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Beware of Home Protection Group (HPG). These people are nothing but con-artists. They convinced me into believing they were going to lower my mortgage payment by conducting a forensic audit on my home loan. There website disclaimer clearly states that they are not a loan modification company, but when I consulted with them they assured me they could reduce my mortgage payment. Sound like a modification to me! They had me fill out and sign an application giving them the authority to request my original loan documents from the lender. There was no up front cost. I didn’t have to pay anything until the forensic audit was completed. HPG told me, while conducting their investigation, if they were to find any discrepancy in the original loan documents, they would go into aggressive negotiations with my lender. Practically forcing the lenders hand into lowering the principle balance owed on my home to what the current market value is today and also lowering the interest rate on my loan, resulting in a 10 to 30% reduction in my monthly payment.
Well that sounded great to me, because I was then and still am current on my loan payments. I don’t qualify for a loan modification because I am able to make my payments. There are some loan modification companies out there who have their clients intentionally hold back payments so that they can show a need for the loan modification programs. HPG markets their program to home owners that don’t want to ruin their credit. HPG told me due to the fraud committed by the underwriter my case would be resolve in within three months.
HPG did contact my lender requesting information about my loan. I know this because my lender contacted me inquiring why HPG was requesting my personal information. HPG instructed me not to discuss anything with the lender because their Attorney’s were handling my case and that anything I discuss with the lender would complication the negotiations and my possible lawsuit. At that moment, I felt comfortable and confident that HPG was a legitimate company looking out for me. Later I would regret my decision
Shortly after my contact with the lender I had received an email from HPG congratulating me on qualifying for their Home Retention Program. Here is the letter:
Congratulations! Home Protection Group has reviewed and accepted your application as a candidate for the Home Retention Program. Our company feels you have a strong case, and we would be honored to work with you in solving your mortgage situation.
In order for us to move expeditiously forward with your file, please check with your Processor or myself to make sure your payment for the Service Fee is made in full. At this time, only bank-issued cashier’s checks or bank-issued money orders are accepted and they should be mailed to
ATTN: HPG Accounting Department
20955 Pathfinder Road Suite 200-22
Diamond Bar, CA 91765.
www.my-hpg.com/
As soon as your payment is received, we will immediately initiate our legal process on your behalf and keep you informed of the status of our actions.
As your Personal Assistant, I will be your point of contact working together with your Processor to guide you through our process. Please forward all legal paper work and/or notices from your lender(s) as soon as you receive them to your Processor and to me ASAP. There are legal procedures that we must follow in a judicious manner; therefore, it is essential that we have current information in order to act accordingly and in a timely fashion.
If you have any questions, please let me know. We look forward to serving you.
Thank you.
Sincerely,
Jan Vincent Bacon
HPG Personal Assistant
When I spoke with my HPG representative, he told me that they had found so many discrepancies in my loan documents. That they felt they could easily negotiate with the lender because the under writer had defrauded me. The email also stated that in order for them to go any further on my behalf they would need a cashier’s check for $3750.00. After receiving what I thought was great news, I sent them the money.
A couple of months had passed and I had not heard anything concerning a reduction or any contact from HPG, I called their office to find out how thing were proceeding. I was assured that everything was going as planned and that I should be seeing results very soon. Two more months had passed with no results. I called them and was sent to voice mail. I left them a message. No response. I called several more times. Still no response. I found their website and did a live chat with one of their operators. He put me in contact with my HPG representative, a Mrs. Castile. I sent her an email. She did respond by calling me.
When I spoke with Mrs. Castile, she informed me that they had changed the format of the program and that an investor would be contacting my lender to buy my loan at a reduce rate and that my payments would no longer be made to the lender but instead to the investor. A red flag immediately went up. I informed her that I never agreed to that and that this is not the program your company had presented to me or did I ever agree to anything other than the forensic audit and the negotiation with the lender. After hearing that HPG change its format, I told her that I wanted all proceedings to stop and that I wanted an immediate refund of $3750.00 due to the breech of services they didn't provide.
