Thank you so much

You may contact me via e-mail and/or 215-910-7582.

Four years ago I borrowed $65,000 against my house that was paid for! And bought a fixer upper to buy and sell! After only three months of late or non-payment Countrywide filled papers for repo on my existing home, so I immediately reduced the price of the fixer upper to sell fast The day of closing we called countrywide for the actual pay off balance on that day, we sent them the check right after we closed for the amount in question. One month latter there calling to ask where our house payment was..And then said they were not paid off because of there foreclosure attorney fees were not added to the balance and gave us no price ,in which I would have paid immediately had I known the cost.

A couple more months go by with weekly calls from us complaining wanting the pay off, somebody told us, it was between $4,000 and 5,000 but that we could not do anything about it yet! Just keep making those same high payments even after sending them pay off check for $74,120 ,They lead us down a four to six month time frame of diversion and storytelling and us calling weekly , just getting different stories from someone different every dam time. Finally they gave us an unbelievable cost of $16,000 which devastated us and then they forced us into a loan modification deal and say we owe $16,000 more than the actual pay off they quoted us, this is madness. I recently even went to get cheaper financing to pay this off And they want to add an additional $2,700 for prepayment fee’s please dear GOD somebody help..

I believe Countrywide while being overly expedient in trying to steal my house (30 days) used stalling tactics (6 months) to over inflate the foreclosure costs and enhance there portfolio of what is obviously Predatory lending practices at its’ best, and I am begging for legal assistance and will be searching every angle possible. I will be following all lawsuits against Countrywide and joining them or going on my own to file suite unless all debt if forgiven Please help !!!
Tom Ferge 602 S Beech st Savannah ,Mo 64485 . thmsferge@yahoo.com

I have been a target of countrywide, inabilities and practices of bad business practices,

We had a 30 year note with Chase and never late,

Now with Countrywide and was promised a refinance on a 15 years note to 30 year note with there new Modification loan program this started in Feb 2009, and we call every month several time to ask about it and was told everything was Ok and will hear something shortly.
That was in March, Lisa James

We heard something alright on April15 a notice to Foreclosure, and need to come up with 2 months payment and the Mays payment also

We call several times and talked to 6 people with no help just Phone tags

So we when to the Locale office and the Person we first talked to (Jason Guinther) was there we told him the story and the he call countrywide, after talking to there office for 30mins, he said they were never going to notified us that we don’t qualify for the program or even why,

The inability for them to notified us doesn’t constitute an hardship for us,

I thing they encourages there people in this tactics,

Can anyone help us and advise a place to call anything

Vwf4506@insightbb.com

I only have till May the 8 according to the letter

Thanks very much in this very important matter

Please! I need information to sue them! Thank you!

To Whom It May Concern:
I’m writing to confirm my recent phone conversations with Country Wide representatives and document the timeline of events as well as the moneys owed to me.
As a result of this, you have sent me late notices, charged late fees, sent the loan into default and foreclosure, and sent my credit rating into the tank.
My credit was impeccable prior to dealing with you and, You need to fix it all by January 1, 2008.

