where when we went with this company, they had an A+ with no complaints!

When I began reading about everything that people were complaining about, it made me so mad! I tried sending them an email from their website. Not to my surprise, no response! Today, I tried to go to their website and logging in to my account. You can't even do that anymore. They have it blocked now! This has been going on for 7 months now! I spoke with our mortgage holder today and they stated that a modification would mean our house payment would increase in order to get our payment back to where it needed to be. They said it could take a year or more! They said a modification did not mean the payment would be reduced, that normally it was increased in order to get your account up to date. So we have been told a straight lie about getting a modification to lower our payment! This is why we needed the modification because our house payment was too high!

January 2009, I called Elect Group, told them my problem and where I was located. They told me no problem, and they could lower my mortgage in half. My lender started to call. Elect Group said not to contact my lender, they would. Well, six months later, their web page states that they cannot help several sates including mine. I've tried to contact them, I get (APAU) code, I guess I'm no longer one of the chosen ones. The port whole that I was given to, contacted Elect Group is no longer available. Do not deal with Elect Group! I'm trying to deal with my lender.

I retained them to do a loan modification and Heather told me that she could definitely do it. I paid her $1099.00. After receiving my money, I was given several different representatives - Howard, Edna and Christine. Heather would always tell me that everything was going fine. Heather never modified my loan and I had to find out from my mortgage lender that they didn't do loan modifications and Elect group didn't tell me this. After getting into this, Heather told me not to pay anything toward my mortgage and as a result from this, my home is in foreclosure and my family and I will be homeless. I faxed Heather a copy of my foreclosure papers on 6-1-09, the same day that I received them and got no response. I tried calling and the operator said she was gone to lunch. They never return calls. Heather seemed sincere, but now I realize that she is fraudulent.

Run as fast as you can, scammers! I reached out to Elect Group in January after researching and seeing that they had an A rating with BBB. To make a long story short, Daniel ** stated that there would be no problem as they could help us. We made two payments to them for their services totaling $1,995.00. They did nothing after several pc's with no return, faxes, emails, etc. We kept getting letters from my lender stating that we are going into foreclosure. In February, we finally got a hold of someone who stated that our first loan modification had been denied but they told us not to worry because it's just a routine.

Again, the phone tag game began. On May, we received foreclosure papers. My wife and I agreed that enough is enough. We called our lender ourselves and they stated that they hadn't heard from Elect Group since February. The date of sale was set for our house for July 2nd. Our lender worked with us with a modification and we have saved our home. No thanks to Elect Group who is now trying to take credit for our work so they don't have to refund our money. We have contacted the MD State Financial Commissioner and filed a compliant with them as well.

I enrolled in their modification program on 12/2008 by Mr. Wes ** and paid $999. I submitted all paperwork requested and got confirmation from him that all documents were received. My mortgage with Shore Bank was to be restructured. The late payments were to be erased and was told the process would take 45 to 60 days. Communication from Elect Group was extremely poor. I left numerous voice messages and seldom received a call back. Here is a chronological list of events:

On 1/12/09, I received a voice message from Damian asking that I fax updated pay stub, Nov/Dec bank statements and 1040 for 2007. I faxed them even though I had already submitted to them. On 1/13, I called to verify that fax was received. I was told Damian was not available and I asked for a supervisor. I was connected to Robert who said he was a floater. He said he would find out what was happening with my file and get back to me. He did not call back. On 1/14, I called for Robert. Linda said Robert was on the phone and was talking to the bank. She said I would get a call from Robert or Shannon the next day.

On 1/22, I received a voice message from Alisa requesting pay stubs and bank statements for November and December and 1040 for 2007. I went to Office Depot to send fax only to find out the fax # was not a working #. On 1/23, I called and was given a different fax # and was told to fax info to Karem, my processor. On 1/25, I faxed info along with a document I received from Shore Bank. It was a letter that Shore Bank sent to the Law office of Neal ** and my husband and I was carbon copied. The letter stated that they are commencing foreclosure proceedings. On 1/26, I called Karem to get an update. She wasn't available and I asked for a supervisor. I was transferred to James **. He said they needed our 2006 tax info. What did they do with the documents I asked but never got an answer?

In our conversation, he stated that Shore Bank was called on 1/14, 1/15 and 1/16 and they did not receive a response. I suggested e-mail. On 1/27, in the meantime, he tells me not to speak to the bank. They will handle everything. On 1/27, I faxed the 2006 tax info to James ** and Karem's attention then followed up with a phone call. Karem advised me that they were waiting for the lender's response. I asked when did they contact the lender and she responded December 12. I asked how was this done. She said via phone and they tried to reach Maben ** in loss mitigation dept. She also stated that they tried to make contact on 1/14. I asked if she had the name of the rep who attempted to contact them. She stated it was the precious rep however, she didn't give me a name. She said it would take 60 to 90 days now since they have updated info in the file. She also stated she would be my processor.

