Bank of America review: late fees 34

It started a few months ago, when my 3yr. ARM adjusted and I looked to them because they were my current lender to do a Refinance. I worked with someone who kept telling me that everything looked o.k. and that the deal would be no problem. They asked me what the home would appraise for and I gave them a figure. Paid for an appraisal, and was told it came in right where I said it would.

After being told it would close by months end, then the next I started to get nervous. One day I emailed my rep, only to have my email be returned undeliverable. Called and got some other person on the line and was informed my Rep was no longer there. When I asked about my loan, they said it had been denied as the appraisal came in too low. I again asked what it came in at and they gave me the SAME figure I had told them in the beginning. After some research, they told me that the Rep I was working with had submitted it to Underwriting saying the value was $30,000.00 higher than what I told them.

Now I am scrambling to find another lender... DO NOT DO BUSINESS WITH THESE PEOPLE!

In 2006, countrywide errored and foreclosed on my property while i was in chapter 13, their attorney's mccalla, raymer voided the foreclosure 6 weeks later, but they did not inform ocwen or meybohm, their agents who were preparing the property for sale.the agents evicted my tenant and started to clear the property up, for resale. In total they had the property for about 8 months, plus they removed my things, evicted the tenant, and they damage the property. Now countrywide wants me to pay for the months they had the property, or they will foreclose. UNBELIEVABLE!

this may sound like the same sad story but true, my husband was in a major care accident in Dec (NOT HIS FAULT) This was 1 of 3 this one took everything including our home, when Countrywide was called in December since we had no savings (I called right away so we could work something out our mortgage was 3100.00 mo.) Countrywide was so rude to me, each month I would call asking for help of some sort to drop our payments they asked what we could afford I told them 2000.00 that was not good enough...as the months went on the calls got worse to the point I was crying and upset, my blood pressure went up so high (I DO NOT HAVE HIGH BLOOD PRESSURE) I could not believe the way I was being treated like a criminal...Our credit was perfect after all, our home was 400.0000.00. The bad thing is I would call them to resolve this they would tell me wer'e taking your house, you need to move, then they stated we abandonned the house, we were there until the end, they changed the locks the day after court which we did not go...The house is now listed at 207, 000 we now got 1099A'd foe FMV of 320, 000. what a joke...Stay far away from Countrywide, we had this bank for 11 years and still did n ot mean a t hing that we were never late, , , , EVER. Thanks for reading, I sure hope nobody else gets treated so poorly, WHY DO WE WORK SO HARD...for what to lose everything and get NO HELP.

Countrywide put me into a loan to buy another home (while I still owned a condo that they said would sell quick) it did not. I made payments on both residences which equaled $5000. per month. I was in hopes one or another would sell but the market crashed. For 2 years I tried to do both payments and everyday I contacted Countrywide for help. They refused any help of any kind. They would not help me. I told them I did not want any cash out just to lower my payment. They told me to sell my car (a 2002 model) and make a half month payment! In the long run I used all of my retirement money to make the payments. When that money was gone... I now have $1.35 in my retirement account... I had to go into bankruptcy and lost the condo in that action and sold my home in a short sale. The home was worth $400, 000 and it went for $320, 000 and now I need to pay capital gaines tax on the short sale ... I now have no money to do that with. I now live on my social security. I wrote and called every department of Countrywide... even the President of Countrywide... begging for them to help me. There was nothing they could do they said. Then Countrywide's President received $38 million as a bonus. So he did not care what happened to me or anyone else. Not only am I broke, I am humiliated when people in the news say I should have known better... yes, that is probably so but it doesn't help to solve any of this. And now today in the news those same Countrywide Executives are buying up our homes for penny's and going to continue to make millions while I live on nothing.

