I have been fighting Homeq that bought my loan from Ameriquest of all companies. They pulled the same crap on me. It is increadible. You seem as tenacious as I am. We need to get together and talk. I have some additional info for you. I have researched this company and know a lot more of their tricks. I also have many years of doing this kind of research.
I had heart failure and missed a couple months. We we on a payment plan and made the last payment on 10/26. This was just before it was about to change to the ARM. They said that they did not recieve my payment and did not credit my account. They claimed I gave them the wrong routing number, the same I have been using for years. When I called to make my payment they told me I owed for two months plus fees and penalties and yes you had no choice but to be routed to the collections department. You cannot speak to the same rep twice and cannot be transferred to a supervisor or another dept. They just give you the f'ing fax number to Customer relations.
I faxed my cashed check in five times, and conferenced call with my bank manager. They always assured that they would take care of it no problem. They would'nt even confirm that they were recieving my faxes. I ended up in foreclosure/loss mitigation withing 20 days. They sent one of those 500.00 letters out every month. Corporate fees! I wrote everyone from the ftc, cpa, bbb, Minnesota and Ca. Senators. Reps The community action group for foreclosure prevention couldn't even get anywhere with them.
The place you need to report them to is your state dept of commerce and the DEPT of Corporations in CA. I think they are in Sacramento. They are the governing agency. Don't bother with your attorney general. It is all voluntary cooperation. After making a stink about all of this and the extra thousands of charges they sent me a apology letter and said that they are sorry that they missapplied my payment, they reversed all the charges and notified all three credit bureaus, there would be no mention of late payments or foreclosure. I thought it was fixed.
I called to set up a payment and they said that they had no record of the apology letter from, 1/29 and promptly asked me to fax it to customer relations and they would take care of it. Now they were not accepting any money so they could proceed with the foreclosure. I notified the AG of Minnesota and they had to write them twice to get a response. Finally in march 31. They faxed her a letter that they said they had sent to me. It was a totally different letter.
This letter named the months that were supposed to be corrected with the credit bureaus and reversed penalties and applied my payment. I went shopping for a new mortgage and kept getting turned down at the last minute. We can cover the mortgage at 6.5% or even 8% but not 13% is 1500.00 over what we were paying. Finally I pulled my credit in nov and found out that they not only didn't correct my credit but instead of owing 173k I owed 179k. I sent the credit bureaus the letter of apology from HOMEQ to correct it and Homeq refused to change it. When I called the AG of MN they couldn't have cared less that they were sent fraudulent information and did nothing.
It is important to know that when I started complaining about Homeq there were only a few complaints. Now I see hundreds. We need to get together and sue thes SOB's and get our money back. I was always optimistic that I could fix a simple misapplied check but TODAY I am going to foreclose. They have literally distroyed my life as I knew it for 15 years. I have no credit. My husbands is in the 400's. No one will give us a loan. Our credit companies are all suing us. I get my groceries from charity. I owe 2k on my gas bill. My insurance company ran my credit and cancelled. My dentist won't even let me go on a payment plan.
Now my home owners association is suing me for the fees we couldn't pay. I give up, F them. The mortgage is now up side down and they will loose their butts. The HOA will have a 20k deficit. 16 k of which is law fees. AND I live in MN which takes almost a year to foreclose. So I am not paying them nothin. I will save my money and get the family a new place. I still can't believe I couldn't resolve this. But I will keep fighting and hopefully sue them in the near future. I have kept all the documentation and id numbers of reps since day one.
I will not stop until they are out of business. I must say it looks incouraging but sad to see that the same thing is happening to so many more families.
Good luck, If anyone would like to contact me for more information email me with the subject HOMEQ STINKS at [email protected] and I will do what I can to get you the information I have gathered.
Good luck everyone.
Wildcat
Lisa
Bloomington, Minnesota
U.S.A.
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