On 1/29, I received a letter from Law office of Neal ** stating we should pay the entire balance due on the mortgage or contact Mr. Jim **, Sr. Vice President, and work out arrangements for payment. If neither is done, they would be entitled to file a foreclosure lawsuit. I called Elect Group and asked for Karem and was told my processor is Bianca. I informed Bianca about the letter and I faxed it to her. Tired of not any response or communication, on 2/6, I went to the support ticket screen and submitted a ticket asking for someone to please call me. On 2/18, I received a call from Steward **. He said he is the Sr. Analyst. He said Wes was sick and was calling to find out how things were going with my file. I gave him an update. He said he would check into this and call me back. He never did.

On 2/23, I called to get update and asked for Bianca. The receptionist connected me to James **. He informed me that Bianca was on the phone and she would give me a call back. I never got a call back. I have checked the update screen from time to time and noticed that they indicated that they called and left voice messages at Shore Bank for Maben **. I tried to reach Elect Group by phone but there is a recording that states that number cannot receive calls. I left another support ticket today (6/11) and haven't gotten a response. My situation has not been resolved and now it's in ruins.

I was contacted via email from Ms. Betsy ** about their program, how they help others, and their 80% success rate. I was very skeptical, and laid off over a period of 3 - 4 months. I was contacted and told that they have helped many others and if they could not, they would refund my money. She assured me she would personally take care of me and was understanding of my situation. After 5 plus months later, I emailed, put in "Support" ticket, only to have no response. I called the number, no answer, call and press 2 as if I am a mortgage company and got a representative. They told me Etty and Betsy no longer works there. She told me that I should not have any communication with my mortgage companies, Citi and US Bank. We have an 80 -20 mortgage. It was fraud from the beginning!

Now we are out $1000.00 with 3 kids to feed and a credit score to never get us a thing. We thought Elect Group could help, or at the very least get us our money back. We thought they were an up and coming company, as I checked the BBB in Florida and such before going with them, No Complaints. I have a feeling they up and move around the country to do this and go unnoticed. Please tell me and many others here what we can do to get our money back and put these crooks where they belong. Google Betsy **, she may be a leader!

We were contacted by Elect in Feb 09 to reduce our high interest rates with our lenders. We paid them $1200 up front to do this. We sent in all the info they requested. I checked in at least weekly on the progress. In April we were told that Aurora wanted them to resubmit after May 1 due to restructuring in how they do modifications. In May, I spoke with James L who told me that they were still planning on resubmitting.

On May 13, I got a call from Quantum who told me that they rejected the modification and had no plans to do any more based on our financials. I was upset and we reviewed the financials provided them by Elect. I noted several errors, like my income was 1/2 of what it really is and other errors. With the new/accurate info I gave Quantum, they accepted and we were received a modification.

I called Aurora and the same type of thing occurred only the errors were different. They had a charge card payment I didn't have and my childcare was wrong, they also put in a $1314 unknown amount. I was able to give Aurora the correct info and also received a modification based on the correct info I gave. All this occurred within minutes. I called and spoke with James L, he denied the rejections "they are just telling you that". I asked him to explain the errors. At first he denied any errors. We reviewed the info Elect sent against what I provided and he finally saw the errors.

I asked for a full refund based on this, he told me that he agreed but did not have any control over it. He put it in for a review on 5/1. He said it would take 10-14 days. I called nearly daily but James knew nothing. After 2 weeks James had me talk to Kevin the owner. Kevin told me that he would need to review what was going on and return a call to me the next day. I have never heard back from him even after daily calls by me. James has also stopped taking my calls and does not return calls. I have since placed complaints with the Florida State attorney general and the FTC.

We were contacted by Elect group to lower our interest rates. We sent in all the requested paperwork in time. I called at least once a week to check on the progress. After a while, I was told that the lenders had received our paperwork and were reviewing it. Middle of April, I contacted Elect group and was told that Aurora was making changes coming in May to go along with Obama's requirements.

After May 1, I called again to Elect and was told they had not heard anything yet. I then called Aurora. They told me that in April they contacted Elect and denied our modification application due to our lacking in financials. I contacted Quantum also, who is our second and was told the same information. I reviewed the info sent to them from Elect and found many errors in the financial information I supplied. Such as my income to given to Quantum was half of what is really is. Daycare and insurance information was incorrect.

I called and talked to James Lowe about the errors. He acknowledged the income error and could not understand where the other errors came from. I have requested a full refund. James Lowe tells me that I am entitled to one. When I was talking with Quantum and Aurora I gave the appropriate information and was approved within 2 minutes for a modification. They both said that if Elect had done this to start it would have been fine. James was to turn this in for a review and refund as of May 2.

Today is May 27th and Mr. Riley will not return my calls (apparently he is the owner of the company). James had told me that the review process is 10-14 days and we are not at 25 days. We were not behind on our payments before this and now we are. We are working things out with our mortagage companies on our own.

i was told back in January that The Elect Group could help me get my rates and interest reduced. At the present time I am current on my mortgage,late, but current; although I was told not to pay me mortgage. I paid them $1200.00 and was promised that my mortgage would be reduced in a three month period.

I have called The Elect Group on three different occasions, and was treated very rudely by an associate named Howard.I called a second time and was informed that M. P was no longer with the company. The third call came in March, and I spoke with Neal L, who told me that i would hear something from the mortgage company soon. I hae sent The Elect Group two letters requesting a refund. I have not heard back from them. I have plans to report this to the Fla. Atty General office, and the BBB. However, it is worse that CITIFINACIAL Mortgage would not want to work something out with me.

