Century Legal Group

September 23, Dear [redacted] ***.This writing is in response to non-factual statements made by the above captioned complainant.1.Client states the following: “all of the attached files that you have forwarded to me is simply the relative paper work generated by them or was sent to them by me.” Client completely omits any reference to the signed agreement and any of the terms that he agreed toThe paper work client refers to we obtained by communicating with his lenderLet me remind everyone the terms and conditions client agreed to Page 3, Section bServices not covered by the retainer agreement Page 5, Section Fees are NOT refundablePage 5, Section Results are not guarantee Page 6, Section Confirmation of the agreementThe client not only agreed to these terms, but also confirmed his agreementThe agreement dictates the relationship between client and CLGClient further states that “I am not allowed a refund.” Absurd, client agreed to Fees Not Refundable, as stated aboveClient further states CLG breached the contractWe did not know that client was a judge, and adjudicated a case declaring CLG has breached a contractIt is abundantly clear that client blurts out non-evidenced statements, just emotional comments, that have no substance or credibility.We would have hoped that Revdex.com would have read the signed agreementCLG fells that we have responded with substance of factual evidence, and not non-factual, emotional statements.Respectfully, Frank L

May 18, Dear [redacted] ***:Enclosed please find a copy of the signed agreement between Century Legal Group (CLG) and [redacted] ***Please note the highlighted sections.Page 3, Section bServices not covered by the attorney retainer agreement Page 5, Section Legal fees are NOT refundable.Page 5, Section Results NOT guaranteed Page Section 11, Confirmation of agreement.Also enclosed is a copy of our computer record of communications between CLG and the client or the clients lenderThere are such recordings beginning on 2/26/up to and including 2/05/15.You will also find enclosed the following list of documents which were reviewed prior to the completion of the Forensic Review Report.Uniform residential loan application.Security Deed/ Mortgage NoteSettlement statementTruth in lending disclosure statementPlanned unit development riderIn addition enclosed is evidence of (copies of letters to client's lender) request for documents from the client's lender.We have also enclosed a copy of the Forensic Review ReportOn 4/24/a copy of the enclosed report was emailed and mailed to the clientIn conclusion it is abundantly clear that the clients complaint of not working on her case is frivolous and without meritBased upon the signed agreement and all of the enclosures it is quite obvious that due diligence and best efforts were performed by CLG on behalf of the client, along with a great deal of workWe would hope that our remittance receives the serious consideration it deservesRespectfully, Frank L