My mother has recently for the first time in her life had some recent financial dificulties. She purchased a new home over three years ago and has always had Countrywide as her leander. At the time her loan was taken out, her weekely salary that she cleared was $1.076.85 per week. She know currently make $1, 298.47 per week after taxes. She is still current with her mortgauge but knew she would be short for her October payment. She called Countrywide with me sitting with her in her home office. She reached a rep and informed her of her situation. The rep said she would note the account and they might be able to help. She told my mother she would need all her finacial info and that she might be able to defer the payments until January 2009. After giving the rep all her info, my mother was informed they could not help her. When we asked why, Country wide explained taht she did not make enough money to make good on the payments in the future. She said this decision was based soley on her monthy income.

I could not belive the ignorant statement that was comming for the reps mouth. She now earns $225.00 per week clear more than she did when the loan was taken out. This is still the orginal loan, nothing has changed. We then asked the rep, if she didn't make enough money why was the loan ever approved in the first palce?. She could not answear that question and simply said the policies may have been differnet before she was with the company.

It makes me think. Why was the loan approved if she didnt qualify for the income? No one at Countrywide can answear that question! She also recived one of those letters stating that a Countrywide employee stole her personal information.

Countrywide is a very unorganized, unknowledgeable, and ignorant company. I hope they get whats comming to them!

We inherited my husbands grandmothers home in 2008. The home was titled to my husband on July 22, 2008. The house is 165 years old and needs quite a bit of remodeling. It is structurally sound but is living somewhere between the 60' and 70's with its 4 kitchen cabinets, brown paneling, gravity fed heating system, and 100 amp electrical service. So we figured since we inherited it and had no mortgage we would take out some equity and do the remodeling. We contacted countrywide after seeing there ad on tv. We were told that my husbands $50, 000 a year income was more than sufficient to handle the mortgage payments for a $30, 000 loan. We were asked to pay $425.00 to cover the credit report fee and the appraisal fee. We did so right then and there. They told us that it would be about 2 days before the appraiser would call to set up the meeting. two days later the appraiser called. She set the appraisal for the next day. About a week later our loan officer called to tell us that our house appraised at $95, 000 and the loan was a go. They sent all of our loan documents to us through fedex. We signed the papers but held onto them as we wanted 2 small errors fixed on the paperwork. Minor things, our previous landlords name was spelled wrong and my husbands retirement plan amount was incorrect. I called our loan officer every day for a week with no answer. So I started calling her manager with no answer and no return call from either of them. At this point we are now in week 5 of our loan process. So I got an idea, I called the lady from underwriting whose name appeared on our loan papers that we were asked to sign. She proceeded to tell us that those papers are written up at the time of PRE-APPROVAL. I explained we had already gone through the appraisal and were told that it was good and our loan was a go. She proceeded to inform me that she informed our loan officer and her manager that our loan could not be done at the time we applied for the loan. I asked why. BECAUSE MY HUSBAND HAD NOT SAT ON THE DEED FOR 6 MONTHS. The day after I spoke with this woman our laon officers manager called us back. He explained that the loan we applied for requires us to sit on the title for 6 months. When I asked why we were not informed of this in the beginning he could not give me an answer. After about another 5 phone calls to various departments we recieved a refund for our appraisal. Now the next deal with them was probably our own stupidity. But 7 months went by. We went back to countrywide and reapplied for the loan. We were told that we would have to have another appraisal done since the first one was more than 6 months old. this would cost us another $425.00. We paid it again. The man I spoke with assured us that there would be no issues this time. Well, the appraiser came and was not as thorough as the first appraiser. A week later we recieved a call from our loan officer telling us that there were problems. The appraiser said our home was only worth $69, 000 and that value was only good if we completed the repairs that were listed on the appraisal. The repairs consisted of a NEW heating system that was not gravity fed. (estimate from a contrator $12, 000), There had to be carpet in the living room. We ripped up the old carpet and found the floor under it was not in the best shape so we laid new would and then ran out of money. (the reason for getting a loan). There were also a few other minor things. Now when I told the loan officer that the items listed in this report were items that we listed as wanting to be done with the loan money his exact words were 'then fix the things on this appraisal and we will give you the money'. Now, if I had $12, 000 to upgrade our heating system (which we want to do) WHY WOULD I NEED A LOAN? This 2nd process took about another 6 weeks to go through. The 2nd appraisal was done by a different company than the first. There was NO difference in the house from the first appraisal to the 2nd. Except for 1 minor detail. The 1st appraiser said that the outside of the house needed to be repainted due to chipped paint. So we paid almost $400 to buy paint and me and my 17 year old son spent 4 days painting the outside of the house. It was white, we painted it red so that there was no dispute that we painted it. Other than that there was NO change int he status of the house within the 7 months between the appraisals. So again countrywide got our hopes up and then screwed us. We did get our appraisal fee from the 2nd time around back. But it was only after I called the presidents office and threatened to get a lawyer, as I still had all the emails, hard copies, and phone messages that were left with us from countrywide. I do not know what this company is trying to pull but I hope at some point someone will have enough ammo to knock them right out of the park.

