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The Mortgage Wellness Group Ltd


Country Canada
City Etobicoke
Address 1570 Kipling Avenue
Phone 416-245-0800

The Mortgage Wellness Group Ltd Reviews

  • Nov 20, 2017

My sincere apologies here as I feel very bad writing this as I do know once you post something negative of an individual or a company it appears it never goes away, and that’s sad for sure, but well deserving if you feel you were mistreated or wrongfully told something and was misleading. The public should know of that individual or that company. Please know that I’m not out to hurt anyone either or put anyone out of business that’s not my intention here. I am just here to tell the truth about individuals that treated me wrongfully by misleading information to me while purchasing my home some 2 years ago and I had recently sold because we could no longer afford the mortgage.

You see my first attempt is to do research on the individual I’m putting my review on through their website reviews or other. I did find a website where I could put my review in however I am in question why Lucie Molinaro reviews some were deleted. This only tells me that the truth has been spoken most likely out of anger and resulted in having the reviews deleted however this also flags me to believe that these reviews deleted were of people who were also being treated wrongly and their opinions could not be voiced. I had also put up a review up there of Lucie Molinaro and of course there was no slander but because the email was negative I don’t see it posted there. Not surprised! Why, because I guess Lawyers like Lucie Molinaro are protected against negative comments. So, here I am because at the Rip Off Report page I want everyone to know what happened to me and my family upon trying to purchase a home. We believed that we were lied to, had slander and been belittled in every way you could think of. We also felt that we were terribly overcharged for her services. We believe that Lucie Molinaro banked some of our money for herself. I had mentioned this to my selling lawyer I was working with recently on selling of my home, and looking over the previous documents for my prior home wherein Lucie Molinaro was my lawyer at athe time, he too felt that I was somehow mislead. He agreed I paid much too much money for the purchase and sale of my home. For selling of my home I only paid my lawyer $1,100 and I was able to pay that upon closing. He did not ask for any money upfront.

So, let me begin my story. It is okay too if you don’t believe my story, however, being Roman Catholic and attend church twice weekly I have no reason to not tell the truth. Of course this is neither here or there as Religion has no bearing on what I’m saying here and most don’t really care to know this. So, please accept my apologies on this statement. I’m also sorry if my story seems long and dragged out. Just trying to remember the details.

It was back some 2 years ago I was looking to purchase a home and had recently sold mine as well. I got in contact with a Gary Chahinian from REMAX Diamond Realty through an acquaintance I knew. We got together with Gary and explained to him of our needs as far as purchasing our dream home, location and where our budget was. Of course this is what everyone does and I’m sure you all agree? Gary assured me that he would stay in our budget. Gary was also good friends with Peter Capprarella of Mortgage Wellness and Lucie Molinaro was the lawyer they use and are out of the same location and office in Etobicoke. Lucie Molinaro and Peter Capprarella are the two individuals that we felt were misleading.

Gary Chahinian was a great hearted person. Was very helpful in finding our home, however, we felt he just was not hearing us when we said we have a budget in mind, of course is this not the case with all Realtors. They just make us look at what they like and always over budget us. Gary did finally find us a home that himself and Peter assured us would be in our budget as far as the monthly mortgage. We told both of them what we could afford and no more than that as it would be out of our comfort zone. Both Gary and Peter assured us and promised we could afford it and would not be more than a certain amount that we discussed. They went on to say “Yes, you won’t pay more than this amount. Yes you will be able to afford this house with no problems”. So the family agreed we could afford the place based on the terms laid out to us at the time and we purchased the home with great delight thinking that everything would go according to our plans.

We later met up with Peter Capprarella and his partner to go over the mortgage terms as Peter assured us no problem to get us what’s in our budget. That day we provided a VOID check as the mortgage lender approved our mortgage and we were all set to go. How exciting this all was. We could not believe we found a beautiful home and we could afford our monthly mortgage comfortably. It was wonderful news.

It then came time we needed a lawyer, and Gary and Peter and Michael highly recommended Lucie Molinaro, Legal in Trust. Since all was going well with the purchase of my home. We could afford the monthly comfortably and everything was set to go. We decided that Lucie Molinaro must be just as fabulous as Gary, Peter, Michael were to us. We hired Lucie Molinaro as our Lawyer. Everything was great at first. I asked her to give me a quote of what it would cost me and she said “because you are working with Gary and Peter I’ll give you a great deal”. We thought of course this is fair. Gary is our Realtor, Peter is our Mortgage Broker and we would keep it in the family and allow Lucie Molinaro to work with us. This was the most horrific mistake we ever made!