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: The email and communications that they provided from their system are not completeMultiple emails were missing Emails that I had originally sent to Terry M [redacted] because I didn't know who I was supposed to contact are missing These systems are only as accurate and as good as the person entering in the data I sent in the complete package that Century Legal Group required me to fill out and complete that day and the next day I then sent in all of the documents that I had available regarding the purchase of my house like they required All of the documents that they kept asking for were already sent in to their office multiple times(see attached) They claim there are no refunds The refund portion is requested because they failed to provide the service to me for which I paid forNot because the outcome was unfavorable (It is like me paying for a candybar and the store not giving it to me and making me leave the store and keeping my money.) The "no guarantee" portion of the contract provides that it does not "guarantee" a favorable outcome The negotiations were never handled by this business and they failed to provide any outcome whether "favorable" or "unfavorable" If the contract states that they do not "guarantee" that they will finish the job or service as they have promised and which was paid for then I would definately not recommend this firm to other consumers That is ridiculous They show in the very evidence that they provide that I had made a complaint when they called me wanting payment after the bank changed my debit card info due to stolen information within their system Even that person states that it is "unacceptable" and that I had made two payments and still had no contact with the law firm This is from their very own evidence which is provided by their system This tells anyone that I was obviously having a communication problem with their firm The firm didn't have any problem calling me once the payment was interrupted I got several calls regarding that I made a complaint three seperate times Once by phone when they called regarding payment, once to a manager on the phone and again a third time in an emailI made a phone complaint to one of their managers and told him verbally over the phone about the situation He was extremely rude and would barely let me talk Saying only that he would have to investigate the matter and would get back to me later I asked him at that time if I should just go ahead and work with the bank on my own and he told me that he couldn't advise me on that He said he would get back to me and I never heard from him againI can't be certain but I am pretty sure the individual I spoke with was Frank L [redacted] who also is the same individual who responded to the email complaint I am a simple consumer I do not have the resources to go back in and find and copy and attach all of my emails and any recorded phone calls and so forth to add as evidence All I have is my word and a few emails which I was able to attach to help prove that these incidences have occured I believe that I have been very honest and very fair regarding this whole thing I did not ask for a "full" refund I suggested a "partial" refund because I do see where they were in contact with the Lender and myself somewhat but still never got the information that I sent them to the Lender and kept requiring that I send it in again I also paid all of my debt to them on time and without incident except for the one time that the bank changed my debit information for which I can't be held accountable Although, I was having communication problems with them as is seen by their own evidence that they attached against me from their own system, I still went ahead and gave them the new debit information and continuted to pay them for their services as I had promised I would The bottom line for me as a paying consumer is that CENTURY LEGAL GROUP TOOK MONEY FROM ME FOR A SERVICE AND THEN THEY DID NOT PROVIDE THAT SERVICE TO ME If CENTURY LEGAL GROUP doesn't feel that I am owed a refund and doesn't honor the fact that they basically stole money from me then that is fine I have lost the money However, I would like to retain my complaint and list it where other consumers can see this argument and can then make an informed decision on their own whether or not they would like to take a chance on Century Legal Group to help them in their time of need and possibly lose their money as well They have that right Regards, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: Century Legal Group, in their online advertisement, state they will work for their clients toward avoiding foreclosure and try and work out an agreement between their clients (my wife and I) and the client's mortgage holder, (*** *** ***s and *** *** ***)I agree it is necessary to collect relative paperwork and put together the appropriate files, that goes without sayingBut the latter is ALL they did! All of the attached files that you have forwarded on to me is simply the relative paperwork generated by them or was sent to them by meBeyond that, there was no concernable effort made on our behalf by them to contact *** or *** to try and work out an agreeable settlement so as to avoid foreclosure, one that would allow us to retain out homeTherein lies the breach of contract for which I have filed this complaint
Once they collected the last installment of their $fee on April 04, 2014, there was no more contact made by them with me until I called them in JuneI spoke with the folks at *** in June prior to calling CLG and they confirmed they had NEVER had any contact with Century Legal Group on my behalf
So for Century Legal Group to say that I am not allowed a refund and state the reason for the denial is because "I did not get an outcome that was to my satisfaction" is totally unrelated to the fact that I AM due a refund because they breached the contract by not doing anything that can be even remotely viewed as trying to workout an agreement with *** or ***I am not the only one they have done this toThere are many others they have cheated in the same manner as well by collecting these fees and simply failing to make any attempt to secure a possible settlement, on behalf of their clients,with the mortgage holder(s), as they were obligated to doThe putting together of files and paperwork does NOT in no way complete their obligation to their clientsThis is simply organized fraud
Regards,
*** ***

May 1, 2014Dear *** ***Enclosed please find a copy of the signed agreement between CLG & *** ***, please note the highlighted sections.Page 3, Section bServices not covered by the retainer agreementPage 5, Section Fees are NOT refundable.Page 5, Section Results are
not guaranteed.Page 6, Section Confirmation of agreement.Also enclosed is a copy of our computer record keeping system, known as Our SXsystem evidences that multiple communications occurred between us, ***, and her lender.In addition, enclosed please find a copy of the Loan Audit Review Report that the client states was not preparedA copy of the report was mailed to the client on or about 11/16/13.You will find enclosed a copy of correspondence to ***s lender, requesting documents to complete the AuditEnclosed are the following documents which were reviewed in order to complete the Loan Audit Review Report.Uniform Residential Loan Application MortgageNotePlanned unit Development Rider Settlement Statement Truth in Lending Disclosure StatementIn conclusion, it is abundantly clear that the complaint of *** *** is frivolous and without meritIt is also monumentally obvious that in addition to a great deal of work that was performed best efforts and due diligence was also implementedAll of the aforementioned are factsPlease give this responsethe consideration it deserves.Respectfully,

