Countrywide Financial - Alabama Home Loans - Equity Loan Mortgages SUCKS!

Alabama Home Loans? Sub-prime (bad credit), Need money, Mortgage Refinance, Or Want A Home Equity Loan Alabama and dont want to get ripped off or have hiden fees on your Home Loans?

Need A Home Loan AL, Refinance, Purchase, Or Make Home Improvements. Mortgage Rates Have Reached A All-Time Low Make Sure You Pick A Broker That Will find the right Home Equity loan at the best rate for you. We recommend that you conduct your own due diligence on mortgage brokers to find the one that is best for you. This site is a forum for users and should not be your only source of information about Countrywide Home Loan prior to choosing a lender.

This is what home loan customers in Alabama (AL) have been saying...

• Bad Credit Home Loans • Home Loans • Home Equity loan • Refinance • Home Equity • Debt Consolidation • Equity Credit Line • Home Loan

ADD YOUR STORY Date: Sat 03/3/07 12:37AM From: Message: THANKS THANKS THANKS.....I WAS GOING TO USE COUNTRYWIDE LOANS AND YOU SAVED ME FROM SOME HEADACHES!!!!!! Date: Sat 03/3/07 12:39AM From: Message: hello, I am a man of 62 i was in army for many year and i have retired i was in a rank of a ADMIRAL in army during Ibrahim babagida regin so the country have pay us off with huge sum of money and i kept it in the bank for 12 years so the bank has given me a huge interest, so i decieded to loan it out in order to make profit with the money and invest it in telecommunication. .I will loan the money out with %7 and the loan will last for 1 to 7 years . so if you are interested you contact me through johnehimen12@yahoo.com and my phone number +2348057172595 Date: Sat 03/3/07 12:39AM From: Message: Countrywide home loans suck. Countrywide home loans suck. Countrywide home loans suck. Countrywide home loans suck. Countrywide home loans suck. Countrywide home loans suck. 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Countrywide home loans suck. Countrywide home loans suck. Countrywide home loans suck. Countrywide home loans suck. Countrywide home loans suck. Countrywide home loans suck. Countrywide home loans suck. Countrywide home loans suck. Countrywide home loans suck. Countrywide home loans suck. Date: Sat 03/3/07 12:42AM From: Message: I'm going to post this in every state listed here. YOU MUST TAKE RESPONSIBILITY FOR YOUR OWN ACTIONS AND DECISIONS!! I have recently left the lending industry. I can site many reasons for this, however the top reason has to be dealing with borrowers and potential borrowers who had no concept of financial responsibility. Just because you have a 700 credit score does not mean you demonstrate good use of credit or that you are guaranteed the rate or terms you want. In fact, many people who have the best credit scores carry the most debt. What you people do not understand is that the lending institutions want you to carry debt, so if you carry alot of debt and pay it on time your score will be higher than someone who pays their bills OFF every month and only carries a mortgage and a car loan/lease. If you fall on hard times, pay your damn mortgage and let the friggin' Visa's go delinquent. Visa isn't going to take your house, your mortgage company is. People jump to quickly to file BK. Guess what, ole' GW has made that next to impossible for the average American. You're better off making arrangements with your credit card companies and paying your mortgage off as quickly as possible. Use good judgement, not the "I want it now!" mentality. Buy a Trailblazer instead of the RangeRover or the Hummer or the Lincol or Caddy or whatever. How many of you people that post on here have kids? What kind of behavior do you think your actions teaches them? Anyone who would voice their opinion is more than welcome to email me at michael_harman1976@yahoo.com. I would be more than happy to help anyone who needs some good advice on how to get themselves into a good financial position. I am not selling anything, I'm a former CW employee who feels an obligation to help those who have been taken advantage of. Michael Date: Sat 03/3/07 12:42AM From: Message: If you think Countrywide is bad, take a look at this website and read about the REALLY bad ones! http://www.mortgagereform.org/ Date: Sat 03/3/07 12:42AM From: Message: I'm about 100% sure this so called Michael works for countrywide crooks company. They are the saddest financial loan company I have ever dealt with. They are in the process of getting sued for lying on a recorded conversation. Verbal is just as important as a written agreement--Countrywide idiots--maybe you better look at the other lawsuits that WERE verbal agreements not fulfilled by your unqualified, uneducated workers who have a problem using a simple computer keypad ??? they are ignorant bastards. SO PLEASE PLEASE PLEASE DON'T EVER CONSIDER COUNTRYWIDE--I WAS INITIALLY WARNED BUT I DIDN'T LISTEN. THEY DO THERE BEST TO MAKE YOU LOSE YOUR HOUSE THEY RETURN YOUR PAYMENTS BACK TO YOU SO THEY CAN FORECLOSE AND YOUR HOUSE WILL BECOME THEIR PROPERTY AGAIN--AFTER ALL THEY ARE THE ONES WHO BUY MOST OF THEIR HOMES THROUGH THE AUCTIONS AT FORECLOSURE SALES ?????---THEY ACT LIKE THEY TRY TO HELP BUT IN ACTUALITY, THEY DON'T WRITE THE IMPORTANT THINGS DOWN JUST WHAT THEY CHOOSE--DON'T GO TO COUNTRYWIDE--THEY ARE VERY VERY VERY SORRY --100 DOSES Date: Sat 03/3/07 12:42AM From: Message: Actually, I am a former Countrywide employee and have worked for several large lending institutions. Is this lawsuit your own? If so, I'd watch what you say and write in public venues because anyone with a half-ass lawyer could counter sue you for slander and liable for making the unfounded statements you've made here. If you can back up what you are saying, go to the news media. That's what I'd do. You say they sent back your payments? Where did you mail them? Did you have the proper postage? No lending institution is going to refuse your payment unless you haven't made one in a long time. By the way, if you read my post, I left my personal e-mail so people can contact me for help. I know Countrywide's policies and procedures. I'm more than happy to help anyone I can get out of a bad situation, not like the creator of this website with a link to a company being investigated in the state of Illinois for violations of state lending regulations. Date: Sat 03/3/07 12:43AM From: Message: I am a former employee of Countrywide, sorry but I have to laugh at all of these stories, yes COuntrywide has it's problems, just like all the other lenders out there, but most of the problems being stated here are mostly due to homeowner error not lender error, there are alot of laws that Countrywide has to follow, so if you think they can just