Comments on: Facing Foreclosure With Ameriquest http://loanworkout.org/2007/07/facing-foreclosure-with-ameriquest/ - Free Mortgage, Auto and Student loan Calculators by LoanWorkout.org Wed, 28 Mar 2012 18:33:33 +0000 hourly 1 http://wordpress.org/?v=3.1.3 By: Shawn Morse http://loanworkout.org/2007/07/facing-foreclosure-with-ameriquest/#comment-231 Shawn Morse Wed, 21 May 2008 18:14:40 +0000 http://loanworkout.org/2007/07/30/facing-foreclosure-with-ameriquest/#comment-231 OMG WHAT A NIGHTMARE WITH COUNTRYWIDE IT BEGAN LAST YEAR AFTER I BECAME VERY ILL AND MISSED MANY MONTHES OF WORK. WE WENT THROUGH OUR SAVINGS WHICJ WAS ALREADY SMALL AFTER HURRICANE KATRINIA, WHICH WAS DEVASTATING. I STARTED CALLING CW IN SEPT 2007 AND IN OCTOBER WAS TOLD I WOULD BE GIVEN A LOAN MODIFICATION AND NOT TO MAKE A PYMENT UNTIL FEB 2008. I GOT BACK ON MY FEET STARTED WORKING OVERTIME AND TRIED TO MAKE A PAYMENT 2-2008. IT WAS TAKEN OVER THE PHONE AND A CONFIRMATION NUMBER WAS GIVEN TO ME. WELL MARCH COMES AND I RECEIVE A LETTER SAYING WE ARE IN SERIOUS TROUBLE MY CREDIT IS RUNIED BECAUSE OF THE LATE PAYMENTS AND MY HOUSE IS CLOSE TO FORECLOSURE! I AM TOLD BY ANOTHER REP TO FILE WITH THE HOPE DEPT BLAH, BLAH YOU KNOW THE ROUTINE. I FAX ALL OF THE DOCUMENTS WITH MY HARDSHIP LETTER AND WAIT 30 DAYS. I CALL AT LEAST EVERY WEEK AND AM TOLD NOT TO MAKE ANOTHER PAYMENT UNTIL I HEAR FROM SOMEONE. LAST MONTH I GET A LETTER OF DENIAL NO EXPLANANTION MIND YOU. I REAPPLY AGAIN ON THE ADVISE OF ANOTHER REP, AND I CONTIMUE TO CALL EVERY DAY NOW. WHEN I SPEAK TO SOMEONE AFTER 40-50 MINUTES OF HOLDING, TRANSFERRING ME, HANGING UP ON ME ETC, I AM TOLD AGAIN DO NOT MAKE ANYMORE PAYMENTS UNTIL THE HOPE DEPT CONTACTS ME. JESUS I AM TERRIFIED THAT I AM GOING TO GET A FORECLOSURE NOTICE AND HAVE TO GIVE UP MY HOME WITH 2 CHILDREN, AND A HOUSE I HAVE LIVED IN FOR THE LAST 17 YEARS!! I CANNOT SLEEP AT NIGHT, AND I AM PHYSICALLY ILL FROM THIS AND JUST DO NOT KNOW WHAT TO DO PLEASE HELP ME SHAWN MORSE OMG WHAT A NIGHTMARE WITH COUNTRYWIDE IT BEGAN LAST YEAR AFTER I BECAME VERY ILL AND MISSED MANY MONTHES OF WORK. WE WENT THROUGH OUR SAVINGS WHICJ WAS ALREADY SMALL AFTER HURRICANE KATRINIA, WHICH WAS DEVASTATING. I STARTED CALLING CW IN SEPT 2007 AND IN OCTOBER WAS TOLD I WOULD BE GIVEN A LOAN MODIFICATION AND NOT TO MAKE A PYMENT UNTIL FEB 2008. I GOT BACK ON MY FEET STARTED WORKING OVERTIME AND TRIED TO MAKE A PAYMENT 2-2008. IT WAS TAKEN OVER THE PHONE AND A CONFIRMATION NUMBER WAS GIVEN TO ME. WELL MARCH COMES AND I RECEIVE A LETTER SAYING WE ARE IN SERIOUS TROUBLE MY CREDIT IS RUNIED BECAUSE OF THE LATE PAYMENTS AND MY HOUSE IS CLOSE TO FORECLOSURE! I AM TOLD BY ANOTHER REP TO FILE WITH THE HOPE DEPT BLAH, BLAH YOU KNOW THE ROUTINE. I FAX ALL OF THE DOCUMENTS WITH MY HARDSHIP LETTER AND WAIT 30 DAYS. I CALL AT LEAST EVERY WEEK AND AM TOLD NOT TO MAKE ANOTHER PAYMENT UNTIL I HEAR FROM SOMEONE. LAST MONTH I GET A LETTER OF DENIAL NO EXPLANANTION MIND YOU. I REAPPLY AGAIN ON THE ADVISE OF ANOTHER REP, AND I CONTIMUE TO CALL EVERY DAY NOW. WHEN I SPEAK TO SOMEONE AFTER 40-50 MINUTES OF HOLDING, TRANSFERRING ME, HANGING UP ON ME ETC, I AM TOLD AGAIN DO NOT MAKE ANYMORE PAYMENTS UNTIL THE HOPE DEPT CONTACTS ME. JESUS I AM TERRIFIED THAT I AM GOING TO GET A FORECLOSURE NOTICE AND HAVE TO GIVE UP MY HOME WITH 2 CHILDREN, AND A HOUSE I HAVE LIVED IN FOR THE LAST 17 YEARS!! I CANNOT SLEEP AT NIGHT, AND I AM PHYSICALLY ILL FROM THIS AND JUST DO NOT KNOW WHAT TO DO PLEASE HELP ME SHAWN MORSE

