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Scam: #3636

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Loan Modification

Us, California

This scammer company is violating SB94 that states very clearly: that no company is allowed to charge any up front fees for any type of loan modification, or principal reduction.

They claim to have an in house Attorney and Certified HUD Counselor working on the files. This is a lie. The reality of it is that there is no Attorney or HUD Counselor in house what so ever. The likelihood of these modifications being completed is very low.

If you have given this company any money I suggest you request a refund before it's too late. It's only a matter of time until they start getting complaints and begin to be investigated. Real Estate and mortgage fraud is #1 priority at this moment in time with all the fraud and scams the last few years.

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BY THE WAY SINCE IT'S NOT LISTING THE COMPANY NAME HERE IT IS:

FIRST CAPITAL AND ASSOCIATES
26120 EDEN LANDING RD, SUITE 5
HAYWARD, CA 94545


http://www.firstcapitalandassociates.com/
  • CAL
  • Submitted: 11/16/2011
FIRST CAPITAL AND ASSOCIATES guarantee a loan modification with upfront fee. Anyone having info on this company PLEASE post recommendation or scam.

Cal, what info would you like?
  • CAL
  • Submitted: 02/25/2012
First Capital and Associates
26120 Eden Landing Rd Suite 5
Hayward, CA
510-293- (0644, 2085, 2086, 2087)

Owner: Connie Crane
Neil Patren

Employees: Jessica ? Cindy ? (office)

They say they have a company (Home Remecy Group-run by Francis Espagnola ph:510-293-2085) within their company who are HUD representatives that work to get their modifications approved. We hired this company and paid the 4000.00 fee and received nothing more than what we did ourselves. They did postpone the sale date but say our bank ignores their calls and gives them the run around' and has denied the modification so our house will be sold and there is nothing that can be done at this point. WHAT A SCAM! WHAT A WASTE OF TIME AND MONEY!
Truth be told there is no Francis. Connie Crane is Francis. That is just a fake name that she uses to negotiate with the banks for loan modifications. Just so you know there is no work, or very little work being done on these files. There are no HUD counselors or HUD representatives working at this company. This company is a scam who are taking advantage of people by giving them false hope, and lying to them about getting them a loan modification. It is illegal and in violation of SB94, to collect any upfront fees for a loan modification. I suggest you report them to the DRE (Department of Real Estate Enforcement). Companies like this are taking peoples money. You should also report them to the District Attorney as well. It's only a matter of time until the complaints start rolling in. Once all the people they have taken upfront money from realize they have been scammed, shit will hit the fan. The DRE does not take this lightly and will likely pursue an audit of this company, which will bring charges against them.
Do not let them get away with this. Report them and do everything you need to do to get your money back. Call and demand to speak to Neil or Connie and tell them if they do not refund your money you will report them to the DRE and the DA. It does not matter what the contract says. Get this website and scam info to everyone you can so we can get this company out in the open and everyone knows what they are doing......GOOD LUCK!
The website address for the DEPARTMENT OF REAL ESTATE IS:
DRE.GOV
YOU CAN GET ALL THE INFO YOU NEED FROM THIS SITE.
ALSO FORWARD THIS SCAM PAGE AND POSTS TO CONNIE AND NEILS EMAIL ADDRESSES SO THEY KNOW THEIR SCAM INFO IS OUT IN THE OPEN NOW AND THEY CAN READ THESE POSTS WE DID.
iT WILL BE NICE TO SEE THEM SQUIRM!!!! :)
  • CAL
  • Submitted: 04/03/2012
SCAM

1ST CAPITAL & ASSOCIATES
1ST CAPITAL AND ASSOCIATES
FIRST CAPITAL & ASSOCIATES
FIRST CAPITAL AND ASSOCIATES
HOME REMEDY GROUP
CONNIE CRANE
NEIL PATREN
FRANCIS ESPAGNOLA

neilp@firstcapitalandassociates.com
  • CAL
  • Submitted: 06/02/2012
Connie Minniti
AKA Connie Divecchio
AKA Connie Crane

Filed Bankruptcy Chapter 7 Case No. 12 - 30163 DM

http://www.incredibleagents.com/real-estate-agents/CA/San-Mateo/REMAX-Dolphin-Real-Estate-SM/p1539691/Connie-DiVecchio.html

http://everyjoe.com/work/the-inches-a-weigh-license-the-perfect-business-opportunity/

http://www.spokeo.com/search?q=Connie+Crane&sns1=t26&global=true#California:2399959177

http://www.spoke.com/info/pYn5SJ2/ConnieDiVecchio

http://www.realtytrac.com/property/ca/foster-city/94404/265-killdeer-ct/43159751

http://www.peoplesmart.com/psp.aspx?_act=resultsgo&search=name&firstName=Connie&middleName=Frances&lastName=Divecchio&age=48&ZIPCode=94404-1331&city=Foster City&state=CA&utm_source=corporationwiki.com&utm_medium=Advertising&utm_content=PeoplePageWidgetH150_A&utm_campaign=PeoplePages&tid=PeoplePageWidgetH150_A&cam=&aff=66

  • CAL
  • Submitted: 06/02/2012
Connie Francis Minniti AKA Connie Crane AKA Connie Divecchio AKA Francis Espagnola

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