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FIB - Scams 101
Re: An open Challenge to the United First Financial
Posted By: calvin In Response To: Re: An open Challenge to the United First Financial (Just call me BOB)
Date: Friday, April 11, 2008, at 10:04 a.m.(pst)
In Response To: Re: An open Challenge to the United First Financial (Just call me BOB)
>> Thanks for the opportunity to respond to your challenge. I am a UFF
>> agent and I look forwrd to UFF corporate office tackling the
>> challenge.Please e-mail the challenge to them. Unfortunately UFF does not
>> ALLOW it's agent's to act as spokespersons for them. I am on the program
>> myself, and if paying down my mortgage can be done without the complicated
>> algorithm and without the cost charged for the program, I will be extremly
>> upset. Just call me Bob
UFF corporate won't touch this challenge. trust me, i've tried. as for not letting you be a spokesman...um, you are an agent, you sell the product, you ARE a spokesman.
anyways, from another post I made, here is a clear picture of prepay versus MMA. notice the prepay beats MMA by $3500 plus interest. You should clearly ask for a refund, not because the proposed savings weren't met, but because you were sold a pack of lies as to why. you EASILY could have done this on your own by using one simple subtraction each month (checking account minus outstanding monthly bills minus any cushion you want in your checking account = prepay amount for that month). anyways, i am on vacation until the 21st of april, so i can get back to any questions you have then.
Here's an analysis straight from a UFF agent:
Here's a prepay approach for the exact same set of income, expense, and mortgage. As common sense says, the MMA comes out $3500 behind, plus interest.
This isn't rocket science folks, just really slimy marketing. Interest cancellation for a given month is worth less than the change you find in the parking lots over the course of the same month.
These guys ONLY compare to people paying the minimums, never to what you can do prepaying. Why? Because they know they will ALWAYS lose.
Messages In This Thread
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Do yourself a favor and turn your legal team loose in greener pastures.
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