]]> By: Federal Loan Modification » Blog Archive » Countrywide Workout Department http://loanworkout.org/2007/07/facing-foreclosure-with-ameriquest/#comment-230 Federal Loan Modification » Blog Archive » Countrywide Workout Department Wed, 14 May 2008 22:06:25 +0000 http://loanworkout.org/2007/07/30/facing-foreclosure-with-ameriquest/#comment-230 [...] cite=”"> <code> <em> <i> <strike> <strong> « Countrywide’s HOPE Department Facing Foreclosure With Ameriquest [...] [...] cite=””> <code> <em> <i> <strike> <strong> « Countrywide’s HOPE Department Facing Foreclosure With Ameriquest [...]

]]> By: Kevin Kern http://loanworkout.org/2007/07/facing-foreclosure-with-ameriquest/#comment-229 Kevin Kern Wed, 30 Apr 2008 07:22:01 +0000 http://loanworkout.org/2007/07/30/facing-foreclosure-with-ameriquest/#comment-229 My wife and I had always paid early and until March 2008 we had never missed a mortgage payment. We are both employed by the same company and they recently filed bankruptcy so our savings account only went so far. Unfortunately it seems CW is very consistent! I have been dealing with them for over 4 months trying to refinance or attempt to reduce my prepayment penalty(which is governed by investors)and of course as you have all encountered it is like the twilight zone. Call after call they bully you then give you false hope while digging for information or a possible commitment from you(we need to update your information or we can't help line). I am done tomorrow I will be contacting the attorney general, my local HUD dept. and my congress woman. I am tired they will not control my life from now on. I am also going to fax all of these letters and as many letters as I can find about these crooks to the attorney general, HUD and my congress woman then, I will fax it to CW maybe one day they will help. My wife and I had always paid early and until March 2008 we had never missed a mortgage payment. We are both employed by the same company and they recently filed bankruptcy so our savings account only went so far. Unfortunately it seems CW is very consistent! I have been dealing with them for over 4 months trying to refinance or attempt to reduce my prepayment penalty(which is governed by investors)and of course as you have all encountered it is like the twilight zone. Call after call they bully you then give you false hope while digging for information or a possible commitment from you(we need to update your information or we can’t help line). I am done tomorrow I will be contacting the attorney general, my local HUD dept. and my congress woman. I am tired they will not control my life from now on. I am also going to fax all of these letters and as many letters as I can find about these crooks to the attorney general, HUD and my congress woman then, I will fax it to CW maybe one day they will help.

