ASC Warranty

I purchased an extended warranty with ASC Warranty on August 26th of 2021 for $2,545 (6 years; 120,000 miles) at Keast Auto Center in Harlan, Iowa. My GM truck had 9300 miles on it when I sold it and I requested a complete refund, since I never used the warranty - GM has this truck under complete warranty for 3 years, 36,000 miles. The finance person at the dealership where I purchased the vehicle told me that there would be a cancellation fee and that I should only expect to get $2,490 back. In fact, I only received a total of $2,290.95 back (ASC reimbursed $1,490.15, saying there was a 9% usage fee) and (the dealer refunded $800.80 saying that ASC Warranty had stated this was the dealer's portion of responsibility). I called ASC Warranty at 888.207.0166 and spoke with a representative for ASC Warranty who told me the difference was a 9% proration! However, this vehicle's GM vehicle warranty covers this vehicle COMPLETELY for 3 years, 36,000 miles and ASC Warranty was never liable to pay out anything during the short time I owned this vehicle; however, the representative argued that they would have been liable. I will only be satisfied with this situation when ASC Warranty refunds the other $199.05. I will also be filing a complaint with the BBB and CFPB.

My heart goes out to everyone who is suffering at the hands of a predatory lending scheme. I'm going to share my story with you AND THEN follow up with someone who was able to, just very recently, get Wells Fargo to help them. I want homeowners, or recent homeowners, to at least call and/or e-mail Cara K. Heiden, Mary Coffin, and Sharon Cecil in the WFHM Executive Office. I give you their e-mails, direct phone number, and address below. Please try. I'll say prayers for you and your dear families. Remember, keep trying. Expect God to bless you. And I know he will.

In November 2006, 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 just can't end like this. I will NEVER stop trying to find restitution and peace. And I will NEVER STOP sharing my story just in case it might prevent someone else from losing their home. From facing agonizing months on end. Being turned inside out with fear and pain. From losing their retirement, their live savings, their security. If I had children, I don't know how I'd be able to face it. I don't know how these companies are able to do what they do to famies who have trusted them. It just breaks my heart.

BUT remember, some of the readers of my blogs have been e-mail me sharing good news about the help they are beginning to receive from Wells Fargo Bank. So DO NOT GIVE UP!

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 (don't hesitate to contact me!)
[protected]
[protected] Fax

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]

BELOW ARE RECENT EMAILS THAT HAVE ENCOURAGED AND COMFORTED ME:

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] :)

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

Print - Close Window
Date: Sat, 20 Dec 2008 07:12:07 -0800 (PST)
From: "Kelly L. Hansen"
Subject: You deserve each and every blessing you receive, Jeff. Because you give your heart to others.
To: "."
OK - wow, how do you share your heart so well? You have blessed me with your success story. Can you imagine how many others will be encouraged, uplifted, and energized when they read your words?

I wish you would have been able to do the FOX interview! It sounds like God is using you by giving you so many opportunities to share your story! Very few people go to the forbearance table with a specific plan, a win-win for both the lender and the homeowner. That is key and something I never considered.

Both investors and lenders would most certainly warm to homeowners who calmly expect a successful resolution.

May I ask where you posted your story? I want to go the site and read it!

Now, I ask for your prayers. I lost possession of my home two weeks ago. Your letter, your warmth, delighted my being! Once again, PERFECT TIMING!

You've energized me to get your story out and get back to what I love doing. Thank you, Thank you, Thank you. I really love being thought of as a guardian angel. I so very much want God to be able to work through me. And I've prayed for specifically that just within the last few weeks. So wow, thanks so much for your affirmation. Hugs and Kisses to you, to your family, and may your holidays be filled with joy, and peace. Aaahhhhh. Sweet, sweet peace. God Bless You, all of you.

"." wrote:
Hi Kelly,

Where do I start? I read your letter to my family tonight (taking a deep breath with every new sentence) Thank you!
And yes, you can post any, and all of my stories. We're in this together.

