Saxon Mortgage reviews and complaints

I HAVE RUN INTO THE SAME STUFF WITH SAXON. DURING THE "HAMP" PROCESS I WAS TOLD NOT TO MAKE ANY PAYMENTS TILL THE "HAMP" DEAL WAS APPROVED WITH MY NEW LOAN PAYMENT, NOW THEY ARE SAYING THEY NEVER SAID THAT. I HAVE FAXED INFO NUMEROUS TIMES, JUST GOT OFF THE PHONE WITH "DAN" RE-FAXING INFO.

The company is givinig rounds last 16 months. Even though I am not behind on my payments they are chartgiong late fees atc

They are givin g the rounds for not to complete the modifications almost 16months now:(

It seems to be very common that so many people are having or have had similar problems with Saxon. My loan was sold to Saxon from NovaStar. I was under chapter 13 for a little over 5 years and paid over $80, 000.00. When I completed chapter 13 Saxon informed me that I still owed the same amount that I owed before the chapter 13 program . I applied for the loan modification after I fell behind in payments again.I submitted all the information to them three(3) times and each time they would tell me they didn't receive it all and each time a different person was speaking to me and according to them there was nothing on file about me applying for a loan so they would send out another form asking for information that I had previously sent. Anyway after going back and forth for almost 2 years with trying to get a modification loan I received a foreclosure notice with a set date for my home to be auctioned. Before the foreclosure notice I sent over half of the payment that I was behind and the payment was return. I couldn't take it anymore so I put my things in storage and moved out. I was in my home for many years, then I was 61 years old and homeless. Oh yes, after my home was sold I received a letter suggesting I should apply for the HOPE program. What a Joke!

Our loan was also sold to Saxon from NovaStar Mortgage and all we have had is problems ever since. I lost my job in June of 2009 and I asked for help and when ironically they told the attorney who we were working with that our payment with taxes, escrow and principle it would only be $835.00 and when the first payment came for us to make when we agreed to that payment the slip said $1200. So I was still unemployed a year later and they told us to put our home in a short sale and get rid of it. We are making two payments a month and they have just told us that they have sent us a breach letter with an intent to file for foreclosure. When they call you they do not leave a message so you have no idea that have called you. When I spoke to a Customer Service Rep at Saxon and I was told that they would not accept my payment even if my bank sent the check to them, I think if they are getting a payment they are going to accept it and not return it. Saxon is part of Goldman Sachs and Deusthle National Bank.

We have had a 15 year balloon mortgage with Saxon since 1999, and since principle has barely been paid off in that time, I am sending extra principle payments, clearly noted as such on the payment coupon as "Extra Principle". But the Accounts Receivable staff at Saxon just applies the extra payment however they want to, usually as interest. I called Saxon Customer Service yesterday to complain about this, that I always have to call and make them apply the money properly. I was told the staff at Saxon never look at the coupons as "they don't have time to look at those coupons", and the only way to make sure my extra payments get applied properly to principle is to call Saxon every month and they will do a "work order" on how I want my payment applied. I am sure this is not legal, but what can a lowly customer do?

I am with you! I am trying to go through the loan RMA due to loss in income and they started off so great saying how oh ya do this and you wont have to worry. Well let me tell you it's turned into a HUGE nightmare! I have been keeping notes and today alone I tried to call them to make sure my paperwork was received. Now this is the 3rd time I've sent them my paperwork and they mistereously lose it! I got and this is no stretching the truth, reruted to 10 different employees and got a different answer almost every time! I've so had it with them and this bull. There has to be something we can do about them. I dont owe only about a fourth of what my house is worth so I know very well they have a reason to get rid of me so they can make money off my home!

Lisa, have you been served with foreclosure complaint? Check it carefully, if you have, and make sure that Saxon themselves have not assigned your mortgage to someone else. That's what they did to us, so the Complaint they filed as being holder of our note, is not valid. They were never the "owner" of our mortgage, only the service, but they filed the complaint as them being the holder of our loan...I have now hired an attorney and am fighting the foreclosure. It's a slow process, but it's worth the try, and it keeps them off your back. Look at your documents. If this is your case, too, then you can call the Court yourself, tell them that you are not sure that Saxon actually holds the note to your home, and that you want them to produce it. We did that in December, and they STILL HAVE NOT BEEN ABLE TO PRODUCE THE MORTGAGE NOTE.

The issue is what do we do. There has to be some help out there. I have been in my home 15 years. Saxon has refused to finalize modification request I made 1 yr. 6 months ago. We have children. Someone needs to inform us how to begin a class action suit. This Company is as crooked as they come.

Please read this before using Amerisave.!

If it sounds to good to be true it usually is! I have been a real estate broker for 24 years.I have delt with every mortgage company around. I new better and bit into their scam. Please go directly to a lender. I thought I would take advantage of low rates and borrow some money against my paid for house. In 24 years in the real estate business I have never delt with a company this bad. Don't waste your money. They will not honor what they say. All the ads talk about being on CNN, CNBC and other well known media. Do your home work and look at the dates. [protected]. Money was loose during that time period. I am not writing this because I'm mad. I don't have to have the money. I don't want to see couples that are fighting to get through these tough times loose more money. The live feedback will not let you ad a comment if you are not satisfied, so don't think all is well at Amerisave. Again please don't fall into this scam.

I have a new number to call this lady has helped me out. I was contacted by her right away after I filled a complaint to the BBB of Texas. I was told and it showed on line that I was one payment behind on my modification. I was not and I called the customer service and the collections first then I called her my problem was handled in one day. My payment was being put in a suspense account again and was not being applied to my account I told her that I was not the only one with this problem it was fixed in less than a day. She is at the head quarters and would rather be contacted than take my complaint to the BBB. Here is her number [protected] let her know all that you were told and by whom. When I call Saxon now I ask for name and employee number. Hope this helps you.

Saxon Mortgage, Inc. (Saxon) is doing the same thing to us. Me and my wife have been in this loan modification process with Saxon for almost a year now. Their rules change depending on what day it is and who you speak too. I faxed all documents they requested and received fax confirmation. I phoned on several occasions to see if fax was received. They habitually claimed they didn't get it. I of course re-faxed these documents to them. We called several days later to make sure fax was received. They will later acknowledge receipt. I was told several times that it was in review.

First week of November, Saxon sent me a modification agreement dated October 29, 2009 with a required Escrow Advance fee of $5, 518.02 . Me and my wife agreed to it, signed it in front of a notary as required by Saxon, and mailed it via overnight mail. My wife talked to them over the phone several times to make ensure smooth procedure. They told my wife last month that they will make sure this will be processed since they wrote it. They also promised to call my wife when the loan modification if finalized. They promised that it was a done deal and that we will start with our new loan payment in January 2010. We waited and waited but Saxon never called my wife.

Yesterday, my wife made a follow-up call and ended up spending two and half hours with Saxon’s representatives because she was told that they only received about $3, 000 cashier’s check. My wife insisted that we have proof that we sent $5, 518.02 which was the exact amount they asked us to pay for Escrow Advance fee. They advised my wife that our loan modification was not processed and that we have to re-apply for another loan modification. That is, we are back to square one. They also said that whatever payment we sent that was intended for the Escrow Advance fee was applied to our original loan balance. After over an hour with Saxon, they told my wife that her call was already escalated and that 3 Saxon managers already determined that they cannot revive our loan modification. They told my wife that we had to re-apply for a modification all over again with the new lender and that we would not get back our $5, 518.02 Advance Escrow fee.

So, I went to the bank where I obtained the cashier’s check. The bank provided me a copy of the cashier’s check. At the back of the cashier’s check showed that Saxon Mortgage cashed it on November 12, 2009.
Our house is scheduled for Trustee’s Sale this coming 17th of December.

Is it legal for Saxon to require payment of a $5, 518.02 Escrow Advance fee knowing that they will just tell my wife later that we would never get it back?

Saxon appears ruthless trying to toss my family out on the street just before Christmas. Saxon’s harsh, repugnant, shocking, and repulsive acts are messing with peoples’ lives and are never held accountable.

Did Saxon take millions of federal bailout monies? If so, why is Saxon faking us with a loan modification and then arbitrarily and capriciously grabs our monies which Saxon represented as a required payment for our Escrow advance fees.

Does Saxon have a record of cold bloodedly foreclosing on any homeowner owing money?

Saxon lured me and my wife into their fake loan modification program and then finding any reason they can to turn down our loan modification just to take our Escrow monies.

Did Saxon receive bailout monies from our Government to just easily foreclose, sell peoples’ homes, and actually make more money from our own tax dollars and we homeowners being the victims of these lenders who received our own tax monies?

Do not be surprised if our Government made it easier for Lenders to foreclose because they can't lose. Saxon officials could just be laughing their way to the bank with our tax dollars to boot. I am losing my home Friday next week. This is my home, this is the home of my 4 children. This house is my pride and joy. My own hard earned money has been poured in this home. We are losing our way of life, everything we built, and created in our lives.