September 23, 2014
Dear [redacted].This writing is in response to non-factual statements made by the above captioned complainant.1.Client states the following: “all of the attached files that you have forwarded to me is simply the relative paper work generated by them or was sent to them by me.” Client completely omits any reference to the signed agreement and any of the terms that he agreed to. The paper work client refers to we obtained by communicating with his lender. Let me remind everyone the terms and conditions client agreed to.
1. Page 3, Section b. Services not covered by the retainer agreement.
2. Page 5, Section 5. Fees are NOT refundable.3. Page 5, Section 6. Results are not guarantee.
4. Page 6, Section 11. Confirmation of the agreement.
The client not only agreed to these terms, but also confirmed his agreement. The agreement dictates the relationship between client and CLG. Client further states that “I am not allowed a refund.” Absurd, client agreed to Fees Not Refundable, as stated above. Client further states CLG breached the contract. We did not know that client was a judge, and adjudicated a case declaring CLG has breached a contract.
It is abundantly clear that client blurts out non-evidenced statements, just emotional comments, that have no substance or credibility.We would have hoped that Revdex.com would have read the signed agreement. CLG fells that we have responded with substance of factual evidence, and not non-factual, emotional statements.Respectfully,
Frank L

May 18, 2015
Dear [redacted]:Enclosed please find a copy of the signed agreement between Century Legal Group (CLG) and [redacted]. Please note the highlighted sections.Page 3,...

Section b. Services not covered by the attorney retainer agreement Page 5, Section 5. Legal fees are NOT refundable.Page 5, Section 6. Results NOT guaranteed Page 6. Section 11, Confirmation of agreement.Also enclosed is a copy of our computer record of communications between CLG and the client or the clients lender. There are 37 such recordings beginning on 2/26/14 up to and including 2/05/15.You will also find enclosed the following list of documents which were reviewed prior to the completion of the Forensic Review Report.Uniform residential loan application.Security Deed/ Mortgage NoteSettlement statementTruth in lending disclosure statementPlanned unit development riderIn addition enclosed is evidence of (copies of letters to client's lender) request for documents from the client's lender.We have also enclosed a copy of the Forensic Review Report. On 4/24/14 a copy of the enclosed report was emailed and mailed to the client.
In conclusion it is abundantly clear that the clients complaint of not working on her case is frivolous and without merit. Based upon the signed agreement and all of the enclosures it is quite obvious that due diligence and best efforts were performed by CLG on behalf of the client, along with a great deal of work.
We would hope that our remittance receives the serious consideration it deserves.
Respectfully,
Frank L

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
1.  The email and communications that they provided from their system are not complete. Multiple emails were missing.  Emails that I had originally sent to Terry M[redacted] because I didn't know who I was supposed to contact are missing.  These systems are only as accurate and as good as the person entering in the data.  I sent in the complete package that Century Legal Group required me to fill out and complete that day and the next day.  I then sent in all of the documents that I had available regarding the purchase of my house like they required.   All of the documents that they kept asking for were already sent in to their office multiple times. (see attached) 
2.  They claim there are no refunds.  The refund portion is requested because they failed to provide the service to me for which I paid for. Not because the outcome was unfavorable.  (It is like me paying for a candybar and the store not giving it to me and making me leave the store and keeping my money.) 
3.  The "no guarantee" portion of the contract provides that it does not "guarantee" a favorable outcome.  The negotiations were never handled by this business and they failed to provide any outcome whether "favorable" or "unfavorable". 
If the contract states that they do not "guarantee" that they will finish the job or service as they have promised and which was paid for then I would definately not recommend this firm to other consumers.  That is ridiculous. 
4.  They show in the very evidence that they provide that I had made a complaint when they called me wanting payment after the bank changed my debit card info due to stolen information within their system.  Even that person states that it is "unacceptable" and that I had made two payments and still had no contact with the law firm.  This is from their very own evidence which is provided by their system.  This tells anyone that I was obviously having a communication problem with their firm.  The firm didn't have any problem calling me once the payment was interrupted.  I got several calls regarding that.  I made a complaint three seperate times.  Once by phone when they called regarding payment, once to a manager on the phone and again a third time in an email.
I made a phone complaint to one of their managers and told him verbally over the phone about the situation.  He was extremely rude and would barely let me talk.  Saying only that he would have to investigate the matter and would get back to me later.  I asked him at that time if I should just go ahead and work with the bank on my own and he told me that he couldn't advise me on that.  He said he would get back to me and I never heard from him again. I can't be certain but I am pretty sure the individual I spoke with was Frank L[redacted] who also is the same individual who responded to the email complaint.
5.  I am a simple consumer.  I do not have the resources to go back in and find and copy and attach all of my emails and any recorded phone calls and so forth to add as evidence.  All I have is my word and a few emails which I was able to attach to help prove that these incidences have occured.  I believe that I have been very honest and very fair regarding this whole thing.  I did not ask for a "full" refund.   I suggested a "partial" refund because I do see where they were in contact with the Lender and myself somewhat but still never got the information that I sent them to the Lender and kept requiring that I send it in again. 
 I also paid all of my debt to them on time and without incident except for the one time that the bank changed my debit information for which I can't be held accountable.  Although, I was having communication problems with them as is seen by their own evidence that they attached against me from their own system, I still went ahead and gave them the new debit information and continuted to pay them for their services as I had promised I would.
6.  The bottom line for me as a paying consumer is that CENTURY LEGAL GROUP TOOK MONEY FROM ME FOR A SERVICE AND THEN THEY DID NOT PROVIDE THAT SERVICE TO ME. 
7.  If CENTURY LEGAL GROUP doesn't feel that I am owed a refund and doesn't honor the fact that they basically stole money from me then that is fine.  I have lost the money.  However, I would like to retain my complaint and list it where other consumers can see this argument and can then make an informed decision on their own whether or not they would like to take a chance on Century Legal Group to help them in their time of need and possibly lose their money as well.  They have that right. 
Regards,
[redacted]

