My husband and I are first time homebuyers from INDIANA and have been taken on the ride of our lifes by FAIRBANKS CAPITAL CORPORATION!
It has been an emotional roller coaster ride going on 2 years of dealing with these scum bags. Our ride began when we were informed by Fairbanks that we were months past due on our mortgage. We had absolutely no idea who they were let alone that they had bought our loan. We had been making our monthly payments on time not to FAIRBANKS but to the bank that we signed the loan with. Ofcourse, FAIRBANKS had no record of those payments and at that time, not knowing what was ahead of us we went ahead and sent in the amount to bring the account current (which anyone who has delt with FAIRBANKS knows that bringing the account current has many hidden meanings).
A few months pass and we were informed that FORCEPLACED HAZARD INSURANCE had been placed upon our loan, causing our payment to increase a great amount. I explained to the always cheerful, polite representative (HA! Ha! -NOT) that we had to have proof of insurance when we purchased the home!!! Which was a waste of my time explaining anything (she had heard it all before, she knew what to tell me) She told me that I needed to call a different number and speak with them regarding the insurance. Months pass and the forceplaced insurance still remained on the loan after countless phone calls and faxes not only by us, but by our own insurance agent. To this date this matter still isn't resolved!
Next came the never ending phone calls by those "wonderful" (NOT) representatives, telling us that our payment was late and that we were again past due on the loan. They tell us we need to western union QUICK COLLECT payment and call them back with the control number - we send the money make the call giving them the control number - 2 months pass and the phone calls begin again, then comes the bogus attorney fees and late fee's. Then foreclosure proceedings begin...
We finally catch onto their little operation, our payments weren't being applied to our account (even after calling them with control numbers for western union transactions), when amounts and dates were questioned the only thing that the representatives agreed on was that we were months past due and that attorney fee's and late fees increased call after call. The statements never came before payment was due and then when they came we could never figure them out, our payments never showed the escrow account had us in the negitive...
FAIRBANKS CAPITAL AND IT'S EMPLOYEES have drained us both financially and physically! This website and others who have been taken by FAIRBANKS. Gives us the strength and the hope to see that this company pays back what they have stolen!!!
I live in INDIANA and ask all of you that do and those that don't continue to write letters, contact media sources, with all of us working together perhaps soon this RIPOFF company will fall to the ground and pay back what they have stolen!
I have one final comment, those of you who work for FAIRBANKS CAPITAL CORPORATION especially the Customer Service Representatives. I honestly don't know how you can sleep at night, and I am sure that when the proper authorities/media get involved you will all claim that you didn't know. You do know all of us share the same story... One you hear everyday and choose to follow your script sheet and ignore! You should get out while you can. Do you really think that a company that would scam, steal and lie to it's own customers is going to be there to take care of you when you fall? I think NOT!
Maybe there is someone reading this who works for FAIRBANKS or knows someone that does, why not come clean with your conscious. You might be that one person who can provide information to make sure that next customer doesn't fall victim to FAIRBANKS CAPITAL CORPORATION!!!
Donna
Mooreland, Indiana
U.S.A.
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