I encourage anyone to e-mail their elected or appointed government officials to stop these predatory lending practices. These ruthless lenders will have to be stopped now. If anyone is planning or already planned a class - action suit against Saxon, please include me in your effort.

Saxon is the worst Co. I've had to fight with them for 2yrs I've had to send my payment through my Bank to keep up with when my payment gets, there because they try to post late charges to my account even when they have the money, the BBB called them in to see why they had so many bad report against them I even file a report with FTC on them they are a rip off co. doing anything they can to get extra money in, they reported to the BBB they are trying to do better but there not. please go to BBB & file a report & read 468 complaint in 36mth.

fcan

Dear Original poster, I can get your Saxon loan modification done for you ASAP, I can have you new terms and a good faith deposit amount in 2 to 3 days, and you will have final papers to sign in approx 3 weeks, I work for the largest chapter 13 bankruptcy firm in Southern California. I can help you with this. please email me for more info at robert@rgsilverman.com.

Are you inforeclosure? I am also a victim of Saxon...we are winning! Contact me. I will give you all the details. Don't let them steal your home...be a squatter! Join me in the fight! Email me at mw81307@gmail.com.

Our mortgage was sold to Saxon in November 2007 while me husband was deployed overseas. I mailed them multiple copies of my POA which they repeatedly told me that they had never recieved. After almost 6 months of dealing with them they were able to "find" a copy of my POA that was included in the original packet that they received from Novastar mortgage, our original mortgage company. From there on it was almost impossible to deal with them. They continually didn't take my mortgage payment out of my account, we had to call and almost beg them to actually take the money out. I had set up EFT withdrawals in December 2007 to avoid any problems with paying the mortgage. They also took from November 2007 until March 2008 to apply the Soldiers Act of reducing deployed soldiers interest rate to 6%. Once they did reduce it, they stilll continued to take the wrong amount out for a few months. Most recently they have taken out our payment and applied it to some "surplus" account, when they were questioned why they did that I received the answer of "I don't know". I still have not received and answer as to why that happened. The only reason I found out that they had taken it and applied it to a wrong account was when I received a phone call telling me that I had not paid my mortgage for that month. Yet I had a bank statement proving that it had been removed by them. This month they didn't even take our payment out. I finally called them on the 15th to ask if they wanted their payment or not.

This company has been nothing but impossible since we became customers of theres, not by our choice we were SOLD to them by another mortgage company. Should anyone ask me what mortgage company to get I will deffinately tell them NOT SAXON! I am currently in the process of getting paperwork to file with the BBB and trying to find another mortgage company to refinance. I am interested in joining in on any lawsuit that is being filed against this company so please feel free to contact me regarding any suit. Thank you.

I am a recent breast cancer survivor. I was out of work for a year and my short-term disabilty had been cut in half. As I struggled to pay my home mortgage, someone advised me to look into home modification with my current mortgage company. When I inquired I did an application over the phone and this is where my nightmare began. I was told by the mortgage company, Saxon Mortgage, I had 30 days to send back signed, the paperwork that was explaining the process. Two weeks into the 30 days a rep from Saxon Mortgage called to ask how was the process going as far as looking over the paperwork and sending them back signed. I told the rep I was unclear about the clause I had to be into foreclosure and/or late in order to qualify. I said I was neither and I would not send the paperwork back. I asked to be disqualified for the initial over the phone application and I will tear up the contract that was sent to me. When I go to pay my mortgage online, it was being rejected because it had an extra $300-$400 tacked onto the fee owed?! When I called Saxon Mortgage I was told someone had processed the paperwork and it would take another two to three weeks to be straightened out. It has been six months with calling and inquiring when will the situation be dealt with so I can get back to paying the original mortgage fee that was quoted in being paid each month. I was told countless times I had to fax proof and I would get notification in the mail. I was told I can't call Saxon, Saxon will call me or send out correspondence by mail. Saxon has never followed thru with this correspondenc and continue to pay my excrow. Saxon has never been authorized to pay my escrow. I am paying my taxes to the state and my insurance company has told me to stop paying them because they will continue to send my payments back to me because my account has been paid in full. Several calls to Saxon Mortgage continue to end in the result of being told I need to fax proof I am or had been paying my escrow. Which has been done several times. Now I talked with Saxon Mortgage today, October 25 2010, and now I'm being told I have to pay them back escrow and wait til they decide my debt to ratio can be sustained to 80% or lower until Saxon Mortgage decides to release me all together from paying my escrow. I had to file bankruptcy for credit card debit three years ago but I was told by my lawyer at that time, Stuart Weitz, my mortgage or car payments would not be included? It is as if I'm being held hostage by this mortgage company as a result. I have never been late on any mortgage payments! Now what they've been doing for the past six months is taking part of the mortgage payment I send in every month and applying it to the escrow to make it seem as though I am late sending in payments and/or not sending in enough to cover the mortgage. I am just a hard working consumer who is being taken advantage of during these trying times. I've never had any problems with debt to ratio with this company.Saxon is now complying I have to pay in order to be released from their net! I don't have money to legally pay a lawyer to handle this case for me. I have nowhere else to turn to. I also was taken advantage of when I had gotten into this mortgage when I did a refiance and this mortgage was sold to Saxon Mortgage. I am a single mother who is trying to keep a roof over my head, my elderly mom and my teenage son who is in college. Please help!

I am going thru the same ordeal with Saxon Mortgage. I inquired about a modification with them over the phone and they took over paying my escrow with out written consent. Now they are trying to make me pay the difference in the debt to ratio fee. I've never had a problem til I told them I was out of work and needed some help. Now they won't stop paying my escrow and when or if they do they will continue til they feel as though I can handle payment on my own! I have proof that I've been paying my escrow since my mortgage was sold to them five years ago! I need help! THESE PEOPLE ARE HOLDING ME HOSTAGE!

I finally got a home modification done with Saxon I started in August 2008 and it was final on Jan 1, 2010. They tried to charge me with the are you living in your home charge of 9.50 to have someone come by and check to see if the house was still being lived in.

Saxon is now at an F rating with the BBB and having to answer to them.

I have been fighting with Saxon since 2005, I finally filled a complaint with the Texas BBB got a call the next day to help me and answer questions. I also filed a complaint with the national banks http://www.helpwithmybank.gov/complaints/index.html also put a complaint with Morgan Stanley who owns Saxon.

I call at least three times a week take the employee number and ask that they look at my file and read the screen and tell me when I last called in and noted taken and if anything else new. When taking to Athena Walker just remember she is one person working with probably thousands of us. So call customer service and have them transfer you to the home modification line they will have more information on your paperwork . The fax number to send paper work should be [protected] please try first before counting on. Many number have been discounted or no longer in service. The last number for a negotiator office [protected].

You have to call them everyday and bug them. Never give up. I think this company has a high turn over of employees so we will always be talking to those who are in training. After calling for the last four years I can help them get to the information they need to look up and recited their rehearsed saying. I beat them to all information they ask to verify my account I have called up to four times a day to make sure they have inputted the prior call information discussed I think they know me will now and i have a flag on my account. I figured they could call me that many times and harass me I could call back and drive them crazy and know I exist I am not just an account.

Also check this site out http://www.makinghomeaffordable.gov/modification_eligibility.html you can call and email them and let them know you are getting nowhere with Saxon.

Mortgage rate is basically the interest rate you pay on your home loan or second mortgage. Mortgage rates are determined by economic conditions and may change from time to time. The best possible thing you can do is get your loan terms changed accordingly, so you don’t end up paying more!http://www.allfinancialservices.net

Saxon needs to be shut down and the head of this RIP off agency taken in front of Congress.

I TOTALLY agree, Saxon is a rip off. They placed homeowners insurance on my house at over three thousand dollars a year even though I have homeowners that is paid through my mortgage. Last year, 2008, they sent a letter to my homeowners insurance advising them to cancel my policy due to me moving. I had just had a my deck extended to a 30 x 30 with two cars in the driveway and two more in the garage. My attorney has been working on a loan modification since January and when she called two days ago, they stated they didn't know what she was talking about. This company needs to be shut down and it's up to us the customers to get the Federal Government involved in this. I am willing to do whatever to help get the process started.

Real 2nd Chance is a unique one-stop financial organization which can help you if you are behind on payment, if you have an adjustable rate mortgage and or simply can no longer afford your monthy payments. WE CAN HELP.
Please contact us at [protected] ext.705 or visit us on info@real2nchance.com. We have helped many people that had complaints and we would like to help you too.

Heather,

The same exact escrow dupe payment to HO insurance crap happened to me. READ MY STORY BELOW FAST!

Do not -- DO NOT -- trust these people any further, or waste another day waiting on them to respond. Who there have you worked with so far? President's office? Who? In-house attorney? The loss mitigation department is USELESS! DON'T let anyone else slow you down. PLEASE! YOUR HOME IS AT STAKE. Can you file for bankruptsy NOW? I didn't, I could have but I believe what the liars continued to tell me ... everything is OK, fine, no problem, we are reinstating your loan.

THEN THEY SOLD IT AT A SHERIFF SALE.