wipe your credit score clean, or take fees off, that's where you are wrong, it's sad to see ignorant people cause concern for others who know what there doing by trying to bring a company down, it is not right and people need to take responsibility for themselves instead of trying to get through life easier and blaming all their problems on somebody else, when you have a problem in life you must look at yourself first to see what you did to cause it, then correct it, not put full blame on another. In other words pay attention to yourself and see your wrongs before you give a bad rep on a company who tries hard to serve MILLIONS of customers and make sure there is no problems. Date: Sat 03/3/07 12:43AM From: Message: Just came home a winner. YES, it is VERY easy to sue thru small claims court. Each time, each month for being wrong by Countrywide. In Florida, up to $ 5,000.00. To start, I visited my local court house and found it to be very fair. In my case, the judge listen and look at the proof I had in my file. It was informal, cheap and quick. THANKS to this complaint center, I WON. Good luck to all. Date: Sat 03/3/07 12:43AM From: Message: That only works if there wasn't an arbitration agreement signed at closing. Date: Sat 03/3/07 12:44AM From: Message: I don't know about all the name calling, etc. but one thing is certain. Something bad has happened to Countrywide in Atlanta and there won't be an end until it's destroyed. Someone hired people to run this part of the company that either have no interest in the company or just simply aren't qualified to run a company. There is no profit being made and everyone is unhappy -- customers and employees. Seems like a recipe for disaster. Sit back and watch it fall. Maybe a year, maybe not that long. They'll be gone, someone new will be along or they can close down Atlanta altogether. I don't think Atlanta would be missed by the rest of Countrywide. Date: Sat 03/3/07 12:44AM From: Message: I really think the Nigerian scammer posing as an Army Admiral (really dumb, aint it?) and a british banker should have his posts removed. Date: Sat 03/3/07 12:44AM From: Message: "Country-Wide is on your side" Suuuure....We now know that's IS...B.S.!!!!! We had to file Bankruptcy, move into an apartment, I'm too old to start over. To make a long story short...Please DO NOT USE COUNTRYWIDE....not even if you need a loan for some "Butt Paper". They will send you 80 grit sand-paper....and charge you twice the amount and say that they are "Helping You Out!!!!" Date: Sat 03/3/07 12:44AM From: Message: Who do we see the SAME name on this website defending Countrywide???? The majority of people come to this site to express their unhappiness with Countrywide but the SAME idiot keeps defending them. Just go under the bosses table and do what you need to do for a promotion, and your knowledge of the law is a joke, there is no, has never been, and never will be a SLANDER issue for expressing dissatisfaction with a business. Date: Sat 03/3/07 12:45AM From: Message: I can sense you are in distress. May I help you? Date: Sat 03/3/07 12:45AM From: Message: Who decided to post using my name? At least you didn't post anything rude or crude. Date: Sat 03/3/07 12:45AM From: Message: I think most of you just don't make your payments on time. Try making your house payment on time and most of the problems you are having will go away. Date: Sat 03/3/07 12:46AM From: Message: I've NEVER READ SUCH BULLSHIT AS I'VE READ JUST NOW! I HAVE A FEELING MOST OF YOU BABIES WHO EITHER GOT FIRED MAYBE BECAUSE YOU WERE DOING FRAUD OR THOSE WHO THINK GOT THE SHORT END OF THE STICK PROBABLY HAVE 500 FICO SCORES, BECAUSE ONLY UNGRATEFUL BRATS COMPLAIN. CHL IS AMERICAS' #1 RESIDENTIAL MORTGAGE BANK IN THE WORLD! NO OTHER BANK CAN COMPETE. THEIR RATES, CUSTOMER SERVICE, AND UNDERSTANDING OF THE MORTGAGE INDUSTRY WILL KEEP ME DOING BUSINESS WITH THEM. THIS GOES TO ALL THE STUPID PEOPLE ON HERE: WHAT MORTGAGE BANK DO YOU KNOW THAT SPLIT 3 TIMES IN ONE YEAR THAT HAD A ROR OF 90%?? ANYONE? YOU THINK WAMU, CHASE, WELLS, HAD A ROR OF OVER 90% IN ONE YEAR?? NO! THEY DIDN'T BUT COUNTRYWIDE HOME LOANS DID. I SEE WHY THE AUTHOR OF THIS WEBSITE CREATED THIS WEBSITE; TO MISINFORM POTENTIAL CUSTOMERS FROM WHAT IS GOOD FOR THEM. WHY IS IT THAT THIS WEBSITE ONLY HAS NEGATIVE POSTS?? NOTHING BUT A BUNCH OF BIAS KIDS. I'M GOING TO BE CHECKING IN A WEEK TO SEE IF THIS POST WAS POSTED, IF NOT THEN I KNOW WHAT THE AUTHOR HAS IN MIND AND THAT IS TO WEAKEN COUNTRYWIDE HOME LOANS, HE/SHE HAS WOULD HAVE TO KEEP THIS WEBSITE FOR 500 YEARS BEFORE ANYONE STARTS HAVING DOUBT IN THIS COMPANY. IF SOME OF YOU GOT FIRED FROM THIS COMPANY, I'M GLAD! WE DON'T WANT YOU ANYWAY. WE ONLY WANT THE BEST WORKING HERE, GO TO OUR COMPETITORS THEY'LL HIRE YOU/ AND WE'LL CONTINUE BEING #1 IN THE WORLD IN RESIDENTIAL HOME LOANS. TAKE CARE GOD BLESS Date: Sat 03/3/07 12:46AM From: Message: Those who are still employed for CHL, take a 6 month vacation, go to wamu for 3 months then a broker operation for another 3 months/ when you come crying to us because you MISSED us desperately, guess what? We don't want you because we found out who each one of you are. Here's a little story; Dr. Wayne Dyer was on a florida beach and a couple confronted him and asked him, "how are the people in Florida"? Dr. Dyer replied," how are the people where you're from"? they replied the people from Arizona are rude and back stabbers. Dr. Dyer said well they're like that here too. Then there was this other couple who asked him the same question. "How are people here", he said how are the people where you're from"? They said, people from Ohio are warm, nice, giving, and happy. Then Dr. Dyer said, they're like that here too. Hopefully, most of you got it and those who didn't will continue living a wasted life. Live with Passion! Go Countrywide. Date: Sat 03/3/07 12:47AM From: Message: I think for the future, Countrywide should not only check fico scores but check IQ's. because some of you are just plain dumb! It cracks me up the fact that most of you probably have 500 ficos and below and love to go to court to win money that you're probably trying to beat the system. Great! Do the world a favor, don't have kids. Instead of trying to stomp on an AMERICAN company that provides homeownership to millions, take pride that its an AMERICAN company and start reading more about World events. As of yesterday, the pound to the dollar was 1.8 to the pound. So lets stick together and form a cohesive relationship that will strengten our Economy now! I'll beat any rate on the street. Try me! Date: Sat 03/3/07 12:47AM From: Message: Oh Almost forgot, As of today November 4th, 2005. COUNTRYWIDE HOME LOANS IS AMERICAS #1 RESIDENTIAL