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    Total Environmental Cooling & Heating

    3.7 (3 reviews)
    Closed 9:00 am - 5:00 pm

    Services - Total Environmental Cooling & Heating

    Business loan

    HVAC installation or replacement

    HVAC system repair

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    6 years ago

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    Residential Credit Solutions

    Residential Credit Solutions

    1.1
    (48 reviews)

    [Atchung: They were sold to ditech Jan 2016. We won.]…read more Their slogan sums it up, and yes, this is right off their web site: "We pride ourselves in servicing your loan in ways you're not used to." RCS is the worst company I've ever encountered other than an especially loathsome answering machine store in Westwood in the 1980s. There's a culture that regards customers (hostages) as lowlifes and speaks to us accordingly. My loan servicing was sold by BofA to RCS in 2013, and I've long wondered why, as in "why me?" Notice how many Californians and western state Yelpers have posted reviews here? It's not necessarily a question of why BofA wanted to sell a lot of CA and western US servicing contracts, it's a question of why RCS wanted to buy them. 1. Trulia says CA has the 3rd highest listing and sales prices after DC and Hawaii, and is the #1 in interest among Trulia users. So, bigger loans with bigger serving fees, and more people interested in property here in case the houses go up for auction after foreclosure. 2. CA is heavy in millionaires who can buy foreclosures at auction with cash. In fact we have the most multi-millionaires in the county, per this: http://www.businessinsider.com/this-is-where-americas-multi-millionaires-live-2012-3 3. But most importantly, and this pertains to the west in general, CA has non-judicial foreclosure. The lender or servicer decides if they have followed the law, and if they think they have, or pretend they have, they can have the sheriff on your stoop in the wink of an eye. Other states let a judge...in a courtroom...decide. How quaint. Here's a color coded map: http://www.bankrate.com/finance/mortgages/foreclosure-judicial-or-nonjudicial.aspx Of the 42 reviews to date, (25 including mine, on this page, and 18 non-featured ones), only four are in states with judicial foreclosure. (3 in FL and 1 in KS). Three are in states that have both (2 in MI, 1 in HI), and one's in a state with both that leans toward non-judicial (Georgia). See that NH review? Non-judicial state. And a new bank-supported law in Florida makes recovering a home after foreclosure impossible in certain circumstances, and makes foreclosure judgments final. Non-judicial foreclosure is obscene. You might have sunk $100-$200K into your home and RCS, which you never chose to do business with, will mess you around until you're in default, as they do with loan mod applicants, and keep or sell your house. Meanwhile, landlords whose whole income might come from a rental duplex cannot evict non-paying tenants without going to court. RCS has been awash in taxpayer gifts for years. They are a low rent bill-collector propped up by $42M from TARP in 2009, of which they've spent $3.4M on borrowers and $3.8M on themselves. They were greatly enriched by the idiot Tim Geithner and his scandalously stupid PPIP which got them a share in the profits from $1.3B worth of lousy loans from a failed bank for $64M, which the FDIC lent them. The FDIC took 11/12 of the downside but kept just 50% of the upside. PPIP was designed and approved to get lousy loans off the books of LIVE banks, to keep them afloat. But no live banks were willing to sell at low-low prices like what RCS "paid." Read all about it: http://baselinescenario.com/2009/09/24/just-baffling/ Here's some research by a woman who looked into the histories of the guys who banded together to form RCS, after a rapid scuttle from their previous hole, Saxon Mortgage, a criminalistic enterprise operating in plain sight: http://tinyurl.com/RCSsaga Here's something that was posted in a comment elsewhere that I've never seen a blogger write about...it's Dennis G. Stowe, the "Godfather" at RCS, in some weird deal with FDIC in 2010, less than a year after RCS "bought" that whack of loans seized from a dead bank: https://www.fdic.gov/buying/historical/structured/AmtrustNP/Reissuance_Purchase_Money_Note.pdf I saved the best for last. This was posted on September 1, 2015. Caught red-handed? Naughty Dennis Stowe outsourcing forgery?: http://www.nakedcapitalism.com/2015/09/proof-of-ongoing-foreclosure-fraud-and-mortgage-document-fabrication-in-five-emails.html

