Pacific National Law Center

Dear Revdex.com, We are in receipt of consumer complaint ID [redacted] , and hereby submit our responseIn short, this complaint is baseless and we believe that unfortunately this client is filing a complaint with the Revdex.com in order to coerce our firm into refunding fees paid for services already rendered, because they are not happy with the outcome of their case We respond to the complaint point by point as follows: Client retained our services in late May 2013, after admittedly having difficulty working out a resolution directly with their lender Client's case was accepted based on preliminary information providedNumerous documents were required from client in order to fully verify the information provided, assess, review, and prepare the file for submission to lender, including bank statements, tax returns, letter of hardship, etc Client was given only an estimate of the time the process would take, as there is no possible way to know exactly how long it will take for a lender to respondWe always try our best to expedite the process by contacting the lenders on a regular basis Client was not promised that he would get the majority of his money back if his case was deniedWe do not, and legally cannot promise results, and this was not a contingency case where our fees would be taken from a settlementThe fees are for services rendered, and as in any adversarial case, the outcome cannot be predicted or controlled The client had the opportunity to cancel the service and receive a full refund within business days of retaining our services We fully serviced this client, and did our best, as in every other case, to get a positive resultUnfortunately, sometimes we are not able to achieve the desired outcomeThis is not because of a lack of effort or non-performance, but because of the specifics of a case and the response from the opposing partyThe client, as all clients are, was notified, both verbally and through a retainer that he signed, that we could not promise any particular result and that there was no guarantee of a positive outcomeA decision by the lender is made after submission of a full file and required follow-upsThe negative result is not something that could have been foreseen ahead of time Client was also notified that the fees were for services rendered, and that many hours of work would be put into the fileThe flat fee that the client was quoted was beneficial to him because if charged our regular hourly fees, the final cost would be much higherThe fee paid was placed in a trust account for the client's assurance, and our fees were deducted as the work was completedOur firm would, without hesitation, provide a refund to this or any other client, if there was a lack of effort or non-performance of our dutiesThis file was fully serviced, all work was completed, and the fee paid by the client was fully exhausted Client states that we were not in contact with client in regards to the status of his caseAccording to our records, and per procedure, the client was contacted with all updates by our office In addition to an attorney, a paralegal is assigned to each client and is in constant communication with the client, from intake to completion in order to be more familiar with a case and also to establish a more comfortable relationship with the clientsThe attorney, paralegal, and other staff at the firm can be reached by phone and email every weekday, and if an attorney or paralegal working on a particular case is unable to provide an immediate response, other members of our staff are available for more immediate assistanceAs the attorneys and paralegals are working on several files, they are not always available for an immediate response, but do respond within hours and no later than hours later Client further states that this is their second complaint to the Revdex.com and that they have seen other complaints about our firm on the internet We believe that we are being confused with another law firm with a similar name This matter has actually been brought to our attention by other clientsApparently a law firm with a similar name existed in San Diego, California, and they indeed had caused problems for some unfortunate clientsWe are not that law firm, which we believe was called Pacific Law Firm or another name similar to oursWe have never had any complaints filed against us with the Revdex.com, and this is the first Revdex.com complaint we have received in regards to this client Client states in their desired settlement that a full refund is requested because their time was wasted and that they could have possibly lost their homeOur services were voluntarily retained by the client in order to attempt to achieve a result, and the time which passed was not wasted, but rather needed in order to work on the case Furthermore, the claim that the client could have possibly lost their home is simply not true We are including the documents in the client's file in order to show that services were indeed provided to this clientThese documents were also always available to the client upon request, but as you will see by reviewing the documents, it is rather burdensome and unnecessary to send such documents to clients, as most are forms and letters of correspondence with the lenders or documents provided by the clients themselves We will be glad to contact the client again and explain everything as explained here in order to satisfy the client and the Revdex.comWe very much care about clients and our reputationHowever we do not believe this to be a legitimate complaint, but rather an attempt to recover some of the money spent for our servicesPlease let us know if further information can be provided in order to resolve this dispute Please Note: The attached documents contain confidential information regarding the client's case and should not be made public or shared with anyone outside the Revdex.com and are only being provided to you for the purpose of showing that the client's file was fully processed

