National Improvement Center, Inc. ratings, reviews and complaints - Loan Modifications Advance Fee

Complaints and Resolutions

Complaint Experience

N/A

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

We have received no complaints against this company.

Complainants allege a pattern of allegations relating to loan modification services, including, misrepresentation, unfullfied contracts and inability to obtain refunds. Customers complain that the company offered services with a money back guarantee, however loans are not modified as agreed, they are unable to obtain refunds, and some report the company is no longer in business.

The company responds to some complaints by denying responsibility for the complainant, stating that they did obtain a modification agreement on behalf of the client, or by advising that as of 9/21/2009 that they are no longer in business.

Our complaint services are free and our team of expert mediators will assist in resolving complaints with businesses.

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Complaint Closing Statistics

0 complaints against National Improvement Center, Inc. closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
0	Agreed to make an adjustment
0	Refusing to make an adjustment
0	Refuse to adjust, relying on terms of agreement
0	Unanswered

Other Information

Company Info

This company provides loan modification services for an advanced fee.

Primary Contact:	Bruce Weiner (Owner/Secretary)
Business Started:	7/26/2006
Social:

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Licensing

California State Bar

Verified License

License Number: 78533
Status: Disbarred

Government Actions

Agency: California State Bar
Description:

On April 25, 2013, Bruce Steven Weiner was disbarred from the State Bar of California and is prohibited to practice law in California by order of the California Supreme Court. The State Bar found Weiner committed 51 counts of misconduct in 15 loan modification matters, ten of which were undertaken in states where he was not authorized to practice law.

According to the State Bar’s Discipline summary states that while operating as owner and attorney for Novation Law Center, the All State Law Group and the Realty Law Center, Weiner used fee agreements that attempted to divide the services his companies provided into prequalification and post-qualification services to bypass laws that prohibit attorneys from receiving compensation in loan modification matters until all services have been performed. Several of the fee agreements required the clients to pay in full following the completion of prequalification services which consisted of basic tasks such as interviewing the client or setting up a file. Clients paid thousands of dollars in advanced attorney fees and did not receive any modifications.

Weiner was found guilty of, among other charges, failing to perform legal services with competence, violating loan modification provisions, failing to return unearned fees, collecting illegal fees, failure to cooperate with a disciplinary investigation and the unauthorized practice of law in another state. He has been ordered to pay $41,052.50 in restitution, plus interest. Weiner has a record of past disciplines with the State Bar.

Date of Action: 4/25/2013

Comments and Analysis

Effective October, 2009 in California, it is illegal to collect any fees, regardless of the form, for negotiating or attempting to negotiate a loan modification for a residential mortgage. All modification services must be fully completed before any money can be collected. It is also illegal to divide fees or services into components for the purpose of avoiding this law.

HUD approved housing counseling agencies are exempt from this law. For businesses outside of California, please check with the agency that regulates this industry.

Other Considerations

This company has advised our office that they are no longer in business. The company's principal also operates another company from the same address called The Rite Loan Company who still appear to be in operation. Our files have not shown any instances of returned mail, however, by their own admission they are out of business. A separate report is available upon request for The Rite Loan Company.

Industry Resources

Advertising Reviews

Additional Info

DBAs:

Central Law Group

Websites:
There are no additional web sites.

Contacts:

John Boatman

James Barker (President)

Addresses:

20 Fairbanks, Suite 193, Irvine, CA, 92618

Reputation Report

National Improvement Center, Inc.

Complaints and Resolutions

Other Information