]]> By: Roz http://loanworkout.org/2007/07/facing-foreclosure-with-ameriquest/#comment-228 Roz Wed, 16 Apr 2008 16:58:21 +0000 http://loanworkout.org/2007/07/30/facing-foreclosure-with-ameriquest/#comment-228 I'm a single parent and Countrywide customer of 6 six years. I lost my job and fell behind on my payments. I recently accepted a job paying less money, then what I earned when I received my intial loan. In order to prevent foreclosure, I paid the past due amounts. Excluding the late fees. (I have over $700 in late fees) I was told by the workout/hope department that the late fees would continue to accumulate, if not paid. The option given was to increase my monthly pmt $459, over the next four months. Now, I'm risking my utility pmts, and having to go to food banks to feed my children. In order to make the arragement. What kind of workout/hope is that? I’m a single parent and Countrywide customer of 6 six years.
I lost my job and fell behind on my payments.
I recently accepted a job paying less money, then what I earned when I received my intial loan.

In order to prevent foreclosure, I paid the past due amounts. Excluding the late fees. (I have over $700 in late fees)

I was told by the workout/hope department that the late fees would continue to accumulate, if not paid. The option given was to increase my monthly pmt $459, over the next four months.

Now, I’m risking my utility pmts, and having to go to food banks to feed my children. In order to make the arragement.

What kind of workout/hope is that?

]]> By: Jamie Williams http://loanworkout.org/2007/07/facing-foreclosure-with-ameriquest/#comment-232 Jamie Williams Wed, 09 Apr 2008 04:05:00 +0000 http://loanworkout.org/2007/07/30/facing-foreclosure-with-ameriquest/#comment-232 My husband and I started our negotiation process in November 2007 and it is now April 2008. At first I called every day I would wait for ten minutes then get transfered at least four times after that and then eventually hung up on. I actually talked to my negotiator once, she said she needed our pay stubbs for the past four months and then she could send our information to her manager to be reviewed and to give her a call in a couple of days. I gave her a call and that was three months ago. I leave messages for her when I don't get hung up on and she never calls back. I make sure that I call to update my information...because that seems to be their catch. "If you don't update your information we can't help you"....I don't think they have any intention of helping us because we have not been late on our payments. I don't know what to do. Our payments will eventually go up. I'm wondering if there is 100% financing anywhere. We have good credit and the houses are priced really low now. Maybe if we could get another house for less with a 30 year fixed the payments would be less and we could say that we are going to rent our curent townhome out but really walk on the property after we aquire the other property. What do you think about that? Hopeless, Diamond Bar, CA. My husband and I started our negotiation process in November 2007 and it is now April 2008. At first I called every day I would wait for ten minutes then get transfered at least four times after that and then eventually hung up on. I actually talked to my negotiator once, she said she needed our pay stubbs for the past four months and then she could send our information to her manager to be reviewed and to give her a call in a couple of days. I gave her a call and that was three months ago. I leave messages for her when I don’t get hung up on and she never calls back. I make sure that I call to update my information…because that seems to be their catch. “If you don’t update your information we can’t help you”….I don’t think they have any intention of helping us because we have not been late on our payments. I don’t know what to do. Our payments will eventually go up.

I’m wondering if there is 100% financing anywhere. We have good credit and the houses are priced really low now. Maybe if we could get another house for less with a 30 year fixed the payments would be less and we could say that we are going to rent our curent townhome out but really walk on the property after we aquire the other property. What do you think about that?

Hopeless,
Diamond Bar, CA.

