My husband and I refinanced our home to do a remodel/addition in Jan. Unfortunately the mortgage company went belly up and our 1st and 2nd went to two different mortgage companies. HomEq is our 2nd. We tried to refinance in June after the remodel/addtion was done but the market crashed and loan programs were closing or shutting down overnight.
We have been trying since August 07 to deal with this mortgage company and all that we could get was well we can only split a months payment into 3 months. Gee that defeats the purpose of helping us out or lowering our payment.
This situation is starting to get totally out of hand. We are now filing chapter 7 in an attempt to save our house of 9 years. But talking to these mortgage companies is like talking to a brick wall and getting no were fast. I have demanded speaking to a supervisor and they have no clue as to what is going on as well. Does anyone know what they are doing and what is going on?
My last conversation 3/5/08 with HomEq (James) was let me update your financials. Well from what I can see here. You should have never been approved for this loan and I have no idea how you ever were approved. I will not recommend any kind of loan modification or assistance what so ever and you should do a short sale and be done with it. Gee James thank you for your help and kind words after dealing with a bunch of idoit mortgage companies that are "so called" helping us out in keeping our homes from foreclosures. After all that I had to cashier's my payment and send it overnight to the North Highlands address. I hope they applied our payment to the correct account as I put our acct # on it, after reading all of these complaints it's pretty disheartening!
And this isn't the only mortgage company I will be filing a complaint on. What ever happened to customer service? Let me tell you all there is NO customer service with these mortgage companies. They have no clue what grief and heartache they are causing people. No wonder people are losing their homes they are giving up because of the stupidity of these "so called" helpful mortgage representatives. I say there is a huge lack of customer service.
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