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They paperwork I was sent was old and outdated, but it contains enough information that they could pretty easily assume your identity or hi-jack your accounts.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!
they be wasting their time.I do not answer unfamiliar number.Either they leave a messsage or not. Nope not me. I don't have time for this people. Just delete it.
Mortgage modification scammers from India calling you on their internet phones and using FAKED caller ID info to make it look like they are here in the USA.
Do NOT give them any info. They will hijack your account. This is a SCAM.
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!
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)!!"