]]> By: ANGELES http://loanworkout.org/2007/07/facing-foreclosure-with-ameriquest/#comment-224 ANGELES Thu, 20 Mar 2008 05:47:36 +0000 http://loanworkout.org/2007/07/30/facing-foreclosure-with-ameriquest/#comment-224 I HAVE A LOT OF PROBLEMS WITH THE WAY COUNTRYWIDE HAVE HANDLE MY PAYMENTS. THE LIE THE ARE RUDE AND BAD CUSTOMER SERVISE. NO COMPASION. I NEVER HAS BEING LATE I USED TO PAY IN ADVANSE. IN DEC 207 THE TOLDME MY PAYMENT WAS REVESED FROM MY BANK AND THAT I HAVE ACUMULATED LATE CHARGE. THATS WHEN MY NIGHT MARE STARTE, I CALL MY BANK WIT A RUTE SUPERVISOR ACCUSING ME OF NOT BEING RESPONSABLE. MY BANK TOLD THE SUPERVISOR THAT IT WAS NO PAYMENT REVERSE. I WAS VERY UPSET. SHE TOLD ME IT WILL BE FIX NEVER AFTER THAT IT IS CONSTANTLY A NIGHT MARE THE DONT CREDIT MY DEC PAYMENT AND HAVE ME PAING LATE CHARGE. I HAVE SEND SEVEN LETTER NO RESPOND, I CALL EVERY DAY THEY HANG UP THE PHONE. I NEVER GAT A LETTER OF INTENT TO FORECLOSURE FOR ONE MONTH IN DEC THEY MAKE A MISTAKE AND THE LETTER OF FORCLOSURE WAS SOME WERE IN THE LOST. I NEVER NEW INTUL I CALL AND THEY GIVE ME THREE DAYS TO PAY $2000.00 AND TOLD ME A LLETER TO FORCLOSURE WAS MAIL FOR 14 DAY. I EXPLAIN I WAS OUT OF US FOR A FAMILY FUNERAL THAT I NEVER GAT THE LETTER, THE TOLD ME IS NOT THEIR PROBLEM. THAT THEY STOLEN MY MONEY, THE REFUSE TO CREDIT MY ACCOUNT.I PAY BUT I CAN NOLONGER CONTINUE LIKE THIS IS ABUSE IT. I HAVE NO MORE MONEY TO PAY. AND WERE IS MR ANGELO MOZIOLO? THEY DON,T HELP THIS IS THE WORSE DEAL.THIS COMPANY AS STOLEN MY MONEY , THE DON,T RESPOND TO MY LETTERS. WITH RETURN RESIVE FROM US MAIL THEY JUST WANT TO CONTINUE HARRASING ME. I SEND THEM PROVED OF PAYMENT THEY DONT CARE THEY JUST LIE OVER AND OVER. BUT IT IS A GOD THAT IS MY JUDGE AND I WILL NOT GIVE UP. ANGELO MOZILO CEO OF COUNTRYWIDE SHOULD PAY FOR ALL THIS LOAN PROBLEMS AND FOR EVERYONE THAT HAVE BEING MISTREATED AND NEED HELP. IS INHUMANE WHAT THEY ARE DOING, NOTHING LAST FOR EVER THIS COMPANY WILL GET CUT. TO MANY SAD STORIES. I PRAY FOR ALL OF YOU, PLEASE PRAY FOR ME. TRUST IN THE LORD WITH ALL YOU,R HEART AND HE WILL HELP DON,T GIVE UP. I HAVE A LOT OF PROBLEMS WITH THE WAY COUNTRYWIDE HAVE HANDLE MY
PAYMENTS.
THE LIE THE ARE RUDE AND BAD CUSTOMER SERVISE.
NO COMPASION.
I NEVER HAS BEING LATE I USED TO PAY IN ADVANSE.
IN DEC 207 THE TOLDME MY PAYMENT WAS REVESED FROM MY BANK AND THAT I HAVE ACUMULATED LATE CHARGE.
THATS WHEN MY NIGHT MARE STARTE, I CALL MY BANK WIT A RUTE SUPERVISOR ACCUSING ME OF NOT BEING RESPONSABLE.
MY BANK TOLD THE SUPERVISOR THAT IT WAS NO PAYMENT REVERSE.

