Countrywide Home Loans
Ripoff is not a company looking to help people in need

Like many other people here, our mortgage had been handed over to Countrywide about 3-4 months after we bought our house in December. Everything started back in February. I had to quit work on December 26 while my boyfriend was still working. We were able to pay January's monthly note, but started struggling with bills in February. I started calling Countrywide in February and telling them I was out of work and pregnant but I was continuously looking for work. I contacted them every month. We got a letter in the mail the first of April stating that if they did not receive $3,000.00 in their office then they would foreclose. We did not have the money so I had to ask my parents for the money. (I am 22 and my boyfriend is 29). They reluctantly paid the $3,000.00 the second week of April.

We were going to be able to keep all bills current until my son was born. My son was born on Sunday, April 25th. I started having complications the next morning and was on a ventilator in ICU for a week (the doctors had told my boyfriend and parents that they weren't sure if they were going to be able to save me or not).

Because my boyfriend wanted to come visit me when he could, he missed work that whole week and lost pay, so we got behind on bills again. Once I got home from the hospital and recovered, I started looking for work again and kept contacting Countrywide every month. They kept saying, "The only option we have is the repayment plan." Then they would look at our income and say, "We can't do the repayment plan because ya'll don't make enough." So they kept giving us the run around and leaving us out to dry. After several months, they finally sent us a workout assistance package. I made copies of all our tax returns, bank statements, etc. And mailed them off. I sent everything that they said they needed, but yet they sent us a letter back saying they needed more information.

I kept asking them if they would take partial payments and they said no, that if we sent a payment in less than the monthly amount that they would either send it back or hold onto until we sent the rest. I was not about to send a partial payment and them misplace it and have another ordeal to go through. I was off work for 9 months when I finally got a job on September 7. The next day I called Countrywide and they told me that there were three options we could qualify for... Repayment plan, partial claim, and loan modification.

I wanted to get the partial claim, but NO, they said we qualified for the loan modification so they sent us the paperwork via UPS. I received the paper work Monday October 4. Get this... They wanted all the paperwork PLUS $960.00 back in their office by the next Monday, October 11!!! Now how do you think we could give them $960.00 when we can't even make one monthly note?!?!?!?!?!? A week prior to that my boyfriend had been laid off from work so here we are again down to just one income. So I called the next day the person I spoke with about the workout packages. He said I needed to contact the guy that actually did the package. So I contacted him. He said he could only extend it for 5 more days and see if we could come up with the money. I told him there is no way we could come up with the funds so he said he would cancel it and I could call back that same day and qualify for a different workout package.

I did just that, but when I questioned it, the guy said we couldn't qualify for anything else until we came up the funds. Here again we get the run around and two totally different stories. They keep sending us letters and using an automated voice mail system to leave messages. If they really truly cared about their customers, they would get a real life person to call. So now our house is close to being foreclosed. We received a letter from a Recovery Counseling Service that works with Countrywide stating that the sale date is 12/15/04. The only letter we have gotten from Countrywide about the foreclosure is stating that it will be foreclosed on within the next 60 to 90 days. We have been in constant contact with our bankrupcty attorney and she said they MUST give you a formal letter of the sale date and that they MUST give us 10 days to get out of the house. I'm tired of calling Countrywide and getting the run around and getting different stories.

They have given up on us so I am tired of calling them and now I'm giving up on them. This company has hurt us deeply, emotionally, physcially, and mentally. Now we have to hope and pray we have a place to live daily. My son is now 7 months old and I have to worry about if there is going to be roof over his head or not. We have looked at apartments but have not applied yet. And I'm not sure if we can even get an apartment with just my income. I am so scared that we are going to be left out in the cold just because of this fraudulent company who does not give a rat's behind about any of their customers and who are not willing to work with their customers. My dad always taught me that if I get in a bind with bills to call the companies from the start and they will work with you... YEAH RIGHT!!! Countrywide has no intention of working with anyone that needs the assistance. If there is a lawsuit against Countrywide, I would more than happy like to take part in it.

Michelle
Brighton, Tennessee
U.S.A.

Company: Countrywide Home Loans
Country: USA
State: California
City: Van Nuys

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