Okay, i have read all of these usacomplaints.com about option one, and remarkably, they are all very similar to what i have been going thru with them. All of the phone calls (10 - 15 a day) harrassment, calling my wifes work etc... We re-financed our home to get a lower rate, and we were given an adjustable rate and we were told we could, after a year, re-finance again. Dont believe it, we tried that and were told no, cant remember the reason. Now, i have lost my job, and our payments just kept going up, up, up, till we can no longer make them, and they know we cannot, so now, they give us till monday to come up with an exorbitant amount of money or face forclosure, NICE.
We also dealt with the payments NOT being posted and getting charged late fees, even when they were sent early, so we had to start sending certified, that stopped that, but they still called all the time, before the payment was due. DO NOT use option one, all they want is the property.
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