Beware of this company. They ruined my real estate transaction with a bait and switch method.

BEWARE OF THE CON ARTISTS TOM O DONOHUE AND HIS MANAGER AT THE SAN FERNANDO, CA BRANCH, EDWARD BANUELOS, BOTH ARE SNAKES.

They informed me that all was well until the day before escrow closed, and then they changed my loan completely. They then lied and said that they had informed of the changes all along. Thank goodness I found a lender to close the deal, but it was by a slim margin as my seller was pissed off. It cost me money.

RUN DON'T WALK TO ANOTHER LENDER. THESE GUYS WILL LIE, STALL, AND WASTE YOUR TIME. THEY WILL KILL YOUR HOME PURCHASE.

They ripped our personal info off and they have stole our homes what the hell are we going to do about it... Something needs to be done. I have gotton out of that scam liar home mort and have moved on but I will not stop till something is dont about countrywide. We should be paid lots for the damage they have done. And we will. We have to get together and dop something nowwwwwwwwwwwwwwwwwwwwww. pissed off in NJ if anyone is fromjersey email me and tell me what we need to do please...We will go to the news everyday if we have to papers someone will listen to us.

When purchasing my home, it was appraised by countrywide for 121, 000. After the house was purchased, the same year the city of greenville appraised it for 85, 000.
I would like to know how can i join, and/or file a class action suit against countrywide for deseptivemisleading pratices.?

Hey to everyone who reads it!
My loan originallt from Green Point Morgage was bought by Countrywide. Same story with payments by mail.They do not honor 15 days of grace period. I am getting letters on the 8th day that I have not paid my mortgage. Same with calls-4 t05 days per day. You cannot even to block them! Just ignore and do not respond. Then they send you letters by Express mail. Ignore it! My bank statement says: check cashed but somehow Countrywide is calling with a message to pay.
I am looking for any class action law suit aganst this company to stop this harrasing precedure and mess they have. Pleas send some info!
Thanks, Kamilla

This is so lame. They are currently doing the same thing with me. I was injured at work then my wife became ill. We have been here 22 years and they refuse to work with me. They offered a 6 month payment plan to catch up that would cost over $1000 of what I can not afford to pay now. They have a contract with a nonprofit called N.A.C.A. and won't even work with them. They recently had a settlement with my State to stop all foreclosures, but I got a foreclosure notice in the mail. Apparently I do not meet thier guidelines, even though I meet the governments guidelines. The billions they got can get them another mansion or jet. I served my country honorably, worked in the building trades over 20 years and this is what you get when you are down on your luck. I hope things get better for you, as of now, I don't know if my family will be on the streets by summer. If I was renting and on welfare, the government would pay monthly more than what I currently pay on my mortgage.I don't want a handout, just a hand up. We should make a web page, good luck to you and yours.

what the heck is this notice i just received about insurance coverage? they are saying i don't have insurance on the house, but i have TWO insurance policies.

it sounds like they are trying to set up a situation where i can't win. certain papers need to sent in by a certain date or this and that will happen, like lose MY home!

has anyone else received this bs? thanks!

