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ENR LLC (Rip Off ?)

America's Servicing Company Complaints - Rip Off

Review all America's Servicing Company complaints

America's Servicing Company

Posted: 2008-09-09 by Sally Stuckman

[send email]

Rip Off

Complaint Rating:

Company information:
Ohio
United States

My loan was transferred to ASC in 9/2006. I'm in the process of trying to refinance my loan now. ASC will not provide my mortgage broker with my payoff balance because I haven't made this months mortgage payment. Also, after reviewing my payments I noticed that in 2yrs only $912.17 has been credited to the principal on my account and the rest has been interested. Since I pay $650/mo. there should be more paid down than this. This company is a fraud & strives to snatch homes away from american families.

Comments

United States

Mortgage Companies

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539 days ago by Anonymous [send email]

0 Votes

First, you are certainly not being truthful about ASC not providing a payoff statement. The only reason that would happen is if you're in active foreclosure. Then you would have to obtain the payoff from the foreclosure counsel. Second, read your Note. What is your interest rate? As you are being serviced by ASC, you are a subprime or nonprime debtor so your interest rate is probably quite high. How much of your OWN money did you use to purchase your home? I would venture a guess that your home is 100% financed. Because you have no vested interest in your home, you don't have the same level of commitment to making your payments on time as if you had to use some of your own money to buy this property. All loans are amortized the same way with the majority of payments going towards interest in the beginning; about half and half in the middle, and the majority of the payment posting to principle at the end of the loan. The fact that you could make such a supremely stupid remark about ASC 'fraudulently' misapplying your payments is proof that your complaint has no basis in fact. Finally, banks and lenders are NOT charitable organizations. You borrowed money and you are required to pay it back. The bank makes it money on the interest. They do NOT want your run down property. Grow up; make your payments and stop whining and spinning stories when it's obvious you have no clue what you're talking about.