I contacted my lender and informed them not to discuss or negotiate my loan with HPG or any parties. My information is thankfully being protected by my lender. I also asked my lender if they had the received any further inquiries from the HPG group since they first had contact requesting my info. Fortunately, the answer was no. My lender assured me that without my written request on their paper work. They do not under any circumstances release information to a third party. HPG knew that my bank had never given them my loan information.
I have repeatedly requested my money back without any response. They won't return my phone calls or emails. It sounds like another ponzi scheme. Don’t be conned by these scam artist. If anyone out there is thinking of using Home Protection Group (HPG). DON’T DO IT!
If there is anyone out there who has been victimized by Home Protection Group (HPG). File a complaint with the California Attorney Generals office and the District Attorney’s office in Diamond Bar, Ca. Feel free to contact me. We need to contact an attorney that is willing to file a class action lawsuit on these crooks.
The complaint has been investigated and resolved to the customer’s satisfaction.
Yup I agree they are full of Promises.. stay away w/ the HPG . also the Big liar is Rissa Cua.. stay away from her... she is full of [censor]
yup Rissa Cua is the only believer of his company... Beware of her ... HPG fails to deliver their promises
Marissa Cua is big time con artist please be careful of her she will scam you too HPG is changing name to "NOAH" please pass this around . they"ll do that so they can hide from those people that got scammed ...
cut and paste below link to learn more how Marissa Cua and Jess Lim scammed the hoeowners
Homeowner Protection Group — Mortgage Resets
HPG are the biggest SCAM artists that get homeowners hopes up in believing that they will save their home from foreclosure. As soon as we sent them our money, they neglected our mortgage situation. We kept calling to check on a status on our situation, they kept saying they were working on it. Finally, a representative called and said, you have to file for bankruptcy by tomorrow or they will foreclose on your house. I asked, what happened, I thought you were negociating a modification on our home! The rep said, we are so sorry, but your folder fell on a desk of somebody who has been on vacation for a couple of weeks, so it was neglected! In desparation, we filed for bankruptcy to stop the foreclosure process, messing up our credit of course. After the bankruptcy, we were neglected again by HPG. Giving us all these promises of helping us to get our home back and our credit back in good shape. We spoke to 5 different representatives making promises to us. We actually even spoke to Jess Lim ourselves who made promises about our home, he never backed up any of those promises. Our lender indicated that HPG only contacted them one time! Phillip Diep is a "former" partner of Jess Lim because he recognized what a mess Jess had on his hands with all of these broken promises. HPG has had offices officially closed down due to illegal practices. Many of their respresentatives quit because they were threatened by a District Attorney to shut down or go to jail.
This company messed up our credit, put us through a tremendous amount of stress and most of all, we lost our home! Thanks HPG, I'm glad one of us can sleep well at night.
Hello All,
I have my aunt in the same situation. Sadly I refered her there because they made those amazing promises. My question is what about the "class action lawsuit" is the attorney in on all this? I've tried calling several times and have had no response. Thanks.
Pls call me [protected] they’re on trial now
I was also scamed out of money. They promised me to restructure my loans, but I ended up losing one of my homes to foreclosure, and I had to file for bankrupcy to keep my other home. I filed a complaint with BBB, and they never responded to my complaint. I also filed one with the State Attorney General. Unfortunately, I really trusted my agent through Perez Financial who referred me to HPG. They have now changed to their name Secure Future Foundations out of Gilroy, CA. They also have failed to recoup my money and reimburse me for the money they charged me. I'm filing a complaint with the Department of. Real Estate.
yup! The truth rally coming out now!
was also scamed (MARISSA CUA) out of money. They promised me to restructure my loans, but I ended up losing one of my homes to foreclosure, and I had to file for bankrupcy to keep my other home. I filed a complaint with BBB, and they never responded to my complaint. I also filed one with the State Attorney General. Unfortunately, I really trusted my agent through Perez Financial who referred me to HPG. They have now changed to their name Secure Future Foundations out of Gilroy, CA. They also have failed to recoup my money and reimburse me for the money they charged me. I'm filing a complaint with the Department of. Real Estate.
