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Scam: #4060

Scam Alert

Business

  • Posted By: Anonymous
  • Submitted: 10/18/2011
  • Severity: 9
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Bill me later

Loan Modification Alert

Us, California

Thanks the Law Abiding Citizen to post the following scam alert online at http://www.whoscammedyou.com/scams/3636/Bill_me_later

The First Capital (Law) & Associates charges upfront fees for loan modification, no refund. Initial ad fly used a different company's name instead of its own. The company name on the contract was particularly faded out in printing. No lawyers in the company but lied about it in the beginning. They hired a HUD counsoler once upon a time but the communication was poor. Loan modification was a mess. Since this company is new and moved once in Hayward, not much info was posted online for reviews. Wonder there are more victims from this company. Any suggestions for what to do with it or who may help?


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

http://www.firstcapitalandassociates.com/


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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  • 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
  • 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!

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

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
Repost:

Law Abiding Citizen - GOT SCAMMED

Submitted: 02/29/2012


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!
I don't know what created all this negativity because I have never worked with anyone as wonderful as Connie Crane in my life. That woman worked tirelessly for all her clients and I don't think she ever lost a house. I know she didn't lose mine,nor did she lose any of the referrals I sent her either. She was the kindest, nicest most caring human being I have ever meant. And I'm not the only person who praises her. She ran a very legitimate business. Screw all you jealous people. Yournothing but liars trying to ruin another good person.

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