HomeEq Servicing - Fraudulant ForeclosureHomeEq servicing (HES) purchased my loan from Litton loan one month after I was forced to refinance my house due to divorce. in 06 I had $60K in medical bills and another huge financial hardship having to do with my business. This forced me to try and modify my loan so that I could afford the payments. In 06, HES put my interest at 8% which made my housepayment too high to afford. I worked with them throughout the last entire year until it was clear they would not modifiy my loan to the 2% fed government rate of qualifying homeowners. I did qualify for the program and was told by the HomeEq people themselves that they would only mofidy it to 6%, I had to make 3 payments at that rate and then they would move it to the 2% rate which I could afford. I decided to use America's Law Group to modify it to the 2% with HES as they would not cooperate with me. I paid America's Law Group company $1750 to modify my loan, they went out of business after 4 months and kept my money! They did not negotiate with HES that I am aware of. Throughout the process, I still called HomeEq constantly because I didn't want to lose my house while that was going on. I had faxed, faxed and faxed again documents they requested. Hundreds of pages later I would call them and they would say docs were missing. So, they would give me another fax number to send to. The next time I would call to verify, they would say the same docs were missing! I had confirmation from my fax machine always. They would say I faxed to the wrong department or some other stupid excuse. Then, after I faxed all again, they told me I needed to go online and fill out the same forms I had faxed them. So, I did that, even though I felt like it was a run-around and that they had everything they needed to modify my loan. to top it off, the state of CA held up my unemployment benefits (mainly because they have no money to pay anything) for 7 months because whoever interviewed me on the phone said that I was "not available for work", which was completely unfounded and I made no mention of that whatsoever. I communicated on a weekly basis with HomeEQ during this period and they assured me that they didn't want my house and that as long as I continued to communicate with them and let them know when my Unemployment Benefits came in, they would wait. In October, I finally rec'd my check. I called in the beginning of October and tried over and over again to submit payment. HES had an excuse not to recieve it over and over again. They assured me that nothing bad would happen and that they would review the online forms within 10 days. I called back again and again trying to submit payment to them. While I was out of the state looking for work, I got a trustee sale notice on my door. Foreclosed on house, December 7, 09. The reason? They never recieved the hardship affadavit that I faxed 19 times from April through October! No redemption period. house is just gone. I feel very strongly this is because I am a single female that was too high of a risk for them and my house is in a decent neighborhood in CA where we have a good chance of some property value recovery there.
HomeEq servicing are liars, they do not know what the right hand is doing and they are taking houses from people in areas where they feel like they can get away with it. There is no retribution unless I want to get a lawyer. I can't afford a lawyer even though I know this was a fraudlant foreclosure. Homeowners have to have some rights and even though there is technically no redemption period for non-judicial foreclosures in the state of CA, there has to be some sort of protection for people like me!