IMMEDIATELTY GO TO A LAWYER IF YOU CAN AFFORD ONE -- I PROMISE YOU THEY PLAN TO TAKE YOUR HOME!

Can I help you? I will bombard the company (I have help) with threats they resolve the issue to your satisfaction (tell me exactly what you want from them) or you will BEGIN BOMBARDING [redacted]S, COMPLAINTSBOARD.COM, PLANETFEEDBACK, LOANWORKOUT.ORG, and RESPA, HUD, TILA, REGULATION Z, and about two hundred more authorities to begin pressure on them to help YOU. I NEED THE STATE YOU LIVE IN TO CONTACT YOUR ATTORNEY GENERAL -- YOUR COUNTY'S ATTORNEY GENERAL AS WELL.

Please let me know what I can do -- I'm scared for you to wait a second longer. Contact me if you will allow me to help.

In November 2007, Wells Fargo d.b.a. American Servicing Company (ASC) decided to escrow on my mortgage loan. For no reason. My taxes and insurance were always paid on time. Theyd never escrowed before. Then, instead of paying my annual property taxes once, they paid them twice. And I had already paid them. Then they pre-paid my property taxes that werent due for another year. Id never had an escrow account with them, so usually the balance was zero. Now it was -$5500.00. My mortgage payment increased from $655 to $1446 a month. I cant pay it.

Wells Fargo admits their error. They promise to fix it. Then they dont. Again they promise to fix it AND reverse all the late charges. Doesnt happen. No one corrects the original mistake so the snowball effect is creating havoc with my mortgage, with my credit, and on my life.

ASC Phone calls and letters threatening foreclosure were relentless. I have spent hours on the phone trying to resolve the problem. So many ASC Customer Service agents promise all your problems are taken care of, rest assured. When you check the next day to confirm all is well (youve learned to check) they can't even find a note in the record that you ever called. So then I am forced to start the process to correct my loan all over again with a different agent (weird isn't it that you can never get the same agent because they don't have extensions, and they refuse to give you their last name. They will give you their three-letter employee ID code that has never helped me a bit. Many agents refused to give me the companys physical address when I wanted to talk with someone face to face. Over this six-month nightmare I was assured over and over and over, that yes, definitely this time, they had truly made the corrections I had been assured already been made. Yes, isnt it wonderful, my mortgage loan had been approved for loan modification and the loan I’d been told dozens of time had been reinstated, had really for sure this time been reinstated. I was always told I would receive a letter confirming all was well with my loan. I was told not to make any monthly payments on the loan because until the correction had been processed through their system, the payment would be considered a partial payment and would be returned to me. So in February and March I couldnt send in a payment because the monthly payment amount was never corrected. I was forced over and over again to start the agonizing process from square one with another agent. Most agents couldnt find any notes in my record. I had the brilliant idea that faxing the whole story, along with receipts, and other requested forms, would be the answer to our communication problem. I would finally receive a letter confirming receipt of the requested documents. Four days later Im told my documents were never received so my home is in foreclosure.

On April 23, 2007, I was emergency admitted into River Oaks Mental Hospital for 10 weeks due to a complete emotional breakdown. I was suicidal and unable to care for myself. Wells Fargo Mortgage made a mistake, and acknowledged it. However, they were unable (or unwilling) to fix the problems their error created. My sister was given power of attorney so she could resolve the issue. Upon discharge from the hospital an ASC agent confirmed my loan had been fully reinstated, the payment had been corrected, the escrow balance adjusted. They promised the late charges and additional interest charged because of their error would be credited back to the account. I insisted and they agreed they would contact the credit agencies to report their mistake, remove all negative remarks, and change all comments they had made regarding my mortgage account to paid as agreed.

Two days later I received a notice advising me of the sheriffs sale date set for my home.

My home was my savings account. And it was my retirement account. More important, it was my security blanket.

The October 3, 2007, sheriff sale date has been postponed and Wells Fargo has told me they want a satisfactory conclusion to this nightmare. Ill keep you posted. Today is October 9, 2007.

WFHM admitted errors and apologized in two letters received on October 24, 2007, and October 29, 2007, from Todd M. Boothroyd (contact info shown above), credited $12, 000 to my mortgage loan, corrected the negative reports made to the credit repositories, reinstated my loan. I breathed my 1st sigh of relief in nearly a year.

THEN THEY SOLD MY HOME AT A SHERIFF SALE. They took my home, almost $100, 000.00 in equity, and I'm lost without my home. God Bless my 70-year old mother who is now forced to take care of her 46-year old, disabled, daughter. I still believe something good is going to happen. I really do. Two years of fighting for all I'm worth can't end like this.

Some of the readers of my blogs have been sharing good news about the help they are receiving from Wells Fargo Bank. So DO NOT GIVE UP!

I'm praying for ALL OF YOU. I cry when I receive letters from frightened homeowners who are either in or facing possible foreclosure. PLEASE DON'T GIVE UP! You are in my prayers, each of you. Because I do understand, truly, how you are feeling.

Call WFHM at [protected]. Ask for Sharon Cecil, Mary Coffin or Cara Heiden. There e-mails and mailing address is shown above.

Sharon Cecil is a doll. These women CARE. There are many people at Wells Fargo Home Mortgage who sincerely want to help hurting homeowners. It is my sincere hope you will VERY SOON receive the paperwork, the loan reinstatement or modification or deed-in-lieu, or WHATEVER IT IS YOU MOST NEED, THE ANSWER TO YOUR PRAYERS very, very soon.

I know help is coming soon for all families facing foreclosure. God Bless anyone who helps someone keep his or her home.

Kelly L. Hansen
STILL HOPEFULL, BUT at the moment HOMELESS...
46-year old now living with her 70 year old Mother!
Thank God for Mothers.
33605 W. 88th Street
DeSoto, KS 66018

ctsmyhon@yahoo.com
[protected]
[protected] Fax

WARNING TO INVESTORS AND CONSUMERS: DON'T GO TO WELLS FARGO!

Kelly L. Hansen
12757 W. 108th Street (my safe place for 18 years, my precious home)
Overland Park, Kansas
U.S.A.

Subject: Thank You Kelly!
Date: Fri, 21 Nov 2008 22:19:47 -0800

Dearest Kelly,

I left you a voice mail this evening. Thank you!
I've passed along to other ASC victims, my success story, and your info. Thank you!
Your blog comments helped me save my home. Thank you!
You are a God send Kelly, Thank you so very much!
Your efforts were not in vein.

Kindest Regards,

Jeff Taylor / San Clemente, CA / [protected] :)

Jackie,

[protected] direct to Executive Office of Wells Fargo Home Mortgage.

More and more people are writing and claiming successful outcomes in their dealings with the Executive Staff at Wells Fargo Home Mortgage, so I have high hopes for you!

Here are the names and numbers you need -- these women will get you the money that belongs to you. Please let me know if you need anything at all from me. It never hurts to start pushing from every direction.

Cara K. Heiden, CEO
WELLS FARGO HOME MORTGAGE
cara.k.heiden@wellsfargo.com

Mary Coffin, Vice President
WELLS FARGO HOME MORTGAGE
mary.coffin@wellsfargo.com

Sharon Cecil, Assistant to Both
WELLS FARGO HOME MORTGAGE
sharon.cecil@wellsfargo.com

Todd M. Boothroyd
Senior Counsel, Real Estate Division
(address in California, let me know if you need it.)
Todd.M.Boothroyd@wellsfargo.com

WELLS FARGO HOME MORTGAGE
Executive Communications Office
MAC X2302-02J
800 S Jordan Creek Pkwy
West Des Moines, IA 50266
[protected]

I'll say a prayer for you now ... please let me know how things progress for you. They have NO RIGHT to hold your money. Good luck Jackie. Thank you for writing.

'ComplaintsBoard.com' wrote:

E-Mail from 'jackie euper' to 'Kelly L. Hansen' (www.complaintsboard.com)

Wed, 17 Dec 2008 10:48:53 -0600

KELLY,

FIRST I HOPE YOU ARE FEELING BETTER. JUST THIS MORNING I TOLD A WELLS FARGO HOME MORTAGE SPECIALIST THAT THEY ARE GOING TO CAUSE ME TO HAVE A HEART ATTACK. AFTER READING YOUR STORY I SEE IT IS POSSIBLE FOR THEM TO CAUSE PHYSICAL HARM ! I WAS HOPING YOU COULD GIVE ME A SHORT CUT AND GIVE ME A PHONE NUMBER FOR THE PRESIDENT OF WELLS FARGO HOME MORTGAGE, I CAN'T SEEM TO GET IT FROM ANYONE AT WELLS..GO FIGURE !
I FEEL LIKE I WANT TO EXPRESS MY FEELINGS TO THE TOP PERSON. MY STORY IS OVER MONEY THEY REFUSE TO RELEASE FROM HURRICANE DAMAGE. THANKS AGAIN FOR SHARING YOUR STORY. SINCERELY, JACKIE EUPER

Kelly,

First off thank you for your help. I did speak with Sharon yesterday and I am suppose to receive my check on friday via fed ex. I will believe it when I see it. Thanks again for your web site it led me to the correct people. I hope you have a Merry Christmas, and may God bless you. Thanks again, Jackie.
-------------- Original message from 'Kelly L. Hansen' : --------------

Attn: Jackie Euper & Sharon Cecil

Jackie, awesome, thanks so much for keeping me posted!