LENDER! I hope you all understand this. I LOVE COUNTRYWIDE HOME LOANS!!!!! AND SO DOES MILLIONS OF AMERICANS. I think many of you forgot what happened in NYC on 9/11. ARE WE AMERICANS? IF SO, START ACTING LIKE IT. COUNTRYWIDE HOME LOANS IS AN AMERICAN COMPANY, PROVIDING JOBS FOR AMERICANS! NOT LIKE MOST COMPANYS THAT MOVED THEIR COMPANYS OVERSEAS FOR CHEAP LABOR. WAKE UP EVERYONE! Date: Sat 03/3/07 12:47AM From: Message: chl outsources to india for some of their telemarketing. according to the mortgage bankers association magazine, chl lumps their numbers together ( chl retail, wholesale, correspondent, america's wholesale lender, full spectrum) where as wells fargo breaks their numbers out ( wfhm,banking, b/c lending ) so if you combines wells numbers numbers like chl does.wells smokes chl. you obviousally are brain washed by brian hale's propaganda. wake up, sparky and read other sources than what your chl spoon feeds into your brain. Date: Sat 03/3/07 12:48AM From: Message: the self labled "top producer" can't even get his/her facts correct. instead of reading your chl propaganda magazine ( written by brian "lunk head" hale), try reading legitimate publications such as mortgage bankers association magazine or mortgage originator magazine. you may be enlightened and your facts will be more correct if you take the time to pull your head out of the sand. live with passion....i'am sure you are one of those who wears a litlle yellow, plastic wristband so you feel all included in society. Date: Sat 03/3/07 12:48AM From: Message: Current Customers should call customer Service and tell them you want NO CONTACT That means: *No emails *No Phone Solicitations *No Junk Mail Get customer service reps name and employee ID# Date: Sat 03/3/07 12:48AM From: Message: I agree with the poster from September regarding Countrywide in Atlanta. The area is being poorly managed and grossly neglected. They are treating their loan officers badly and that will only result in bad service being passed on to the consumer. Other mortgage companies (like the ones leading the Atlanta market) are doing the right thing. The "other" companies have style and class and they a great deal more about the consumer than they do commiting fraud so that another middle-aged balding manager can drive a Hummer. Date: Sat 03/3/07 12:48AM From: Message: Foti investigating complaints against Calif. mortgage company 12/29/2005, 6:07 p.m. CT The Associated Press BATON ROUGE, La. (AP) — The state attorney general's office is investigating a California-based mortgage company following complaints that the firm has taken too long to release insurance money meant for Louisiana residents whose homes were damaged by hurricanes. The company, Countrywide Home Loans Inc., issued a statement acknowledging the delays but blaming them on the high volume of insurance claim checks required after Hurricanes Katrina and Rita. The number of checks overwhelmed the company's system, the statement said. "This created unfortunate and unusual delays to some of our customers for a period of several weeks," the company said. Over a dozen formal complaints have been filed with Attorney General Charles Foti's office, alleging that Countrywide has received insurance money meant for homeowners needing to repair their homes, but held on to the cash for an unreasonable amount of time, Foti spokeswoman Kris Wartelle said. Many such insurance checks require a signature both from the homeowner and the mortgage company before the homeowner can receive the cash. One Louisiana homeowner told investigators that Worldwide held his $111,000 in insurance payments for more than a month, forcing him to produce $50,000 to pay contractors repairing his storm-damaged home, Wartelle said. The Countrywide statement said the company has caught up with the flow of checks, which "are now being processed in a timely manner." Countrywide is a subsidiary of Calabasas, Calif.-based Countrywide Financial Corp. Date: Sat 03/3/07 12:49AM From: Message: I know how you feel with getting treatning phone calls. but countrywide home loans is the best loanist i have ever made purchase with. Sooooo Sorry about your luck hope it gets better for you. Stop being a baby and take it like an american!!! Peace out, N/A Date: Sat 03/3/07 12:49AM From: Message: I know how you feel with getting treatning phone calls. but countrywide home loans is the best loanist i have ever made purchase with. Sooooo Sorry about your luck hope it gets better for you. Stop being a baby and take it like an american!!! Peace out, Southern Chick Date: Sat 03/3/07 12:49AM From: Message: I am thinking of buying a house and the builder uses many loan companies, one of whom are Countrywide Home Loans. I decided to look them up and got your site. Phew thank goodness I did, I know all companies have a few 'problems' but this many just smacks of sheer greed and incompetence. Guess I'll not be going with Countrywide. Thank you so much and I hope all your problems get resolved. Date: Sat 03/3/07 12:49AM From: Message: NOTICE: Sweat shop employees look up www.gdblegal.com. Overcharged fees for appraisals www.sherlocklegal.com Wrong doings www.jameshoyer.com www.ripoffreport.com Date: Sat 03/3/07 12:50AM From: Message: Thank you for contacting the Federal Citizen Information Center. Your message was forwarded to us for response from the U.S. Department of Justice (DOJ). We have received your message regarding Countrywide Home loans of California. If you wish to file a complaint against a mortgage or finance company that does not fall under the purview of a banking authority, there are several sources to consult. You may first want to contact the Federal Trade Commission (FTC) and file a complaint via telephone by calling toll- free 877-FTC-HELP (877-382-4357). Representatives can be reached Monday through Friday from 9 a.m. to 8 p.m. eastern time. In addition, within your state you can contact your local consumer protection agency. To access a list of consumer protection agencies, please visit: http://www.consumeraction.gov/state.shtm l We hope you find this information helpful. We are unable to accept replies sent to our mailbox. If you have any additional questions, please call our National Contact Center at 800)-FED-INFO (800-333-4636), Monday through Friday from 8 a.m to 8 p.m eastern time, or visit us on the web at http://answers.firstgov.gov/ Date: Sat 03/3/07 12:50AM From: Message: NO ONE CAN LIE LIKE COUNTRYWIDE CAN Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. That’s right, no application fee, no appraisal fee, no title fee, no closing fee, NO CLOSING COSTS. NEVEVERMIND THAT IT’S A VARIABLE RATE ARM (Prime