*Nov. 2006 paid $1207.60
-This loan was sold to you and my payment was to be $1207.60 until December 2007
*Dec. 2006 paid $1207.60
-received increase of payment and called to advise that you had the wrong property tax info and gave it to CW representative. (Charging $2500 too much per year) and that the ho insurance was over $300 too high.
*Jan. 2007 paid $1207.60
-I called about the pre-authorized payment plan and reminded CW that my payment with the original loan was set up to be paid on the 15th of each month and was told it is not an option with CW and they would not honor any previous lender’s agreement for this.
*Feb. 2007 paid $1207.60
-I called when I received the Feb. 22 mortgage expense record showing the property taxes were still at $5500 and the insurance premiums were increased by over $300. Talked to a rep and then the manager named Winston or Winslow about these two items and that the payment rose to $1284.80, he said it was all in order and that it again was the type of loan I had. I notified him that I was not able to continue paying the higher payment and would like to meet with a CW rep. to discuss my options asap. He explained that I would need to do that over the phone and would have someone contact me to begin.
*Mar. 2007 paid $1500 (just to be safe until you work out the payment problem)
-you sent me 2 bills in Feb. both due on March 1 and with different $ amounts. And both higher than my contract amount of $1207.60, I called and did not record who I spoke with but told them the story and was told it would be fixed. Just to be safe I paid $1500
On March 22 I received notice that I was short on the payment and I was being assessed late fees back to Feb. I again informed them I was being overcharged and was told the loan type I have is the issue.
On March 29th I received your letter acknowledging receipt of my inquiry regarding my monthly mortgage payment and my concerns about the impound account. In the letter you said you took the larger amount of min. payment and the $215.20 extra was applied to principal. NOT AT ALL WHAT WE TALKED ABOUT, and you also said the next monthly mortgage statement would reflect the posting. IT DID NOT.