Sharon is always a big help. God Bless You & I hope you have a Merry Christmas!

PS: Sharon Cecil - You're so good at getting things done! Thank you for taking care of Jackie Euper. After sending this to you, I'm going to complaintsboard.com and /link removed/ and saying THANK YOU WELLS FARGO HOME MORTGAGE! It looks like a real effort is being made by the Executive Office to take care of your customers.

That's thrilling!

Kelly L. Hansen
STILL HOPEFULL, BUT at the moment HOMELESS...
46-year old now living with her 70 year old Mother!
Thank God for Mothers.
33605 W. 88th Street
DeSoto, KS 66018

ctsmyhon@yahoo.com
[protected]
[protected] Fax

HI LYDIA, TONYA AND BARB:

READ THIS AND ACT FAST! Here is the best number AND PERSON to call -- read the stories below from people SHARON CECIL, Asst to the President and Vice President at Wells Fargo Home Mortgage has been helping FAST!

[protected]

VIP's WHO'VE PROVEN THEY CARE: THEIR TITLES, E-MAILS, MAILING ADDRESS, PHONE
Cara K. Heiden, CEO
WELLS FARGO HOME MORTGAGE
cara.k.heiden@wellsfargo.com

Mary Coffin, Vice President
WELLS FARGO HOME MORTGAGE
mary.coffin@wellsfargo.com

Sharon Cecil, Assistant to Both
WELLS FARGO HOME MORTGAGE
sharon.cecil@wellsfargo.com

Todd M. Boothroyd
Senior Counsel, Real Estate Division
(address in California, let me know if you need it.)
Todd.M.Boothroyd@wellsfargo.com

WELLS FARGO HOME MORTGAGE
Executive Communications Office
MAC X2302-02J
800 S Jordan Creek Pkwy
West Des Moines, IA 50266
[protected]

WELLS FARGO HOME MORTGAGE MIGHT BE TURNING THINGS AROUND!

I've been intent on sharing my negative experience with Wells Fargo Home Mortgage so I think it is important to encourage you with these positive e-mails I've received within the past weeks.

It is my prayer these will make you smile, and renew your hope! AND, help you resolve your issue with WFHM.

I'd love to hear from you, anytime! God Bless each of you.

Kelly L. Hansen
33605 W. 88th Street
DeSoto, KS 66018
[protected]
[protected] Fax
ctsmyhon@yahoo.com

In November 2007, Wells Fargo d.b.a. American Servicing Company (ASC) decided to escrow on my mortgage loan. For no reason. My taxes and insurance were always paid on time. Theyd never escrowed before. Then, instead of paying my annual property taxes once, they paid them twice. And I had already paid them. Then they pre-paid my property taxes that werent due for another year. Id never had an escrow account with them, so usually the balance was zero. Now it was -$5500.00. My mortgage payment increased from $655 to $1446 a month. I cant pay it.

Wells Fargo admits their error. They promise to fix it. Then they dont. Again they promise to fix it AND reverse all the late charges. Doesnt happen. No one corrects the original mistake so the snowball effect is creating havoc with my mortgage, with my credit, and on my life.

ASC Phone calls and letters threatening foreclosure were relentless. I have spent hours on the phone trying to resolve the problem. So many ASC Customer Service agents promise all your problems are taken care of, rest assured. When you check the next day to confirm all is well (youve learned to check) they can't even find a note in the record that you ever called. So then I am forced to start the process to correct my loan all over again with a different agent (weird isn't it that you can never get the same agent because they don't have extensions, and they refuse to give you their last name. They will give you their three-letter employee ID code that has never helped me a bit. Many agents refused to give me the companys physical address when I wanted to talk with someone face to face. Over this six-month nightmare I was assured over and over and over, that yes, definitely this time, they had truly made the corrections I had been assured already been made. Yes, isnt it wonderful, my mortgage loan had been approved for loan modification and the loan I’d been told dozens of time had been reinstated, had really for sure this time been reinstated. I was always told I would receive a letter confirming all was well with my loan. I was told not to make any monthly payments on the loan because until the correction had been processed through their system, the payment would be considered a partial payment and would be returned to me. So in February and March I couldnt send in a payment because the monthly payment amount was never corrected. I was forced over and over again to start the agonizing process from square one with another agent. Most agents couldnt find any notes in my record. I had the brilliant idea that faxing the whole story, along with receipts, and other requested forms, would be the answer to our communication problem. I would finally receive a letter confirming receipt of the requested documents. Four days later Im told my documents were never received so my home is in foreclosure.

On April 23, 2007, I was emergency admitted into River Oaks Mental Hospital for 10 weeks due to a complete emotional breakdown. I was suicidal and unable to care for myself. Wells Fargo Mortgage made a mistake, and acknowledged it. However, they were unable (or unwilling) to fix the problems their error created. My sister was given power of attorney so she could resolve the issue. Upon discharge from the hospital an ASC agent confirmed my loan had been fully reinstated, the payment had been corrected, the escrow balance adjusted. They promised the late charges and additional interest charged because of their error would be credited back to the account. I insisted and they agreed they would contact the credit agencies to report their mistake, remove all negative remarks, and change all comments they had made regarding my mortgage account to paid as agreed.

Two days later I received a notice advising me of the sheriffs sale date set for my home.

My home was my savings account. And it was my retirement account. More important, it was my security blanket.

The October 3, 2007, sheriff sale date has been postponed and Wells Fargo has told me they want a satisfactory conclusion to this nightmare. Ill keep you posted. Today is October 9, 2007.

WFHM admitted errors and apologized in two letters received on October 24, 2007, and October 29, 2007, from Todd M. Boothroyd (contact info shown above), credited $12, 000 to my mortgage loan, corrected the negative reports made to the credit repositories, reinstated my loan. I breathed my 1st sigh of relief in nearly a year.

THEN THEY SOLD MY HOME AT A SHERIFF SALE. They took my home, almost $100, 000.00 in equity, and I'm lost without my home. God Bless my 70-year old mother who is now forced to take care of her 46-year old, disabled, daughter. I still believe something good is going to happen. I really do. Two years of fighting for all I'm worth can't end like this.

Some of the readers of my blogs have been sharing good news about the help they are receiving from Wells Fargo Bank. So DO NOT GIVE UP!

I'm praying for ALL OF YOU. I cry when I receive letters from frightened homeowners who are either in or facing possible foreclosure. PLEASE DON'T GIVE UP! You are in my prayers, each of you. Because I do understand, truly, how you are feeling.

Call WFHM at [protected]. Ask for Sharon Cecil, Mary Coffin or Cara Heiden. There e-mails and mailing address is shown above.

Sharon Cecil is a doll. These women CARE. There are many people at Wells Fargo Home Mortgage who sincerely want to help hurting homeowners. It is my sincere hope you will VERY SOON receive the paperwork, the loan reinstatement or modification or deed-in-lieu, or WHATEVER IT IS YOU MOST NEED, THE ANSWER TO YOUR PRAYERS very, very soon.

I know help is coming soon for all families facing foreclosure. God Bless anyone who helps someone keep his or her home.

Kelly L. Hansen
STILL HOPEFULL, BUT at the moment HOMELESS...
46-year old now living with her 70 year old Mother!
Thank God for Mothers.
33605 W. 88th Street
DeSoto, KS 66018

ctsmyhon@yahoo.com
[protected]
[protected] Fax

WARNING TO INVESTORS AND CONSUMERS: DON'T GO TO WELLS FARGO!

Kelly L. Hansen
12757 W. 108th Street (my safe place for 18 years, my precious home)
Overland Park, Kansas
U.S.A.

Subject: Thank You Kelly!
Date: Fri, 21 Nov 2008 22:19:47 -0800

Dearest Kelly,

I left you a voice mail this evening. Thank you!
I've passed along to other ASC victims, my success story, and your info. Thank you!
Your blog comments helped me save my home. Thank you!
You are a God send Kelly, Thank you so very much!
Your efforts were not in vein.

Kindest Regards,

Jeff Taylor / San Clemente, CA / [protected] :)

Jackie,

[protected] direct to Executive Office of Wells Fargo Home Mortgage.

More and more people are writing and claiming successful outcomes in their dealings with the Executive Staff at Wells Fargo Home Mortgage, so I have high hopes for you!

Here are the names and numbers you need -- these women will get you the money that belongs to you. Please let me know if you need anything at all from me. It never hurts to start pushing from every direction.