Country Wide, the worst home loan agency I have ever deal with, I am so glad I no longer have anything to do with them. It all started when I wanted to refinance my home, I owed $180.000 wanted to take 20K from it, called CountryWide they sent their appraiser and evaluated my house for $250.000, I requested a personal appraisal on my house and he evaluated it for $350.000! (BTW I wasn’t paying PMI on my escrow). If I would have gone with their “DEAL” I would have to start paying PMI and the payments were going to be humongous, at that time I was paying $1500 a month, with their "refinancing specialist we couldn’t get it below $2000 per month". They lost a customer to someone else and I am SO GLAD.
Now my brother has the mortgage with them, he's wanting to put his house on a Short Sale for the longest time, he bought his house for $600.000, and now it dropped to $450.000. At the beginning of the year he got an offer for $370.000 and OBVIOUSLY Country Wide Turned it DOWN, they sent their appraiser and evaluated his house for $580.000 NO HOUSE IN THE NEIGHBORHOOD is worth that much money anymore. Well he's kind of lucky (except for the fact he's involved with country Wide), he now has another offer, for $365.000 (BTW house price in the neighborhood has dropped to $400.000 and below), and CountryWide is asking him in order for them to accept the short sale he has to pay the PMI for the value of his house out of his pocket!. The Escrow Security is $20.000 and they would break it at $86 for 15 years, and they are willing to reduce it to 15.000!. What is wrong with that people, families are losing their houses they are losing money. And they are refusing offers? And asking people to pay astronomical amounts of money? Money is the problem to begin with so ... I am sorry I don't understand. I am sorry for Bank of America they acquired a POS company.

John E. Shepard
3201 Key West Dr.
Garland, TX 75044
11-16-2008
THIS HOW PEOPLE LOOSE THEIR HOMES INVAID AGREEMENT
Country Wide Finance Department repeating phone calls (3 or 4 daily)
Dear Lawyer:
We have requested that Country Wide Finance Company do not call us daily (3 or 4 time). The open statement “This is a call from a debt collector and we are informing you that we need to collect a debt.” We made payment arrangement with this company to skip one payment.
We receive a called on the2 day of November, 2008 with the customer service operator stating that we owe for two months of payment.
This has been a daily process of calls from Country Wide. Sometimes we receive 3 or 4 calls a day.
The contract that we agreed to pay Country Wide back on a five month plan has been violated by Country Wide Mortgage Company and we would like to take legal action against them(start day December 2008).
We agreed to be put a 5 month payment plan and they also state that this would not effective our credit but it has affected our credit.
(Payment plan 1500 per month for the next 5 months)
Thank You,

John E. Shepard
Cc Ross and Matthew Law Firm Bank of America
Date of calls
Sunday, November 16, 2008 Time 8:20 from Mrs. Ana Pedia ex (4911)
Later Mr. Savio Kapoor (supervisor) calling to collect a debt
Please stop the madness our note had been paid [protected])
Payment plan starts next month

I received several calls from your company regarding refinancing of my mortgage. Each caller promise to call back. one or two would call back for additional information. a few of them never call back. They all pull my credit reportwith the knowledge that each inquiry would lower my credit score. from the actions of your representative I gather that my loans is bad and should never have been approved. At one point I heard one of your mortgage representative asked who approved this loan he or she was not aware that the telephone was open and I could hear her comment. both my wife and myself felt that we have been getting the run around and no one wants to touch our issue. I feel that it is time for us to get to someone biggher than the Mortgage Department If we are going to get any help. You then send my mortgage to the collection department in India before payment was due. To those rude people who kenw or understand any thing about american life or it people. speaking to me nasty. You need to retrain George. i takes almost a year to get so disgusted with your service. I need answers

I payed a reinstatement fee & after my loan was still in forclosure for over a year now they want 22, 000 + for me to keep my house

THIS COMPANY SUCKS! Originally everything was cool when they wanted my 'mortgage'. I put 20% down and my payments were reasonable...missed a few payments last year and now my house payment for the next year takes half of my net income...
this will go on for the next 13 months and will probably force me into bankruptcy...I'm at the point where I don't care...credit already ruined anyway because of the late (or non) pays.
Costing me $500 per month more than my original mortgage (Fixed rate) 5 years ago! Income has stayed the same...cost of living, I don't need to tell anyone about - you know! Yet I'm supposed to give Countrywide MORE THAN HALF of my net income...
ridiculous! Searching for another place to live and they can have the house, the equity payment too, the repairs, the upkeep, the insurance and taxes. Market is so down, house probably not worth what I paid for it originally! There are other places to live!
Thanks for listening. AND VOTE! Maybe one of these presidential candidates will do something to save this economy and this housing crisis!