The blog you posted saved our future! The key to ASC success was dealing with one individual, and after sending emails to Wells Fargo's President, V P, And CFO, I had a response in four days from ASC! My wife was the one who took the call that morning while I was out dropping off the kids at school, and when she called me on the road with the news which was:"We are calling you from the executive department of ASC, and are very sorry you have had to go through this, we are assigning you to an individual who is going to get things straight, and it doesn't get higher than this", I could not believe what I was hearing, something that we worked months on with nothing but confusion, misunderstandings, three months delinquent, then all of the sudden...this? It was like seeing 911 all over again, I don't believe what I'm seeing, and hearing!

I wept behind the wheel to the point of almost having to pull over, but continued driving because I needed to get home to my wife and hear it again in detail. As I walked through the door, I saw this look of disbelief in her eyes mixed with a joy I have not seen for a long, long time. When I sent those emails out, I never thought a reply was coming, but something happened. In the subject line of those emails read "Why do you want my home?" I proceeded to explain the 100's of horror stories written by ASC victims, and how they all sounded alike, as did mine. The one question they had to ask when contacting my wife that morning was "how did he get that email information?", and my wife's reply was "you can get almost anything off the internet these days", which is how I found you Kelly.

All I did was Google "ASC Complaints", and OMG, there you were, along with more than I could handle. Fox Television even contacted me based on a blog I submitted, and had been getting so many calls, yet mine stood out, and wanted to do a live interview with me at my home, but I had to decline, for that was the day we were to get the news on the Special Forbearance Option that was about to be put into motion. We got the forbearance, yet within a week, ASC called back, and based on a plan I suggested they use, was submitted to the investor, and they approved it three months ahead of schedule.

All of the delinquent payments were then rolled back into the loan, interest reduced, payments reduced, and the rest goes into the history books. I've got you to thank for this Kelly, and I have passed this info to others whom have contacted me, and told me that they are starting to move forward in a positive way. ASC has also told me that the plan I suggested they implement for us, will now be used in other situations. A plan that has never been used before. I'm a Realtor, suffering like everyone else, yet WAMU agreed to a loan mod on another property that I own, and worked so well, I had to tell ASC where they were falling short, and how this plan could make it a win, win situation for the both of us. 3% year one, 4.5%, year two, 5.7%, year three, and every year thereafter.

So there you go. It's snowballing, and God used you, as he has used me to help those who are at a total loss as to who to trust, and which direction to go. I still look back on that morning when I got that call from my wife, and immediately thought of you. I saved your blog in Microsoft word, and was able to retrieve it. I needed to say thank you over and over again. I'm a firm believer that when you do good for others, good comes back to you. You're a God send Kelly, and I owe so very much to you for what you have taught me. If not for that information I just happened to stumble across that day while on a last chance mission, our home would now be gone. A million hugs and kisses to you my dear, you to are a totally awesome person!
A wonderful Christmas to you and yours!

I believe in miracles Kelly, and whether you know it or not, God appointed you as my guardian Angel!

Warmest regards,

Jeff Taylor
----- Original Message -----
From: Kelly L. Hansen
To: classicdad@cox.net
Cc: Kelly L. Hansen
Sent: Friday, December 19, 2008 9:14 AM
Subject: i'm so happy for you! Thank you for your kind words - they mean more to me than you could know.

wow -- I can't tell you how much your kind words were needed today. 30 minutes ago, I said out loud (only my dog hears me) "God I HAVE to have some good news TODAY!" Your e-mail may have been written a few days ago, and I'm sorry I didn't get your voice mail, but God used you tonight, Jeff. Just knowing you took the time to write is awesome. You will just never know, honestly, what a blessing you are.

So many people are hurting, and your encouragement took a 200 lb load off my heart and gave me double the strength and motivation to keep reaching out.

People are so scared to trust anyone - and they should be. May I share your e-mail with others fighting to keep their homes -- and prayerfully SOME equity? I do understand if you aren't comfortable, and I promise I won't send it any further. I have to ask because I know what it would do for so many facing the same mind boggling struggles. So let me know if you are comfortable with passing along some smiles.

GOD BLESS YOUR HEART. I THANK GOD ABOVE THAT YOU WERE BLESSED WITH A POSITIVE OUTCOME.