Cara K. Heiden, CEO
WELLS FARGO HOME MORTGAGE
cara.k.heiden@wellsfargo.com

Mary Coffin, Vice President
WELLS FARGO HOME MORTGAGE
mary.coffin@wellsfargo.com

Sharon Cecil, Assistant to Both
WELLS FARGO HOME MORTGAGE
sharon.cecil@wellsfargo.com

Todd M. Boothroyd
Senior Counsel, Real Estate Division
(address in California, let me know if you need it.)
Todd.M.Boothroyd@wellsfargo.com

WELLS FARGO HOME MORTGAGE
Executive Communications Office
MAC X2302-02J
800 S Jordan Creek Pkwy
West Des Moines, IA 50266
[protected]

I'll say a prayer for you now ... please let me know how things progress for you. They have NO RIGHT to hold your money. Good luck Jackie. Thank you for writing.

'ComplaintsBoard.com' wrote:

E-Mail from 'jackie euper' to 'Kelly L. Hansen' (www.complaintsboard.com)

Wed, 17 Dec 2008 10:48:53 -0600

KELLY,

FIRST I HOPE YOU ARE FEELING BETTER. JUST THIS MORNING I TOLD A WELLS FARGO HOME MORTAGE SPECIALIST THAT THEY ARE GOING TO CAUSE ME TO HAVE A HEART ATTACK. AFTER READING YOUR STORY I SEE IT IS POSSIBLE FOR THEM TO CAUSE PHYSICAL HARM ! I WAS HOPING YOU COULD GIVE ME A SHORT CUT AND GIVE ME A PHONE NUMBER FOR THE PRESIDENT OF WELLS FARGO HOME MORTGAGE, I CAN'T SEEM TO GET IT FROM ANYONE AT WELLS..GO FIGURE !
I FEEL LIKE I WANT TO EXPRESS MY FEELINGS TO THE TOP PERSON. MY STORY IS OVER MONEY THEY REFUSE TO RELEASE FROM HURRICANE DAMAGE. THANKS AGAIN FOR SHARING YOUR STORY. SINCERELY, JACKIE EUPER

Kelly,

First off thank you for your help. I did speak with Sharon yesterday and I am suppose to receive my check on friday via fed ex. I will believe it when I see it. Thanks again for your web site it led me to the correct people. I hope you have a Merry Christmas, and may God bless you. Thanks again, Jackie.
-------------- Original message from 'Kelly L. Hansen' : --------------

Attn: Jackie Euper & Sharon Cecil

Jackie, awesome, thanks so much for keeping me posted!

Sharon is always a big help. God Bless You & I hope you have a Merry Christmas!

PS: Sharon Cecil - You're so good at getting things done! Thank you for taking care of Jackie Euper. After sending this to you, I'm going to complaintsboard.com and /link removed/ and saying THANK YOU WELLS FARGO HOME MORTGAGE! It looks like a real effort is being made by the Executive Office to take care of your customers.

That's thrilling!

Kelly L. Hansen
STILL HOPEFULL, BUT at the moment HOMELESS...
46-year old now living with her 70 year old Mother!
Thank God for Mothers.
33605 W. 88th Street
DeSoto, KS 66018

ctsmyhon@yahoo.com
[protected]
[protected] Fax

I agree with the complaint fees are added and you can not catch up on your mortgage some need to help

Saxon Mortgage is killing me! I have been trying to reduce my interest or get a loan modification for 6 months! No one calls me back. I have sent the financial packets. Hardship letters, everything they ask for. just yesterday I was sent another packet to fill out! What are they doing? I am back at square one!~ 6 months of work for nothing!

I only want to keep my home. I am employed and just need a manageable payment. They would still make money. Word of mouth is killing Saxon! They have the reputation of killing the American Dream!

Well i just want to say they have 3000.00 dollars to much setting in my escrow account that they refuse to give back to me even though federal law states that they have to refund anything over 50.00 dollars and they can only hold 2 times your monthly escrow payment. I have hired a attorney and they still won't refund us the money. If anyone has had the same problem let me know please.

Saxon Mortgage continues to charge for Hazard insurance after being informed by insurance agent of existing coverage and giving the run around when trying to remove it. I am an attorney and I am thinking about suing them as a class action. If anyone has the same problem, especially in Michigan, please post.

WE HAVE A LOAN WITH SAXON CALLED THEM LAST WEEK TOLD US OUR HOUSE WAS IN FORECLOSURE. THEY HAVE NEVER SENT US ANYTHING STATING THAT THIS WAS GOING ON AND NOW HAVE CHARGED US WITH THERE LAWYER FEES WE HAVE ASKED FOR HELP HAVE SENT UNCOUNTLESS PACKETS TO THEM AND STILL NO HELP THEY CAN NEVER DO ANYTHING NOW WE HAVE TO PAY 1500. FOR THERE LAWYER AND 5000.00 TO KEEP HOUSE DO NOT EVER USE THIS COMPANY THEY ARE WORTHLESS TO NO END

This company is the worst to deal with, I send payments via USPS registered mail and the payment still does not post on time, trying to talk with them is even worst they are all dumb, and they do not speak english, plus you have to be connected to six depts before you get to the right one. They suck and I would like to submit a class action lawsuit, anyone in !

NEED TO CONTACT UPPER MAGEMENT OF THIS COMPANY, I HAVE BEEN DENIDED A LOAN MODIFACTION AND I THAT THIS IS NOT FAIR, TO ME AND TO SAXON, I ALSO KNOW THAT THERE IS SOMEONE ELSE I CAN PLEAD TO. I JUST NEED TO FIND THEM

Saxon mortgage Damged alot of part of my life and muh more and I am looking for people who want file Law suit againist this company please contact me at lovlyad@yahoo.com and we can talk about it also i am looking for laywer who can help me or us for this matter

I have contacted Project hope and was told to negotiate with Saxon Mortgage and have not been contacted despite having submitted all the required paperwork & letter of hardship.

Have many problems with Saxon Mortgage. Trying to get a modification on our loan, using Titanium Solutions. Has anyone gone through this process?
If so please give some insight on them. We have an adjustable rate, going up in 2 months and are having a battle with Saxon about the payments.

I have tried to obtain Loan Modification from Saxton which bought my ARM mortgage from Novastar. My workout package set for months on a someone's desk only to be informed that my case was transfered to someone else. Then I was served with a foreclosure notice without being able to speak with a workout specialist Saxton is THEE WORST

Saxon Mortgage is not a good company to do business with. The investor (owner) really could care less about anyone and is unwilling to help or go along with programs to help folks, but the investor (owner) has taken the governments money that is supposed to be helping folks out. Saxon should be investigated by the federal government and shut down. I really for one don't care anymore about making my payment one way or the other. When they call I just laugh and hang up the phone. My attitude is you'll get it when you get it. Want the house back...take it. This company and the investor (owner) is out of touch, taking money from the government and not helping anyone, INVESTIGATE is the key word here. I think the feds should get involved. My house is not worth it anymore, why bother to do anything about it when investors are not empathetic to their own customers; makes for bad business. Making a buck is one thing but I never signed up with Saxon, I was with another company and this slime took loans that he thought would pan out. Look like that bit ya in the butt. People lost their jobs, 401's are being eaten away and any other money they had are being attached by slimes like this investor that owns Saxon. I was told I would be sued if I didn't pay, are you serious? What are you going to sue for? I hope this guy is sleeping well at night, I hope his family eats well and his children are dressed well. I pray for this family everyday that they never want for anything. I pray that God will forgive him and his family and the four generations after him. I pray he is a Christian man and forgives me for having to forgive him. I pray for your customer service center that has no clue that what they are saying and doing; this can only lead them into a life of hardship and shame. You are not a job I would put on my resume, that's for sure! All that can be said is shame on you! SHAME!

this is for all the people who have SAXON MORTGAGE CO. i agree with all of you, they shouldnt be in business. this has been going on between us for 3 yrs for me.everything that everyone is stating has happened to me, sending or faxing inportant doucs they lose or gets lost, calling them to talk hard financial times, or to just talk to the same person who already knows your account is a joke because they give your account to other employees who dont care and dont work with you.i did a remod with them about one and ahalf yrs ago and it cost me almost 30, 000$ with fees and attorneys and what ever else they tacked on, its a discrace what thier doing to people.i waited and in between called saxon many many times and didnt get an answer till 5 mnths later, then it was too late, now im being foreclosed on. the gentleman(jefferson)either didnt call back or went to leave voicemail and couldnt leave message cause it was full.and for 2 or 3 mnths the woman who had my case before that was let go, no one new about who took my case, it was in limbo. they said it was do to them moving thier offices, in the meantime it cost me in the long run.

Hi guys,
i will tell you my experience with this unprofessional company Saxon Mortgage, do not waist your time trying to modify your load with them, i had the same problem, i tried to modified thru them and when i send the papers they said that they never got it. now i am in foreclousure but i have an attorney. One of the bests in florida. I will sued them because when i did my closing they lied about my job and my husband and if they don't want to work with us they will get a big surprise.
Good luck to all

I don't know what to do... I have been trying to contact Saxon regarding a loan mitigation since November. I have even contacted an agency that is supposed to help me through them. They keep saying that they have not received my information and I have sent it SIX times! Now they have placed my account into collections.