September 3, 2014
Dear [redacted]:Enclosed please find a signed agreement between CLG and [redacted], please note the highlighted sections.Page 3, Section b. Services not covered by the retainer agreement.
Page 5, Section 5. Fees are NOT refundable.Page 5,...

Section 6. Results are not guaranteed.Page 6, Section 11. Confirmation of agreement. Also enclosed is a copy of computer record keeping system evidencing communication between us and the client and or his lender.In addition enclosed is a copy of the work and communication that our audit/analysis department performed, and copies of the audit/analysis communication with the client’s lender.Also enclosed is the Note Transfer Analysis we secured for the client, and a copy of same was mailed and emailed to [redacted]You will also find enclosed the below listed copies of the documents reviewed by our audit/analysis department prior to ordering the Note Transfer Analysis.1. Uniform residential Loan Application2. Mortgage3. Note4. Prepayment charge rider to note 5. Allonge to note
6. Settlement7. Truth-in-lending disclosure statement
8. Notice of right to cancel
9. Equal credit opportunity act
10. The housing financial discrimination act of 1977
In conclusion, it is abundantly clear that due diligence and best efforts were implemented by CLG on behalf of [redacted]. It is quite obvious that a great deal of work was completed by CLG, as evidenced by the enclosures.In any event the client provides nothing by way of acceptable evidence and frankly just blurts out an emotional commentary.Please review the enclosed, and give the response to complaint just consideration.Respectfully,
Frank L

May 18, 2015Dear [redacted]:Enclosed please find a copy of the signed agreement between Century Legal Group (CLG) and [redacted]. Please note the highlighted sections.Page 3, Section b. Services not covered by the attorney retainer agreement Page 5, Section 5. Legal fees are NOT refundable.Page 5,...

Section 6. Results NOT guaranteed Page 6. Section 11, Confirmation of agreement.Also enclosed is a copy of our computer record of communications between CLG and the client or the clients lender. There are 37 such recordings beginning on 2/26/14 up to and including 2/05/15.You will also find enclosed the following list of documents which were reviewed prior to the completion of the Forensic Review Report.Uniform residential loan application.Security Deed/ Mortgage NoteSettlement statementTruth in lending disclosure statementPlanned unit development riderIn addition enclosed is evidence of (copies of letters to client's lender) request for documents from the client's lender.We have also enclosed a copy of the Forensic Review Report. On 4/24/14 a copy of the enclosed report was emailed and mailed to the client.In conclusion it is abundantly clear that the clients complaint of not working on her case is frivolous and without merit. Based upon the signed agreement and all of the enclosures it is quite obvious that due diligence and best efforts were performed by CLG on behalf of the client, along with a great deal of work.We would hope that our remittance receives the serious consideration it deserves.Respectfully,Frank L