If you have already written your story anywhere, I'd love to read it! I want to know (I promise I'll keep everything confidential) who finally cared enough to help a hurting homeowner!

Yes, I'm still in my home but now after Wells Fargo Bank dba Americas Servicing saga was all worked out, loan reinstated, $12, 000+ credited to my mortgage account -- 20 days later my home was sold at a sheriff sale. I walked with eyes wide open smack dab into the middle of a foreclosure rescuer scam artist LLC. "Equity-Strippers." To just say just the very least, and leave you alone, they forged a Quit Claim from me to them, mortgaged my property to the max hat at one time had significant equity (for me) and now I'm fighting with

APPLE ASSETS LC
BEID: 3016292
DARRIN T. VOLK AND LARRY HEDENKAMP
9379 WEST 75TH STREET
OVERLAND PARK, KS 66204

under investigation for mortgage fraud, forgery, and sexual battery -- six identical cases in court at the same time all Quit Claim fraud, all forgery, but I'm still fighting just so exhausted. DEAR LORD, WHAT'S UP? I don't know where my story ended with you, but let me know if you want to hear anymore about the pain these lenders lovingly spread around -- if I were you and FINALLY had a happy ending, I sure would understand if you prefer to move on.

If I had a happy ending, well, I'd still stay very very deep in this. Too many people have too much to lose. And they are losing it.

Tonight I'm going to take my legal books away from this laptop, and pray a huge thank you for your happy ending. So, so nice.

Thanks for sharing.

"." wrote:
From: "."
To:
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] :)

i was supposed to get help and i wasnt even behind city misplaced my certified check and sent my payments back to me witch put me in forclosure .i called for help from hope .big mistake i made the payments, i was supposed to with the help of hope they forclosed anyway i have prof of all payments and city recieving them and still lost my home. city said they never spoke to anyone on my behalf about my payments.after the foclosure hope said the lady that helped me didnt even have a lincience to work in my state.they hendered my case not helped it .i lost

let's get together and do a class action lawsuit. I'll research the law firm

call me at [protected]

Please advise everyone and anyone who is checking on "ASC", "America's Servicing Company", they are, in fact, a/k/a "WELLS FARGO BANK, N.A.", do not be fooled by the great reputation of Wells Fargo Bank, because it is truly, honest to God, "ASC"! They have so much money, there's no end in sight, they have the ability to falsify documents, make false accusations, promises or negotiates for mitigation of your loan is only a deploy to delay you and make you believe they are working "with" you, but truthfully, they are biding their time until a "default" can be entered in the foreclosure matter that is presently pending, then they'll tell you that they need additional paperwork and/or 30 days to decide, which is a code for 30 days they will have your home sold at auction and they will invite you out of your home. Seriously folks, tell anyone and everyone you know that deals with Wells Fargo or ASC to remove any and all accounts from both of them. Your only way to make any money is to own stock with Wells Fargo Bank, N.A. and become a stockholder. You are guaranteed to lose your home or property if you are in business with them. Check on Wells Fargo's ownership in whatever other businesses so you have a better picture.

Let's do the class action lawsuit. Please let me know if you want me to research
an attorney.

Please call me at [protected] - I'm in Los Angeles County

How AWFUL! We have been dealing with this horrible company for months trying to get a loan modification agreement - they sent us another persons agreement, lost our information many times, lied and lied and lied, can't keep their story straight. Something needs to be done about them, any ideas on who to contact or what to do?

The actual website name is www.mortgageaccountonline.com and it does work as I use it myself to see payments credited, escrow information and property taxes, as well as amortization schedules, and yes you can make payments with the just in time one time draft service is free. No, I do not work for America's Servicing nor for Wells Fargo, I am just an everyday ordinary citizen going about her personal business. I will say this for the company when we had problems with out payments or questions, the customer service was excellent and they explained everything patiently and thoroughly.