LIARS, INCOMPETENT, THIEVES, Subprime crap company, and good luck trying to get a mod done, We have been at it for 18 months...we've lost "two so called negotiators for our mod (they were fired) and we did the repayment plan for 4 months to show ability to pay. Provided our financials over 6 times ...becasause they kept losing them...we were told from our 2nd negotiator we were approved for our modification and what we had to pay and that we would not make a payment for another 2 months and then it would start new. He also said he was working to finalize everyhting. 3 weeks later I find out he was let go. Just 1 week ago I get a letter we were turn down...I will let you imagine an irrate customer (me) losing it with the loss mitigation department. They turned it down because they supposedly were missing documents. WHAT! Now I have to start all over again...WRONG! GET AN ATTORNEY FOLKS! This is one of the worst mortgage companies in the FRICKEN U.S.
Docuemnt all your conversations, get names, they have ID numbers - get that too. I am going after them with an attorney and enough is enough I followed all the rules and now I am not getting screwed by incompetence! We live in Tampa, Florida ----- good luck folks and get an attorney

Do Not wait until you hear from Saxon, it will never happen and noe arrangements to help you
will be made by them, Contact an attorney, NOW we have had all of the same and similar experiences listed against not only Saxon but also Novastar, and Home Eq, whose thread of deciet seems to cross paths with Saxon Mortgage company in WAY to many cases to be a co-incidence.
You may contact me at klake45@yahoo.com
Katheryn and Mark Lake,
Dallas, TX

I have been with Saxon since 2004 and I must admit they are not the greatest. I filled a chapt. 13 in 2005. I requested a loan modification at that time and I got no response from them at all. Now I just received a letter from there attorney to take me to court to take my home on thursday 01/08/09 to go to court on 01/12/09. They have gone up on my mortgage 8 times since I have filled. My trustee was responsible for paying my monthy mortgage payments (Tom Vaughn). Saxon says not enough payments made. Has anyone heard of this?

THE AMERICAN REVENGE MEMBERSHIP

TODAY...DECEMBER 24TH, 2008, THE AMERICAN REVENGE MEMBERSHIP IS BORN. TODAY, AMERICANS, HARD WORKING AND HONEST, THOSE OF US BY THE MILLIONS WHOM HAVE BEEN KICKED IN THE TEETH, LIED TO, DECIEVED, TRICKED, AND THROWN OUT INTO THE COLD WHILE OUR FINANCIAL INSTITUTIONS TOOK OUR MONIES, GAVE THEIR CEO'S FAT 15 MILLION DOLLAR BONUSES, BOUGHT OFF OUR ELECTED LEADERS WITH CAMPAIGN CONTRIBUTIONS...THEN TOOK OUR JOBS AWAY FROM US. TODAY, WE AMERICANS ARE GOING TO USE THE TWO WEAPONS NO LAWYER CAN PROTECT THESE PEOPLE FROM.

TODAY, OUR ORGANIZATION WILL BEGIN TO GROW MILLIONS OF US THAT HAD OUR HOMES TAKEN AWAY WHILE CONGRESS BAILED OUT THE PEOPLE WHOM VICTIMIZED US BY USING MORE OF OUR MONEY! TODAY, WE GO AFTER THE FINANCIAL INSTITUTIONS LIKE SAXON MORTGAGE SERVICES, INC. WHOSE COMPANY POLICIES VICTIMIZED AND DEGRADED US.

TODAY WE, MILLIONS OF US, WILL JOIN AND FORM THE AMERICAN REVENGE MEMBERSHIP...OUR MISSION...WE ARE GOING TO TAKE THEIR JOBS FROM THEM AND PUT THESE PEOPLE OUT OF BUSINESS. WE ARE GOING TO USE THE SAME TOOLS THEY USED AGAINST US, AGAINST THEM. IN 30 DAYS, ALL AMERICANS OF OUR MEMBERSHIP WILL HAVE A WEBSITE IN WHICH TO JOIN. WE WILL PROMOTE EDUCATING THE PUBLIC ON HOW TO FIGHT BACK WITH THEIR VOICES AND WALLET, WE WILL TARGET THE PRISON SENTENCES THE FICO SYSTEM HAS HANDED DOWN ON US BY THOSE COLLECTION AGENCIES THAT EXTORTED US, THREATENED US, AND EMBARRASSED US. TODAY, WE WILL HARRASS THEM.

TODAY, OUR ORGANIZATION BEGINS THE PROCESS OF BECOMING THE LARGEST VOICE AMERICA HAS EVER FELT WITH OUR SOLE PURPOSE BEING, TO CHANGE HOW WE, DECENT, LAW ABIDING CITIZENS ARE TREATED AND USED. THESE ORGANIZATIONS USED YOUR MONETARY WEAKNESS TO RUN YOU OVER.

TODAY...YOU START THE PROCESS OF GETTING REVENGE ON THEM...TODAY IT'S YOUR TURN TO FIGHT BACK! I AM A VIETNAM VET, I SERVED MY COUNTRY HONORABLY, I BECAME AN HONEST AND LAW ABIDING CITIZEN, AND MILLIONS MORE SUCH AS MYSELF, I PAID MY TAXES. TODAY, I AM SAYING NO MORE, AND I VOLUNTEER MYSELF TO USE ALL MY INTELLECTUAL ASSETS, MY CONTACTS AND FRIENDS, MY LEARNED EDUCATION, THE TRAINING I RECEIVED FROM OUR PRECIOUS MILITARY, MY FREEDOM OF SPEECH, MY HARD EARNED MONIES, NO MATTER HOW LONG IT TAKES... TO TAKE BACK AND DEMAND THAT MY ELECTED LEADERS WILL WHETHER THEY LIKE IT OR NOT...THEY WILL PROTECT ME AS A CITIZEN OF THIS COUNTRY OVER THAT OF THEIR CAMPAIGN CONTRIBUTION CLIENTS...OR WE WILL TAKE THEIR JOB FROM THEM AND PUT THEM OUT INTO THE STREET THEY DID TO US. TODAY...WASHINGTON D.C. WILL HEAR OUR MESSAGE: "WE'VE TAKEN ENOUGH FROM THOSE WHOSE ONLY PURPOSE WAS TO USE US...NOW IT'S OUR TURN".

TO JOIN, PLEASE POST YOUR COMMENT AND YOUR E-MAIL ADDRESS. CUT AND PASTE YOUR COMPLAINT OR CONTACT ME DIRECTLY ABOUT MORTGAGE SERVICE COMPANIES AND SEND THEM TO ME. WE WILL BE FORMING A BOARD OF DIRECTORS WITH MEMBERS FROM EVERY STATE. WE WILL BE RECRUITING MEMBERS AND VOLUNTEERS. WE WILL BE GATHERING THE LARGEST AMOUNT OF DISCOVERY FOR OUR LAWYERS TO FIGHT WITH, WE WILL BE FORMING THE AMERICAN REVENGE MEMBERSHIP WEBSITE THAT ALL OF US CAN CALL OUR HEADQUARTERS. WE WILL USE THE MEDIA AND THE INTERNET AS OUR VOICE. WE WILL USE DONATIONS TO HIRE THE SAME LEGAL SYSTEM THEY USED AGAINST US TO ENGAGE THESE COMPANIES LIKE SAXON MORTGAGE SERVICES, INC. AND FORCE THEM TO DEPLETE THEIR ASSETS THROUGHOUT THE LEGAL ARENA BY WAY OF CHALLENGES AND CLASS ACTION LAWSUITS. WE WILL TARGET OUR STATE ELECTED LEADERS AND JUDICIAL APPOINTMENTS TO BRING ABOUT LEVELING THE PLAYING FIELD, AND LET THEM KNOW THAT AS OF TODAY, ANY ELECTED OFFICIAL WHOM SUPPORTS THE TACTICS USED BY THESE COMPANIES...THEY WILL BE VOTED OUT...BANKS THAT SUPPORT THESE COMPANIES...WE, OUR MEMBERSHIP WILL WITHDRAW OUR FUNDS FROM THEIR BANKS UNTIL THEY CEASE TO DO BUSINESS WITH THE KIND OF COMPANIES SUCH AS SAXON MORTGAGE SERVICES, INC. WE WILL FIGHT FOR NEW REGULATORY POWERS THAT PUTS THE CONSUMERS INTERESTS ABOVE THOSE THAT PREY ON OUR VERY EXISTENCE. THE FEDERAL RESERVE, THE WHITE HOUSE AND OUR PRESIDENT WILL BECOME AWARE OF OUR VOICE. "WE WANT CHANGE...THE KIND OF CHANGE THAT PROTECTS US AND NOT THE GREED".

FROM THIS DAY FORWARD...YOU TAKE MY HOME...I TAKE YOUR JOB...THIS IS OUR MISSION...TO TAKE PEACEFULL, LAW ABIDING, REVENGE ON THOSE THAT HURT OUR FAMILIES AND OUR CHILDREN WHEREVER THEY MAY BE. PLEASE JOIN ME...AFTER LOOSING YOUR HOME, CREDIT AND DIGNITY...WHAT ELSE HAVE YOU GOT LEFT TO LOSE? GOD BLESS YOU ALL!

