Unfortunately, there is nothing further that we can offer this client What he is asking for is against regulationsOur other offer stands, however if this is not accepted, there is nothing further we can do
Wow is all I can say! Seckel Capital were phenomenalVery professional, very knowledgeable and trustworthyThey kept us up informed every step of the way They came through with every promise they madeWe got an amazing low rate and the closing was super fast and convenient in our own home! The closing agent was amazing and extremely pleasantHe made the closing process fun instead of boringWe could not be happier with the service we received from Seckel Capital! Highly recommend them to anyone who is looking to refinance or purchase their homeThey are awesomeWill definitely recommend them to our friends and family
[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:
This is an unacceptable solutionI was promised by *** *** prior to closing that Seckel Capital would match the competitor's quote as soon as we got the clear to closeI was promised this, and I continued to do business with them because of this promiseIf not for the promise Seckel made me I would have changed lenders to the one who was offering the better rate
Regards,
*** ***
We have conducted a full investigation with regards to *** ***'s claims The competitive match and GFE is done prior to application, not prior to closing Prior to closing we make every attempt to float our clients down to the best interest rate available that is also available to
Seckel capital, and at the time *** *** was receiving the best rate availableOut of good faith and customer service, we are able to refinance *** *** into his desired rate of 4.25% with no cost to him If he wishes to take Seckel Capital up on this offer, please contact *[email protected],
The Seckel Capital Team
This message is in regard to your complaint submitted on 8/12/2015 3:00:39 PM against Seckel Capital, LLC. Your complaint was assigned ID [redacted].We need you to provide some additional information. Please respond to the following points:
May I please have more than 5 days? This is a lot of paperwork to organize --- 2 loans and hundreds of emails.
> Please provide an update. Has the loan been completed? If not, what is the status? Neither of the loans was completed because Seckel would only close a package deal. One of the loans was not worth doing, but I was willing to do it if the terms overall would be favorable. But the terms kept changing, and I did my best to determine if each deal offered was in my best interest. At issue were origination fees, appraisals and escrow accounts. I would not sign papers without having read the HUD statement first. In the end, they sent a closer without giving me time to study the HUD --- I was at work!
This has gone on so long -- nearly a year. If they would agree to the same deal today as I their January HUD, I would sign the terms and be a happy camper.
>Please provide copy of pertinent documents. As I asked above, I will to do this but it will take time.
>Have you filed with any governmental agency? No, but I have been talking to a lawyer about a lawsuit. If this "friendly" method doesn't work, that seems to be my only recourse.
>Who did you pay for the appraisal? I paid Universal Real Estate in Clifton Heights, PA. They charged $975 for 2 appraisals which were supposed to cost $820.Please return this information by within 5 days of receipt of this notice. If you should have any questions or don't have the documentation, please let us know. Please attach the requested documentation within the complaint portal, or email to [email protected] or fax to [redacted]. Thank you for your assistance in this matter.
Our policy with regards to a refund on a withdrawn loan is
to calculate funds spent on services rendered, and to issue the refund on the
remaining unspent funds. This is despite
the documentation signed by your client stating that the $1995 fee was non-refundable
for a...
withdrawn loan. In the case of
your client, Seckel Capital is quite in the negative after applying the $1995
application fee. We did not charge your
client for the services ordered of the appraisals, and therefore, due to
Federal compliance, unable to issue credit for appraisals. Any questions relating to these charges
should be directed towards the vendor whose contact information is on the
appraisals themselves. We disagree with your client’s opinion of the actual
facts during her refinance application.
In fact, these events cost Seckel Capital a very material loss including
several lock extension under the verbal agreement that these loans would be
executed. Lastly, after sending this matter to our
attorneys for review, the way we handled the loan(s) of [redacted] was 100%
within compliance of all state and federal law and regulation. That said, we do sympathize with [redacted],
the experience she felt she received, and as a result we offered credits to her
loan in excess of $3,000 to pay for the closing costs in order to improve her
customer satisfaction. Unfortunately our
offer was turned down as we feel that we have done all that we can do, in order
to ease her concerns.
Thank
you for your assistance.
The Seckel Capital Team.
Unfortunately, there is nothing further that we can offer this client. What he is asking for is against regulations.
Our other offer stands, however if this is not accepted, there is nothing further we can do.
