We are looking for individuals to help with a case against this company. We were sickened to see that so many individuals have had the same problems as our family. Please email us, email this company, make reports to the Better Business Beareu at www.BBB.com There are over 200 reports with the Better Business Beareu at this time on this company. OUR STORY
We fell behind on our payments, we were offered a repayment plan by Mr. Roger Barton with H.F. We signed the documents. On the plan we were to pay July make no payment in AUG and resume in Sept. We did this, we received notice that our repayment plan failed in Sept because we did not make AUG payment. We left messages explaining that we did not have to make the AUG payment. No call back, assumed everything fine. Then we received foreclosure letter. We finally got in touch with a rep who totally dismissed the repayment plan and said that we could then enter into another repayment plan including attorney fees etc.
We did enter into a 2nd repayment plan. At this time just to save our home. We decided to enter into the plan only to refinance and get away from this company. Little did we know that they would code our credit report with a M8 which is FORECLSURE status which means, no mortgage company will refinance your mortgage with this coding. Every mortgage company we contacted could not believe that H.F. Had coded our credit this way.
In July we had a property to sell so finally we could repay the repayment plan in full and be done with H.F. We were so thrilled. We took all of the money that we could gather, our payment was late, but we wanted to wait and send in the full repayment amount when the other property closed, so we would be completely paid with H.F. We sent in over $5400.00, $4200.00 of this was the repayment plan, the other, was to bring us ahead one month.
You can only imagine that it was not the end of the nightmare. Even though we sent the repayment plan in, we are in FORECLOSURE again. WHY? Because the payment was made late (16 DAYS) so now, they are offering a 3rd repayment plan, so we can pay off over $1200.00 in attorneys fees. Which will keep the M8 Code on the credit report. I asked the rep, do you make phone calls or send letters before sending a home into foreclosure, he responded with NO, we do not have to. We are gathering all of our history of this loan, I am printing off reports on this site, I am making a complaint with the Better Business Beareu, we are seeing an attorney.
PEOPLE, there are laws that these mortgage companies have to follow, this company cannot be following the laws of the FAIR DEBT COLLECTION ACTS!
We may have been uninformed of our rights the 1st and 2nd repayment plans, but we will not be stupid enough to fall into the H.F. Pits of a 3rd repayment plan.By the way, what about insane attorney fees? I believe that there are caps on charges that these so called specialists in foreclosure proceedings charge. Supposedly our account was "sent" over to the foreclosure specialist on AUG 18, we paid AUG 21 A.M. And now AUG 22 at 9 A.M. We owe over $1000.00 more in attorney fees. What b.S. The attorney hasn't made a phone call, mailed a letter, nothing. So how have charges of over $1000.00 accumulated?
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