I was contacted by First Universal Lending about a loan modification. They were very convincing and I was told it would take 3-4 months at the most to get my mortgage loan modified. Three to four months turned in to 10 months at $400.00 a month. When I cancelled their services they still took a bank debit from my account for a different amount of $299.99. When I talked to Wells Fargo about my loan modification, I was told they do not even work with First Universal Lending. This company should be investigated!!! read full review »