Rate+) LOAN. NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY). NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE. No one can screw you like Countrywide can. GO GET A BETTER RATE & SERVICE AT YOUR LOCAL BANK OR CREDIT UNION. Date: Sat 03/3/07 12:50AM From: Message: On November 21, 2005, I sent Countrywide an insurance check for $23,294.48 for repairs done on my house after a storm. The work was fully complete and the contractor paid out of some extra funds I just happened to have. The person told me to expect a 5 to 7 day turn around on the check. After not recieving anything for a couple of weeks, I called back and they assured me that it was being handled and I should recieve something shortly. By the end of December, I finally talked to Chrystal Sisk and she told me she would personally handle the situation and on January 19, 2006, I recieved $7000 of the $23,294.48, leaving a balance of 16,294.48. After many calls and faxes, on January 30, 2006, I recieved a check for $1294.48 after being assured that the full amount was being sent. This left a balance of $15,000 which Countrywide admitted to sending to a wrong address in Louisanna (I live in Alabama). Yet, due the COUNTRYWIDES mistake, they want me to wait another month before a re-issue of a check will be done. I am forwarding this email to every banking regulatory body I can find until my issue is resolved. Date: Sat 03/3/07 12:50AM From: Message: Improper Home Charges Read then File a complaint www.zimmreed.com Date: Sat 03/3/07 12:51AM From: Message: Call FTC file a complaint by phone 1-877-382-4357 Date: Sat 03/3/07 12:51AM From: Message: NO ONE CAN LIE LIKE COUNTRYWIDE CAN NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY). NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE. No one can screw you like Countrywide can. Date: Sat 03/3/07 12:51AM From: Message: Its really not like you have much choice it seems to me. I am in a bid war with Sun Trust and Country Wide for my Re-fi. Countyr Wide has offered a 1 % lower rate and $2,300 less on closing than Sun Trust. Sun Trust admits that it is possible they may transfer the loan to other parties as they desire. I asked who would be likely to assume it.....Sun Trusts answer.....Country Wide. Apparently Sun Trust does over 300 million in business with Country Wide....so it really don't matter...its going to Country Wide one way or another, might as well secure the best rate and terms. Two employees that work with me have had there mortgages with Country Wide for 2 and 3 yrs. with no complaints...so far. Date: Sat 03/3/07 12:51AM From: Message: BEWARE OF MANAGEMENT ADVISORS INTERNATIONAL OR MAI. THEY ARE A CUT THROAT RECRUITING FIRM OUT OF HICKORY AND CHARLOTTE, NC, AND FLORIDA. THEY RECRUIT YOUR EMPLOYEES OUT OF YOUR COMPANY THEN CALL YOU AND REQUEST THAT YOU PAY THEM A RETAINER TO FILL THE OPEN POSITION. A YEAR LATER AND THEY COME RIGHT BACK AND RECRUIT THAT SAME CANDIDATE THEY FILLED THE OPEN POSITION WITH. THEIR GAME IS GETTING RETAINERS. IF YOU RETAIN THEM THEN WALK AWAY FROM THE DEAL, YOU OWE THEM 75%. IF YOU RETAIN THEM BUT FILL THE POSITION WITH A CANDIDATE YOU FIND, YOU OWE THEM THE FULL FEE. Date: Sat 03/3/07 12:52AM From: Message: You know, after reading all these complaints I must say I wish I had the internet when I financed my house... Let me tell you a story, last year I got laid off for the 4th time in as many tears. I have owned my home for over 20 years and paid on time every single month until last year. This hit an all time low. Between collage tuitions and rate hikes I missed a payment. I was 1 month behind for about 2 months but caught up last September. We then paid every month since. Well here is what Countrywide did. In October of 2005 I got a notice from the sheriff that my house was in foreclosure. We called the bank to find out why. The lady on the phone said it was just a formality to Service men and women to be aware and give them time to catch up. My wife said we did catch up last September and that I received a letter to that affect, she said OK I'll put a not you called and I'm sure things will be straightened out. 1 week went by and still no answer. We called back and they told us to disregard the notices and that we are up to date. Note: we were only behind 1 month in 20 years... Christmas time, a relative pulled me aside and said my house was in the news paper and that it was to be auctioned off. I never received a call from Countrywide, a letter or anything. If my sister didn't see it in the newspaper I would never had known! We called the bank the following day and the lady on the phone said not to worry we will straighten it out. 3 days before the auction was suppose to happen, no calls from Countrywide, no letters, NOTHING, a man came to my house to look it over he was interested in buying it. Needless to say I hit the roof. That same day people came in my yard and started taking pictures. I let my dogs out after that. We called a lawyer. To make a long story short my lawyer handled the whole thing and the auction was canceled. END OF STORY... NOT! They did it again!!!!!! A man came to my house and said he was interested in buying my property at the auction in March, I received NO paper work, sheriffs visit, bank rep.... NOTHING! AND MY PAYMENTS HAVE BEEN MADE!!!!!! Time to contact the lawyer again... the saga continues, I will let you know what happens or keep an eye on the news! Date: Sat 03/3/07 12:52AM From: Message: SEC Problems for Countrywide? When you read the quarterly and annual reports filed by Countrywide at www.secDOTgov (use the EDGAR button to navigate to their reports) one can see the true purpose of all of these games that Countrywide is playing with other people's money. When they scam you on a forced placement policy they are "double booking" that sum. First, they are booking it as revenue since they always place coverage with one of their wholly owned subsidiary insurance companies - Balboa Insurance or Newport Insurance. Then, they book it again on Countrywide's books as a receivable from the homeowner. When you add up the number of borrowers they have scammed with this little trick and multiply that number by $2,000, the average value of the double-booked entry, it's a large number. When they receive a claim at their fake insurance company, they defraud the homeowner by retaining a huge portion of the settlement for "fees" and if and when they ever actually do remit the funds to the homeowner, they have kept and used the funds for months or years. Countrywide is a fascinating operation. When cornered in a foreclosure proceeding recently, and challenged under the federal Fair Debt Collection Practices Act, Countrywide's documented response was to immediately "transfer" the loan to Banker's Trust NA which