I am a victim too. Can all of you share whatever steps you are taking to file a claim against this company?
Could you please let us know the process in filing law suit with the state attorney general. We are the group of clients in San Jose, Ca who have the same issue. Thanks
Pls call me [protected] they’re on trial now
Hello maybe we should all get together and brainstorm Ideas and what we have done so far to stop these guys. Please let me know if you agree so we can set a date place and time to meet.
Has anyone done anything to get back at these crooks? Please share so I can do the same.
submitted complaint to the attorney general...but have not received a response yet.
We got invited for seminar concerning mortgage modifications, guess who was chairing the meeting. a NOAH rep. I saw some complaints in this other site on http://www.philippinebeat.com/showthread.php?5036-Beware-of-mortgage-modification-scams
can anyone tell me how to file a suit or submit a claim on JESS LIM AND THIS COMPANY HPG. LIARS CON ARTIST. PISSED ABOUT ABOUIT WHAT I WAS PROMISED AND THAT MY REFUND WAS SENT! LIES
my refund was promised and never was sent==== mistake on last email. took my money did nothing. no responses. lies lies lies. he needs to go down and be put in jail. DO NOT SEND MONEY TO THIS COMPANY!
Hey, After complaining day in and day out we received half of the money we sent into them, but they have refused to send the rest. We have complained to the AG, even contacted a local news studio to have them investigated. As I write this we have lost our home and are now renting. Thanks in no small part to HPG. Our Representative's name is David Brandolino. He is the one that convinced us to get involved with these crooks. To be fair, I am not sure if he was in on the whole scheme or just stupid. My advice to anyone who reads this is not to get involved with him either if you see his name out there while your looking for help.
Please feel free to tell him I am the one who told you about him.
Also, anyone knowing the whereabouts of Jess Lim, ( if that is his real name) I would like to know.
I suggest everyone to contact the BBB, post complaint board such as this one on your update and report to AG and DRE and your respective county.
His real name is Jesus Lim.
They changed their name from HPG to Twin Builder Foundation Corp.
Same situation my parents were foreclosed because of this company. For sure they are full of promises. I'm trying to get my parents refund but never get any response from this scam bag.
Jess Lim Is going down I heard He start eliminating Rissa Cua after he used her, Poor girl... Now Rissa where aree your promoses now... I told you Jess lim is scam and con artist
they can be found in glendale, ca it is inside the Hollywood Production Building. That is the main office
NOW RISSA CUA WORKS FOR VISION F FAITH THEY WILL BE SCAMMING PEOPLE THERE TOO .. STAY AWAY W/ VISION OF FAITH TOO
IS THIS THE SAME GUY HOOKED UP WITH JESS LIM AND HPG?
http://save1home.com/aboutus.html http://www.visionoffaith.org/aboutus.html
Philip Diep Real Estate Lic# [protected]
http://www2.dre.ca.gov/PublicASP/pplinfo.asp?License_id=01803929
Premier Real Estate & Financial Services
8105 EDGEWATER DR STE 206
OAKLAND, CA 94621
Marissa Cue has her license # [protected] with this company also
Phillip or Philip Diep BBB already has complaints Non Profit tied in with doing loans? NEW SCAM ?
http://www.bbb.org/greater-san-francisco/business-reviews/loans/vision-of-faith-in-oakland-ca-361858
RISSA CUA JESS LIM, PHILLIP DIEP THEY ARE IN CAHOOTS ... THEY ARE ALL SCAMMERS
STAY AWAY W/ VISION OF FAITH TOO ... NEW WAY OF SCAMMS ... NON PROFIT ORG DONT THIS KIND OF BUSINESS ESPICIALLY RISSA CUA WORKS FOR THAT COMPANY... PHILLIP DIEP IN JESS LIM ARE PARTNERS .. PLEASE STAY AWAY W/ THEM
PHILLIP DIEP, VISION OF FAITH AND HPG ARE IN CAHOOTS, , BE WARE THEY ARE SCAMMS
A scam is when you collect fee. Vision of Faith program is FREE for all homeowners. Actually, their programs is recorded on their website...www.save1home.org.