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution. Please respond in this space ONLY]
Regards,
[redacted]
 
Greetings,
I must say PNLC responded to you quickly we never received that kind of response. We never spoke to an attorney or a para legal. Just a secretary named [redacted].
Take a look at the website   [redacted]   It states it's a six month process..  May - Nov we called in Nov again, hoping to complete the process before Christmas they once again appeased us . We spoke to Wells Fargo on several occasions. They were calling us to if we could get a better interest rate and they stated they knew nothing of PNLC until Mid December. We know you can't make them pays us back. But we want this to go  on record as a SCAM! That's exactly what it is
 
I have sent a list of emails when received from A [redacted] with ToplineLegal. Once we paid in full we never heard from him again. This is how they protect themselves.  TopLineLegal collects the money and PNLC supposubly does the work. It makes it hard to track who's actually working on the case. We asked for many written updates, a letter from the attorney that he is working on our case. We never had the opportunity to speak with an attorney or a para legal, just a secretary for the para legal.  The problem I have is while they were collecting the money, they harrassed us almost daily for final payment. We told them we want some written results before we pay in full. [redacted] stated that if we don't pay in full , the firm will not finish the case. So we complied paid in full. The only time we heard from PNLC was when we called can complained about not receiving any information of details of the case.  It seems they forgot about us for 2 months and finally they had a lady name [redacted] who basically appease us until the check cleared. Then she gave us the name and number from an associate at Wells Fargo. I'm not sure why because we paid them to go in and fight for us.    Were's the lawsuit they promise to go after the lender. As soon as the lender rejected the offer. We never heard from the law firm again. We never received any information about the case.  I sent an email, made several phone calls. No one would return or calls or emails.   Its hard to prove that a law firm has scammed you. But thats exactly what they did. Yes we signed a retainer but all they did was put us in touch with a Wells Fargo Rep and we had already done that ourselves 2 years ago.  What are the results of the lawsuit and the case. I find it odd that we never received any information about finalizing the case.  Once we were rejected we never to this day heard from the law firm again.  No letter saying this is the outcome of the case, what are our next options nothing.  This is why we are requesting a full refund, they never gave us any written information about our case. Just took our money, wasted our time and could possibly lose our home.  The biggest thing is we could have used other measures if this is all they were going to do for us. Definately not worth $3400.00.
 
We are still paying 6.125 % on 889.000 residence that's worth about 680,000. Initially we were told that anything over 5 % is considered preditory by the government by a lady named [redacted]
Greetings Mr. and Mrs. [redacted],
I hope all is well. Just a courtesy email informing you that Accounting has received your payment and your loan modification process is going well. Thank you for your time and cooperation. Have a great day!
  Best regards,
[redacted]Loss Mitigation Services / Pacific National Law Ceneter
In association with Topline Legal Services
[redacted]
v

[redacted]Greetings Mr. and Mrs. [redacted], I hope all is well and thank you for your response. We will follow up as soon as payment arrives. Also, it should take the Law Firm at least 30-45 days to finalize this modification. We are very close and will have positive
To Me


Jul 20, 2013
Greetings Mr. and Mrs. [redacted],
I hope all is well and thank you for your response. We will follow up as soon as payment arrives. Also, it should take the Law Firm at least 30-45 days to finalize this modification. We are very close and will have positive results for you. Your file is to far in the process for me to actually give you a direct update, it's with the negotiating department. Please contact your legal team for a direct update at [redacted] Thank you!  --------------We did not reach the legal team until late October
--
 
Best regards,
 
[redacted]Loss Mitigation Services / Topline Legal Services

[redacted]

[redacted]Greetings Mr. and Mrs. [redacted], I hope all is well and thank you for your response. We will follow up as soon as payment arrives. Also, it should take the Law Firm at least 30-45 days to finalize this modification. We are very close and will have positive
To Me

Jul 20, 2013
Greetings Mr. and Mrs. [redacted],
I hope all is well and thank you for your response. We will follow up as soon as payment arrives. Also, it should take the Law Firm at least 30-45 days to finalize this modification. We are very close and will have positive results for you. Your file is to far in the process for me to actually give you a direct update, it's with the negotiating department. Please contact your legal team for a direct update at [redacted]. Thank you!
--
 
Best regards,
 
[redacted]Loss Mitigation Services / Topline Legal Services

[redacted]
Good afternoon Mr. and Mrs. [redacted],

I hope you are doing well and also hope you had a happy Fourth of July. Your Loan Modification is going well and in phase two of the process. As you may know there has been a significant amount of work done on your file. My accounting department has notified me of your last installment with the Law Firm. Please make deposit into the Client Trust Account set up with Chase Bank (Account #:[redacted]), fax me a copy of your payment receipt so I may keep aside for Compliance reasons. If you have any questions or concerns, feel free to contact me directly. Thank you and have a great day!