then ignored the demands under the FDCPA and tried to proceed to sell the property. What they got instead, although they have not yet felt it, is a ball-peen hammer between the noggin down at the SEC. These good 'ol boys running Countrywide have been signing these SEC reports with their accounting scams included, under the criminal penalty of Sarbanes Oxley for quite a while now. Want to let Countrywide feel a little of your pain? Use the SEC's online fraud reporting feature to complain about their rigged accounting. Do that and before long, we will all get to enjoy the Executive Staff and several Board members doing a little shuffle called "the perp walk." These people are why we build and maintain prisons. They are nothing but criminals, running a crooked little scam and injuring thousands of people, little powerless people, everyday. Fight back. Send email to the SEC demanding an investigation of their accounting. Send letters to their "Audit Committee," you can find their names on Countrywide's website under "Corporate Governance." Complain to your State Attorney General and especially to the California AG's office. Date: Sat 03/3/07 12:52AM From: Message: right on, brother. i worked for these mother f...kers for four years. go to georgia and read some of the comments from former employees. you will be astonished. Date: Sat 03/3/07 12:52AM From: Message: your main crook is david sanbol. i hope does 5 to 10 in the fed pen. Date: Sat 03/3/07 12:53AM From: Message: Enron ? S & L crisis of the 80s ? Date: Sat 03/3/07 12:53AM From: Message: I am dissappointed by your site. You promised stories from folks that like CHL but I could not find them. I refinanced with them and they were VERY easy to negotiate a great rate. I have had nothing but the best service from them all done in a professional manner. Unlike the previous lender, they pay my property taxes on time. Maybe it's because I live in the most friendly place on earth, but these folks made my loan experience a pleasure. I will be interested to see if you actually post my comments. Date: Sat 03/3/07 12:53AM From: Message: Follow-up----I checked with the BBB and in the entire country there were two(2) complaints which were resolved to the customer's satisfaction. What's up folks? Date: Sat 03/3/07 12:53AM From: Message: it is "countrywide home loan SUCKS" .com figure it out, dude. Date: Sat 03/3/07 12:54AM From: Message: BEWARE OF MANAGEMENT ADVISORS INTERNATIONAL OR MAI. Here's how there retainer's work. 1. you pay them to start the search. 2. 3 months down the line they come back and tell you they've exhausted your market and it's time to move on from the search. 3. you now have to pay them a closeout fee for them doing nothing. 4. if you hired a candidate outside of using their services, they will charge you the full fee because you was on retainer with them. 5. after you have paid them for doing nothing in one market, they will ask you for another retainer to start up a new market. MAI is located in NC AND FL. Beware of who you do business with. Date: Sat 03/3/07 12:54AM From: Message: joe anderson ? why? Date: Sat 03/3/07 12:55AM From: Message: Did you know that Countrywide owns their own credit reporting company and appraisal company so when you pay the appraisal and credit report Countrywide is pocketing extra money from you? Date: Sat 03/3/07 12:58AM From: Message: yes, they get a small percentage of those fees. if you wish to do business w/landsafe..CHL these third parties agree to pay. what is your point ? Date: Sat 03/3/07 1:00AM From: Message: doug casbo, jon steeel, charlie rogers are like little snot buggers that you can't flick off of your finger. Date: Sat 03/3/07 1:00AM From: Message: We had a Countrywide agent come to our home. When he showed up 45 minutes late reeking of booze he told us he had car trouble. When we sat down at the kitchen table a small glass pipe fell out of his left brest pocket. Clearly this was an instrument used to abuse drugs. My husband & I asked this person to leave our home and declined his loan offer. Watch out for these guys! Date: Sat 03/3/07 1:01AM From: Message: THIS IS IN RESPONSE TO "JOE D" and his worthless post on June 11, THIS IS FOR ALL PRO-CW AND ANTI-CW READERS. You don't seem to get it. For many years Countrywide HAS BEEN #1 in customer service. But guess what? Countrywide is soon to be a HAS BEEN. I know all this because I had just recently quit Countrywide to work for another mortgage company. Countrywide didn't use move operations over to India, BUT NOW they do! That will be bad for customer service. COUNTYWIDE IS NOW TOO CHEAP TO KEEP UP ON ITS COMPUTERS AND COMPUTER SYSTEMS. When I worked there, computers froze up at least 5 times a day, and application information was always getting erased. That is why the number of customers complaining about payments has been increasing in the last few years. That is why it is now taking Countrywide 30 to 40 days to close a loan. Also because Countrywide now has a lot of untrained, inefficient, and disorganized underwriters and processors. (Countrywide may now also be too cheap to hire an adequate staff) That is also why payoffs and other items are now coming out wrong. Also Countrywide requires just about all of its loan originations to use LANDSAFE appraisal, a company owned by Countrywide itself. Their appraisals are extremely conservative, and 9 out of 10 of mine and other A/E’s came in OVER $10K less than comps. Even if the home was in good condition. This forces the A/E to restructure the loan a higher rate, less cashout, fewer bills paid, or a some combination of the factors. Their appraisals set the road for disguised predatory lending, and bait and switch. Wake up Joe D! Have you ever studied the life cycle of an organization? Check it out. It comes in four stages: Introduction, growth, maturity, and decline. Right now, Countrywide is slowing down in the growth stage about to hit maturity. The only thing holding right now is the brand name. And if Countrywide continues with its path, it will not be long until it is in its decline stage. ENRON WAS ONCE A FORTUNE 500 COMPANY. Countrywide is riding in the same path. Also Countrywide was recently sued in California from its conduct as an employer, and apparently it never learned from the lawsuit. Another lawsuit will happen. Joe D. you are not in the position to call the people here "Jerk Offs". Especially if you're another goon in Countrywide's management. Because only someone in CW management would stick up for Countrywide the way you just did. Not to meantion Joe, you posted your same pathetic post on all 50 state pages here, claiming to be from different local cities. And to the Pro-CW idiot who keeps taking up the