SINCERELY,

RICHARD B. CLEMENTS, CHICO, CALIFORNIA

FOUNDER, THE AMERICAN REVENGE MEMBERSHIP

Please contact me directly at: american.revenge2008@yahoo.com

Dearest Beatrix - I moved from Oregon to New York a couple years ago, and I know about Oregon taxes - I was always a year or two behind. I know what you are talking about there.

I also have a mortgage with Saxon, and I did not pay my taxes right away, so they payed them "for me" and my mortgage went from 1300/month to 2200/month. I've been paying that amount for the past year in fear of losing my home, but now, after reading through what Cherokee has posted, and seeing the other horror stories here about Saxon, I am not going to do it anymore. Well, actually, I can't afford to do it, and I want my family to have a Christmas this December, so what money I have available is going into their Christmas, along with heating fuel expenses and food.

I couldn't pay November, but I might be able to pay for November in December this week, but the inevitable is starting - they will probably be calling the note in short order.

Thank you Cherokee for your information - I am going to go hang out on your page for a while and start my fight plan. And good luck to you Beatrix - don't roll over. I am sure there is something in the law that says modifying ones' monthly mortgage payment without due process or prior notification is not legal. It would be a nice, long court case at the very least, which would give you time to recoup.

Hire an attorney! Take the money that they are not accepting for your payments and use $500 month for an attorney and save the rest. Let them fight Saxon for you. that is what we have done. You should call one ASAP if you have an auction date. Do not work with Saxon any longer. We jsut recevied a letter from them in response to our BBB compaint and they advised that they cannot stop any foreclosure proceedings while they are "working" with you.

We payed our mortgage regularly and were on an Arms, fixed for 2 years. We were going to refinance in October of 2008, as the Arms would off the fixed interest. Last Decmber of 2007, still paying in timely fashion, but we were on year late in our property taxes. In oregon you can go up to 3 years late, and then if you pay one year, you keep your house. We were planning on paying the prop taxes at the time of refinancing, this october. But in December of 2007, without our approval, Saxon paid 6000 dollars in prop taxes and added it to our monthly mortgage. This turned our $2200 mortgage into a $2900 mortgage. We told them we could afford that. We sent them the regular $2200 and they returned it. They did that each moth and finally we were months behind in mortgage that they wouldn't accept. They started foreclosure. We tried to negotiate and never heard back. They had us fill and send a negotiating package 4 times over 4 months. Whenever I called they said that someone from resolutions would call back and I never heard back. Finally, a couple of months ago, we got a notice of intent to sell on December 1st of 2008. Again I tried to call and negotiate and was repeatedly told I'd be called back, to no avail. They told me to ask for an extension and negotiation 72 hours before the sale date. But yesterda, 9 days before the ssale date, they called and told me my "loan modication was rejected" They also said I cold file an application for other options such as "short sale", "Deed in Lieu", and "money for key". BUT they also said it wold take at least 10 days to get into their system, and the sale of the property is supposed to be in 9 days. The first notice of sale I got was from Saxon, but the last one, 2 weeks ago, was from Deutsch Bank. I am truly at a loss and don't know how to prevent my family to be evicted in 2 weeks, during the Christmas Holidays.

Hi everyone,

I got that page together that I mentioned in the above article with links to many helpful resources for mortgage fraud, internet fraud, telephone fraud, if you've been ripped off, believe me, there is help for you on this page! I am a consumer helping consumers and this page is free to you!

copy and paste this link to access page:

http://amazingdreamcatchers.com/id207.html

I even explain the steps I took to get our case heard by the Attorney General!

Don't give up the fight! Educate yourselves because the less you know, the more they get away with!

GOOD LUCK!

FTC has not done a things with the complaint I filed 6/08. But Saxon signed a contract with the Hope Now Alliance to help keep people in their homes by Modifying their Mortgage Loans. Call Hope Now [protected] who will assign a Hope Now Rep. to mediate with Saxon by 3 way conference calls to modify your loan to a 5 Yr. ARMS.

I have left over 3o messages with my case worker at Saxon Mortgage! Her name is Trennia Smith, and also over 20 emails. No returns calls. First, they gave me the short end of the stick with a loan modification at my same start rate then they gave me docs for a 5 year balloon! My problem is I'm 40k upside down. What will happen in 5 years if my condo has not appreciated? I'll loose my house anyway. I agreed on the modification out of fear that I had nothing better and the fact it took from April until August to get the modification complete. The good news...Hopenow said I qualify for a 6% fixed 30 years. I said, sign me up asap...please. I'm hoping this pays off. I just started the Hopenow process yesterday, 12/11/2008. With any luck, I'll be sitting a lot better. Saving over 250 p/m!
My original start rate was 8.375%. Saxon said, we can only keep you at the same rate. If, hopenow fails in this or Saxon refuses to accept the lower rate, I'm just going to walk away from this home and they can eat the negative equity.
*****The easiest solution to fixing our economy is dropping everyones rate to 6%. Imagine if everyone had 250.00 dollars of extra cash per month?

The Large Morgage Companies (Morgan Stanly, Chase.Wells Fargo Etc.) are hiding under servicing companies (Saxon, Ocwen, Wilshire Etc.). Their purpose is to put as many homeowners into Forcloser or Drive up the forcloser rate, as much as possible. Their using the home Modification process as a tool, to Drive up the number of foreclosers. This will inturn force the U.S. Goverment to Give them What they want, the money for the overly inflated home loans "(Bail Out)" and they get to go after the property (Homeowner) at full "Contract" value. This is an opportunity to recoup loses from bad Assets, and hold onto the Assets to resale the Assets at 20% below Market Value. Starting the process all over again. With no Federal regulation insight to stop them. this will be the biggest Scam in U.S. HISTORY. [protected]

WE ARE IN THE SAME SITUATION. CONTACT THE FEDERAL TRADE COMMIOSION (WWW.FTC.COM) AND FILE A FORMAL COMPLAINT. THEY WILL TAKE ACTION AND IF WE UNITE AGAINST THIS CORRUPT CO. HOPEFULLY WE CAN TAKE THEM DOWN.

CONTACT THE FEDERAL TRADE COMMISION WWW.FTC.COM THEY ARE IN SO MANY VIOLATIONS. WE ARE EXPERIENCING THE SAME NIGHTMARE.SPREAD THE WORD

I like so many others have attempted to get Saxon to work with me for my loan modification. Mutiple calls and and when I did get thru all i got was the run around. Before they could not find my paper work that was faxed and email many times. Finally today the day before my sale date 12/17/08 I spoke with some brainless nit who told me that my modification papers supposedly submitted by someone I have never authorized or heard of those papers and those figures not mine had been reviewed 11/27/08 and found lacking my modification has been denied and the sale will go thru tommorow. So I AM S.O.L I have lived in this house over 30 years!

1. While our Mortgage Company was changing to Saxon they did not notify us, when we sent the payment in, they said they never got and tact on late fees, took many phone call to correct the problem and even more to take the late fees off the account.

2. We started having some finacial problems, my husband lost his job, we communicated to Saxon about financial issues a 1 1/2 ago, filled out the forms so they could review our case, they just procrasinate, sent us papers put us in forclosure, tack on fees, we hired a Company to help get us out of Forclosure.
The company did get us out but now they want the little money that we have in escrow and then what to raise our payment to 12, 000 a month plus raise the interest rate to 8.8%.

3. We were told that all the mortgage companies our willing to negoiate the rate now with the homeowners, but not Saxon.
Our house is worth less than our debt. We are are considering a short sale. This experience with Saxon has been frustrated nightmare.

MY HUSBAND & I HAD A LOAN WITH THEM ABOUT 9 MONTHS, WE HAD A HARDSHIP BECAUSE MY HUSBAND JOB HAD REDUCED HIS HOURS DUE TO LACK OF WORK. THEY DID NOT OFFER TO HELP US ANY WAY AT ALL. MY DAUGHTER'S COMPANY OFFERED A REPAYMENT PLAN BUT ALL THEY TOLD US WAS TO SELL OUR HOUSE SO THAT WE COULD PAY THEM.
WHEN OUR PAYMENT WAS LATE PAST THE 15 DAYS, THEY CALLED US EVERYDAY. WE TOLD THEM THAT HTEY WOULD GET THE PAYMENT BY THE END OF THE MONTH. THEY WERE THE WORST MORTGAGE COMPAY THAT WE HAVE DEALTH WITH IN 30 YEARS. THE REPS ARE NOT COURTEOUS AT ALL.
NEVER DEAL WITH SAXON MORTGAGE. THEY ARE A NIGHTMARE.

I read so many complaints against Saxon and it seems like the goverment or any higher ups just aren't helping. Why?