Made payments, forclosed 10/07 for non payment, notified in 2/08 we were in forcloser, have 4 forbarence agreements new loans have made all payments early, still 2 days before payment due they charge late fee reported to credit bureu we are 31 payments bedhind but each year we have recieved 1098 for interest payed on mortgage over 10000.00 now they want to do a new modification with payments 3@ 1100.00 and 1 @ 41000.00
and then will look over payments and refinace 121000.00 all together 165300. 10years ago we paid 76000.00 we have no equity and never took out a second but we 97500.00. the judge dismissed the forcloser each party pay there own fees and he told asc they need to learn how add and the lates charges he did believe in them. I have faught for three years alot of money and stree and time I am tired. i dint think any of us can win.

I WILL CHAIN SAW MY HOUSE DOWN TO THE FLOOR LEVEL BEFORE I LEAVE THE HOUSE BECAUSE OF FORECLOSURE, I WILL PUT LIQUID CEMENT IN EVERY TOILET, SINK AND HOLE I CAN FIND, SEE IF THE CAN MAKE ANY PROFIT OUT OF ALL THE SWEAT I INVESTED FOR SO MANY YEARS OF HARD WORK.

There is no way that a mortgage company is going to foreclose if you are one month late. In fact, Wells Fargo gives you a 30 day grace period to pay your mortgage payment, as do most other mortgage companies. And most companies (Wells Fargo included) will bend over backward if you call them if you are going to be late. You could have worked out a payment arrangement, gotten a forbearance, or in worst case scenario filed for bankruptcy. But they never would have foreclosed after one month. Foreclosure is a complicated procedure and by law they have to give you options. Sounds like you are in a bit of denial and unwilling to accept the responsibility for your own actions.

What does being a cop with kids and a wife have anything to do with this? What scares me is you are a cop, are you as bad a cop as you are in home finances? Just like you say to your suspects, there’s more here than you are telling. Oh and read you contract, you will find that just one payment missed is reason to foreclose or demanding full payment of the total loan. You could have easily worked out a forbearance agreement when the problem first happened. I do not know of a single mortgage contract that will accept a partial payment. The very seconded you get in trouble, what is anyone advised to do? Call your creditors! Even ASC will work with you.

Looks like someone needs to look up the definition of the word "ironic" in the dictionary.

I'm ready for a class action suit too. I think we should get all our stories together and go to our congress people first. I can set up a Facebook page that we can all write up our complaints or something. We are doing a short sale on our home because we no longer want anything to do with ASC and we have to move for my job anyway. They have been jerking us around since last August on a loan modification. First they didn't get the paperwork, then they find it, but we have to redo it because their imaging dept can't scan anything in blue ink. We had to redo in black ink. Can you believe that? There's more but it makes me sick to my stomach when I think about them.

let's do a class action lawsuit. call me at [protected].

I have read all the complaint and i have to say that it made me feel better to know that i am not alone. It will do you no good to waste your time trying to find out info on asc. Try wells fargo that may help u better because i keep getting envelopes with wells fargo home mortgage printed on them and i am financed through asc. On my good days i gather my friends over and we get out my paper work from asc (that is all the stuff they have messed up like my escrow account, how much i do or dont owe for that month, my canceled insurance paper for my insurance company because they didnt pay, but i was paying 451.00 to much in escrow a month for over six months) and i call every department just to see how much more stuff they can screw up. They have put my family in such financial hardship that know every payment is late and not only theirs. So life goes on my family is still together we are in ruin but alive. We have know other option but to let the house go and find a rent to own somewhere; so for now i am staying here rent free. so long to asc!

The same thing happen to me with them. I now how a payment that is way to high for the house I live in! What can we do?

My dealings with ASC have been horendous also. I was sold to them by Fremont investment. Shortly after that I had some taxes due, and ASC paid them with out my consent. They then tacted the amount onto my ever rising mortgage. When I could not pay all at once, I began to make 2 payments within the same month. That tacted on a late fee. Then ASC would send out appraisers to my home for which they charged me for. Not once, or twice but several times a month. When I asked for restructuring or loan modification, they gave me a plan that was $1000. more than what I had been paying a month. When I could not pay that they set it back to the original ridiculous amount, that I had trouble with and then stated over the phone that it would be that amount for 4 months, then the 5th month (July) they were not sure what it would be. When I got the agreement in the mail it said I will owe $14, 456.00 for the month of July. Boy! am I screwed. If the $2, 558. was hard, then the$3, 558. was way to hard, then back to $2, 558., hard a again. What makes them think I have $15, 000.00 stashed some where. My orignal payment was $1, 500.

