first universal lending called me when i was looking on the web to see about Obama's stimulus money for home owners. they told me they would talk to my mortgage company about adding a modification clause to my existing mortgage. I told them to get back with me after I got back from vacation. They started taking money from my account before I got back from my vacation. I have never received any phone calls or services from them. My account has went negative because they continue to do so. I am currently working with a different company... read full review »