626-209-9691

UPDATE********

While "Bert" is in a foreign country, the main scammer is right here in the USA.  William F. Patterson, he claims to work for New Horizon Financial whose office (on their website www.newhorizonfinancial.net) shows to be at 1010 Wilshire Blvd. in LA, CA - funny thing....the buildings management company says they haven't been tenants in over 7 months.  Left with no forwarding address.   When I looked up his other info, I found that he had 2 other addresses that weren't right either.   His other "office" turned out to be an empty house that had been foreclosed on 2 years back.  The third "office" is a vacant house in a seedy neighborhood that has been on the market for 3 years running.  Smell a dead rat yet???

One of these last two addys turned up on another website for a merchant services account. (Sells credit/debit card processing for businesses)  - same business phone and fax as this New Horizon Fin.

Beware of this scam.   They want your debit, credit card or checking info in order to "process" your application - they will charge you from $495 to $1,500+ if you furnish this info to them.  With the system they have, once they draft your account there is no way to do a clawback or to reclaim your money.  It's just GONE.

They paperwork I was sent was old and outdated, but it contains enough information that they could pretty easily assume your identity or hi-jack your accounts.   Worse still - when I checked with the NMLS (national mortgage licensing) and the California State office, neither of them had anything for this company - which means they are NOT licensed to do any type of mortgage processing.  There was nothing in the CA Bar Association about their being admitted to the California Bar Association as they had claimed to be in my phone conversation with them.

All this adds up to a stinking, steaming pile of POO.    Red Flags all over this one!

The "application fee" they are charging has been illegal since the first of 2011.  They are not allowed to charge a fee before providing any services.   I gave this moron a valid card number, but I had not funded the card.  He tried to run it over the weekend, without my authorization to do so, which validates my point about this being an UPFRONT FEE SCAM.   I had NOT signed anything with this bozo for them to do ANYTHING, but there he was trying to draft my card!!!!

Isn't it funny how they claim to be SO honest and that they are doing everything by the book, yet turn around and run the scam any how?

If you get a call from the Robo-Call Bandit (India) and they want to reduce your mortgage - just RUN.  ...and while you're running, call your attorney general and the FTC and make them aware of these scammers too!

Unfortunately you as a customer is one that is a user and a thief.  You obviously accuse companies and people about things you have no knowledge. New Horizon has been in contact with you on email and the phone  from the beginning. You have all the emails to prove it. Therefore, no one is hiding. We have many happy clients who will give written and verbal proof and testimonies. Anytime anytime!!!

You are the type of customer who gives this industry a bad name and review.  You want something for nothing.  Like so many who want to have a complicated service performed and after completion the company has to chase you down to get paid and you are nowhere to be found and never answer your phone or email. Shame on all the ones who do that.

You are a knucklehead who doesn't even know how to call your lender and get correct information.
You need to be smart enough to get connected to the correct department or the bank will no provide you with any information. Their goal is to get you discouraged and not to let you have lower payments. Don't be stupid.

There is no SCAM here or anywhere, so take your attitude elsewhere and don't talk [***].

Unfortunately, A supposedly unhappy person with no cause.