Best regards,

[redacted]Legal Assistant / Pacific National Law Center
in association with Topline Legal Services
Good afternoon Mr. and Mrs. [redacted],

I hope you are doing well and also hope you had a happy Fourth of July. Your Loan Modification is going well and in phase two of the process. As you may know there has been a significant amount of work done on your file. My accounting department has notified me of your last installment with the Law Firm. Please make deposit into the Client Trust Account set up with Chase Bank (Account #:[redacted]), fax me a copy of your payment receipt so I may keep aside for Compliance reasons. If you have any questions or concerns, feel free to contact me directly. Thank you and have a great day!

Best regards,

[redacted]Legal Assistant / Pacific National Law Center
in association with Topline Legal Services

Dear Revdex.com,
We are in receipt of consumer complaint ID [redacted], and
hereby submit our response. In short, this complaint is baseless and we believe
that unfortunately this client is filing a complaint with the Revdex.com in order to
coerce our firm into refunding fees paid for services already rendered, because
they are not happy with the outcome of their case.  
We respond to the complaint point by point as follows:
Client retained our services in late May 2013, after admittedly
having difficulty working out a resolution directly with their lender.  Client's case was accepted based on
preliminary information provided. Numerous documents were required from client
in order to fully verify the information provided, assess, review, and prepare
the file for submission to lender, including bank statements, tax returns,
letter of hardship, etc.  
Client was given only an estimate of the time the process
would take, as there is no possible way to know exactly how long it will take
for a lender to respond. We always try our best to expedite the process by
contacting the lenders on a regular basis.
Client was not promised that he would get the majority of
his money back if his case was denied. We do not, and legally cannot promise
results, and this was not a contingency case where our fees would be taken from
a settlement. The fees are for services rendered, and as in any adversarial
case, the outcome cannot be predicted or controlled.  The client had the opportunity to cancel the
service and receive a full refund within 5 business days of retaining our
services.  
We fully serviced this client, and did our best, as in every
other case, to get a positive result. Unfortunately, sometimes we are not able
to achieve the desired outcome. This is not because of a lack of effort or
non-performance, but because of the specifics of a case and the response from
the opposing party. The client, as all clients are, was notified, both verbally
and through a retainer that he signed, that we could not promise any particular
result and that there was no guarantee of a positive outcome. A decision by the
lender is made after submission of a full file and required follow-ups. The
negative result is not something that could have been foreseen ahead of time.
Client was also notified that the fees were for services
rendered, and that many hours of work would be put into the file. The flat fee
that the client was quoted was beneficial to him because if charged our regular
hourly fees, the final cost would be much higher. The fee paid was placed in a
trust account for the client's assurance, and our fees were deducted as the
work was completed. Our firm would, without hesitation, provide a refund to this
or any other client, if there was a lack of effort or non-performance of our
duties. This file was fully serviced, all work was completed, and the fee paid
by the client was fully exhausted.
Client states that we were not in contact with client in
regards to the status of his case. According to our records, and per procedure,
the client was contacted with all updates by our office.  In addition to an attorney, a paralegal is
assigned to each client and is in constant communication with the client, from
intake to completion in order to be more familiar with a case and also to
establish a more comfortable relationship with the clients. The attorney,
paralegal, and other staff at the firm can be reached by phone and email every
weekday, and if an attorney or paralegal working on a particular case is unable
to provide an immediate response, other members of our staff are available for
more immediate assistance. As the attorneys and paralegals are working on
several files, they are not always available for an immediate response, but do
respond within hours and no later than 24 hours later.
Client further states that this is their second complaint to
the Revdex.com and that they have seen other complaints about our firm on the internet.
We believe that we are being confused with another law firm with a similar
name.  This matter has actually been
brought to our attention by other clients. Apparently a law firm with a similar
name existed in San Diego, California, and they indeed had caused problems for
some unfortunate clients. We are not that law firm, which we believe was called
Pacific Law Firm or another name similar to ours. We have never had any
complaints filed against us with the Revdex.com, and this is the first Revdex.com complaint we
have received in regards to this client.
Client states in their desired settlement that a full refund
is requested because their time was wasted and that they could have possibly
lost their home. Our services were voluntarily retained by the client in order
to attempt to achieve a result, and the time which passed was not wasted, but
rather needed in order to work on the case.  Furthermore, the claim that the client could
have possibly lost their home is simply not true.  
We are including the documents in the client's file in order
to show that services were indeed provided to this client. These documents were
also always available to the client upon request, but as you will see by
reviewing the documents, it is rather burdensome and unnecessary to send such
documents to clients, as most are forms and letters of correspondence with the
lenders or documents provided by the clients themselves.  
We will be glad to contact the client again and explain
everything as explained here in order to satisfy the client and the Revdex.com. We very much care
about clients and our reputation. However we do not believe this to be a legitimate
complaint, but rather an attempt to recover some of the money spent for our
services. Please let us know if further information can be provided in order to
resolve this dispute.  
Please Note: The attached documents contain confidential information regarding the client's case and should not be made public or shared with anyone outside the Revdex.com and are only being provided to you for the purpose of showing that the client's file was fully processed.