I retained this firm approximately 4 months ago at a cost of $1,462.00 up front, to work out a modification of my mortgage with my bank.

I provided Elect Group all my financial information, tax returns, W2's, hardship letter, copies of banking statments, etc. During the course of this period, I waited for any kind of action from either Elect Group or my bank, to no avail. I was switched to no less than four (4) different associates who became assigned to my case, all of whom did absolutely nothing.

After many, many unanswered emails and unanswered telephone calls, I was told by Alex (the last associate) that the bank would NOT deal with them directly.

Approximately two weeks ago, I came home from work and found a package from my bank (Countrywide) with a proposed loan modification. My second mistake was to inform Elect Group that I received this. Nonetheless, James Lowe admitted, he knew NOTHING of this. I immediately contacted Countrywide and asked them if they had worked this modification out with Elect Group and I was told it was not. In fact, along with the proposed modification was a checklist sheet requiring me to provide them with everything I had already provided to Elect Group. When I told them I had provided it, they said they have no dealings with ELect Group and that this modification is being made between Contrywide and me.

I immediatley contacted Elect Group, via fax and Certified Mail, requesting my money back, pursuant to its 100% Money Back Guarantee. Needless to say, I never received my money back.

THEY HAVE QUITE A SCAM GOING!

i went to elect group for help so we would not get foreclosed on, but guess what we lost our home. i have got a wife and 2 kids. we are living in a one bedroom apartment. we paid $700.00 paid to electgroup. the keep telling me that it is in the mail. still havent got it. i called the bbb. i am going to share this information with everyone. i found out that they are not suppose to charge any thing until the job is done. not before. riped off $700.00

I was just contacted by Mitch G of Elect Group, LLC. I had initiated a query to see if my mortgagae could be reduced. I am not in any hardship, am not in danger of losing my home. I hav e a very good rate and a 30 year fixed mortgage that I can easily afford.

What I wanted to do is just lower my payment. I had spoken to many other "loan modifiers" and the legitimate ones informed me that no bank would deem me quaified for any loan reduction.

Not this Mitch G. He wispered "I shouldn't tell you this, but many people who do not qualify can get their loan modified. We have expert negotiators that work wit the banks every day and convince them to lower the mortages." He continued to "sell" me on his companies expertise and sent me his "packet" of item to provide him with.

I am not an un-sofisticated consumer and was suspect from the beginning but let him talk.

The convinving tip-off to me was his wanted me to initiate a one month's mortgage as payment to him. Even before submitting any paperwork to my bank.

That's when I found ALL the multitude of complaints against this company.

He is to call me monday after I was to speak to my accountant and lawyer. Any legitimate service would not object to or question me why I needed to contact them. He did question me. He back tracked immediately when I said "I always seek their imput when contemplating financial\legal matters".

I wsn't going to contact anyone. I just wanted the time to really check them out on the internet.

Now I know their history and will deal with him Monnday, if he calls, LOL.

I was just contacted by Mitch G of Elect Group, LLC. I had initiated a query to see if my mortgagae could be reduced. I am not in any hardship, am not in danger of losing my home. I hav e a very good rate and a 30 year fixed mortgage that I can easily afford.

What I wanted to do is just lower my payment. I had spoken to many other "loan modifiers" and the legitimate ones informed me that no bank would deem me quaified for any loan reduction.

Not this Mitch G. He wispered "I shouldn't tell you this, but many people who do not qualify can get their loan modified. We have expert negotiators that work wit the banks every day and convince them to lower the mortages." He continued to "sell" me on his companies expertise and sent me his "packet" of item to provide him with.

I am not an un-sofisticated consumer and was suspect from the beginning but let him talk.

The convinving tip-off to me was his wanted me to initiate a one month's mortgage as payment to him. Even before submitting any paperwork to my bank.

That's when I found ALL the multitude of complaints against this company.

I thank you for everyones reporting them and have added my experience so as to help others avoid them.

He is to call me monday after I was to speak to my accountant and lawyer. Any legitimate service would not object to or question me why I needed to contact them. He did question me. He back tracked immediately when I said "I always seek their imput when contemplating financial\legal matters".

I wsn't going to contact anyone. I just wanted the time to really check them out on the internet.

Now I know their history and will deal with him Monnday, if he calls, LOL.

I signed with Elect Group Aug. 2008; I sent in all requested documents; paid the fee. The person I worked with, Melissa, did not return emails, or calls; I finally spoke with her and she said would resubmit the mod request; More than once, I asked her for copies and to email to me a synopsis of when she spoke with IndyMac; she never did. To date, 4/13/2009, Melissa has not completed the modification; she has not answered emails or calls from March and April 2009. I am heart broken! Elect Group lies, delays, and does not follow through. Elect Group does not keep the client updated.

I am fighting to keep my home; a trustee sale date has been set, 4/30/2009; Elect Group is a rip off; and I would never ever recommend it to anyone!

I started back in Oct.of 2008,charge was monthly Mort. paymt of 1575., took months before i would be able to talk with someone which i had to initiate the call, always leaving messages, no response, when you call and threaten then someone would take the initive to call you, which excuses was i 've tried to reach by your home # which had been disconected for months, they were informed by messages of all new #'s, times to be reach they would also try to send me to website to followup with up to date news, which always show the date i finally capliabe of actually speaking with someone, and only stated what we just talk about.