*Apr. 2007 paid $1500 (again, just to be safe hoping you’d work out the problem)
You once again paid the wrong tax bill and once again over charged me the min. payment and charged late fees for being delinquent.
April 26th received an email saying that additional funds were posted to my principal and were not, also charged me the higher payment so it still looks like I’m late.
*May 2007 paid $1284.80
My payment should be $1207.60 but I sent the requested higher payment and wrote on the stub that I am paying it under protest. Nobody really cares though.
May 14th received letter of Escrow Account Review still showing higher impound amounts and increasing the min. payment now to $1562.24 effective July 2007. I called and was told my insurance was much higher and that they had just paid it and for me to fax the insurance and tax quotes to office in Simi Valley for proof, so I did.
May 15th received payment statement with the original payment due of $1207.60 and I thought we had fixed it all except where did my monthly over payments go?
*June 2007 paid $1500,
Even thought the bill was for $1207.60 and was still charged a late fee and you posted a higher min. payment and still did not credit the principal
Also still had the higher impound amounts.
*July 2007 paid $1700
This bill the min. went to over $1600 and I’m 6 months into the loan.
You also paid another insurance premium to an insurance co. American Family Ins. Co. of $1581. And it happens to be what you have been using for my impound amounts to I start wondering, did you already pay them in Dec.? Even if you did not, you show that you paid my ins. Co. the same amount and IT’S TOO HIGH. I am not going to try to get it back from them, you do it.
About now is when I start getting Country Wide letters, (2 per week) saying they would be glad to offer me another loan.
*Aug. 2007 paid $1700
Again, I paid more because, until you get this worked out, I don’t want to risk my credit getting affected. Again the payment went up to over $1600 and still no action on changing the impound amounts. Also received 2 statements again with different payment amounts making me think you are showing me late or under paying.
*Sept. 2007 paid $1207.60 (mostly because I’m mad now)
I received your letter called “Payment Adjustment Notice” saying effective Nov. 1 my minimum payment will be $829.82, you guys are crazy.
Then Diane Donavan with my insurance Co. “Allied” called and sent me a letter saying my policy will expire Oct. 15th if they are not paid, she spoke with Jennifer at CW and she needed me to call her to clear it up at 817-230-6495. Allied said you told her the ins. got paid to another company again. I called Jennifer and she was not in, I talked with Amanda and she transferred me to her Manager the same Winston or Winslow? He said he paid my ins. To American Fam. And that I must have 2 policies on the home. I gave him the entire story and he paid my policy that day and back dated the check for the correct amount of $1224,,,,,FINALY. He was supposed to have my impound account credited back for any payments make to other companies in error for over $1500 and fix all the prior stuff as well as the payments. Also I received a statement showing past due amount of $1562.24????
*Oct. 2007 paid $1700 (to try to keep the principal down)
NO ADDITIONAL PRINCIPAL EVER SHOWED UP ON MY STATEMENTS, you need to fix that by sending me cash.
Received a statement with additional past due amounts of $1562.24 and that a partial payment balance of $21.96 was due???? You guys are Killing me.
It was at this time on Oct. 13th I received a call from a guy who said he was with Country Wide “customer service” regarding “straightening out my account for me” only to find out he just wanted to refinance and charge me the prepayment penalty of $7000 and his name is Justin at 866-645-5293 X5383, You guys have no shame, How do you sleep at night?
I got another one of the same from Alex Anderson at 818-456-1430 and I faxed him at 818-456-1207 all of the prior tax, ins. and payment info with the promise he was going to straighten the whole thing out. Only to find, while he is a Country wide rep. he just wanted to sell me another loan.
*Nov. 2007 paid $1207.60
November 16th received your letter of Notice of Default and Acceleration, total due $3,160.41 to be paid on or before Dec. 16th. I’m very scared at this point and decide to try and sell the home. As soon as I list the house, the renter moves out leaving me without income. All because of your inability to correctly manage my loan.
More phone calls to CW resulted in finding that another property in Minnesota has my account # and the same street address, and you have paid the Minnesota property fees out of my impound account since January of 2006. sending my loan into late fees every month since.
November 26th I received a Foreclosure notice and was to pay over $4000 by December 1st. YOU GUYS ARE NUTS And you notified the Credit bureaus and I have seriously been affected by this. My Credit Now Sucks because of this fiasco.
November 28th I met with my original lender and he got on the phone with CW on my behalf. We went through all the channels for 2 hours, and spoke with Shantisha in customer service about the foreclosure letter, then with Nicole at 800-374-0008 X8406 she spoke with her supervisor John Harris and said the late fees will be reversed, and not to worry about the Nov. 30th payment or the foreclosure letter or the default and she transferred us to Jackie in Impounds, she got American Fam. Ins. Co on the phone in Minnisota and found that their client has the same street address as me and also has the same CW account number somehow. Jackie was able to transfer us to her supervisor, Javon who was able to make the adjustments to my property taxes ($3233.14 PER YEAR, NOT $5600) and to the insurance ($1224 PER YEAR, NOT $1581 EVERY 6 MONTHS) and said she would follow with confirmation and a detailed account of what happened and where we are so I can understand it. (VERY IMPORTANT TO ME). She also was to send me and all the credit bureaus a letter retracting all of the bad information and correcting my credit to better than it was before.
Also she said Jackie would follow up with a phone call later today.;
Late on Nov. 28th, Jackie with CW called me back and said my Dec. 1st payment is lowered to $1150.05, that no other moneys are due, that all late fees, ever, will be credited back to my account, that $1581 was deposited back to my impound account today from the wrong ins. Company in Minnesota, that I would receive confirmation of all of this and that my 2008 monthly payment will be and stay at $1207.60 all year, and that my over payments will be accounted for in the confirmation letter.
*Dec. 2007 paid $1150.05
On Nov. 28th I received a new statement and bill and Just like Jackie said, it had all of the correct impound amounts and my new payment was $1150.05 Thank you Jackie.
Dec. 5th I received a “Significant Payment Increase Alert” estimated to be #2065.98, what the hell am I supposed to do with that? It also says my current payment is $1236.16??
Dec. 7th I receive the Jan. 1st bill with a late charge from Nov., YOU GOT TO BE KIDDING. The payment however is correct at $1207.94 just like Jackie said it would and the impound amounts are good too.
But as of today, I have not seen any confirmation letters regarding my credit, or an account of the moneys that have been flying back and forth this year.

As you can see, this is not the first time I brought this to your attention and I am tired of being ignored and told that “all is as it should be”, or told that “everything will be worked out”, only to receive another letter telling me that my payment is going to double next month and full of inaccurate information.