excessive space in the forum with blank lines. GET A LIFE LOOSER. You will not keep others from reading the previous posts. Date: Sat 03/3/07 1:02AM From: Message: (The CA posting page is not working, so site manager said to post in other states) I am currently employed by Countrywide and have recently experienced vile sexual harassment and financial abuse. I recently filed an HR complaint that resulted in my boss' termination. Thereafter, I was transferred for my "protection," given a position that I am lost in and did not want, and have been experiencing what I perceive to be (need to have my lingo legally appropriate) relatiatory actions on behalf of the management and executives. I am in Southern California. I need to check with my lawyer to see if I can name the region in this forum. I hate the company. I have been treated like a nothing and a plague. Everything the company does is with pretense and calculation. The game is being played by evil, narcissistic greed mongers. They place no value on human rights or suffering. It seems to be common belief that the region is corrupt and just a good ole boys' club. I have heard that promotions and rewards are commonly believed to be based on long-term friendships, blackmail/bribes and (extramarital) sexual affairs. There seems to be quite a bit of evidence to support it; it just needs to be put together. I was on a "privileged" team that virtually made its own rules and put a perverted, abusive non-supervisor in a supervisory role with me, after (allegedly) having had notice of his past abusive behaviors. He acted as if he were above the rules, because the region had reportedly covered some of his past incidents from HR and even rehired him after he was fired by the parent company: Northwest Mortgage. I have recently hired a lawyer to deal with executive management. I cannot say here, what it is that I seek; but we are wondering if there are any similar stories in the region that anyone can share. I specifically want to know about HLCs in supervisory roles, retaliation following HR complaints, the encouragement or discouragement of HR reporting, and any incidents that were minimized by higher-ups. My lawyer works on a contingency fee. I would never share names unless I had the express permission of the source. Even if someone can give me an idea of where else to look, it would be greatly appreciated. We'll do our own investigations. I want justice for others like me, and the company to face the consequences of their actions. I'm sticking around until it's done. P.S. I totally agree with the previous post: CW's technology is a joke!!! The software is archaic in design and completely illogical to the user. Can't everyone see where their priorities really lie? On advertising and self-gratification! They are all about promoting an "image." Our regional VP just gave us a three hour-long seminar on how he became top producer by DECEPTION, such as making himself "Mortgage Banker of the Year," and interviewing HIMSELF for an article that he paid $5000 to publish! Date: Sat 03/3/07 1:02AM From: Message: I have look over this web site and find it very humorous. I have been with Countrywide for almost 10 ten years. I assure you they dont hire lousy underwriters, processors or loan officers. They only fire them.... everyone on this web site blames Countrywide for their lack of morals, financial management and in ability to handle themselves like adults. I guess it is easier to blame the corporation and not look at ourselves. Oh and yes of course maybe we can get some money out of a lawsuit. Good Luck and to the former employees Good riduance the best thing that could happen to Countrywide is for you to be working for our competition. Date: Sat 03/3/07 1:02AM From: Message: Countrywide is a bunch of scumbags, rioght up to the top of the Legal Department. I worked there, many others worked there, and we all know that fraud and retaliation occurs to anyone who complains. These are the worst scumbags there are. Underwriters? right, pawns in the scheme to do more loans. Protect the scumbags like Bianchi and the rest of the crew, even the legal department, lying peices of trash, highly paid trash, but trash. They rip off employees and crush families of those who tell the truth of their criminal dealings. Take the $30 million settlement in Overtime in Rosemead, CA Google it, they still wont even admit they misclassify employees, but paid out $30 mil, hahahahah , noone has ever heard of a company paying out $30mil with something that was not true...this scumbag posts here for the Company but admit, the Company hates this site, are all the people here liars???? not. If the Company was so good and clean, they wouldn't send you people from India to put viruses on this site and post the nonsense. The Companies with Underwriting in the branches are the key to fraud, to pressured approvals, but remember, Cwide audits themselves....hahahahaha, that's right audits 10% of their loans. I personally know of fraud at that Company that was covered up and not investigated further because they would find more fraud. I also know a lying peice of shit lawyer for the COmpany, many of them , who lie lie lie and just like Rosemead settlement, will get the Company deeper into the shit they swim in. The Government is closing in and people are blowing the whistle loudly!!!!!! within a year press will be all over this stufff, thne you can post your sucking sounds sweetie. Date: Sat 03/3/07 1:03AM From: Message: Go to the press and tell them your stories, EVERYONE, go to your local press, and tell them how this scumbag company has violated if they have. Do not complain to the company, go right to the press, call the papers, call into radio shows etc etc...write letters to the editors, it is the only way to crush them and bring it out into the open...they block this site within their Company, hahahahahahahahah, they actually don't want their employees to know how bad a scum they are, right up to the top of Legal. Date: Sat 03/3/07 1:04AM From: Message: I know 4 females in my area who were made to do sexual things, reported it to their supervisors, and were crushed and retaliated against for the reporting, and oh yeah, transferred away to protect them....yeah right, the only way to help others is to go to the press...Everyone go to the press and tell your story, write them, write the editors and call the radio shows. It is the only way to get it out. Let the world know what scum this criminal company is. Give me one person who has complained and had the company thank them and admit they found something....damn scum, GO TO THE PRESS!!! The lawyers their are scum, Iam an ex-employee and speak from truth, numerous employees crushed