Review: [redacted] from Direct Referral Center referred a scam company known as "Pacific National Law Center" and stated that I would not qualify for a refinance, but that the law firm would qualify me for a modification. I paid the retainer of $2,495 but PNLC never allowed me to speak with an attorney and never represented me for a loan modification. The law firm and [redacted] have now changed all of their aliases and phone numbers so there is no way to get a refund or status.

The previous contact information and address provided of the representative that took my money without providing service is: [redacted], Paralegal

Processing Department

Pacific National Law Center

2102 Business Center Dr., Suite 130

Irvine, CA 92612

Direct - [redacted] The email address of the company is: [redacted] and [redacted]Desired Settlement: Because no service was supplied and no response was given on my case, and the company is no longer contactable, I am requesting a full refund of $2,495.

Review: I received an advertisement from Pacific National Law Center in early 2013 because I was behind in my mortgage. I contacted them and they assured me they would do all they could to keep me in my home AND lower my mortgage rate and monthly payments. After complying with all they asked of me; sending copies of tax returns, paycheck stubs, credit/liability worksheets, numerous documents to be filled out and notarized along with $2600.00 in closing costs and processing/filing fees, my mortgage interest increased as well as my monthly payment! I called PNLC and complained and was referred to a manager, [redacted], who assured me that the person who originally handled my case, had been fired. I also forwarded him all corresponding emails to which he promised he would examine my file and 'get back to me.' It has been since November 2013, that Mr. [redacted] promised me that PNLC would resubmit my modification to Bank of America or issue me a full refund. To date, I have contacted him numerous times via email and phone calls to no avail. I still have not heard back from him. I cannot believe that companies like this are allowed to remain open and basically steal from the very people that they claim to want to help!!!Desired Settlement: I would love to see this company closed for false advertising and breech of contract. I have all emails and signed documents that show exactly what I was guaranteed and they did not fulfill their part of the contract. At this point, I am locked into a mortgage with a higher interest rate and monthly payment then when I started the modification process. I want a full refund and should receive additional compensation.

Review: Company promised to negotiate home mortgage loan modification with loan servicer [redacted] and lender represented by [redacted] after being paid over $*K in fees up front failed to provided contractual services and honor contract and agreement. Then advised consumer to stop making monthly mortgage payments resulting in damages: short sale, deed in lieu of foreclosure and/or foreclosure (all pending still). Consumer (us) are now too far behind on payments to catch up on them and as a result are losing our primary family home after investing over $[redacted]K in it since June 2006.Desired Settlement: A full refund of all money paid is requested immediately (over $*K - proof from checking account and/or credit card statements). In addition, damages will be brought against company in follow-on legal proceedings pending at this time.