    Hard to believe there are no reviews about this company, since rustling up the energy to write a…read morebad review is so much easier than writing a positive one. Hands down, this is the worst company I have dealt with in my life. My mortgage was sold to them years ago, and I will forever curse that lender for doing so. I am not someone who is at risk of foreclosure. I earn a very good living, make timely automatic payments every month, and even pay extra to try and draw down my prinicpal - and they constantly try to find new ways to screw me through unwarranted late fees. Any conversation with their "customer service" team to resolve one of their screwups is one of the most stressful encounters you will ever experience and is guaranteed to lower your life expectancy. If you are forced to do business with them, consider borrowing money at a 10% higher interest rate just to pay down the loan. Find a loan shark if you have to, they are probably much easier to deal with than RCS. If that's not an option, document everything and record every call to their customer service department. This is an evil company that deserves to go out of business.

    Moore Financial Services

    Moore Financial Services

    5.0
    (1 review)

    Felicias' expertise is unprecedented, she knows her stuff. After an initial consult i requested the…read moreassistance of Moore Financial Services with the formulation of my business plan as well as filing the fincen report. The value for these services was great especially if you have a membership. Would highly recommend this business to all of my fellow real estate investors. I can tell she cares about her business as well as the businesses of others and I live be the mission of the business.

    From the owner: We will file your business formation paperwork with the state. If you need a registered agent,…read morecontact us. Have you been denied funding? Do you foresee obtaining grants and government or corporate contracts? We prepare your business to receive funding, grants, and contracts. Oftentimes, business owners know they want to get more funding or obtain growth by securing a large contract. However, they spend more than their necessary precious time trying to figure out the processes. We connect the dots. You no longer have to figure out what the necessary steps are to get funding. We know what lenders look for. You no longer have to figure out how to procure a large contract. We work with you to develop a customized plan for your business needs. No two businesses’ needs are the same. And with each unique need, we have the ability to professionally pinpoint the areas of concern. We specialize in building business credit, repairing corporate compliance issues, creating business entities, developing business models and processes, providing registered agent services, and providing funding solutions for business owners, real estate investors, business acquisitions, and other business related needs. You can be confident that when you work with us, you will receive the help your business needs. Let us conduct a detailed business assessment to determine your business’s needs and potential for growth.

    EECU Credit Union

    EECU Credit Union

    4.3
    (31 reviews)

    I like coming to this EECU branch. The staff are friendly and helpful with whatever I've needed…read more I've noticed they offer a variety of services. I appreciate that the staff remember your name and members of your family. I appreciate going into EECU and using the ATM as well. EECU has been my go to bank for years and will continue to be.

    Cergio is extremely ambitious and does great work. I stopped by this branch which I do a few times…read moreeach year on average. Most of the time we use a branch closer to our home but this branch is convenient if you have errands to run in the 377 area in Watauga. After getting a little money, I was headed out the door when a gentleman (Cergio) asked if I was interested in saving money on my Chevy's loan. I told him my Chevy was paid for but we bought a new Cadillac a few months prior and I had been trying to get that loan over to EECU with zero luck. In fact, I had been told they were 90+ days behind and were not working to refinance loans very much. I was shocked when the people at our home branch had told me this. All previous experiences with EECU had been great in terms of incentive, speed, service, etc.... I had always found everyone very helpful and responsive so this lagging lengthy display was a new experience. I asked Cergio if he was serious and if he could get the loan switched over within a few weeks. He told me he felt that was exactly what he would do. I spent few minutes getting him our details, exchanging emails and phone numbers and off I went curious as to how this would progress. I had applied four months prior at our branch but was told they could t help us for months. Within 2-3 weeks, Cergio got our loan refinanced, saved us some money with a lower rate and had the loan closed. He even assisted in getting our insurance certificate over to the right people at EECU. Thank you Cergio and Watauga EECU! You did a super job and helped me accomplish something I had been trying to do for months. He had no idea when he approached me. I wanted to let his management team know that his efforts and service are rare today and we appreciate him!

    Total Environmental Cooling & Heating - hvac - Updated June 2026

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