Category: LowerMyBills.com

Thursday, March 17, 2005

To the Cal. DRE: Please order LowerMyBills.com to cease all mortgage advertising for lead generation

I’m finishing up my response to the LMB motion to dismiss and I’ll include my DRE complaint as exhibit.

They’re another scummy outfit that needs to go.  My DRE complaint should be selfexplanatory:

MORE...

Monday, February 21, 2005

The LowerMyBills.com totally illegal mortgage ads

The LMB attorney Heymann claims that the ads were approved by the California Dept. of Real Estate.  If that’s true, there are some seriously corrupt people at the DRE and an investigation of the DRE is in order.

I shall find out.

The ads are posted at the Fight Back Forum

No licensing disclosure and the ads are entirely false and misleading, especially when it comes to the “bad credit OK” statements. Notably, no APR is posted and those advertised payments are nothing but a SHAM.

Lies, lies and more lies ....

Thursday, February 10, 2005

Robert Braver sued Ameriquest for spamming - LowerMyBills.com ALSO buys leads from spammers

From the Ameriquest cross complaint at http://mortgagespam.com:

9. On or about January 28, 2002, Ameriquest entered into a “Lead Purchase Agreement” with Lead Extreme whereby Lead Extreme agreed to generate and provide consumer leads for Ameriquest (“Lead Extreme Agreement”). Under paragraph 5.3 of the Lead Extreme Agreement, Lead Extreme agreed to comply with any and all applicable federal, state, and local laws in the performance of its obligations under the Lead Extreme Agreement. A true and correct copy of the Lead Extreme Agreement is attached hereto as Exhibit “1” and incorporated herein by reference.

11. On or about March 25, 2003, Ameriquest entered into a “Lead Purchase Agreement” with Visium whereby Visium agreed to generate and provide consumer leads for Ameriquest (“Visium Agreement”). Under paragraph 5.3 of the Visium Agreement, Visium agreed to comply with any and all applicable federal, state, and local laws in the performance of its obligations under the Visium Agreement. A true and correct copy of the Visium Agreement is attached hereto as Exhibit “2” and incorporated herein by reference.

13. On or about August 25, 2003, Ameriquest entered into a “Lead Purchase Agreement” with PEM whereby PEM agreed to generate and provide consumer leads for Ameriquest (“PEM Agreement”). Under the PEM Agreement, PEM agreed to comply with any and all applicable laws and regulations in the performance of its obligations under the PEM Agreement. A true and correct copy of the PEM Agreement is attached hereto as Exhibit “3” and incorporated herein by reference.

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You can view the actual agreements at Robert’s site.

*Somebody* needs to take this to HUD and whoever enforces federal Reg Z. 

Since I can now prove that LowerMyBills.com also buys leads from spammers and the consumers are ONLY hurt by lead generators—ALL mortgage lead generation should be prohibited at the federal level effective immediately with no exceptions.

The damages to consumers are devastating because the companies who hire spammers are nothing but lying scammers.  Many of the victims end up suffering severe financial problems and possibly end up in foreclosure and divorce.

It’s not just about a spam - it’s about peoples’ lives.

Thursday, February 03, 2005

LowerMyBills.com finally terminated spammer, requested extension

Last week their attorney Steven Heymann called and I sent him the comment spam from their affiliate and I offered to settle for $1,000.

Today he asked for an extension (no problem) and whether I’d dismiss them because they now finally terminated the spammer, N L Advertising - whoever that is, and of course they just switched the URLs to E-loan.

Why would I dismiss them because they finally terminated the spammer? 

I’ve spent countless hours emailing their president and dealing with dimwitted reps who couldn’t care less about the spam.

I gave them WRITTEN notice of my junk fax suit and all I asked for was the $50 per comment spam.  They chose to protect the spammer:

“… We have contacted the owner of that URL and requested that he refrain from these activities or face the penalty.

Best Regards,
Joe Cascio”

Of course the spammer knew that there is no penalty at LowerMyBills.com and that’s why he promptly posted another comment spam.

Well, I don’t appreciate this crap and since I can’t go anywhere on the web without seeing their ads, I just started taking screenshots of their ads and I’m going to submit the ads to the Cal. DRE for evaluation.

LowerMyBills.com is licensed as a Cal. real estate broker and Mr. Heymann told me that the DRE approves their advertising once a year.  I just find that really hard to believe, especially since I just yesterday spent a few hours reviewing the Cal. B & P and the DRE regs and I posted some of the relevant excerpts.

I just don’t see how the LowerMyBills.com ads could possibly be compliant - with no licensing id, no APR and downright false advertisements such as “bad credit ok” for really low payments.

Why can’t they just advertise the truth?

Tuesday, November 30, 2004

Requested subpoena policy from LowerMyBills.com

They never wrote back to my request for payment for the comment spam, and it’s rather obvious that lowermybills.com either doesn’t have a no-spam policy or doesn’t enforce it. PROFITS rule.

Ameriquest gets leads from LowerMyBills.com, so this is relevant for that suit too.

The scammers utilize spammers to find their victims.

Also just checked both spammed URLS and they’re still active, it’s rather obvious that lowermybills.com doesn’t mind spamming and unlawful advertising by their affiliates. 

