My mortgage was sold one month after closing to Countrywide and it has been a disaster every since. I closed in December and in January when they bought my loan they took $960 from my escrow account for my hazard insurance which was prepaid in Dec. At my closing for a whole year, they deducted it again in Dec 04, I sent them faxes, letters etc never got it corrected. I have confirmation letters from Countrywide for payments recieved that they say they never got.in Aug Countrywide deducted $1600 from my checking acct. That was not authorized, I had mailed them a check and they took it from my checking acct. I called and went through hoops to get the money put back into my account. They put the correct amount back into the account but deducted way too much from my statement of payments, I tried to get them to correct it and they could not understand. It made it look as though I was way behind on payments. When I would call them a cs rep would say "You had a check returned and that is why you are behind" I would tell them no you took money out of my checking acct that was not authorized and I did make the payment by check. It was a disaster. When I sent all the information to the research department I got a letter saying they would respond within 20 days, I never got an answer left tons of messages still nothing finally I get forclosure papers. I had no choice but to file chapter 13 to try to save my house. That ended up being just as bad if not worse. Three months into the bankruptsy we get papers showing my new payment on my house went from $944 to $1740 month due to shortage in escroe of $5k. My attorney filed an amendment to my plan including that amount. Still Jeff Dwire representing Countrywide filed an affadavit with the courts that I had not made my scheduled payments in the amount of $1736.21 (where that came from who knows) for 3 months so my bankruptsy was dismissed. I made the payments in the amount of $944 of course the records do not reflect that. The amount they say I was behind was BS in the first place due to their accounting being so screwed up! My attorney filed a motion to reinstate but it was denied. Then 2 weeks after it was denied, with no advance notice from Countrywide that my house was going to be forclosed on, I got some advertisements in the mail about my house going to be sold at a forclosure sale, so I went to the court house that day to see if it was true. My house was listed for sale so I found the Trustee and gave him a certified copy of a notice that I had filed at the courthouse minutes before stating that a suite was going to be filed against Countrywide, Jeff Dwire and the attorneys Barrett Burke Wilson Castle Daffin & Frappier for knowingly filing false statements in my bankruptsy with the express purpose and intent of obtaining an unwarranted dismissal of my bankruptsy. I handed out copies to all the buyers at the sale and spoke directly to the trustee. The trustee very specifically told me that my house had not sold and that he had pulled it from the list and would give a copy of the notice to the attorneys for Countrywide and to Countrywide. That was a lie obviously because I now have recieved notice (4 days later) that my house was actually sold at the forclosure sale that day and I have 3 days to get out. I am a single mom with a 4 yr. Old and 6 yr. Old and I cannot even believe this has happened to me. Countrywide is the most unethical bunch of liars I have ever seen in my life. This is our home how can they do this and get away with it!
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