2 weeks ago Country Wide called me hear at my job, i had been told not to talk them at all, only corresspone with electgroup only, well Country Wide said that they hadnt heard from ElectGoup and that they hadnt spoke to them until 1 week before calling me, and had informed them that my case was close, so they Country Wide were extending a call to me to see if i wanted to work out something, The offer is I will recieve a large envelope, i'm to fill out sign & send all info requested back to them with $3000., then as of May, June, July I will need to send $1575. by 15th of each month, still no guarantee If I will qualify for Modificationm.

My org. Mort. pymt was $1575.at 7.9 interest rate fix. Keep in mind I never miss a Mort.pymt.only late, this group ElectGroup told me that once they accept my case, Ii'm not to send anymore pymts until I here from them. now I'm 6 months in the arrears, and no one wants to talk about it, they totally ignor you. As of today I'm still trying to reach someone, to answer questions

since I've spoken with Country Wide, I called J. Centauro at 9:50 am, once again left message with all #'s to be reach at. I can't believe all of us have been suckered in by these people, ther should be a law against that. Country Wide, I'm asking for a Modification. they're acting like I did something wrong, you all of sudden get a call from your Mort.Co. telling you your case was close, would you tell them you don't have any money, your scared, so you say what you think they want to hear.

Now I'm in a commitment with Country Wide, that i should not be in, No gaurantees at all, I paid a co. $1575 for something Country Wide considers me handling. I'm requesting a refund, Country Wide has also inform me that my house is still up for forecloser.

The Elect Group accepted payment in full from me of $2100 for a loan modification in August 2008. To date, my loan was never modified, nor was I provided with any denial letter. I gave up on the company because I felt as if they were not providing me with any meaningful service and asked for a refund. They refused to respond to my request. Elect Group is now verbally alleging that my modification was denied and that I would be given a 50% refund. They have never provided me with a denial letter or any type of official documentation from the lender of the denial. I know that I qualify for a modification, however Elect Group failed to perform the necessary work on the file to achieve the modification. Now they are asserting that I was denied so that they only have to give a 50% refund.

Please help me by requiring Elect Group to provide an official denial letter from the lender and then providing with a refund of the fees. I will accept a 50% refund only if they can provide me with a denial letter. Otherwise, I desire a full refund.

I contacted my mortgage co. to possibly lower my payments. I was given a website (hopenow.com) to checkout for help. I did and The Elect Group (Mike Procito)contacted me to do a loan modification to include lower payments, fixed interest rate and stop foreclosure. I gave all required information and was told all he needed to get started was one months payment of $1,200 and not to make payments during negotiation to stop any foreclosure proceedings. I was also told it would only take 30-90 days and if not successful I would get a full refund.

In Dec. 2008 I received papers from my mortgage co. but the interest rate was not fixed and would raise every six (6) months in a few years. As told I sent those papers to Elect Group. Since then I have called them atleast twice a month for them to just say it is still being reviewed. I received letters from my mortgage co. and their attorney saying they are going to proceed on with the foreclosure and My sale date is May 7th, 2009. I called EMC mortgage immediatley to find out what was going on because my loan was being reviewed for modification with Elect Group. EMC said no contact with Elect Group had been made since December but they were willing to work with me but no gaurantee of a loan modifacation.

I then called Ellect Group to discuss my situation and because EMC will work with me they say they have done their job. Frankly they did not do anything for me and All I want is my money back

Before I was only two months behind making payments every two weeks. Now I'm behind six (6) months with no payments being made. I am out $1,200 and could possibly lose my house

We were taken advantag. In August of 08 we knew that we were behind on mortgage payments. We got online and looked up help, the first person to contact us was Elect Group. This guy was the most undertanding and compasionate person. He shared with me that he would be having a child soon, I shared with him that I had two yound ones under the age of three. I explained our situation and Hector R. promised me a solution. He said that if we paid him one months mortgage that his company could negotiate a lower payment. I told him that we were three months behind and that if we could afford that then we would be paying it. He told me that this is was the legal fees cost and that it would save our home. We borrowed it from our family and payed $999.00 dollars. Half now and half later he said.

We submitted paperwork, and they took it from our bank. They were very anxious to speak with us until after we paid the money. I recieved an email requesting the remaining amount before they could sumbit anything. I told them that it just wasnt possible at this moment. Hector then told me he would forward this info to the financial department and that I was to not pay anything to my bank. Long story short but after numerous attempts to contact via email and phone, and after numerous failures to hear from them we requested a refund. This was based on our bank telling us that at no time they intended on working with them.

We have since recieved a letter from Elect group saying that they are going to fine us $500 dollars for failure to keep open lines of communication. This is the lowest a human can to do to another. My home was three months behind when we spoke and hired this company. Now we are in a short sale and have to be out of our house by next week. I have two small children and was married in my backyard.

These people are now not only threating us because of their failure, took advantage of our situation, and now my one year old, my three year old and my husband are moving in with my dad. Our home is lost and due to close next week. I am now pursuing legal counsel so that I can obtain my refund that I have requested from these vultures numerous times. I wish I would have known before I hired these people.