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Monday, November 15, 2004

My response to Joe Cascio, Lowermybills.com customer care - $100 due

RE: Comment SPAM: $100 due by 11/16/04 [#293474]

Dear Mr. Cascio:

Did you not read the subject of my e-mail?  Your affiliate and lowermybills.com owed me $50.

I am appalled that lowermybills.com is so obsessed with profits it did not even shut down the spammer.

On 11/14/04, the spammer AGAIN posted an advertisement at my blog, this time to refinance-mortgage-com.com The website is identical to the Home-equity-loan-x.com and it is quite possible that the spammer has many of these sites.

I would like you to do the following:

1) Immediately terminate the affiliate relationship with the spammer and have all lowermybills.com references removed from all of the spammer’s websites.

2) Post a link on your affiliate page at http://www.lowermybills.com/misc/affiliates/index.jsp to my site at http://junkfaxsuit.info/blog.php/fax/C52/ to deter your affiliates from spamming.

3) Pay the $100 now due. 

Lowermybills.com profits from these illegal activities and as evidenced by your e-mail today, failed to terminate its affiliate relationship with the spammer. Therefore, lowermybills.com is responsible for its affiliates’ actions.

It is outrageous that you pay $40 per mortgage LEAD (not closed loan) and the mortgage companies obviously must be paying much more to lowermybills.com. 

It is quite clear why your affiliates spam and why lowermybills.com protects its spamming affiliates.

Please respond by tomorrow, Tuesday 11/16/04, 5 PM.

Sincerely,

Christine Baker

c: http://junkfaxsuit.info/blog.php....

Lowermybills.com requests that the affiliate refrain from spamming

Got this e-mail today:

Date: Mon, 15 Nov 2004 11:59:50 -0800
From:
Subject: RE: Comment SPAM: $50 due by 11/15/04 [#293474]

Dear Ms. Baker,

Thank you for contacting LowerMyBills.com.

The website in that posting does not belong to LowerMyBills.com.  They are an affiliate of ours, meaning they earn money when someone clicks a link on their site, and then completes a transaction on our site.

We do not approve of affiliates plastering their URL’s on message boards and blogs.  We have contacted the owner of that URL and requested that he refrain from these activities or face the penalty.

Best Regards,
Joe Cascio
LowerMyBills.com Customer Care

Sunday, November 14, 2004

Lowermybills.com (home equity) didn’t shut down the spammer

That’s odd.  Apparently there are porn sites more reputable than lowermybills.com.  They didn’t respond at all to my e-mail to the president.

Home-equity-loan-x.com still has all the lowermybills.com ads. 

Monday, November 08, 2004

I have hundreds if not thousands of SPAMS for LowerMyBills.com - spamming is so “PROFITABLE”

From http://www.lowermybills.com/misc/affiliates....

Make More Money...Join the LowerMyBills Affiliate Program!

Already an affiliate? Sign in here. Ready to join? Click here.

Joining is Profitable

Join the LowerMyBills Affiliate Program and maximize your income potential! Our program features generous commissions and multiple revenue opportunities—plus it’s easy to use. We make it simple to make great money, so get started today!

Making Money is Easy

Place LowerMyBills ads on your site

Visitors click on our ads and apply for our services.
You make money!

How Do I Join?

Just click here to complete our short application form with Commission Junction. We’ll get you going fast, so you can start earning money!

We Offer:

$32 to $40 per Home Refinance Loan application
$32 to $40 per Debt Consolidation Loan application
$32 to $40 per Home Equity Loan application
$10 to $14 per Home Purchase Loan application
$20 to $25 per Term Life Insurance application
$12 to $15 per Long Distance Plan application
$8 to $10 per Debt Management application

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Years ago I actually was a LowerMyBills.com affiliate, but I soon realized what a scam it is.  I would NEVER EVER look for a mortgage through that site. 

Most likely you’ll end up with LYING and INCOMPETENT scum like Ameriquest.

When I first returned Beatrice’s call at Ameriquest and asked where they got my number, they asked whether I applied through lowermybills.com as they get leads there.

Comment SPAM for lowermybills.com - my $50 demand to CEO Matthew R. Coffin

I am SO sick of the comment spam.  My e-mail to lowermybills.com Founder and CEO Matthew R. Coffin is selfexplanatory:

Dear Mr. Coffin:

My blog states:

“*** Absolutely NO SPAM! A $50 handling and removal fee applies to each advertisement.”

Despite my notice, I received the following comment spam today:

Author: Home Equity Loan
Email:
URL: home-equity-loan-x.c…
Date: 2004-11-08 04:33 AM
IP: 64.141.68.16

Quick, sing me the BUDAPEST NATIONAL ANTHEM!!
Home Equity Loan http://www.home-equity-loan-x.com

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The link from http://www.home-equity-loan-x.com went to:

http://www.jdoqocy.com/click-1555280-10364593

The URL of the page that came up as:

[https://www.lowermybills.com/servlet/LMB… URL too long for display at the blog]

On 10/5/04 I filed my junk fax and spam Complaint in Superior Court Kingman, AZ CV-04-915, and I am also currently litigating against Ameriquest Mortgage, one of the scummy spamming mortgage companies you apparently solicit leads for. 

I hope you will decide to send me my $50 and terminated the spamming affiliate by this Friday, 11/8/04.

Sincerely,

Christine Baker

c: posted at http://junkfaxsuit.info/.... [Url too long for blog]