I mailed my payment on July10th! Countrywide posted it on the 22nd! I KNOW it doesn't take 11 days for my mortgage payment to reach Countrywide's payment processing center! I make a POINT to mail my payment in on time so I don't have to pay their $20 late fee! Countrywide gives no way to contact them except to post a message, to which they say they'll get back to me. Well, it's been 3 days and I have not heard ONE WORD from them.

I agree, Countrywide must be sitting on payments in order to charge late fees. I am about to write the Better Business Bureau about this. I am sick to death of how every company, be it mortgage, banks, utilities, cell phones, cable, etc. jerk the consumer around!

like many I have been loyal to countrywide in that I made my monthly payments timely for over 2.5 years. My son was in the military and had to return, honorably due to parenthood reasons. Due to this change in circumstance, I foresaw some financial burdens heading. I thought that if you contacted your mortgage carrier and inform them of rough roads ahead they would work with you. Especially since I gave them 2 months notice of possible late pays. I asked that they defer at least 1 month payment to allow me time to adjust I even went through the infamous workout dept, filled out the necessary paperwork only to recieve NO RESPONSE until after my payment was late. I recieved a letter telling me they could not assist me. Well now its been 4 months and I have still not caught up. My monthly late fees are 60.00 month and It just doesnt make sense to me to tack the additional 60.00 on if I cant even make the monthly payment on time.All this because countrywide could not show the mother of a veteran some compassion. GOD BLESS US ALL!

We live in the area of Texas that was hit by Hurricane Rita. Rita was more powerful than Hurrican Katrina, we were just blessed not to have a leavy bust. Our home was devastated and we (a family of five, one a special needs child) lived in trailers in our front yard for almost a year! Countrywide assured us over the phone and by mail that our payments would be suspended and when we moved back into the house they would tack them onto the end of our note with no penalties or interest. When we moved back in they hit us with a demand for over $17, 000 up front or they would forclose on us. We worked feverishly for weeks trying to save our home. We were forced to go through the "Workout Department" who tacked the payments onto the end of our note along with penalty and interest. This added over $33, 000 to our principal, cost us over $2, 000 up front in closing costs and they hit our credit. We are forced to carry mortgage insurance now because we no longer have enought equity in our home. This is costing us over $150.00 per month. Our payments went up over $300.00 per month. We are now part of a class action suite filed in our area by hundreds of Countrywide customers in the same boat as us. Some have even lost their homes. I can't even begin to imagine that nightmare! Those poor people have no hope of buying another home with a foreclosure on their record. Everyone out there pray for all of us. We need all the help we can get. I hope our attorney wins. I'd like to see justice served on a bunch of sleeze bags who are willing to take peoples homes, ruine their credit and rape them financially all to make a dime.

Glad to know i am not alone. I have been sending in my payments every month between the 1st and the 5th...thinking 15 to 10 days is way more than enough time to have my check go 6 states away (I know i am able to drive my self 6 states away well with in the 10-15 mark. I went to do a refinance just to learn that they have posted 8 late pays! Am i going to have to start sending my checks via certified mail?!

Get a lawyer ASAP and look into a claim against Countrywide and the realty company. That will delay a foreclosure action until this can be straightened out. Meanwhile pay your mortgage.

I Refinance my home with countrywide they were my original mortgage company. I didn't get a discount since I am a current customer. the under appraise my home, and now they are charging me an extra $200 per a month because their company LANDSAFE is the one that appraise my home. now it's been two years and that 200 was suppose to be off now they want me to have my house appraise by LANDSAFE again. since LANDSAFE is their company of course they are going to under appraise my home I sent emails to the president and I have not receive any call backs what agency can I file a complaint against them this company should be out of business.