Back in September we called Saxon and asked to lower our mortgage. We spoke to Sheila Bright she stated she could not do anything with our loan since we were not behind on our payments. She stated she can freeze the rate for the next 5 years. We asked what the catch was, She stated no catch. We explained to her we will try and refiance she said we would have no problems getting out of it. Our mortgage was about to go adjustable so we signed the papers while we tried to refinace. After dealing from bank to bank we could not refinace do to our credit scores. Now we have never missed a mortgage payment but since our payments were so high it caused us to push other bills to the side.
We went back to Saxon and stated we were unable to refinace. We wanted a lower rate to help us, Saxon stated they could not do another loan modfication since we already froze our rate. We were upset, From day one this Sheila lady never stated that to us, It's not even disclosed on our papers we signed. We asked why weren't we told about this policy she stated they did not need to.
Now i dont work for Saxon, I dont know what there rules are. Yet Saxon will not do anything to help us. We put in a complaint with BBB. Saxon are crooks and they trapped us into this thing. Little is our fault for not being educated, But Saxon should have disclosed us of that policy, Your only allowed one loan modfication for the life of your loan.

The way i look at it i dont care if i have to sue them i will get my high rate lowered, Even if i have to sue them. We are working with a loan modifcation company now, I just hope they can do something for us.

Saxon are crooks, ### and rude. You cant even speak with anyone there without being rude. SAXON one way or the other you will go down!

mortgage payment is based on $187, 000.00 and the home is only worth $77, 000.00 in a low income proverty area of Sacramento, CA. Tried working with Saxon to modify loan. After denial of recieving paperwork and faxes i was denied. now I owe back payments as well as current. Monthly payment requested is $1, 870.00. Need help in keeping my home. Tried NACA also with negative results

Watch out for these guys, we pay our mortgage directly each month and all of a sudden they change the acct. number on our check (we have a photo copy of it and they admitted it was their mistake) yet they have their collection people calling threatening us about non-payment, even after their customer support people promised it would stop...attorney general is the next step i guess. Plus they wont return calls, make you wait forever and then they actually hang up on you when you confront them...slime. When you try to reach anyone of authority they just string you out, no accountablity.

In May 2017 I applied to Saxon for a loan mod, due to underemployment, they have played me long enough I am asked for this asked for that all of which I supply in a timely manner then nothing, when I complain, I am asked for the same info all over again, they refuse to action my file, why because no matter what I have gone without electric, health insurance, car insurance, food but I have made the payment, I have taken loans on my car title, I owe payday loans, but as long as I pay them they will do nothing, if I loose my credit I loose my business which is what is paying them now, how can I get some help, I never speak to the same person twice, most of them have no idea what I am even talking about, supervisors are even more ***. HELP They deserve to be prosecuted, the mod process is not this difficult, they just want to claim as much interest from me as they can before sending me to the forclosure world, its criminal.

well i have had it with saxon mortgage. they are going to sit on this house for ever!when i first bought it i payed 160, 000.00 for this house and that was 8 years ago...2 years ago it was appraised for 270, 000.00 today it is worth 91, 000.00 with tons of upgrades :( how sad i let them know that my boyfriend is unemployed now cause there is no work here in las vegas. he went from owning an undergroung utility and plumbing company and now there is no work. well now they shut down city center that employed apx15, 000 employees and they are now at a stand still the unemployment rate is now at 10% not including the people they just laid off...
what are hard working people like us supposed to do with no JOBS! they have the upper hand cause they all have jobs. and every time i call i sing in my head "were working 9 to 5" and when they pick up the phone all i hear is mumbling babbling idiots tell me how irresponsible we are and that we don't make enough for the loan modification! wtf. somethings i just may understand i am going to call MORGAN STANLY and see is they mumble the same tune I'M SICK OF IT ALL WE WANT IS JUST A LITTLE HELP AND I'M NOT SPEAKING FOR JUST MY HOUSEHOLD I'M SPEAKING FOR ALL OF THE HARD WORKING AMERICANS WHO NEED HELP! I'M SCARED TO MOVE TO A NEW HOUSE CAUSE EVERYTHING IS NOW IN FORCLOSURE...

I WONDER IF THEY CARE IF WE HAVE FAMILY TO SUPPORT! PROBABLY NOT!

I have had so many problems with Saxon Mortgage but here are 3 truly wrong things they've done to me. First, I was behind a month on my largest loan amount, so I was to send a check covering both months, plus the fees. They put that check money with the correct loan number on it and put the money, instead, on my much smaller loan. So then I was paid up for 4 months on the small loan, but still behind on the larger loan. So I accrued many extra fees, and, no, they wouldn't correct their mistake They lost 3 different applications for loan modification because of hardship. But the last one I can't believe is even legal-I was behind and looking at forclosure if I didn't pay a lump sum and then have 6 months of large payments to catch up. I paid the $5000 lump sum and when I went to pay the first monthly payment I was blocked from paying- I talked with people but, nope, they couldn't change it. So now I am behind by 10 months and one person suggested I should pay something on my loans-WHICH I WOULD HAVE IF THEY HADN'T BLOCKED ME FROM PAYING I'm disabled after working 35 years as an R.N. AND ON SOCIAL SECURITY- SO i AM SURE THEY WILL TELL ME NEXT WEEK THAT i AM LOSING MY HOME. Every person I have talked to at Saxon has given me a different answer to a question But I do have names and IDnumbersand I have kept a log of everything that transpired, but so what if my home is gone.. (I have over $7000. in fees!)

I have a mortgage modification company, and I have seen several clients either give up, or struggle for months to get a modification completed by Saxon. They do not care about their clients. They are only interested in benefiting themselves. They purposefully put you on hold and disconnect you, lose or misfile paperwork, misapply funds, give false information to the clients, to worry or falsely impression clients negatively, so that they give up, and outright lie to you! These programs are here to help, and if you as a qualified mortgage holder that does qualify, get help! Get a professional to help you, be it a reputable mortgage modification company, or a lawyer, but DO NOT GIVE UP! They cannot play this game indefinitely, and they will eventually have to answer to someone, so as long as you are still in the game, you can win. If you quit or give up, they won, and that is exactly what they want!

rip off artists they need to be shut down

We have been fighting with saxon for the last month and have got no where with thoes ###! the mod- forms we were told to fax in that thay never seem to get well I have nothing but time on my hands but to send and resend over & over for hours on end I will burn up their fax and waste as much of their paper as i can and burn up all the memery in their fax's every fax number i come across is geting loaded with MY info ( SORRY SAXON DO YOURE JOB) so any body else like the rest of the contry haveing this prob- with saxon do the same call the F.T.C. file a report as i did and keep faxing if you dont have a fax GO GET ONE and put it to work and over load their system some body will get tired of this soon or latre and start doing their job !

Check preditory lending sevices, many of these forensic ausitors list this company as one of the leading fraudelent mortgage companies, with many illegal statements in their mortgage packages for lack of better word. They refused to work with me when I was out for surgery, and then another surgery six months later, when I am still out of work, due to a cast on my foot. They make money from foreclosured, and trying to gain a modification, does not work, as they do not care about the consumer, only the money they make from foreclosures. The best way to beat them is auditing their illegal practices, and not falling into a company promising you a modification, when this is actually nearly impossible. What ever you do, do not enlist the services of Forclosure law center located in Florida, they will make you all kinds of promises, ones where they gaurantee to take your money, and promise to give you a rufund if they cannot deliver. Check their ratings and any other firm you might want to hire for help. They are one of the worst companies out their running scams, and Saxon is one of the worst companies to deal with to help the consumer. They simply don't care. I make a six figure income, and it doesn't matter, even knowing I will be back working in 3 to 5 weeks. Cneck very carefully who you hire. I consider myself a well educated consumer, but desperation can lead to impulsive decisions, that in the end can only mean bankruptcy!

We would also like to join your class action law suit. I can not begin to tell you the problems we have had with Saxon if we did it would be a book. Please contact me at texastblackgold @sbcglobal.net. Thanks

where can we join my parents are in foreclousre and its getting closer and im not gonna just let them run me over i feel like we have been a victim of predatory lending mislending by modications and so forth please contact me jancongonzales@yahoo.com

please contact me to join this battle, although they sold my mortgage to Ocwen which is an equally bad company, Saxon held my mortgage for the longest amount of time, and I still feel I have the right to fight! Joanie D,
otpink@aol.com, anyone out there with Ocwen right now?

I have an attorney right now that is getting ready to fight with saxon need emails asap to get ball rolling sherrya.ingram@verizon.net & sjkjhgrant@comcast.net

I also have a loan with saxon and very upset with the way my loan is handled. Ive been having problems with them since 2006 alll these complaints ive read sound as if it was me writing the complaint! Im going through the same kind of problems. Iam in pre forclosure due to there errors. I would like to be informed on any class action lawsuits. These people need to be put in place willing to fight it all the way. You can email me @ sexiemissy28@aol.com

I would love to join the class action lawsuit Saxon mortgage just forclosed on my house and I need some help with what direction I need to go. So please call I am very interested please contact me at Samantha_Sapp@yahoo.com.

I would like to join for class action lawsit if any one looking to do contact me at lovlyad@yahoo.com