Our home is lost. Did not do as they promised to do, and havent returned money.

This is is follow up to my previous complaint. On the ElectGroup website in red letters is a list of states where they no longer do business. There is also a link to BBB for complaints & ratings for this company. I encourage anyone negatively affected by this predatory company to file a complaint through their website. Obviously they are involved in shady practices and are being run out of states. They need to be run out of business.

Simply put my wife and I WERE THE SHAKERS AND MOVERS once we Suspected something was not right.We would often call and email them 2-4 times per month pleading for a status check. Often we would not recieve replys.the common response was, WE ARE SUBMITTING ANOTHER APPLICATION. However, Before I disclose further info I will be in the process of exploring the intent of filing a LAW SUIT. The list is much too lengthly to manifest on line. please people, be careful..my experience of what appears to be SUBSTAND SERVICE is IMHO REAL and almost identical to the claims of this forum. In my humble opinion this company needs to exposed closer.

lets put it this way...it has changed our lives..it has affected our LIVES..

a law suit is pending!

I was looking to get a loan modification. Came across their site and did online app. Received a call from Stacy a few days later. We went over my situation and she told me what paper work she needed. I gave her card information after she told me it would cost $1500. I called the office at the main number only to find out that she no longer worked there. I had already paid $500. I was transferred to a guy named Howard, who gave me a fax number to fax in more paper work.

Two days later, I receive a call from Stacy wanting to know if she could run the card for the $500 payment. I told her that I was told that she no longer worked for the company. She claims that she still does and that she was working from home. I became suspicious that they were just trying to get money. I never called Elect Group again. They have called me at least twice a week since mid February. I'm currently 6 months behind on my mortgage. I am waiting to hear from Washington Mutual on whether my loan will be modified.

I am now 8mos behind and recieved foreclosure papers in feb. they are still telling me we just sent in new package on march 3 there is no way to know being that it takes 10-15 days for my mortgage to accept paperwork then i will wait for the amount of days to go by and when i call my mortgage co. they will say same thing we have nothing from them and when i call back elect group will tell me we have to resend the package for whatever reason they make up then.

I am so far behind and am in foreclosure.

Ms. W called me and explained to me how she could lower my interest rate by calling my mortage company to to a loan modification and that she would call the next day, but that I needed to have all my credit information when she called back. A couple of days pasted and shed called back an explained to me that it was going to cost $1,500 for them to do a re-modification loan and that I didn't need to make my mortage payment. They would explain to my mortage company that we were in the process of doing this and that the 1,500 would also cover any legal cost.

I asked what legal cost would there be and why would I not make my payment? Ms. W told me that it would take 30-90 days to process this and when I asked why it would take so long, she said that my mortage company had a lot of people who were trying to do this. The more I asked question the more she was fustrated and couldn't answer correctly. So she, then hang up and I haven't heard from them again.

I found the Elect Group on the web and filled out an online application for a loan modification. I was contacted immediately. I told them my problem. They said it was different. But that they could help me. They said they checked with my bank and that a loan modification could be done But that I had to pay $995 up front. My problem was not being behind on my mortgage but a mortgage that was due with a large ballon payment and me with bad credit and could get no one to refinance it because of my credit. But I was assured they could get a loan modification done. I am a poor working person that every cent counts.

But I took almost my entire paycheck because I get paid monthly and made the payment to Elect Group. They wanted my debit card number and I told them I didn't feel comfortable doing that. They suggested I get a prepaid visa and load the money on this. I mentioned contacting my bank to let them know that I was trying to get help with a loan modification. They said don't do this it will backfire on us. He was right, but the only one it backfired on was me. Elect Group called and called me until they got my money. Now I could call 50 times a day and my call is never returned. I filed a complaint with the BBB in Florida. I get a email from them telling me my case is closed that they can not help me and a number to contact a lawyer if I am ever in Florida. hahahahhaha oh well. I will make that trip to Florida one day.

I do not believe myself to be a dumb person, just a person believing in other people when they say they can help you especially when I pay my hard earned money for the help. I got so fed up with not having my calls returned that I got a male friend to call the number and leave his number for them to call him for a loan mod. Guess whatttttttttttttt.....they called him back... but we haven't gone any futher than just doing that. I am going to contact a lawyer here where I live and see if anything can be salvaged. The only thing I wanted was my home to be saved. I am a firm believer in what goes round comes round. Sooner or later these ripoffs will get what is coming to them.

Hired them to modifiy our loan and our bank would not work with them and they will not refund our money. Everyone that has a problem with them should file a complaint with the BBB and Florida Department of Agriculture & Consumer Services.

Behind on our mortgage payments and out of 1,000.00 dollars.

I needed a loan modification because my interest rate is 10.87 and also because my brother passed away after 6 long months of been in the hospital which put me in a very depressed state of mind. I could not work for 6 months due to sever depression. I still made my mortgage due to my saving. I was fallong behind and my monthly mortgage was so high due to the very high interest rate.