Good try but I think people can be educated enough to do their own due diligence. We are not associate with HPG nor we want to be.
If you can't provide a solution, you are the problem.
Also, thanks to this site, more educated people are signing up with our PRP program after they have gone on the site. It only take 10 mins to find out...www.save1home.org
BBB post this info not the non-profit so the person that post the complaint indicate it is offering loan. 1 complaints for a company that has been in operation since 2004!
Visit the site.www.save1home.org
LAST BUT NOT LEASE FOR HOMEOWNERS AND PEOPLE READING THIS POST.
DON'T JOIN OR SIGN UP WITH VOF, IF YOU ARE NOT COMFORTABLE, as our programs is FREE and we are not trying to convince you.
Report to the DRE and the DOJ if you are scam and cheated of money. Including from HPG.
From
Vision of Faith staff
JUST STAY AWAY FROM VISION OF FAITH ... MARISSA CUA, JESS LIM AND PHILLIP DIEP, HELEN NG THEY ARE ALL IN CAHOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOTSSSSSSSSSSSSSS..., , , .. NON PROFIT DONT DO THIS KIND OF BUSINESS
people !~! VISION OF FAITH AND HPG ARE THE SAME, , , JESS LIM AND PHILLIP DIEP ARE PARTNERS, , DONT BE FOOL, , , THAT IS THE REASON MARISSA CUA IS WORKING NOW WITH VISION OF FAITH, , , . THEY ARE GOUNG TO COMBINE ALL THE FILES LATER ON... THEY ARE PRETENDING THAT THEY ARE NOT COLLECTING FEES ... YOU WILL BE SURPRISE LATER ... DO YOURSELF A FAVOR, , , , , , , , , , ... ITS EASY TO FIGURE IT OUT JUST LIKE 1+1+1+1 =4
OR JESS LIM+PHILLIP DIEP+MARISSA CUA +HELEN NG =? THEY ARE IN CAHOOTS
Yes, please don't use our free programs. It will cost you too much money. Be smart about it.
It seems you are taking up multiple usernames. Tell me who you are so we can address this problem head on... be a solution not a problem
Vision of Faith staff
the above comment was from vision of faith staff... SO THEY CAN COVER UP THEIR MESS, , BEWARE OF VISION OF FAITH ... PLEASE DO YOURSELF A FAVOR STAY FROM THEM...NON PROFIT ORG .. DONT GO AROUND AND DO THIS KIND OF BUSINESS .. TEAMING UP W/ HPG AND MARISSA CUA ... WHAT A FAKE SET UP
I HEARD RISSA CUA OR MARISSA OF ANTIOCH CA .CUA JESS LIM GLENDALE OR LANCASTER CA . AND PHILLIP DIEP BAY AREA OAKLAND ARE LYING LOW SO THEY CAN BE UNDER THE RADAR OF THOSE SCAMSSSSS THAT BEEN HAPPENING AROUND THEM, , , , PLEASE STAY AWAY FROM THE DO YOURSELF A FAVOR
HERE WE GO AGAIN PHILIP DIEP IS SETTING UP NEW FAKE PROGRAM CALLED PRM (PEOPLE REGISTERED MOTHER ###ER) STAY AWAY W/ VISION OF FAKE I MEAN VSION OF FAITH THEY ARE SCAMMER TOO
I'm also a victim of Mr Jess Lim (jess@builder4u.us), Mr Michael J Reed, an atty out of Worcester, Mass et al! I paid $3, 750 to their partner company, WeXL, and never received any credit repair/restoration assistance since I joined in early Dec 2009.
My family is a victim too...please let me know how to get a refund back from HPG. I only want our money back.
HPG has done a number here in Chicago also. Willie Obando is the HPG director of the Chicagoland area. This man claims to be a Pastor, yet the company which he represents has taken my money and ran. I have repeatedly called him and his associates and got no reply. Since then "Pastor" Willie Obando has switch denominations to the Seventh-Day Adventist Church a new church group he can CON. DO NOT DO BUSINESS WITH THIS COMPANY OR " PASTOR " WILLIE OBANDO ! WARNING !