my mother went into forcloseure with option one morg. comp. in 2004, she had dementiia, when we found out I called to exsplain she had all the money and could still pay it all up. (they denied her) we then found A.H.M.S.I witch offered to refinace her home and save it. some how she went from a balance of $50, 000 to $84, 000 with A.H.H.S.I ?(WHAT WAS THAT) but then we had to put her in a nursing home, me and my husband had the deed and title put in our name to save the home and take over the payments, they said after 1 year we could purchace the home ourselfs, we were denied! 4 years later after paying all the bills and (mortgage pymt of $731.00) they sent a letter stating my mother fell behind 2 years in property tax, and added it to our loan payment (now $1400, 00) We told them this was a rediculious amount and we need it lowered to be able to afford the payment, again we were denied (another man FROM the comp. told me we could have our escrow devided up to 36 months, that they had no right to give us only 12 months to pay back ) after calling and requesting this we were denied again.In 2009 they told us to file for a modification for my mother because the home loan is in her name but after I could not submit all the documents, because she lives in a nursing home. she was denied... I finally told them to DROP DEAD AND GO TO HELL! Im keeping my money now$$$$ last week I recieved a call again and was told to put the modification in our name (daaaaaa!) I told the lady " I already asked you that" and you people said no because the loan was in my mom's name, well Im now 4 months behind IN PAYMENTS and the home is in forclosure, but Im filling out another set of modification papers in our name, let's see what kind of stupid answer I recieve now! MY ADVISE STAY HELL AWAY FROM A.H.M.S.I, THEY WILL TAKE ALL YOUR HOMES. OBAMA, , , WHAT THE HELL IS THIS? YOU ARE SUPPOSE TO BE HELPING US KEEP OUR HOMES AND MORTGAGE COMPANIES LIKE THIS ONE ARE RAKING US OVER, , , , , , THEY SUCK, IM PISSED, AND NOW HOMELESS WITH NO HOPE OR CREDIT ! FROM BROOKPARK, OHIO
EVERYBODY STAY THE HELL AWAY FROM A.H.M.S.I, NEVER TAKE A LOAN FROM THEM "EVER" They don't know their business!
Yes, I have tried to save my parents home (OUR HOME) AND the Income wasn't even our problem at the time, it was all about my mother being 6 months behind on property tax "FU**IN PROPERTY TAX" !
for 3 yrs I fought with A.H.M.I.S not to mention also had to do 4 modifications over N over, because they didn't know how to do it..(my mother had the loan, But my name was on the title/deed+ P.O.A) But cant talk to no one there, ALL STUPID IMAGRANTS, WHO TOOK OUR JOBS AND CANT SPEEK OR UNDERSTAND A DAMB BIT OF ENGLISH" "But as stated my mother went into a nursing home, she was 6 months behind in Property tax= ($1200.00, ) when I offered to pay it up front for my mother, they told me NO! it would have to be placed into escrow, without any prior notification, OUR OPINION, OR acknowledgment, they placed it into escrow for 12 months, (Well thinking a few more dollars, ok) But it raised my payment from $731.00 to $1428.00 (is that ridiculous or what?) I also received a new statement regarding our new escrow balance due, of $5, 500.00? On 6 months? HOW THE HELL did they reach this amount? After weeks N months of calls later and not 1 person who knows their job, I was finally told they paid 1 yr in advance, "OK" but that still doesn't equal out to $5500.00 when the yearly tax is only $2400.00 and the past due amount was $1200.00, MY calculator's total is $3600.00! WHERE THE HELL DID THEY GO TO COLLEGE? my mother lived on only S.S Income @ $1326.00 monthly+ utilities. How the hell was she going to make that payment? (after the death of my uncle we moved in to help) Then a few months later she now residing in a nursing home, and they took ALL her income! So I took over all the payments and continued to fight for the escrow to be lowered down and corrected! My husband and I were finally told (several months later) by a rep, at >A.H.M.S.I that they should of never did an escrow at 12 months without our acknowledgment or ok, He also said to write and fax a letter to escrow and tell them YOU CANNOT afford their payment and requested it could be stretched out as far as 36 months(the rep told me this was a hand book rule) after writing the letter I was DENIED? HOW the F**CK can that happen? (If its in there hand book to allow, If it can not be paid in 12 months) Not to mention now being told again, ...to try for a modification? DAAAAAA! Already have, 7 months ago! and then told they had nothing on us! So had to start all over again, Not to mention, to keep sending in my P.O.A for my mother even though they had that on file, but they were always to lazy to look it up. Now get this; after 11 months later and 100 calls later to speak to an AMERICAN! I received a notice In the mail that my modification was denied, (Wait) THEN>2 days after that, I received another notice STATING" " I WAS APPROVED!" (If this doesn't tell you how screwed up they are) But the modification included all the Property taxes and Insurance of Now $6500.00 and wanted an additional home owners Insurance of $197.00 per month?