Forgive me for saying this, as it is quite sad, knowing how kind she was when she first gave me the quote. I thought we couldn’t have hired a better lawyer than Lucie Molinaro located at 1570 Kipling Ave, Etobicok, Ontario. She was so helpful at first and seemed to be understanding. I have worked with many lawyers but this one I’m surprised Lucie Molinaro is still in business. She’s the worse lawyer anyone could ever work with. I have been diagnosed with acute anxiety, and not looking for any sympathy here, or any remarks, but she did not care at the least of my condition. She actually brought on the most anxiety I have ever endured in a life time. It came to the time that she was telling me what I would have to pay. It was some $5000 more than she had quoted me at first and she wanted the money up front! I said “that’s not the amount we agreed on, and why do I have to pay money up front. I’ve always paid a lawyer on closing of the deal”. She went on to say “Well, I don’t work this way”. I said “well I have my father’s inheritance but it is in a Trust where if I take money out I will be penalized so I really don’t want to take money out”. She didn’t care in the least. I thought maybe she could make an exception and wait until the closing since she works out of Peter Capprarella office and as well Peter, Michael and Gary both highly recommended her to me and said "Lucie Molinaro will do everything she can for you. She’s the best lawyer for you". I mean it was only some 2 weeks away from closing. Surely she could have waited that time, or at least let us pay half now and half upon closing. She had no care. We had to pay it all upfront. No lawyer has ever done that to us before. She also went on to say in the conversation which was recorded at the time as my son recorded it “I have seen yours and your son’s bank accounts and you have plenty of money to cover my fees. Your son is also wasting his money on lunches every day where he could be making his own lunches and I also see that he buys a lot of beer and goes to restaurants. He could save money if he stopped wasting it”. I went on to say "I am sorry but my son is in the “Law Enforcement Field” and works on shifts where does he get the time to make his lunches". She just kept telling me to shut up and listen to her. People, I’m certainly not going to make his lunches every day as I’m a senior citizen. My son is also exhausted when he gets home. Works some 12-14 hour shifts. Why can't my son buy beers on the weekend and unwind like everyone else does. She had no right to say this. My son works hard for his money. Would you think that this is any of her business? If so tell me why I really would like to know. Would you want your lawyer saying these things to you, prying into your affairs having nothing to do with the deal you’re closing? As a mom if I could I would have slapped her so hard across the face however I held my feelings back and just listened to her continuously degrade me of everything and tell me to shut up and listen. Those were her best words to me. I was so tearful and hurt and wished I found my own lawyer.

Oh and as the conversation went on she says “now just suck it up and pay your bills. Do you know I have bills of my own up to my wang yang” and please you have plenty of money in your account, so stop acting like a cry baby with your sob story you don’t have money”. Then she goes on to say “Listen to me” First you made the decision to buy the house, no one twisted your arms or forced you. Second if you don’t go through the purchase you will be sued so why don’t you just stop acting like a child and start acting like an adult. You know you can afford it. So shut up and do what I tell you to do". Do you know that I could not voice my opinion or she would keep telling me to shut up and she would raise her voice at me? Now is this acceptable. When I sold my last condo a few years back I paid my lawyer everything upon closing. I think because she knew I had a large inheritance from my father this would be her opportunity to take more money from me and that is what Lucie Molinaro did becasue going over with the numbers with my current lawyer who sold my house I could no longer affrod and saw that I paid too much for the closing and selling of my house.

Moving along, she charged us some $7000 more than what we were quoted at first and she said "don't worry you’ll get at least $4,000 or $5,000 back". She goes on to say “I just need to have the extra money for the closing out of your selling in case something goes wrong and I have to do more leg work” That was BS I got back some $1200 check from her. Lucie Molinaro took more money than she quoted and gave less back than she quoted. Lucie Molinaro did not like me because I am one to voice my opinion if I feel I'm being mislead which I was. My father must have rolled in his grave for this. You know she also heard my son in the background wherein he was yelling at his friends playing his video games “ESO” and she thought he was addressing her as he was saying some swear words with his friends. She, said “What did he say, I am going to add another $1000 if he continues talking like that”. Meanwhile she’s telling me to shut up, belittling me and making me so upset accusing my son of spending too much money and now accusing my son of swearing at her when he was just having fun with his buddies playing ESO video game. Oh, by the way people she did add another $1000 on to her fees for my son’s video playing. I would say with the attitude that Lucie Molinaro had at the time she would be out of business for sure, but I guess these lawyers go on to be rude and steal from their clients. My son in Policing field said “mom don’t worry what comes around goes around, she’ll see that one day” Mom one thing I’ll say Police don’t care too much for lawyers”. I also have a very close friend of the family who is a Sergeant for Peel Police and he agrees lawyers are not in their best books! They can do without them that’s for sure.

So, people, let the truth be told here. Lucie Molinaro from my family and I you get a 0* not even a 1* for your horrific service to us. From my personal point of view, you’re a horrible and very abusive person and need to go back to school for communicational skills. You may be a good Lawyer at what you do, you would get a 3* for that, maybe, but you’re lousy on feelings and caring of your clients. Good luck with that Lucie Molinaro Legal in Trust. Where's the Trust?

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