Review: Greetings - We hired Pacific National Law Center for a flat fee of 3400.00 to assist us with Modifying our current 6.125% Interate on a home purchase in 2005 for 889,000 the home has lost value as many have. The current market value is 680,000. We have little luck trying to work our situation out with the lender because we never missed any payments. We hired PNLC at the time they were supposed to be the best at refinance mitigation. We searched the Revdex.com and other sites and found no negetive complaints we started May of 2013. PNLC stated it was a 6 month process and if we are denied we get back the majority of our money minus explainable expenses. Once our lender denied our clam We have not heard from PNLC. They demanded the money upfront and we paid the 3400.00. They were working with a firm called TopLine Legal services. The people at TopLine demanded payment or the Law firm would not complete our case. We paid in full and only heard from the law when we demanded a call back. They never provided us with any documents about our case. They made us many promises in the beginning and we received absolutely nothing. They told us our case is going well and they did not see any obstacles with our case. This is our 2nd complaint to the Revdex.com. Now we see all over the internet complaints about this law firm.Desired Settlement: The law firm breached the contract - we request full refund plus punitive damages for taking our money wasting our time and causing us to possibly lose our home.They wasted a year of our time. Now we have to research other avenues to have this issue resolved. Can you recommend a worthy Refinance Mitigation Expert?

Business

Response:

Dear Revdex.com,

We are in receipt of consumer complaint ID [redacted], and

hereby submit our response. In short, this complaint is baseless and we believe

that unfortunately this client is filing a complaint with the Revdex.com in order to

coerce our firm into refunding fees paid for services already rendered, because

they are not happy with the outcome of their case.

We respond to the complaint point by point as follows:

Client retained our services in late May 2013, after admittedly

having difficulty working out a resolution directly with their lender. Client's case was accepted based on

preliminary information provided. Numerous documents were required from client

in order to fully verify the information provided, assess, review, and prepare

the file for submission to lender, including bank statements, tax returns,

letter of hardship, etc.

Client was given only an estimate of the time the process

would take, as there is no possible way to know exactly how long it will take

for a lender to respond. We always try our best to expedite the process by

contacting the lenders on a regular basis.

Client was not promised that he would get the majority of

his money back if his case was denied. We do not, and legally cannot promise

results, and this was not a contingency case where our fees would be taken from

a settlement. The fees are for services rendered, and as in any adversarial

case, the outcome cannot be predicted or controlled. The client had the opportunity to cancel the

service and receive a full refund within 5 business days of retaining our

services.

We fully serviced this client, and did our best, as in every

other case, to get a positive result. Unfortunately, sometimes we are not able

to achieve the desired outcome. This is not because of a lack of effort or

non-performance, but because of the specifics of a case and the response from

the opposing party. The client, as all clients are, was notified, both verbally

and through a retainer that he signed, that we could not promise any particular

result and that there was no guarantee of a positive outcome. A decision by the

lender is made after submission of a full file and required follow-ups. The

negative result is not something that could have been foreseen ahead of time.

Client was also notified that the fees were for services

rendered, and that many hours of work would be put into the file. The flat fee

that the client was quoted was beneficial to him because if charged our regular

hourly fees, the final cost would be much higher. The fee paid was placed in a

trust account for the client's assurance, and our fees were deducted as the

work was completed. Our firm would, without hesitation, provide a refund to this

or any other client, if there was a lack of effort or non-performance of our

duties. This file was fully serviced, all work was completed, and the fee paid

by the client was fully exhausted.

Client states that we were not in contact with client in

regards to the status of his case. According to our records, and per procedure,

the client was contacted with all updates by our office. In addition to an attorney, a paralegal is

assigned to each client and is in constant communication with the client, from

intake to completion in order to be more familiar with a case and also to

establish a more comfortable relationship with the clients. The attorney,

paralegal, and other staff at the firm can be reached by phone and email every

weekday, and if an attorney or paralegal working on a particular case is unable

to provide an immediate response, other members of our staff are available for

more immediate assistance. As the attorneys and paralegals are working on

several files, they are not always available for an immediate response, but do

respond within hours and no later than 24 hours later.

Client further states that this is their second complaint to

the Revdex.com and that they have seen other complaints about our firm on the internet.