Unfortunately, there is nothing further that we can offer this client What he is asking for is against regulationsOur other offer stands, however if this is not accepted, there is nothing further we can do
Wow is all I can say! Seckel Capital were phenomenalVery professional, very knowledgeable and trustworthyThey kept us up informed every step of the way They came through with every promise they madeWe got an amazing low rate and the closing was super fast and convenient in our own home! The closing agent was amazing and extremely pleasantHe made the closing process fun instead of boringWe could not be happier with the service we received from Seckel Capital! Highly recommend them to anyone who is looking to refinance or purchase their homeThey are awesomeWill definitely recommend them to our friends and family
[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:
This is an unacceptable solutionI was promised by *** *** prior to closing that Seckel Capital would match the competitor's quote as soon as we got the clear to closeI was promised this, and I continued to do business with them because of this promiseIf not for the promise Seckel made me I would have changed lenders to the one who was offering the better rate
Regards,
*** ***
We have conducted a full investigation with regards to *** ***'s claims The competitive match and GFE is done prior to application, not prior to closing Prior to closing we make every attempt to float our clients down to the best interest rate available that is also available to
Seckel capital, and at the time *** *** was receiving the best rate availableOut of good faith and customer service, we are able to refinance *** *** into his desired rate of 4.25% with no cost to him If he wishes to take Seckel Capital up on this offer, please contact *[email protected],
The Seckel Capital Team
This message is in regard to your complaint submitted on 8/12/2015 3:00:39 PM against Seckel Capital, LLC. Your complaint was assigned ID [redacted].We need you to provide some additional information. Please respond to the following points:
May I please have more than 5 days? This is a lot of paperwork to organize --- 2 loans and hundreds of emails.
> Please provide an update. Has the loan been completed? If not, what is the status? Neither of the loans was completed because Seckel would only close a package deal. One of the loans was not worth doing, but I was willing to do it if the terms overall would be favorable. But the terms kept changing, and I did my best to determine if each deal offered was in my best interest. At issue were origination fees, appraisals and escrow accounts. I would not sign papers without having read the HUD statement first. In the end, they sent a closer without giving me time to study the HUD --- I was at work!
This has gone on so long -- nearly a year. If they would agree to the same deal today as I their January HUD, I would sign the terms and be a happy camper.
>Please provide copy of pertinent documents. As I asked above, I will to do this but it will take time.
>Have you filed with any governmental agency? No, but I have been talking to a lawyer about a lawsuit. If this "friendly" method doesn't work, that seems to be my only recourse.
>Who did you pay for the appraisal? I paid Universal Real Estate in Clifton Heights, PA. They charged $975 for 2 appraisals which were supposed to cost $820.Please return this information by within 5 days of receipt of this notice. If you should have any questions or don't have the documentation, please let us know. Please attach the requested documentation within the complaint portal, or email to [email protected] or fax to [redacted]. Thank you for your assistance in this matter.
Our policy with regards to a refund on a withdrawn loan is
to calculate funds spent on services rendered, and to issue the refund on the
remaining unspent funds. This is despite
the documentation signed by your client stating that the $1995 fee was non-refundable
for a...
withdrawn loan. In the case of
your client, Seckel Capital is quite in the negative after applying the $1995
application fee. We did not charge your
client for the services ordered of the appraisals, and therefore, due to
Federal compliance, unable to issue credit for appraisals. Any questions relating to these charges
should be directed towards the vendor whose contact information is on the
appraisals themselves. We disagree with your client’s opinion of the actual
facts during her refinance application.
In fact, these events cost Seckel Capital a very material loss including
several lock extension under the verbal agreement that these loans would be
executed. Lastly, after sending this matter to our
attorneys for review, the way we handled the loan(s) of [redacted] was 100%
within compliance of all state and federal law and regulation. That said, we do sympathize with [redacted],
the experience she felt she received, and as a result we offered credits to her
loan in excess of $3,000 to pay for the closing costs in order to improve her
customer satisfaction. Unfortunately our
offer was turned down as we feel that we have done all that we can do, in order
to ease her concerns.
Thank
you for your assistance.
The Seckel Capital Team.
Unfortunately, there is nothing further that we can offer this client. What he is asking for is against regulations.
Our other offer stands, however if this is not accepted, there is nothing further we can do.