Respected sir/madam,
we responded to an advertisement that read lower rates and lower monthly payments if we refinance. we were required to pay $395.00 for an appraisel before they would do a thing. I asked them to run our credit before we did annything incase there was an issue, they agreed and said the reports came back good. I then paid the $395.00 for the appraisle then came the hoop jumping, then aweek later he tells us that there is a judgement against us that could hold up the loan along with some painting that had to be done in the house and outside. all the painting was complete and the lawyer was going to write a letter stating we were paying on the judgement which is what they asked us for. when the appraiser came back out as soon as she steped out of her car she said the brick chimney had to be painted because it was chiping at the top and if it was not painted the loan was not going to happen. I then repainted the brick chimney and called them back, now about a month and a half have gone buy and now he says the underwriter wont even look at it if we dont pay the entire judgement off. If we had known this in the begining when i asked them to look at our credit i would have said no way to the $395.00 appraisle fee because i dont have over 1500 dolars to spend it was alot for me to come up with the $395.00. I asked for my money back and the jentleman began to get rude telling me that he told us this from the begining so on and so forth. there was alot of other little things as well as far as paperwork they said they didnt get and faxes they didnt recieve which was bull. the bottom line is they refuse to give us our money back i asked them to check our credit before we paid for the appraisle and they said it looked good then as soon as we gave them money it was nothing but bad news, they knew they were not going to give us this loan and strung us along until they got paid, iwould have never gave them that money if i knew i was going to have to pay that big settlment off and they knew it. I feel like they deliberatly misled us and stole our money\r\nDesired Outcome/Settlement\r\nDesired Settlement: Refund-Credit Card Credit\r\nall i want is my $395.00 back which they recieved and did not provide me with a service. that appraisle was useles to me and the fact that she told us the loan would not go through if i did not paint the chimney tells me they were working for th broker and not an autonomis appraisle co. Somthing stinks in denmark!