Most Shared



text size

Howard Ain, Troubleshooter: Mortgage Modification Help Alert

Updated: Wednesday, November 27 2013, 04:33 PM EST
CINCINNATI (Howard Ain) -- A woman seeking to modify her home mortgage ends up paying a company that claims it can help her.

But, as Local 12 Troubleshooter Howard Ain says, she now feels she was deceived and wants her money back.

Deborah Spencer of Harrison says she called her mortgage company about a mortgage modification. But, before that was worked out, she went on an out-of-state vacation with her family.

"We were on vacation and I got ill. I had spoke with my bank about trying to modify my loan on my house because I ended up on social security disability."

While still in the hospital, she got a call on her cell phone from a law firm that said it would help with her loan modification. It faxed documents for her to sign, faxed them to the hospital, where she was recovering.

Spencer: "I was on medication and they were very incessant. They called constantly, oh we can send everything right over and get started right away."

Spencer was then asked for money.

Spencer: "They wanted me to give them 29-hundred dollars for a retainer. And they said well, faith just give us $1450 now."

Spencer sent them the money using her debit card. When she returned home, she called her mortgage company representative who told her he never heard of that law firm and questioned the whole thing. The contract says Spencer has 5 days to cancel the deal and she tried to do that as soon as she got back home.

Spencer: "Wouldn't give me a last name, just said his name was Randy and pretty much said well we have your money, you're not going to get your money back."

But what about it says 5 days in writing you can cancel?

"They said it didn't matter."

I couldn't get any answers from the company, so I told Spencer to file a complaint with the Ohio Attorney General. She did and now I'm happy to report the company says it will return her money because she didn't use the retainer.

Now, Spencer is going to represent herself in getting her mortgage modification and wants to warn others to be careful if you get such offers.Howard Ain, Troubleshooter: Mortgage Modification Help Alert

Advertise with us!

Related Stories

Scam Alert

  • E-greeting Card Scam

    The e-greeting card scam is not a new one, but the FBI says it's returned with a vengeance.

    It's Internet Crime Complaint Center is receiving an increasing number of complaints.

    The fraud e-cards contain malware as an attachment, or it contains a link which sends the recipient to a web page where they can pick up viruses, keystroke loggers or other so-called trojan horse programs.

    The e-cards sometimes even appear to be from legitimate e-card greeting web sites-- but the actual address of the links point to a numeric address, rather than one containing the name of the postcard company.

    If you get one of these e-mails you can file a complaint on the FBI's web site,
  • Jury Duty Scam

    Officials all across the Tri-State are warning about a jury duty scam that may put you at risk for identity theft.

    Police say someone has been calling residents and saying they face arrest for failing to report for jury duty.

    The caller asks people for personal information including their Social Security numbers to clear up the situation.

    Authorities say the calls are part of a nationwide scam. If you think you have been a victim call your local police or sheriff's department.

More TroubleShooter Links

TroubleShooter Feedback

Do you have a problem that needs Howard's attention? Fill out the form below and let him know!
Please re-enter the code shown in the image below.
Advertise with us!