united first financial Complaint

SmartAgent says: (4 weeks ago)

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Blogs and the internet are truly the "bathroom wall" of the 70's and 80's. It's so sad that people believe everything they read or hear on a blog or the internet. OK, here I go again trying to explain compunded interest and math to someone that is probably not educated enough to understand it. There are so many questions I want to ask the original poster. For instance, when they decided to "quit" the software, when was the software telling them they would be debt free? I would be willing to bet that it was telling them a MUCH lower estimate to where they were sitting before they were introduced to the software. And if that was the case, why would they stop using the software? Same reason someone would snort white powder up their nose when they know that statistics show it's a known certainty it will have a negative impact on their life. Probably because they were not smart enough, or maybe their agent was not smart enough to explain the way the software works. People like these want instant gratification and are probably the reason this country is in the state it's in. People getting into homes they can neither afford or understand. Yes, I said "understand". The reason the company might not give the person their money back is plain and simple, it's math. And guess what folks, math is math is math. It's been math for hundreds of years. Numbers add up, people don't. You can help some people, but not everyone. For those that don't understand the software and sell it, I agree, they need to stop. They are only giving a bad name to a wonderful company that truly is out there to help people. I make a 6 figure income and do pretty well but I get the most pleasure out of explaining to people how they can reap the rewards of this software and really not fully understand it. For example: If you had 5,000 cash in your pocket and were getting ready to buy a house that cost 200,000. Would you finance 100% of the 200,000 for 30 years or would you put down $5,000 and finance 195,000 for 30 years? Most, if not ALL will say they would put down the 5,000 and finance the 195,000 for 30 years and they would be wasting over 17,000 dollars over the course of a 30 year loan by making that one decision. You would save over 17,000 dollars if you would just finance the 200,000 for 30 years and THEN apply the 5,000 to your first payment. Case in point, compounding interest, the world just does NOT understand how it works. Thank God the MMA program takes care of all that "figuring" for us. Again, no reply needed because I KNOW I can't help everybody. I see it every day when I see some of the same people show up at the half-way house down the street time and time again.

EasyGoing says: (4 months ago)

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Unfortunately, all agents are not perfect! My agent explained everything well and the software has performed even better than I expected. The software is accurate and tells a person when to move money in its time. I have gone almost a year without moving extra money, but I have already saved over $65,000 of interest and without the software I would have paid over $72,000! I am extremely happy with the software and the company! Too bad your agent was a bad egg! The company is not to blame. Complain to the company about the agent rather than to the world.

Agent4uff says: (10 months ago)

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so sorry to hear your story this person should not be selling a program he does not understand, and should certainly given you a follow up. but if you bought the program why did you just not call customer service the number is on nearly every page of their web site??????? for all the users of this software myself included, i do not here of any complaints.. get it figured out and save your self a bunch of money way way more than this product cost you!!!

chansen says: (11 months ago)

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lesterk,

You are not alone in your disappointment, though abandoning the MMA and slowly paying off the LOC first and then accelerating the mortgage payments yourself is a better and faster plan in the first place. UFirst agents don't tell you that.

Your best bet is to register a complaint with the Better Business Bureau in Utah against the parent company. They hate to see unresolved complaints against them there, so they may work to see a positive outcome for you.

Now, the agent you purchased from is only an independent contractor, so UFirst may try to distance themselves from your agent, but don't bother with your local BBB. You need a complaint registered against the parent company to stand a chance.

UFirst agents are no more versed in mortgages than their clients. UFirst training is all about selling, not mortgages. Comforting, isn't it?

Suspicious says: (12 months ago)

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Sorry to hear you were having a problem with your program. Could you please post an update? What was your agents name or his agent number if you don't want to give his name out? What was happening for you financially that the program did not prompt a transfer within 5 months?

heartworth9 says: (1 year ago)

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Hello,
I use the MMA and it has worked great for me. Did you get this problem resolved?

RogerioHiga says: (1 year ago)

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I would like to help you out with your MMA software, a get you to be free of debt! Please, let me know!

flyboy43 says: (1 year ago)

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First, the program is much more complex than what was described. I have used similar principals by moving high interest credit card debt by way of balance transfer to a 0% APR for 12 months, then moving that balance back to another 0% on a different card before the rate changed. By using your HELOC in combination with Credit cards, and by shifting money into and out of accounts where you will have no interest or less interest is it very possible to pay down not only your first mortgage but any other debt as well at a seriously accelerated rate without affecting the current amount of money you have to spend. Provided you are at least making more than you spend.

Consider this 5 Credit cards, with balances of 5000, 5000, 5000, 1000, and 1000. By paying off two 1000 dollar cards you now have "extra maney available" The key is to apply ALL of that to one of the 5000 cards while paying the minimum balance on the first two. Naturally paying down the one with the highest interest rate first. Once the first 5000 card is payed off pay ALL the maony you were paying from the one 5000 and the two 1000 cards to one of the other 5000 cards. This requires dicipline, and you are killing yourself if you run up debt on the cards you just paid off. United first uses complex methods such as this to do their magic and the software is a click and drag way of seeing how your money is moving. People who cannot do this are MORONS and and have no dicipline and would go broke if you paid all their debts and gave them a million dollars free and clear. They would be back in the same boat.