We believe that we are being confused with another law firm with a similar

name. This matter has actually been

brought to our attention by other clients. Apparently a law firm with a similar

name existed in San Diego, California, and they indeed had caused problems for

some unfortunate clients. We are not that law firm, which we believe was called

Pacific Law Firm or another name similar to ours. We have never had any

complaints filed against us with the Revdex.com, and this is the first Revdex.com complaint we

have received in regards to this client.

Client states in their desired settlement that a full refund

is requested because their time was wasted and that they could have possibly

lost their home. Our services were voluntarily retained by the client in order

to attempt to achieve a result, and the time which passed was not wasted, but

rather needed in order to work on the case. Furthermore, the claim that the client could

have possibly lost their home is simply not true.

We are including the documents in the client's file in order

to show that services were indeed provided to this client. These documents were

also always available to the client upon request, but as you will see by

reviewing the documents, it is rather burdensome and unnecessary to send such

documents to clients, as most are forms and letters of correspondence with the

lenders or documents provided by the clients themselves.

We will be glad to contact the client again and explain

everything as explained here in order to satisfy the client and the Revdex.com. We very much care

about clients and our reputation. However we do not believe this to be a legitimate

complaint, but rather an attempt to recover some of the money spent for our

services. Please let us know if further information can be provided in order to

resolve this dispute.

Please Note: The attached documents contain confidential information regarding the client's case and should not be made public or shared with anyone outside the Revdex.com and are only being provided to you for the purpose of showing that the client's file was fully processed.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution. Please respond in this space ONLY]

Regards,

Greetings,

I must say PNLC responded to you quickly we never received that kind of response. We never spoke to an attorney or a para legal. Just a secretary named [redacted].

Take a look at the website [redacted] It states it's a six month process.. May - Nov we called in Nov again, hoping to complete the process before Christmas they once again appeased us . We spoke to Wells Fargo on several occasions. They were calling us to if we could get a better interest rate and they stated they knew nothing of PNLC until Mid December. We know you can't make them pays us back. But we want this to go on record as a SCAM! That's exactly what it is

I have sent a list of emails when received from A [redacted] with ToplineLegal. Once we paid in full we never heard from him again. This is how they protect themselves. TopLineLegal collects the money and PNLC supposubly does the work. It makes it hard to track who's actually working on the case. We asked for many written updates, a letter from the attorney that he is working on our case. We never had the opportunity to speak with an attorney or a para legal, just a secretary for the para legal. The problem I have is while they were collecting the money, they harrassed us almost daily for final payment. We told them we want some written results before we pay in full. [redacted] stated that if we don't pay in full , the firm will not finish the case. So we complied paid in full. The only time we heard from PNLC was when we called can complained about not receiving any information of details of the case. It seems they forgot about us for 2 months and finally they had a lady name [redacted] who basically appease us until the check cleared. Then she gave us the name and number from an associate at Wells Fargo. I'm not sure why because we paid them to go in and fight for us. Were's the lawsuit they promise to go after the lender. As soon as the lender rejected the offer. We never heard from the law firm again. We never received any information about the case. I sent an email, made several phone calls. No one would return or calls or emails. Its hard to prove that a law firm has scammed you. But thats exactly what they did. Yes we signed a retainer but all they did was put us in touch with a Wells Fargo Rep and we had already done that ourselves 2 years ago. What are the results of the lawsuit and the case. I find it odd that we never received any information about finalizing the case. Once we were rejected we never to this day heard from the law firm again. No letter saying this is the outcome of the case, what are our next options nothing. This is why we are requesting a full refund, they never gave us any written information about our case. Just took our money, wasted our time and could possibly lose our home. The biggest thing is we could have used other measures if this is all they were going to do for us. Definately not worth $3400.00.

We are still paying 6.125 % on 889.000 residence that's worth about 680,000. Initially we were told that anything over 5 % is considered preditory by the government by a lady named [redacted]

Greetings Mr. and Mrs. [redacted],

I hope all is well. Just a courtesy email informing you that Accounting has received your payment and your loan modification process is going well. Thank you for your time and cooperation. Have a great day!

Best regards,

Loss Mitigation Services / Pacific National Law Ceneter

In association with Topline Legal Services

v