I WAS VERY UPSET. SHE TOLD ME IT WILL BE FIX NEVER AFTER THAT
IT IS CONSTANTLY A NIGHT MARE THE DONT CREDIT MY DEC PAYMENT
AND HAVE ME PAING LATE CHARGE.
I HAVE SEND SEVEN LETTER NO RESPOND, I CALL EVERY DAY THEY HANG UP THE PHONE.
I NEVER GAT A LETTER OF INTENT TO FORECLOSURE FOR ONE MONTH IN DEC THEY MAKE A MISTAKE AND THE LETTER OF FORCLOSURE WAS SOME WERE IN THE LOST. I NEVER NEW INTUL I CALL AND THEY GIVE ME THREE DAYS TO PAY $2000.00 AND TOLD ME A LLETER TO FORCLOSURE
WAS MAIL FOR 14 DAY.
I EXPLAIN I WAS OUT OF US FOR A FAMILY FUNERAL THAT I NEVER GAT THE LETTER, THE TOLD ME IS NOT THEIR PROBLEM.
THAT THEY STOLEN MY MONEY, THE REFUSE TO CREDIT MY ACCOUNT.I PAY BUT I CAN NOLONGER CONTINUE LIKE THIS IS ABUSE IT. I HAVE NO MORE
MONEY TO PAY.
AND WERE IS MR ANGELO MOZIOLO?

THEY DON,T HELP THIS IS THE WORSE DEAL.THIS COMPANY AS STOLEN MY MONEY , THE DON,T RESPOND TO MY LETTERS. WITH RETURN RESIVE FROM US MAIL THEY JUST WANT TO CONTINUE HARRASING ME.
I SEND THEM PROVED OF PAYMENT THEY DONT CARE THEY JUST LIE OVER AND OVER. BUT IT IS A GOD THAT IS MY JUDGE AND I WILL NOT GIVE UP.
ANGELO MOZILO CEO OF COUNTRYWIDE SHOULD PAY FOR ALL THIS LOAN PROBLEMS AND FOR EVERYONE THAT HAVE BEING MISTREATED AND NEED HELP. IS INHUMANE WHAT THEY ARE DOING, NOTHING LAST FOR EVER THIS COMPANY WILL GET CUT.

TO MANY SAD STORIES.
I PRAY FOR ALL OF YOU, PLEASE PRAY FOR ME. TRUST IN THE LORD WITH ALL YOU,R HEART AND HE WILL HELP DON,T GIVE UP.

]]> By: Annie L. Foreman http://loanworkout.org/2007/07/facing-foreclosure-with-ameriquest/#comment-227 Annie L. Foreman Fri, 14 Mar 2008 23:02:24 +0000 http://loanworkout.org/2007/07/30/facing-foreclosure-with-ameriquest/#comment-227 Angela, My night mare has a twist, I received the letter of exceleration and when I called, I was told it was due to the fact that was a different department and they have different procedures and policy adherence that's why you were notified...Left hand not knowing what the right hand is doing, Mind you, there are legal fees assoiciated with the now due balance or else notification and I was told that making a payment since the start of the process would indicate you are able to make your payments, My sixteen year granddaughter has to work now. The Rep was so abrupt and inatentive, I invisioned her texting some one while I'm pleading my heart out to speak with management or any mediator. Angela,
My night mare has a twist, I received the letter of exceleration
and when I called, I was told it was due to the fact that was a different department and they have different procedures and policy adherence that’s why you were notified…Left hand not knowing what the right hand is doing, Mind you, there are legal fees assoiciated with the now due balance or else notification and I was told that making a payment since the start of the process would indicate you are able to make your payments, My sixteen year granddaughter has to work now.
The Rep was so abrupt and inatentive, I invisioned her texting some one while I’m pleading my heart out to speak with management or any mediator.

]]> By: Angela Webb http://loanworkout.org/2007/07/facing-foreclosure-with-ameriquest/#comment-226 Angela Webb Fri, 14 Mar 2008 21:46:18 +0000 http://loanworkout.org/2007/07/30/facing-foreclosure-with-ameriquest/#comment-226 Annie, I could be you and vice versa. Your story mirrors mine so well, that I don't even need to type another word. I just left a voicemail for the negotiator's supervisor. I am demanding they call me back. We have never spoke to our negotiator but have left NUMEROUS messages for her to call me back. WE received our modification back yesterday and we are paying more than we were before AND that does not include escrow. I was told by 4 different reps that we should NOT pay our February or March payment, and a rep today told me that both of those months have now gone against our credit - which is exactly what I didn't want to happen. Matter of fact, if I never would have begun this modification process, both of my payments would have been on time, regardless of what I had to do to make that happen. The request for modification was solely to try and head things off before I couldn't make a payment because things have gotten so tight for us since they jacked our rate up. I have been lied to continuously and Countrywide is ruining my life. I don't know what to do or where to turn. Annie,