This is what I want done;
1-I need a letter from you explaining my credit has been cleared up
2-I owed you 14 months of payments at $1207.60 totaling $16,906.40 and I paid you a total of $19,280.45, You owe me a check for $2,374.05 By January 1, 2008, with interest.
3-My principal amount is surely not correct and needs to lowered anyway for my inconvenience to a total balance owed of $180,000.
4-You need to freeze immediately all interest and monthly payments until we get this worked out AND, the home is rented again or sold.
5-I need an account of all impound account money, in and out and cut me a check for any overpayments.
6-If I decide to stay with the loan, I need it fixed at %5.8 and I’ll pay $1207.60 per month, you figure out the length.

Steven Woodhouse

Phone 209-570-4226

Please call me. I have a letter that you can give Allied Interstate so they will stop calling you…..or any creditor for that matter. I feel your pain…….I hate Countrywide.

Thanks,
Misty Gillam
239-410-9890

i don’t know what to do with countrywide ???…they are abusive. There is a company called Allied Interstate calling my home at all hours…

Is this normall??

is there someone that I can talk to prevent this from accuring??
Thanks
Louis Carrabali

Chris Morton
chris.morton@comcast.net
cheri.morton@comcast.net
561-685-8158

Date: 06/05/2008

SUBJECT:Foreclosure Suite - Countrywide - from article reported in the Tampa Tribune on A COMPANION BLOG TO THE HOME EQUITY THEFT REPORTER, AT, HTTP://HOMEEQUITYTHEFT.BLOGSPOT.COM.

We are in foreclosure by Countrywide. It appears from the limited report referenced above that the same treatment by Countrywide pertains to our case, too. We wondered if the case you are dealing with descibed as: “the estate of a Florida woman and accused of charging borrowers improper foreclosure fees: Gregory O’Gara, who sued as executor of the estate of Tamara Portnick,”

Who is handling the class action lawsuit?
I’m in Tamarac, Florida.
Thanks
Luis Carabali

I might add that many of the states are also at fault because they also, jumped on the band waggon not enforcing their state and local laws against these criminals.

So, America woke this morning to the bad news about the market dropping three hundred points yesterday. But you didn’t. You are an investor. You took that troubling news right to bed with you last night. You tossed and turned. You turned on CNN, CNBC, Fox News…you got online and checked your portfolio again, just to be sure.

We all know who the losers are when Wall Street has a bad day. But who are the winners? You know what I am going to say next, don’t you? You know it intuitively, instinctively. The winners are those who knew where the market was going, the ones who shoved it that direction because…well, because they can, and because they were positioned short in all the right places. So, while you languish over losses and worry whether to sell or hold, they line their pockets and count down the days until their billionaire benefactors pay them another fat bonus.

Reminds me of a joke. Seems this investor is at his favorite bar after another brutal day on Wall Street, tossing back a brew and watching the evening news. On the TV, there is a guy standing on a window ledge 10 stories up, threatening to jump. The police and firemen are there, trying to talk him off the ledge. His girlfriend is on the ground, watching and crying hysterically. Another fellow at the bar says to our investor, “Bet you ten bucks he jumps.”

Investor says, “You’re on!”

As soon as they shake on it, the fellow on TV jumps to his death. The investor sighs, figures it matches the way the rest of his day has gone, and fishes out the ten dollars, handing it over. But the other fellow waves it off, saying, “Naw, man. I can’t take your money. I cheated. I saw this same news report on the 6 o’clock news. I knew he’d jump.”

Investor insists, “No. Take the money. I saw that report, too. I just didn’t think the damn fool would do it again!”

That is the way it is, my friend. The difference between what you see happening in the market and what the insiders see is night and day. They have hedged their bet. They know the fellow will jump. Heck! They pushed him. And when he crashes to the cold, hard earth below, they will cash in and have another cold beer.

I think it is time we started pushing back. Don’t you?

That’s the Word on the Street.

Veracity Jones

http://www.basherbusters.com

All parties end sometime. This will just end more badly then several generations have ever experienced.

It’s going to take years folks. All this because group think set in and greed took over. But we will have this party again someday, most likely in 7 generations from now when the pain final fades….