This a complaint on countrywide home loans at first i'm a selfemployed and i didn't have work for a couple of months so we were behind so we countrywide and told us we could be on a repayment plan okay so we did it and one more payment to go they send us a letter saying that are june payment was going up $400 more because of taxes and now we have to pay more than our repayment plan we were having trouble paying the repayment plan and now that we are finished they hit us with this $400 what can we do .

Just following up from my last posting and hoping this is helpful to others! It wasn't easy...like pulling teeth, but here is their PHYSICAL customer service address (very important if you want to send something certified and TRACEABLE):

Countrywide Home Loans
Customer Service
450 American St
Simi Valley, CA 93065

Their customer service fax number is: [protected]

There is also a POB for Customer Service which is:

Customer Service Complaint Address
sv-314b
POB 5170

Simi Valley, CA [protected]

Also, their customer service phone number (which, per gethuman.com you can get a person hitting zero at every prompt -- worked for me): [protected]

Good luck!

Hi, I have just today noticed what I think is a problem with late fees. In looking at my transaction history I see many late fee charges in the late/balance column! Well, my payment is sent electronically from checking to their account so I've been really lax in looking at the countrywide website. I just assumed everything was fine and now, just by chance, I opened my monthly bill and saw my bill had gone up $100 in the last month (a payment change). But here is the most important thing which brings me to my point about the late fees and why I'm responding to this thread which is... there is no customer service email address! Yes, they have a web form... which makes anything you send non-traceable to you! There is also no Customer Service snail mail or corporate address. The only address posted is the one form remitting your payment. For my part, I will file a complaint with the BBB and also complaints.com -- Countrywide Home Loan... I WANT a TRACEABLE email address. If anyone else feels the same then invite you to file a complaint as well.

We were contacted by the Birmingham, AL office of Countrywide
to refi our home. We gave them some info and they said we were approved continguent ONLY on our house appraising a certain amount. We paid for the appraisal, credit report, etc. They did the same thing to us that was posted earlier by someone. They took our money and told us this beautiful time-frame they would close in so many days...never happened, still hasn't happened. Our loan status on their website says we were declined for our loan. We were upfront about the things on our credit report since I am a totally disabled ...but before taking our appraisal money we were told the credit report did not matter and were pressured to take our appraisal money. BTW, Countrywide is a sister company to the appraisal company, LandSafe. I found this out after the fact. Buyers beware and run for your life. The only time-frame promise that was kept with this company is the IMMEDIATE debit to our checking account when they took the appraisal money from it. I do not expect to get a refund from Countrywide on the appraisal because all they have done to us is pass the buck to someoone else, we get that someone else's voicemail and never get a return call...we call that someone else's supervisor and get another voice-mail, and everything just keeps going around in a circle. This has been a total 3 ring circus for us and I wish I had never answered the phone the day they called. Run as fast as you can to a mortgage company that will be honest with you. Feel free to contact me at the above address, because I feel like I need a support group right now. I will not shut my mouth about the way we were treated because I don't want to see it happen to anyone else!

I was called by shawn from countrywide when I was interested in refinancing, he needed to run a credit report of course so like an idiot i gave him my social etc and my wifes info. Haven't heard from him again in 3 weeks. Even if I was denied I think legally they have to send you something as to why,but it just bothers me that these people have my personal info and all I get is their answering machine.I called a 1800# later that night to see if they could I dentify shawns last name as a rep in New York,they did. So i guess this just breaks down to very poor business practice. I bet they would know how to get in touch with me if I skip a payment or two.

I applied for a loan to refinance my home-like you I was promised that it would go through-everything was approved until I got back the appraisal report. It came back to low-I was charged $400.000 for my appraisal and was turned down-now I am out of $400-the appraisal did not even list all of the upgrades to my house
-Landsafe is the appraisa company.