Elect group approached me and told me that in 30 to 60 days they can modify my loan to a much better interest rate and lower my payments. the also advise me not to pay my mortgage during negotiation. they indicated that their fee is one month worth of my mortgage. which is 1600 dollars. I paid them and i was promised a much better rate and better terms for my mortgage. i singed with them on Agust 15th of 2008. after 2 months since i did not see any result i called them several times a day and 9 out of 10 times i could not get throug. they promised they are working on it and not to worry about it.

finally on Feb 12 of 2009 i got a default letter from mortgage company lawyers that i am in active foreclosure and i need to pay $10.000 of past mortgage. I called the elect group and for days i could not get in touch with them. On January 27 my loan modification was denied due to the wrong financial statement that they send in my behalf. For instance they indicated that i have 200.00 a month pet expenses. I do not own a pet.

it is now march and i am in foreclosure. I have been talking to my mortgage company myself and i am in their mercy. I might loose my home because of Elect group. I am trying to get my money back from them but it is almost impossible to get through with them. They put you in hold as long as an hour or more and they do not come back to talk to you. they are not able to negotiate due to lack of communiction with my mortgage company. They do not know what they are doing. They are nothing but scham.

I need to come up with $10.000 or i will loose my house. For the last 6 months my family and i have gone thruoug horrible mental pressure and cofusion. I am in the verge of loosing my house after 15 years. Thanks to Elect group and my own stupidity for not been a smart consumer

I contacted my mortgage company Nov, 2008. Then again Dec 2008. I then was able to request help with modifying my mortgage. My mortgage is Nationstar. I called again sometime late Dec 2008, then again early Jan 2009. Still in the mitigation dept. I started worrying that nothing would happen in time to get my mortgage modified through Nationstar, my mortgage company, so I started looking online. Then I got a call from B. Garzia. He left a message and I didnt return his call. I got another message a few days later, and decided atleast to hear what he had to say. We spoke a few minutes and he turned me over to a Senior member, A. Ordell.

A. GUARANTEED me over the phone that they could cut my interest rate by half, and my house payment would be cut by atleast half. He also told me I would have 90 days from the day I signed the paperwork before I had to make a payment. This would help me with all my other bills that were way behind. He asked me what my house was worth, market value. I told him $255,000.00 the year prior. He said that it was only worth $175,000.00 due to the decline in the market and house values. He said the mortgage company would adjust my overall sum owed on the house due to the new government bailout. He said it would cost 1 months mortgage, which for me was $2349.00. He said, OK, I can do it for $2190.00. I didnt have the full $2190.00, so he said I could pay half now and half later. I told him I needed to think about it and discuss it with my wife.

The next day I got a call on my cell phone from A. enquiring about it. Then later that day another call on my cell phone. I called him the day after that to go over all the info he gave me and he stuck to all his guarantees. He asked me if I was ready and I said yes. He asked if I had filled out the paper work, and I had. I just needed to scan them and e-mail them to him. I made sure I could pay half of the amount($1100) and the othe half later and he said that was fine. I paid $1100.00, and he wanted me to give him the debit card numbers over the phone while we were on the phone. He said a lot of times the numbers would go through good. I should have known then he was a THIEF! The payment auth. form is a handwritten form. I didnt realize it until later though, when I was going over the paperwork.

A. ran my debit card immediatley. The $1100.00 came out that day. I got transferred to a lady named Courtney to let me know the paperwork I would be needing to submit to them to get my case rolling. I wrote it down, and it took me about 3 days to get it overighted, which also cost me about $25.00. I spoke to B. on Friday after many calls to A. with no returns, due to A. being out of work sick. I told B. I had paid A. the 1st half and how long I had to pay the second half. B. said typically it was 14 days, but we could work on it. That was a Friday. The next day My family and I were out, and A. called my house and left a brief message to call him. He didnt try my cell phone number(which I know he had, because he burned up the line on my cell phone until I made the 1st payment) then A. tried to run my debit card for $1100.00(which should if it was for the 2nd payment should have been $1090) my account didnt have close to that, so then he ran it for $999.00, and it went through. This took my account into the negative.

When it is all said and done, they put my account $547.02 in the negative. I had no money coming in for a week, due to me being out of work on short term disability to have surgery. I tried getting ahold of A., and he finally called me back that Tue. He said he would take care of it. He didnt. I called again the next day, and he said it was a mistake. I asked who his boss was and he didnt want to tell me. I asked him again, and he finally told me Tasevski, but he said he didnt know his first name. I asked him to let me speak to him and he said he cant even speak to him. He said he would handle it and call me back. I said fine. I hung up and called the operator and asked for Mr. Tasevski, and she wanted to know who was calling. Then got back on the phone and asked what it was concerning.

She put me on hold for about 2-3 minutes and J. Lowe got on the phone. I asked if he was A. Ordell's supervisor, he said yes. I explained the financial situation A. had put me in. He apologized, and said he would fix it. I told J. I needed the help, and I wasnt trying to hold this against them, I just needed it fixed. He said it woul take a little while, and asked me to call him the next day. I did about 9:00am. Then for the next hour. J. answered the phone and explained he had been working on my problem. I called my bank to see if there was any recourse, and they said I would put in a complaint, and the bank would investigate it. I wanted to give Elect Group the benefit of the doubt. The bank lady operator, gave me the times and the amounts that A. had tried to deduct from my checking account. J. called me back that afternoon and let me know it had been taken care of. He gave me a confirmation number, and told me it would probably take between 5-10 days to get it back into my account, the same thing the bank told me. I thanked him, and told him I wasnt holding a grudge, I needed mortgage help, and hoped they would continue helping me.