when they have complained of stuff, numerous customers crushed when they complained, dared to sue, go get lawyers etc..don't call the press, write them and tell them the scum at cwide and their actions, its the only way. Date: Sat 03/3/07 1:04AM From: Message: I am and I have a bigger story than all of you have ever posted. It involves many, many empoyees and senior management that created a "witchhunt" their words to try and cover up for the most incompetent management ever put in place. Californa attorneys are the best to handle these cases, they have already gotten a taste of the companies illegal operations. The name is Godstein, Demchak, Baller, Borgen, Dardman. Pull it up on the website. Read the No pain, No gain. I was a long term employee of this company that helped them make a name when they did not have one. This case has already made it throug the fed government. And now it goes to the attorneys and then it goes public. Eeryone needs to know what goes on at this company, is there still forced overtime with no pay, YES. Are they still deducting defi payments from staff, YES. Are they still discriminating against women everywhere, YES. WE ALL NEED TO SPEAK UP EVERYONE. AND IF IT TAKES EVERY LAST DIME I HAVE TO SAVE SOME OTHER INNOCENT VICTIMS FROM WHAT THEY DID TO ME I WILL. EVERYONE NEEDS TO STOP BEING AFRAID, AND REPORT AND REPORT TO ETHICS, AND HR AND EVERYWHERE ELSE. IT WILL BECOME NEWSPAPER ARTICLES AND BOOK READING. Date: Sat 03/3/07 1:05AM From: Message: this guy below me is full of shit. I a business ethics student at Harvard and we just learned in our last lesson that CHL was a leader in womans rights at work. In fact they had and still maintain the most progressive paternity leave program in the state of california. I dont necessarily agree with that but facts are facts and this supposed manager is full of crap. Date: Sat 03/3/07 1:05AM From: Message: the "Harvard" student must have takne a survey class at Countrywide university in his summer school. I can name 4 females who were sexually harrassed in just one region, who were made to transfer, retlaiated by the HR department and as a past employee I can also say that I know a Sales Manager who was told that she could not be a Branch Manager because she was too young and that she was a female with too many emotions, not that it matters, COuntrywide hires females and males all the same, but in the end..... The overtime claim is real real real, and if you prosecute under state laws, certain states can compell arbitration..i.e Texas ruling. If you claim Overtime in California, it is class action time, just google Countrywide Overtime settlement and read how this criminal company paid out $30 million to setle this claim when it was brought about by 3 people. The whole company origination is classified as exempt and soon the Overtime claims will be vlowing in. The Company saves somewhere between $750mil to $1bil a year not paying proper overtime. The Company actually still denied that this was wrong and stated they though the uncertainty of the court system had them settle it etc....yeah right, no one on this earth has ever heard of a company paying out $30mil for a claim with no merit, and no still has. Show me where Countrywide has ever admitted a thing, ever, show me HArvard, where the company has admitted guilt in the public in their lifetime....never because they deny deny deny .... I know of so many cusomters and employees who have complained, provided proof, and the company still crushed them. I will predict that that Harvard education is really one from Countrywide, we all kn ow the company prohibits this site internally, hahahaha, they also have criminals like John Bianchi in California, criminal females like Megan Fink in San Diego. It is so funny for the fools like Harvard to post here, sent by the company, the site is owned by a customer who complained was proven right. This is a criminal Company right up to the legal department that protects them and writes responses of known facts that are misrepresenting the truth. Overtime claims should be made by all present and past employees, including production managers.... Have harvard show us the settlements of ALL the Overtime claims nationwide. I would guess that Harvard is a criminal scumbag like the rest of the COuntrywide executives and attorneys, and also beleive that Harvard has ripped off his employees, sexuallyt harrassed his employees, and committed fraud against thousands of customers... ALL EMPLOYEES>>GP FILE FOR OVERTIME< DEMAND IT KEEP DAILY RECORDS OF YOUR TIME THERE< GO BACK NOW AND START PUTTING A CALENDAR TOGETHER OF YOUR HOURS. IF YOU ARE IN CALIFORNIA< EVEN BETTER, FIND A GOOD FIRM AS MENTIONED AND IF YOU WORKE MORE THAN 50% of your time inside selling, bing! OVERTIME!!!! ALSO REPORT ALL FRAUD< NOT TO THE COMPANY < TO THE LOCAL FRAUD AUTHORITES AND TO THE PRESS... JUST CALL THE BUSINESS EDITOR AND ASK FOR INVESTIGATIVE REPORTER, PROVIDE INFO and SIT BACK AND WATCH THE COMPANY SQUJIRN OVER THEIR GREEDY GREEDY CRIMINAL WAYS. I REPORTED FRAUD TO THE COMPANY AND WAS CRUSHED FOR IT ALTHOUGH THEY FOUND IT TO BE TRUE!!!!!! NOW THE AOUTHORITIES HAVE THE COMPLAINT>>>TIC TOC FOR THESE CRIMINALS SIGNING LOAN DOCS WHEN CUSTOMERS MISS ONE AND NOTARY FRAUD AND THE COVER UP THAT GOES ALONG WITH IT....worse than Enron! Date: Sat 03/3/07 1:07AM From: Message: CHL is a leader in Fraud with Loans!!!! period. They have ripped off so many customers it is sick I agree. This site has been attempoted to be shut down, but the authorities found it too true and with 1000's of people ready to step up and be sworn under oath, have that Harvard Kenenedy dude go back and rescue that girl left in Chappaquitic who is now dead and f off, a true CHL person with a feable attempt at protecting the company, right on bro, hahahaah show us one place where a COuntrywide executive or senior manager has ever taken the stand and been sworn under oath and questioned...hahahahaha , has not happened because if under oath they KNOW they are in big trouble and easily proven a bunch of criminals. I asgree with last poster about Cali and think soon peolle like John Bianchi will go down for all his fraud and criminal actions. Overtime is waiting for those who ask for it, just got to get the right lawyer...go get em Harvard, still in scholl and not in world yet I see...so smart can't see a damn thing. Date: Sat 03/3/07 1:08AM From: Message: Godstein, Demchak, Baller, Borgen, Dardman. Pull it up on the website. Read the No pain, No gain. Call them for overtime claims, other attorneys are already preparing their cases, class class class action.....hahahahaha f cwide and the creep in Calabasa, including their Legal Department, bunch of scumbags