I have been getting the same call from the same people. However, mine is to collect taxes that Countrywide paid in '03. Instead of paying for my parcel # they paid for the previous parcel # which was the wrong one of course and now they want me to pay them back. my taxes are $500, one house. They paid $2,000 and something and for 2 houses and 4 acres. WHAT A MISTAKE! They want me to pay it back. lol > Over my dead body.

Monica.

I was scheduled to close on my new home 4 hours away two days ago. Countrywide assured me time and again that everything was in order. Got to the closing date, and all of a sudden there is a problem. Closing does not happen, and the day AFTER closing should have taken place, they denied my loan. They claim that the property has changed hands twice already this year, so they are not willing to take the risk. They have destroyed everything. I have to be in my new town on Monday (3 days from now) for work and I don't have anywhere to go. I have a truck full of stuff, a dog, a cat, and my wife. Lol, and they offered to refund my appraisal fee. I told them that getting screwed politely is still getting screwed. They will certainly not be getting any more of my business.

This story sounds so familiar. I went through something similar. I also contacted countrywide to refinance. I talk to a rep who started off by saying we have a loan for you.He came back on the phone and stated he worked his magic and was able to get my loan APPROVED, and it was going to Merry Christmas for me and my family. I advises him that I had to wait a couple of weeks to avoid prepayment penalties. He stated that was fine he went on to tell me what my new payments would be and how much I am going to save. He said I wont even have to worry about making December's payment either. I was so happy. for the last couple of weeks I have been stressing. I had not heard from him and every time I called I reached a womans voicemail. I kept calling the office and was either out sick or was not available. The two time I did reach him he assured me everything was good to go. This past Tuesday I called him back to see what the status was. He said he lost my bank statements and W-2 and I needed to re-send them again so I spent another 17.00 to send them. That immediately sent a red flag. He said he would call me and just like in the past no call from him, so I had my husband try to call him in which he stated that he was still trying to get a approval. ALEXANDER GONZALES in the south Florida division do not ever tell some one that they are approved until it has been through a underwriter. Good thing I am able to pay my mortgage otherwise I would have been screwed. SO MUCH FOR A MERRY CHRISTMAS thanks ALex. They need to stop sending there e-mails and letter stating they want to help you no matter what your financial standings are. There motto is there is a loan for you... BEWARE OF THESE FALSE PROMISES. If the government really wants to help home owners they need to stop companies like these who take advantage of the consumers.

Countrywide is the Talaban of the home loan industury.What EVER you do don't have anything to
do with countrywide.They stolden a year worth of
payments and I have proof of payments made and now to keep the house on 10-1-07 they informed me
that I have to make twice the payments for 11 month488.04 to 871.56 all because they LOST THE
PAYMENTS.The war is here people ! I can't tell you enought do not even talk to COUNTRYWIDE on the
phone.THEY ARE LIE,THEY TRAIN THERE PEOPLE TO LIE. THE WORST UNDERHANDED COMPANY
I'VE EVER DELT WITH

Anyone and everyone who is doing business with or is think about doing business with Country Wide Home loans should not! I would not do anything with this company. I don't care if they are the only ones who will finance you, its not worth it for a "temporary fix". Yes, they might approve your loan and get you into a new house but with in a year or two they will have there way with you. They will screw up your escrow so bad that your payments will nearly double. This company claims they overlook things, this is not true, they do these things on purpose to get more fees and if you are lucky to have a good amount of equity in your home, LOOK OUT! they will do anything and everything to try to foreclose. They are trying it with me and its the second time! The did not do an escrow analysis for three years. when they finally did do one it raised my payment to double. I am urging all of you to not do business with them. If you do, watch your loan like a hawk! Everything from escrow and interest, make sure your payments are put to your account when they should. Im telling you to watch out for these people. They are not stupid but they will have you think that. There ceo sold 450 million is his stock a few weeks ago and last week the stock fell more than half, from $40 per share to $18. Tell me that doesn't sound a little funny. Also the man directly under him sold all of his and then quit two months ago. This is not a fluke. They are crooked people with no morals. I am not speaking from being mad. Everything I have stated are facts not guesses. I, once again, urge you to get out or never get in. what ever the case is stay away from this company.