I could be you and vice versa. Your story mirrors mine so well, that I don’t even need to type another word. I just left a voicemail for the negotiator’s supervisor. I am demanding they call me back. We have never spoke to our negotiator but have left NUMEROUS messages for her to call me back. WE received our modification back yesterday and we are paying more than we were before AND that does not include escrow. I was told by 4 different reps that we should NOT pay our February or March payment, and a rep today told me that both of those months have now gone against our credit – which is exactly what I didn’t want to happen. Matter of fact, if I never would have begun this modification process, both of my payments would have been on time, regardless of what I had to do to make that happen. The request for modification was solely to try and head things off before I couldn’t make a payment because things have gotten so tight for us since they jacked our rate up. I have been lied to continuously and Countrywide is ruining my life. I don’t know what to do or where to turn.

]]> By: Annie L. Foreman http://loanworkout.org/2007/07/facing-foreclosure-with-ameriquest/#comment-225 Annie L. Foreman Fri, 14 Mar 2008 00:30:50 +0000 http://loanworkout.org/2007/07/30/facing-foreclosure-with-ameriquest/#comment-225 Oh my God, I see myself in every blog, my issue was the Reps that took my numerous calls , processed the same update information exhausting my lunch hour since I'm in EST time zone and can never speak to my assigned mediator, Latisha Jackson?/ each week for three months faithfully and proactively asked where the modification application process was, is anything needed, No, Ms Foreman it is now in management review, don't make a payment your account has been flagged, and recognized so nothing else legal would happen during the modification attempt. I have phone records as documentation of my attempts and of course the names of consultants that would of course mysterically would be no longer be employed there in the event worse comes to worse. Today a young lady name Kelly at extension 2944 said to me " I would never have advised not to make your payment" My heart went to my stomach, How could they be so cruel, at this rate we all will be living in cardboard boxes. Oh my God, I see myself in every blog, my issue was the Reps that took my numerous calls , processed the same update information exhausting my lunch hour since I’m in EST time zone and can never speak to my assigned mediator, Latisha Jackson?/ each week for three months faithfully and proactively asked where the modification application process was, is anything needed, No, Ms Foreman it is now in management review, don’t make a payment your account has been flagged, and recognized so nothing else legal would happen during the modification attempt. I have phone records as documentation of my attempts and of course the names of consultants that would of course mysterically would be no longer be employed there in the event worse comes to worse. Today a young lady name Kelly at extension 2944 said to me ” I would never have advised not to make your payment” My heart went to my stomach, How could they
be so cruel, at this rate we all will be living in cardboard boxes.

