This company makes promises and/or agreements and then acts like they didn't. They act like they know nothing and just keep putting you on hold. They do not keep their word and you can't believe anything said. They are ugly to you on the phone also, no respect! They hold money in suspense and make you look late. They don't waive fees as promised and they take fees out of your payments that aren't authorized or even known about. You never get statements on time and they never seem to post payments correctly.
I just had a conversation with someone there who told me the money had been taken out of suspense and applied to two payments (Jan. and Feb.). {This was promised before, so I won't believe it till I see it.} I said to this person, "What about the fact that it looks like I've been late all this time?" Of course, I'm put on hold, and then she comes back and says, "Is there anything else I can help you with?" At this point I gave up. Same old thing, and you just get sick of it!
I was crying and very upset back in Oct. because of how an employee was treating me on the phone. Everything that I've seen here on this site is the same thing happening to us. We have 8 children and can't afford an attorney. And of course, like many here, we can't refinance due to credit.
I would like to note here also that on the back of our mortgage statement there is a list of {special servicing request and fee schedule}. It lists a "modification," which means a "mortgage modification," at a cost of 350.00.
I called three separate times and got three separate answers. "Yes, we do mortgage mods" - I got this answer 2 times, and one time I got a no. It's listed as a service, so can we make them do one then? I think you should look up mortgage modification on Google, and then everyone try and get one! Our rate is 11% and we need it reduced. We really would like to get out from under this company, but we don't know how. Anyone who can help, please email us. Thanks.
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