Civic Financial Services Review

The lender collected extension fees twice totaling over $14,000 and on top of that charged us another $31,450.42 in default interest. | On the servicer’s recorded line with the banks representative they both assured me when I was bringing the account current they were stopping and I presume to remove the default charges based on the payment and extension fees. | We highly suspect the classic mortgage fraud, attempting to strip us of our equity knowing all along that we had a rehab holdback credit coming back. It’s bad enough that we paid interest on that and never used it | I was told by an attorney that they are violating a) California UCL, b) Business Practices, c) California usury law, d) Regulation Z and e) probably Dodd-Frank. | I’m seeking your assistance to resolve this matter. Without having to hire an attorney, which will save me time and money. We’ve attempted to resolve by emailing them plus asking on the phone. | We refi’d the property and the payoff statement showed $31,450.42 in Default Interest Deferred. They later revised that down to $20,908.34 after our mortgage broker and escrow raised questions concerning the amount, validity and legality of their high “default interest” charges. We suspect they reduced the amount by $10,000 hoping to placate us. We’re not the “go-away” type on $20,000! | Especially when we’ve already paid them over $135,000 in interest and fees on an 8.5% loan and they’re trying to steal another $20,000 on top of it. | We’re looking for someone to help us file a complaint about the return of the $20,908.34 plus interest, costs, penalties, and damages. Clearly, these are really bad people the world would be better without. If they were in the right, how come magically $10,000 was taken off or went away?


Name: Civic Financial Services

Country: United States

State: California

City: Redondo Beach

Address: 2015 Manhattan Beach Blvd

Phone: 877-472-4842


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