]]> By: Christine http://loanworkout.org/2007/07/facing-foreclosure-with-ameriquest/#comment-223 Christine Mon, 10 Mar 2008 23:39:39 +0000 http://loanworkout.org/2007/07/30/facing-foreclosure-with-ameriquest/#comment-223 We came across just about all of the above situations with countrywide. We have been trying to work with them since Nov. We had a dramatic loss of income new we were going to become behind. We were already living paycheck to paycheck, cutting back on a lot of things. We just called today, and we are back to where we were then. I'm surprised they have not done anything with out home yet, waiting each day for them to slap that sticker. We asked them from the beginning if they could lower our payments. They told us they can not do anything until we are two months behind. Called again, now they said there is nothing they can do except add the late payments to our existing pay(one that we said we can not afford now) so now instead of a $2300/month mortgage, we now have a $2700/month mortgage. Wow, that really would help us now. I hear the same things on tv, read them in the newspapers, and get letters from them offering ways in which they could help. You call them (and when you can get in touch with them) they say, no we can not do this or that. We are now 5 months past due and they said to fax the info. again, to them, but the only thing they could probably do is add 5 months of payments over the next so many months on top of our payment we have now. Our interest rate is only fixed until Oct. right now we are at 8.65%. We talked to a couple of other banks and they said they can get us a loan with a much lower interest rate (would save at least $400mth.), but we need to get current. My husband told countrywide that and asked if there is anything they could do to work with us to show we are current so they could get rid of us. They will get their total amount with interest paid to them and it's one less home they have on their hands (the ones they say they do not want). They said there is nothing they can do. My husband told them if we go into foreclosure, he will rip off our new siding, windows, and leave a shell. They really will lose out. The girl went quiet. They call you in the middle of the day, while you're at work, leave a message. When you call back you get disconnected, or get a machine and you then leave a message. One time my husband called and could not get in touch with the person who called us, so someone else took care of us (she was actually was really nice). She took all the info and said they would get back to us in 3-4 weeks. Get a letter saying we were denied, because we did not call them back. Called them to explain, they said we can not help you, you have to talk to the person that has left previous messages. We said what about the girl that took our info, they said no you need to talk to this other girl. Can not receive calls at work, asked them if they could call after a certain time. They call back the next day, in the middle of the day, AGAIN. They do not want to help. It's not like we are letting it go and ignoring the issue, we have been trying to offer to give them money. They will not take it because, "IT WILL NOT GO WHERE IT SHOULD GO." I am just fed up with them. We have a little 3 year old, and have to wonder every day whether or not she will have a home to live in. Is it possible to start a "CLASS ACTION" SUIT? If so, how do you go about doing it. It's one thing if you are ignoring the problem, but it's another when you are trying to work something out, but they will not work with you. Things happen! This does not seem legal, but it seem like these companies can get away with anything they want. Screw the consumers. If it wasn't for us, they wouldn't be in business. We came across just about all of the above situations with countrywide. We have been trying to work with them since Nov. We had a dramatic loss of income new we were going to become behind. We were already living paycheck to paycheck, cutting back on a lot of things. We just called today, and we are back to where we were then. I’m surprised they have not done anything with out home yet, waiting each day for them to slap that sticker. We asked them from the beginning if they could lower our payments. They told us they can not do anything until we are two months behind. Called again, now they said there is nothing they can do except add the late payments to our existing pay(one that we said we can not afford now) so now instead of a $2300/month mortgage, we now have a $2700/month mortgage. Wow, that really would help us now.

I hear the same things on tv, read them in the newspapers, and get letters from them offering ways in which they could help. You call them (and when you can get in touch with them) they say, no we can not do this or that. We are now 5 months past due and they said to fax the info. again, to them, but the only thing they could probably do is add 5 months of payments over the next so many months on top of our payment we have now. Our interest rate is only fixed until Oct. right now we are at 8.65%. We talked to a couple of other banks and they said they can get us a loan with a much lower interest rate (would save at least $400mth.), but we need to get current. My husband told countrywide that and asked if there is anything they could do to work with us to show we are current so they could get rid of us. They will get their total amount with interest paid to them and it’s one less home they have on their hands (the ones they say they do not want). They said there is nothing they can do. My husband told them if we go into foreclosure, he will rip off our new siding, windows, and leave a shell. They really will lose out. The girl went quiet.

They call you in the middle of the day, while you’re at work, leave a message. When you call back you get disconnected, or get a machine and you then leave a message. One time my husband called and could not get in touch with the person who called us, so someone else took care of us (she was actually was really nice). She took all the info and said they would get back to us in 3-4 weeks. Get a letter saying we were denied, because we did not call them back. Called them to explain, they said we can not help you, you have to talk to the person that has left previous messages. We said what about the girl that took our info, they said no you need to talk to this other girl. Can not receive calls at work, asked them if they could call after a certain time. They call back the next day, in the middle of the day, AGAIN. They do not want to help.

It’s not like we are letting it go and ignoring the issue, we have been trying to offer to give them money. They will not take it because, “IT WILL NOT GO WHERE IT SHOULD GO.” I am just fed up with them. We have a little 3 year old, and have to wonder every day whether or not she will have a home to live in.

Is it possible to start a “CLASS ACTION” SUIT? If so, how do you go about doing it. It’s one thing if you are ignoring the problem, but it’s another when you are trying to work something out, but they will not work with you. Things happen! This does not seem legal, but it seem like these companies can get away with anything they want. Screw the consumers. If it wasn’t for us, they wouldn’t be in business.

]]>