We are also victims of the Horrible company ASC. We have had our home for 7years and they took over the loan originally from WAMU. What a diffrence we fell behind in payments and I madecontact with them and wired them 1575.00 to start my loan MOD and I just found out that they are foreclosing my home whikle I am still paying them all of thast money. I could have kept that in my pocket and moved.

These Vulchers need to be stopped someone need to contact the Governor or President someone with power to help us the people of the Inited States. HELP! Lets all class action this place

Have anyone had any luck with their mortgage modification? If yes, please post a comment with the actions and tools that was used to achieve the modification.

I have been going through the same thing with ASC. I applied for a loan modification in December and was told that it would be at least 45 days before a decision would be made. 3months later I get a letter telling me I was denied. Now sitting in full forclosure procedures. I reach out to some companies for assistance. I was told to get the pa 91 notice but ASC refuses to give this document to me. I can only pray to come up with the money and REFINANCE out from ASC... Horrible Company.

I am also getting screwed by ASC. When my mortgage was sold to them, nobody sent a letter or called, so I sent my regular payment to my old mortgage company. The check was cashed by the old company, but was never applied to ASC. So from day one with this company they have said I am a payment behind. So I finally just paid an extra payment to get them off my back, which put me behind on everything else. Then they messed with my Escrow account, and put me in the negative which in turn raised my mortgage payment It's been one thing after another with this company. I fell behind 2 payments, and now I just recieved forclosure papers. I have until April 21st to pay to reinstate, which is an ungodly number. I want to pay, but am scared to death I will pay and it will just be something else. I can't keep digging myself out with them, when in all actuality they are the ones scamming me.

OMG, I thought it was only me! I am totally screwed byASC. There modification dept totally misinforms!
I started my modification in Nov 2007 and was told the same thing it would take 30-60 days and would be assigned to a negoitator within two weeks, oh yes and not to submit payments to either put them in a suspense account or a savings acct until the modification is done, because investors will not help if there is not a need. They assured me the payments would remain the old amount until the mod. was complete . I was not convinced this was correct so I asked to speak to a supervisor who advised me the same, I took down names and employee numbers and reasked the question everytime I called which ended up being a spreadsheet because they would not return calls. Needless to say it took 6 months and refaxing the same info 3-4 times for them to say they denied me because I did not meet the new Debt to Income guidelines. They told me to redo the modification. Now I find out that as soon as they denied me the sent my loan to there attorneys for foreclosure. Oh it gets better, I now have 6 months of late payments on my credit even though I made a big payment upon finding out what was going on, and come to find out they did not offer locking in my old payment amount because being I was denied they claim it is all invalid. This loan I was a co-signer with my mom on it is her home, I have my own home with an adjustable that expires in Nov and now I will not qualify because my credit is totally shot! Thank ASC! I have tried everything and still at a dead end with no help in sight! How sad that nothing can be done about ASC, I am a single parent for the past 12 years and everything that I have worked hard and sacrificed for so my children can have a headstart in life is now GONE!

This is a comment for HOWARD! Like ADA I did not get a letter saying we were being sold we have NO PAPER WORK FROM ASC ... How how the hell can we "put on our underware" and grow up, And further more because of your ignorance I hope your mort gets sold them them! You'll see! BTW Happy Easter!

I have been approved for a Loan modification and they are taking much longer than the 45-60 days..however..the incorrect info they gave you was you must continue to pay..even if it increased...which is what I have done..not easy, but no way did I want to go to foreclosure.

I started with Freemont as well...no one really cares and there is no one to escalate to.

Read your letter of loan transfer. You are told that any payment made to the old loan company will be applied to the new loan holder with out any fees or penalties. This of course do not go on forever, there is usually a 30 or 60 day period for the transfer. That letter spells it all out. Put on your underwear and grow up. “These people” are not “getting away” with anything. They are doing what is legal, and what is spelled out in the contract YOU signed, read it.