About 2 weeks later, I get a overnight package with a loan modification from T. Brown, the initial mitigation processor I had spoken with back in Dec 2008. I recieved the package on 1MAR 2009, and the payment was due on 1MAR 2009. I called J. and he said to sign it and send it back. I asked about the 90 days I had been guaranteed to get before my first payment. He said it wasnt there fault. He advised me to take what they were offering because if they retried it probably wouldnt be any better. I told him I needed to discuss with my wife.

I called my mortgage company and they said Elect Group had made no contact with them. THe operator pulled my account and went line by line about all the happenings with my account. Elect Group hadnt contacted them. I asked him to note this call very descriptivley and weather or not Elect Group had contacted or not. He obliged. I now have made probably 20 more calls back to J. again today and he will not return my calls. I was able to trick him into taking one earlier by calling the operator and transfering me to his ext. He answered before he realized it was me. Now again he wont return any calls.

I am sitting here out almost $1700 dollars, my mortgage not paid since Oct 08, 6 months, I have a modification that was due to be signed already, and a first payment made, that I cannot make, and about a month before I am out. I feel like I am due a full refund, since Elect Group didnt do anything to get the modification. Something needs to be done against these predatory businesses!

Still have not got a refund calls are never returned. Call my bank and pretended to be me. All we want is our money back. So we can make our house payments.

Behind 4 months on our house payments.

just kept receiving harassing phone calls tell me that they will modify my loan. I have no problem with my loan. and they won't quit calling. their rep. thinks its funny and keeps calling several times a day. this is harassment. why can't this copany be sued?

Discussed a loan modification with Darra D in January. A week later, she was gone. So I figured it was a sign not to deal with Elect. After about a week, I started receiving 10 - 15 calls a day from Michael Procito for about a week and a half, begging me to sign with them. Then Estevan called a few times to explain the deal over and over again. After doing what we thought was thorough research with the BBB and since they had an A- rating, we decided to sign with them on Feb. 6th.

Nothing but headaches and calls about the trouble Elect was having with the draft since they demanded their $1199.00 up front. After they finally drafted it on Feb 10th, 4 days after they were supposed to, I started to think this may have been a bit mistake. Well, I was right. I have placed several calls to Howard, Estevan, Michael and Freddy (who supposedly is the head honcho) and no one will return my calls. Nothing has been sent to my mortgage company about them representing me and they have not stopped the foreclosure process or the sale date for my home like they were supposed to. The are very unprofessional, unconcerened, lying, stealing clowns. No one wants to help and you always get someone differnt who will only say they will take a message and hang up on you.

I was pursued by Elect Group in August 2008. I was one month behind in my ARM mortgage payments. I was told I could get a modification on my loan, money back guaranteed. Elect Group would negotiate a modification plan on my behalf. The modification would result in one or more actions, lower payments, fixed rate, lower rate, reduced debt and loan status brought current. I completed all the paperwork. Submitted all the forms. Gave them $1100. I asked if they had dealt with my current mortgage holder in the past, they said they had, as recent as the day before.

I asked what should I do next? I was told do nothing. I asked should I make my payments? I was told no. I asked how long does this take? I was told 30-60 days. Well...5 months later I received a forebearance repayment plan from my lender. I have a court date with my lender. I have attorney and legal fees added to my mortgage on behalf of my lender.

I called Elect Group. They told me to fax them my court papers & I did...three times. Elect Group tells me I have a forebearance, no kidding. I asked why? Why do I not have a modification loan? Why does Elect Group not know what is going on? They said because the lenders don't normally notify us of what is transpiring. Because lenders are too busy. Well how can you negotiate on my behalf if there is no communication after the paperwork is submitted? I asked Elect Group what have you done for me? Response-what do you mean? Why did I not get a modification loan? They said because you are behind in your payments.

I thought that was the reason for the modification and one of the conditions. Elect Group's response-your lender does not do modifications.

But I was guaranteed when I applied. I asked if you had had a successful loan modification with my lender in the past. Wesly told me yes.

Cortney from Elect Group said I guess you were lied to.

I have a forebearance. The payments are more than the original payments. At the end of this stipulation the lender will decide whether to foreclose. I am out $1100. My credit is more damaged.I have worried my self sick for the last 6 months. I will continue to be stressed out for the next 6 months because I have no promise I will not be foreclosed on. I may be loosing $6300 if the lender decides to foreclose.

I truly believe they new up front they were not going to do what they said. But I pray that God will give back all the money that was take from me and other people and he will deal with lying and evil people.

the damage part was when I was told after I wrote the first letter to the loan Modification dept that if they don't help me they would not be responable for the money of $1500.00 I pay out. after waiting all this Mr. Neil Lipsky said to me Jan. 11, 2009 it was nothing they could, but he knew up front what was happening. They do not return you calls.

My story is the same as all the others have stated. I am now attempting to get my money back. It looks like it isn't going to be a simple task.

