Go to the County Courthouse and file a small claims lawsuit against
them. This may be the only way they will respond to you. Do a little
research at the courthouse and see if they have other lawsuits against
them.
Also, be persistent with the CA mortgage licensing agency. Write them
a letter and send it Certified with receipt. Visit them about a week
later and demand (nicely) to speak with someone about your situation
and formal complaint.

- quote -

no later than 30 minutes prior to closing. Please check Court hours
below. You may file a Small Claims action if the total amount of
damages is $5,000, or less. You may only file two claims that exceed
$2,500 in a calendar year in the state of California.

This is the proper court to file your lawsuit , if one of the
following statements are true:

* A defendant lives in this judicial district, or if the defendant is
a business that has its principal place of business in this judicial
district.
* A person was injured or personal property was damaged in this
judicial district.
* A defendant signed or entered into a contract in this judicial
district, a defendant lived in this judicial district when the
contract was entered into, a contract or obligation was to be
performed in this judicial district, or if the defendant is a
corporation, the contract was breached in this judicial district.


ultimangel[at]hotmail.com (Nardia Grimlo) wrote in message news:<b191e9d7.0309251622.1494d24b[at]posting.google.com> ...
- quote -

In article <b191e9d7.0309251622.1494d24b[at]posting.google.com> , Nardia
Grimlo <ultimangel[at]hotmail.com> wrote:

- quote -

In retrospect, this should have been a tip-off. You never send
this money to the lender. All the lender should ever ask for
in advance is money for your credit report, about $50, in case
you lied about your credit, and perhaps the appraisal fee,
which should be no more than $350. Everything else should be
paid to the escrow agent at closing time. If someone asks for
money up front rather than waiting for the closing, that is your
tip-off that it is a scam.

-john-

--
================================================== ==================
John A. Weeks III 952-432-2708 john[at]johnweeks.com
Newave Communications http://www.johnweeks.com
================================================== ==================

For your information, this company offers very low rates on a home
mortgage. Only problem is after you fill out all the paper work, and
send them your fees, escrow and interest payment, not only do they not
fund your loan but they keep your money.
In early July of 2003 I locked in a low rate with instafi.com
1-800-INSTAFI (467-8234)
2600 Michelson Drive
Suite 300
Irvine CA 92612
info[at]instafi.com
We filled out the paperwork as requested with the notary, paid the
fees, escrow and interest payment of 4200$ via wire from our bank.
Then we didn't hear from them so we started calling our loan agent
Erica Garcia asking "is everything OK". No answer to our messages. So
then we called customer service and left a message. No response. We
did this about twice a week for 3 weeks and then almost daily for
another 2 weeks when they suddenly called us and said "Gee, we are
sorry, but it's been more than 30 days and your loan lock is no longer
any good". They then tried to pressure my wife into getting a new loan
with much higher fees, points and a higher loan rate. They told her
"you have to hurry before rates go up".

We told them we wanted our money back and we didn't want to do
business with them.
We've tried calling the head of customer service John Valdez many
times with no success. We've also tried calling the CEO Sean Roberts
(who appears on their TV commercials) to no success. No one ever
answers any of the kind and patient messages we have left for them.
Eight weeks has gone by now. I call them daily. No one ever answers
the phone except for these phone operator type folks UNLESS you call,
lie, and say you want a new loan, then they answer. One employee told
me that instafi.com has done this to thousands of people. if that is
true I am concerned that they are going to just suddenly disappear one
day and take everyone's money with them.

I told the police and the DA's office, and they said "it's a civil
matter". I called and wrote the state dept. that licences Instafi.com
as a lender, and they don't answer their phones or respond either. If
you want to lose your hard earned money, go ahead, deal with
Instafi.com. If you want to help stop these people, give them a call
for me. Tell them we don't appreciate the way they treat people.