Please, all future or current home loan consumers beware! The stories you read about Countrywide Home Loans are very real and I know first hand because it happened to us.
1. They give you foney employees and phone numbers as contact persons. When this happened to us we weren't in bankrupcy yet, but trying desperatly to stay out of it by talking with them and trying to work with them. They literally gave us the name of someone who never worked there and then never answered our calls.
2. They hold onto checks saying that they never recieved them, or hold onto them and SEND THEM BACK UNCASHED!!! The money was in the bank, ready for them to cash the check. On the first ocassion they returned the check saying that we were now three months behind when we would only be behind on one payment (also after they told us not to make anymore payments, that they would put the payments on the arrears of the loan). We were automatically in forclosure.
The second time they held onto the check so long that they threatened us with lawyers again (just withing the last two weeks mind you) because we were behind on payments again and wanted us to pay the legal fees. They of course found the check and cashed it the day we got the lawyers papers in the mail.
3. This fraudulent person told us on the phone that they were willing to work with us, told us not to make any more payments since the behind payments were going to be put on the arrears of the loan. I believed them hoping that this was an end to a very long and dark tunnel only to find out that this was just the beginning to an even darker and longer tunnel. After taking the advise of this non-person we were very quickly told that we were three months behind and our house would forclose in a month. Thankfully we were able to go into chapter 13 (which is a whole other mess in itself, won't go into that here).
It has been 4 years that we have been fighting these people and we should be refinancing the beginning of next month and we have also gotten out of bankrupcy. IF YOU HAVE ANY CHOICE AT ALL, CHOOSE SOMEONE ELSE!!! Do not use them if you can help it. If they did it to us, our three small children, nephew, and my husbands mother they will do it to your family.
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