I have spoke to my bank and they are still willing to help. So my advice to anyone in this situation is CALL YOUR BANK. Try to work something out with them because THAT is what will help you keep your home. Not elect group.

I was contacted by Simon B about a loan modification, I submitted paperwork paid 2000.00 dollars to firm and was told that despite chapter 13 I could get a modification, its nearly 4 months now I can not get in touch with company and have fallen behind on my payments.

Faxed initial necessary paperwork to Elect Grp on 11-21-08 to get things going. Called rep & told her I'd faxed info. No response from rep at Elect Grp until 12/3 when I got her on the phone. She stated no faxed received. Faxed again on 12/3. 12/4 was told min. fee was $999. for the first time after a month of pursuing my business. She had always stated that the fee was 1 month's mortgage payment & I told her several x's my mort was $650 a mo. 12/5 I agreed to the $999 w/ first installment of $250 to come out of my acct on 12/19. On 12/9 Elect Grp did a trans. for $250 against my acct w/o auth. causing $112.00 in overdraft fees to my acct.

On 12/15, called rep when I discoved the error. 12/16, I told her that I would just like a refund & I wished to disolved any relationship with this company. She was rude, and said she would take care of it & would never do bus. w/ the likes of me.

This rep poorly represented the company in her lack of response, misleading me regarding the program fees and she also said she would double check with me before taking any money from my acct and that didn't happen either.

Weeks later with minimum of 18 calls made to her and her boss, still no resolve.

Filed a complaint to the BBB and discovered that they are conducting business under other company names that they aren't even affiliated with, so my first attempt through the BBB failed. Filed with them again today.

I wanted representation, so it wasn't just me against the large mortgage company to help me save my house. A decesion that my partner was against and now saying, I told you so. I am out $362.00 with no resolve in regards to my mortgage situation. I am now at the mercy of my mortgage company as to whether I get to keep my house or not.

I just hope it all works out.

We paid them 1,000.00 dollars to do a loan modification that they could not do and now they will not refund our money. We are now behind on our house payments and our bank will not work with them and they won't refund our money even though they had a money back guarantee.

We are in forecloser on our house because we were told not to make our payments so the bank would work with them and they won't and can not get our money back.

They were supposed to do a loan modification for me to lower my mortgage rate. They took $500.00 and never did a thing. I only got emails and phone calls that said don't worry-everything is going fine.

They advised me not to pay the mortgage payments during the negotiation time with the mortgage Co and that they would have these months excused from the loan. I finally called the mortgage co and they said that Elect Group had never contacted them. I was never told by Elect Group that I needed certain documentation until they took my money and then they told me that I needed documentation that I couldn't provide and that if i couldn't provide it, they couldn't do anything for me and that they would not return any money to

me. They do have a money back guarantee which they do not uphold.

I am now in foreclosure and am losing my house because of their wrongful direction.

The comments I have read by others about Elect Group sound so familiar. Without a doubt, this company is a predatory business that takes money from potential customers and delivers nothing in return. My wife initially contacted Elect Group to see about a home mortgage modification. For the first three or four days, their representative, John, called several times.

My wife felt pressured to give this a try so she consented to give them our account information. They said they would get us a loan modification or we would get ALL of our money back. Now, these crooks tried to take $1000 from our account, but we only had $500 in the account left for the month. No matter, they took it anyway. Four months later, we weren't able to ever get anyone to return phone calls until yesterday.

My wife persisted and called daily until someone finally took the call and said they couldn't help us at all. However, we were only going to get HALF our money back. Initially these yahoos told us not to make any more mortgage payments. Thankfully we ignored that advice and have kept our mortgage up to date.

As I see it their business works like this: take a customer's money, invest it for company profits for several months and if the customer*******enough, some day, give them half their money back, after the company has profitted off of the initial theft. Face it folks, you will get absolutely nothing but more troubles from dealing with Elect Group. The only way they avoid prosecution is they work through too many jurisdictions with too little theft per victim for any law enforcement agency to invest time investigating and charging them. By the way, John who first took our money no longer works for these crooks.

They never contacted me, but I saw on my caller Id that they had called on Den 20, 2008. They did not leave a message but they have my number at work. I have been trying to call them for weeks and no onw will call back. A llady answers the phone and directs to someone who never answers. They told me to ignore the phone calls from my mortsge comapnny and that they would contact me in a couple of weeks. I have not heard a word from them.I am behing 2,000 dollars in my mortage and I am scared as I can be.

I am behind in my mortage, I am going to talk to legal aid to see what they suggest, and I hope that they burn in hell. I struggle to pay my bills and to have this happen is freud.

they said they could modify my mortgage. if not they would return half of our money. they said not pay our mortgage. they took 2500 dollars from our bank. when they said they couldn't they refused to return even half the money as stated in there money back guarantee.

we are now behind in our mortgage. we must some how come up with 2 payments and late fees. I can not sleep. we have small children to think about. they are supposed to help people, instead this company takes advantage.

The said they could get my loan modified and if they couldn't they would refund half of what I paid. They did not get the loan modified and said that they would refund the money in 5 to 7 days. That was a month ago. I have called almost everyday and the owner will not return my calls.

We put it on our credit card and are being charged interest on all the money.