I agree with you Brenda. We have had our mortgage with them and no problems. Until I was laid off last year and I just got a full time long term temporary assignment a year later. About 4 months after I got laid off my husband lost his job. Talk about stress.
Well Homecomings has not been the most considerate company. On your statements there is always this clause about if things aren't right. Please call us and maybe we can help. That is a lie. Homecomings attempted to help us. I had to contact someone in their consumer credit department. After all was said and done, the lady tells me that we just need better jobs with more income. I was like no stuff, wow what tipped you off.
Shortly after that we made payments, but like you since it was not the full amount it went into a supsence account. The killing part is they don't put it on your statement. Even when you call the reps acted as if you didn't send anything. Once you mention that you sent some money then they will say, "oh... Yes I see it, but since it was not the full amount we put it into a suspense account." They are making more money. Just think about it. If 1,000 people send in a payment that is not the full mortgage amount. And Homecomings stick in an account were they draw interest on your money. The interest earned will not go toward your account at all. I know this coming from the banking industry. Can you image the amount of interest? I'm talking thousands of dollars.
Well we were almost 3 months behind. I sent them a payment and they returned it. I called the company and the rep could not understand what was going on. He told me to send it again. I did and it was returned for the 2nd time. This time I got a different rep who was "RUDE". I had to constantly tell him to stop interrrupting me. He later told me that the funds were returned because they weren't "certified funds". I told him my bank did the transaction and they don't send the money if it isn't there.
So then I had to Money Gram or Western union. I went to the store to send the payment Money Gram, just to find out they would not accept it. I called and was told to Western Union it. I told him, that they should take the Money Gram off the statement as an option, if you can't use it. And this payment was more than the monthly amount.
They are crooks and are looking for ways to take our homes! I am still praying that we can get away from them without losing our home. I told them, I would not be in this bind if we wouldn't lost our jobs. I think they believe we are liars. Yes some people lie, but my husband and I have work too hard and saved for many years to get a house. And we are not just going to give up. I think the other thing they do is add the fees to drive up the cost.
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