Fidelity Mortgage

I paid this company $1200 to get me a motivation on my loan. It's been almost a year and no results. I had to file bankruptcy to save my home. This company refuse to refund me my funds back. The phones never works but was working fine when I paid them the money. I would like my funds back. You did not help me at all.

I contracted them to investigate/audit the property and home we live in which we are behind in our home mortgage for 46 months.

Our first mortgage is with Chase Financial Bank. The second mortgage is with the Bank of America which bought Countrywide Mortgage after they disclosed information on some of the customers. As I understand they had many victims, and we speculate we are in that group.

When we closed our business transaction, suddenly Aames Mortgage had the contract. They sold the contract to Fireside Bank. Fireside Bank decided not to take the contract, and it went back to Aames Mortgage. They sold the contract to Countrywide and they sold the contract to Chase Financial Bank.

During this time not once were we called (or by mail) about this "paper shuffle". My wife and I were never notified until we received the notice that Chase Financial was the primary lender and we took a second mortgage involving the Countrywide Financial Group. As we understand it the Countrywide disclosed much information about all the victims of poor credit. The speculation is they forged some contracts and et cetera.

We also speculate that Chase Financial also signed contracts that included us. In the year 2007, we were paying per mortgage as agreed. Until our daughter came to live with us; was afflicted with diabetes and mental disorders, which was caused by her drug addiction and other health problems.

Our daughter is not qualified to obtain SSI, Social Security or any U.S. Government entitlements. The State of Missouri does help with Medicaid and food stamps--that is all she can get. My wife and I had to absorb her hospital costs, doctor's cost, medication costs and expenses incurred during her ongoing health situation.

At this point, I tried to get house payments lowered down explaining our dilemma and hardships. When my wife and I signed the mortgage loan, both of us were over 65 years of age. According to some attorneys, since we were over 65 years old, we were supposed to get a loan on a fixed rate other than an adjusted rate.

Our house payments went up to $1034.00 a month from the previous payments of 636.99 a month. My wife and I could not make these payments. I am a disabled veteran and my wife's health is not good. Praise God I have veteran's health benefits that does not cost me anything (unless it is something the V.A. does not provide, I have to pay out of pocket).

My wife has health insurance which is a tremendous help; so, most of our out of pocket expenses goes to pay for our daughter's health expenses--which is quite exorbitant. This is all we have to do, pay for our daughter's health.

We have cut our food expenses down to a minimum amount. Our utilities we have been blessed to pay (sometimes late) and one time our water was cut off by the city.

Chase Financial has been kind to us because of our conditions. We tried to modify our payments through Chase and they would not accept our proposals. This is when Secure Audit Group/Fidelity Financial Group said they could intervene and have our loan payments down. We decided we needed this kind of help. We paid them $500.00 on June 1, 2011 and Mr. ** stated to me that he would keep up to date as to the progress on our case.

He did not comply with my instruction; now about a week prior to the end of June, I told them I did not need their services and requested the refund of $500.00, which now they do not want to comply.

I reported them to the Federal Trade Commission case #31238895, and this group stated to me that this would not do any good. We can't afford an attorney to collect this money because his fee would probably be the amount this group owes us. I supplicate maybe the Consumers Affairs will help us. We feel this group committed a fraud, with them refusing to refund our money.

We pray for a miracle to happen once your agency confronts them.

We went to him, because he was recommended by our realtor, to get a mortgage loan. Everything was running smoothly. Today, 10-1-10, he talked to my fiance Mick, and stated you are not my customer, and started cussing at him ** this" saying, "you listen to me". He's just very rude and unprofessional. We are now in a crunch to find someone else to get us a mortgage loan.

We had to refinance our house in July 07. We thought that Fidelity was the bank that we were going to use. Instead we now pay Ocwen Loan Servicing; we didn't know that this was our lender. Luke told us that if we paid $6796.88 in points that our interest would be lowered. Our starting interest, he told us, was 9.25%, and our payment would be $1950 on a 200k loan. That didn't make sense to me. We told him that we could not afford that big of a payment, and that I wanted to pay points to get it around 7.5% Our original payment was $1590; while still high, we could afford that. He sent out many good faith estimates. Seemed like one was coming everyday and all said different things. The day of signing came, and they told us that that the loan would be 217,500; we didn't know that it was that high. And that there is a 5% pre-payment penalty if we paid in 3 years. The interest was not lowered. We tried calling Luke for help, but he was not available--and we felt lost, felt like we had to sign. Now we are stuck with a payment that we told him was too high for us to pay.

Right now we have had to cut bills, trying not to take away kids activities but unfortunately that had to happen. We are now paying for the next three years a payment that we cannot afford and a high loan amount that we did not want. We have now drained our savings paying for this house and can't get anything into savings should something happen to one of us. Not sure what our next step will be.