I only entered in the Utah address, but this really applies to any UnFairbanks address—Utah, Pennsylvania, Kentucky, Florida, doesn't matter&the same level of deceit and rudeness lives in any and all of their sister companies.
In 1996, we were railroaded into a balloon mortgage with ContiMortgage Co. Who should also be reported here as well. However, our real nightmares began when they sold our loan to Fairbanks, three years ago.
Like others who've reported here, we never knew our mortgage had been sold until we started getting payment coupons from Fairbanks.
Three or four months later we tried to refinance. Up to this time, we'd never been seriously late—no more than 10 days. Well, imagine our surprise when we get told by the new company we're trying to get in with that Fairbanks says we've been 30 days late every month for the past 12!
However—get this—this is NOT reflected in our credit history! This new place wanted written confirmation that we had not been late&why, I don't know. Our credit report should have been good enough. Fairbanks wouldn't give it. Stood by their lies and yelled, screamed, and hung up on whoever tried to call them about this matter. Needless to say, we didn't get the loan. And we'd paid out $300 for an appraisal as well. Money we really couldn't afford to lose if we weren't going to get the loan.
A few months later, my husband's work slowed down. People were laid off, hours were cut—I wasn't working ourstide the home at the time. For the first time in years, we were later than the 10 days. When the collection guy called to find out what was happening, the first thing he said was, "Hey! What happened to you guys? You're never more than 10 days late!"
Excuse me—What??!!!
Because they wouldn't work out a suitable payment plan to fit our circumstances then, we only sunk in deeper. Before this first bad dream ended, we paid them over $5000 over what we actually owed, due to their fees and costs for things very likely unnecessary. Once this forebearance ended, we thought we'd be fine.
But nope&they conveniently "lost"."mislaid", or miscredited our Nov. Payment. Even as we were protesting and sending copy after copy of the proof of payment, they began yet another foreclosure on us. Which even after they located the payment (which they never notified us they had. We found out they'd found it from our State Attorney General's office.) they did nothing to stop the foreclosure. Said it didn't matter as we were missing several other payments as well.
What absolute morons! How could we be missing payments during a forebearance agreement? I proved again we'd made those payments. A couple of which, I had to reprove several times. Again, didn't matter. Another $4000 went out the door to them. We're finally over that, and here they are saying March's payment wasn't received. Funny here it is on April's statement—PAID.
Okay, I get together all the various forms of proof of that payment, plus Aug. Of 2001 which they still wanted to say they hadn't got and I send it out. Just after I did, we receive a paper noting all these payments were received. Noticed that this bit of info came from a different office than the claim we owed had. You want to tell me in this day and age, these people can't get their act ooordinated so this kind of thing won't happen?
Well, don't you know, this week we're notified that our mortgage has been sold again to some company in California—SN Servicing Corporation. How nice. New nightmares with a new company, most likely. Nice of them to, this time, tell us about it, though.
I've done the math, and with what we've paid them, the house could almost have been ours already. We've paid them close to the $63,000 we borrowed, yet only about $1000 has gone on the principal in all this time. How discouraging!
While we haven't been bothered every nonth with guys coming to the door to make sure we still live here, we've been bothered on several occasions, and have had their notices stuck in our door. A woman dropped by to take a picture. We've received their deliquent notices in the past with six or seven other people's notices stuck in there. Now there's confidentiality for you!
Have any of you had someone demand to know just what you've been spending your money on that you can't come up with the cash to pay your loan? We have more than once. Finally learned to tell them it was none of their business. Yes, we've even been told that we shouldn't be paying our fuel bill before the mortgage and this in the dead of winter that $100 a week is too much to spent on food for our family of 2 adults and 3 teenaged boys.
In a country that touts freedom for all, we shouldn't have to fear losing our homes to these types of characters. I can't imagine coming home from work or wherever, like another person posted here, and finding my home being raided and snatched away. I know I'd be writing every newspaper in the country, if not the world, about it. Must be nice to play God with people's lives like they do.
But—they assure us that we are Valued Customers! That as such, we are entitled to be treated with respect.
Heh! Yeah, right. When are they planning to start?
They have worked hard to so thoroughly screw up our credit that we probably can't borrow a pencil, never mind a loan to get out of this mess. I'm beginning to think that bankruptcy can't possibly be worse. Even so, we will continue to fight to keep our home, no matter what corporate monster takes over the loan.
Count us in as two more of their dissatisfied "valued" customers.
Neenah
Granville, New York
U.S.A.
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