(I paid $52.00) Lol! ya right! the balance prior to all this was $75000.00 owed on the home with a 8 1/2 % (paymt of $731.00) Now new Balance is $96000 @ 5 1/2 % new payment of $908.00 DA! WHAT? (Is something wrong here?) also I sent back the documents signed as required to except there MOD, And mentioned to agree with the exception of removing the home owners Insurance because this was NOT my fault, I had paid it until my Insurance company rejected it saying there was a lien on the mortgage, and could not insure it. But I requested somebody to contact me about how the hell they reached this figure, and my home Ins, was only NOT paid for 2 months? So I wanted it taken off plus all the interest and penalties.and to take off the home owners Insurance, since I carried My own insurance for the last 5 yrs, BUT after changing my Insurance company, , So, this was not my fault and I was NOT in Default for Insurance, so I refuse to pay it back,
Well, It has been 13 months later, No response from No one, and a foreclosure letter, not to mention they came to my house to change the locks on me when I was out of town... (which I kicked in the door when I returned) What gives these people right to do as they want? and
WERE THE F**K IS OBAMA'S FORCLOSERE HELP? AND JUST BECAUSE OF 6 MONTHS and $1200.00 OF LATE PROPERTY TAX I NOW LOST THE FAMILY HOME!Even when I offered to pay it at the very beginning, But A.H.M.S.I Is still calling me and sending letters to my house asking "IF THERE IS ANYTHING THEY CAN DO TO HELP ME...LOL" I'VE LOST IT!LOL WHAT A JOKE ON THEM!
"I TOLD THEM TO SHOVE THE HOUSE UP THEIR ###" I now put the house up for a short sale back in September 2010 and am having problems all over again, i have a buyer but cant get anyone to call me, and finally after reaching somebody (FOREIN ### OF COURSE) THEY CLAIM They don't have or didn't receive any documents! The packet I did send in!
So I now have a sheriff's auction on the 23rd of Jan, and have to start a short sale offer all over again! WHY THE HELL AM I EVEN TRYING? But I went through all the required steps to save my home, "save a dream house", HUD", everything, and No help! all over property tax, like I said Income isn't the problem . My husband works for the union @ $3200 per hour, and that doesn't even count for anything!
"I WOULD LOVE TO FILE A CLASS ACTION SUITE ON A.H.M.S.I IF AN ATTORNEY WOULD EXCEPT IT, BUT I THINK THEY DONT WANT TO CAUSE THEIRS NOTHING IN IT FOR THEM! I FEEL THERE IS ENOUGH PEOPLE ON HERE WITH THE SAME COMPLAINTS, SO WHY DONT THE ATTORNEYS DO SOMETHING ABOUT IT?
PS: would like to add, A.H.M.S.I also took this loan out for my parents back in 2005, when my father was institutionalized, and my mother had Alzheimer's, dementia, memory loss, and very ill" But still went to the mental house to retrieve my fathers signature, and came to my mothers house to retrieve her signature, I witnessed it all, I was their, and the rep, even told me to my face" Ya know, "IT IS AGAINTS OUR POLICY TO EXCEPT THESE SIGNATURES DUE TO THEIR ILLNESSES, AND INCOMPITENTCY" So why isn't this enough for a lawsuit on A.H.M.S.I ?
Thank You all and good luck!:)
Terryjane from
BrookPark, Ohio
The judgements are from like 5 years ago and only 2 of them are in bankruptcy, but I cant get the credit bureau to remove them, they say the company has to remove them, the 3rd one is from a animal hospital, that received the payment late. So when I called they said they would remove it, but still have not, that was like 4 yrs ago.
capital one credit card keeps forwarding me to a new collection agency every time I try to make a settlement and they deny it, I tell them to go ahead and take me to court and I will tell the Judge I tried to make you an offer and you refused it.This is why they will send it to another agency to collect. each time for the past 2 yrs that I try to settle with an amount they deny it and send me to some one else, this is really hurting my credit score and as long as these are showing I cant get no were... I have no debts at all except capital one (who wont settle) and a car payment, but that is 6 years old almost paid( In June 2012)
my score is only 560 because of these showing up, , , , thank you.