and they know it.... Date: Sat 03/3/07 1:08AM From: Message: if you were a past employee or current one who was wronged by this company please email me for help and to share and join together... bridgegirl24@yahoo.com Date: Sat 03/3/07 1:08AM From: Message: I am on record that I don't think much of this mortgage company and, consequently, I should therefore not care about their employees, past or present, but since I am an honorable person I thought I would warn anyone thinking of contacting this person for helpor advice (bridegirl24@yahoo.com.) DON'T DO IT!! Date: Sat 03/3/07 1:09AM From: Message: Just go to other posts and see that you don't have to contact bridgegirl24@yahoo.com to ask questions or seek help, go to the press, go to the govenment agencies or post your questions on this board, if you want private help, email bridgegirl24@yahoo.com and maybe you find more help or advice, she is no lawyer, just an employee of the company who was sexually harassed and crushed by the company for reporting fraud and other compnay violations in Southern California. Bridgette has helped so many on here, in Arizona and California, that is until Countrywide crushed those states sites to post, but if you go to the Illinois site, the Cali/AZ posts are there now for you to read and see for yourselves....the poster before wants you not to contact Bridgegirl24@yahoo.com because, like the Company, they want you not to pool information and find how bad this company really is. In fact Countrywide is trying to get her ID deleted for posting on the CRFC stock board message board, go read the posts and see...you can always post your complaints or questions on this website and bridge girl can help along with other ex-employees with stories to inform the public of....nice try Countrywide, but still a bunch of creeps protecting their own at all costs, even destroying families to protect the likes of Bianchi in Southern Cali. Date: Sat 03/3/07 1:09AM From: Message: I am on record stating the poster previous to Briedgegirl was sent from the Company due to the fact they know the truth is here and continues...the owner of the site has it for another 10 years, read his story and tell us it is false!!! if you were an employee, bridgirl24@yahoo.com is just anothe place you can speak to someone anonymously....not required to get help, this board works and she has helped many realaize the situation is not a alone one. Date: Sat 03/3/07 1:09AM From: Message: Everyone go to the press and tell your story, write them, write the editors and call the radio shows. It is the only way to get it out. Let the world know what scum this criminal company is. Give me one person who has complained and had the company thank them and admit they found something....damn scum, GO TO THE PRESS!!! The lawyers their are scum, Iam an ex-employee and speak from truth, numerous employees crushed when they have complained of stuff, numerous customers crushed when they complained, dared to sue, go get lawyers etc..don't call the press, write them and tell them the scum at cwide and their actions, its the only way. bridgegirl Date: Sat 03/3/07 1:09AM From: Message: Do NOT use Countrywide Home Loans or Full Spectrum lending to finance your home. If you are looking for a lender that will be honest and/or professional throughout the loan process, COUNTRYWIDE is not the lender to choose. The loan officers and managers they have on staff are the most dishonorable, dishonest and unprofessional people I have ever dealt with. I have been in the real estate business for over 10 years and recently (2 months ago) financed my home with Countrywide through Full Spectrum (Montgomery, AL office). The customer service was awful. I was lied to on numerous occasions. On numerous occasions I was told that someone would call me back and I never received a return call. I was told on three separate occasions that they had all of the paperwork they needed and then asked the next day for additional documents or a letter. Each time I contacted the office to speak to someone I basically had to threaten the person that answered the phone in order for whomever I was calling for to get on the phone. To make matters worst, TWO months after closing I am STILL waiting for a copy of my appraisal that I paid $515 for(the most I have ever had to pay for an appraisal). Each time I call about it I am told "sorry I got caught up and didn't send it out the other day but I have it right here and I am overnighting it to you now. You will have it on your doorstep tomorrow. I STILL do NOT have it nor have I received a call to say why I don't have it or when I will. COUNTRYWIDE IS THE WORST COMPANY AND I WILL TELL ALL OF MY CLIENTS ABOUT THEM. Date: Sat 03/3/07 1:20AM From:   From:  Message: S&P 500 Scorecard: Hospira, Mylan, Countrywide Lead Index Lower Aug. 11 (Bloomberg) WORST PERFORMING Countrywide -12% The biggest U.S. mortgage provider said Financial Corp. lending declined 19 percent, more than (CFC, $32.94) analysts expected. BYE BYE PIGGY BRIAN HALE HAHAHA Date: Sat 03/3/07 1:21AM From:   From:  Message: Countrywide sales are on a decline. Go figure, but their profits never seem to go down. That's because their not investing enough in technology, scheming on employee bonuses, sending call centers over to India! But they must continue to invest heavily in a strong legal department. They must have the best attorneys! Hmmmm, I wonder why... About the loan officers. Countrywide does have a lot of good loan officers. The problem is the management they work under. Countrywide has the most unethical and irresponsable managers running the sales teams. Also the underwriting and processing departments have a terrible, ineffictive, and incompetent system in place. That is very frustrating to the loan officer and the customer when a loan is trying to be done. Date: Mon 03/5/07 9:27PM From: Erik Jensen   City: South Jordan Message: I changed Homeowners insurance companies in the spring of 2003. As soon as Countrywide was notified that State Farm was cancelled, they added their Homeowners insurance to my loan even though I now had Farmers Insurance. Countrywide took my monthly mortgage payments and paid off their insurance first instead of applying the money to my loan. This put my home in foreclosure and stopped the refinance I was working on at the same time. The Sheriff's sale was scheduled in 90 days (late Sept. 2003). I spent well over 100 hours on hold trying to get somebody to correct this and stop the foreclosure. I got the Utah Insurance Commossion involved as well as a local consumer TV reporter and the Federal mortgage rep from Utah. None of this stoped the foreclosue so I was forced to file Chapter 13 to save the home. This effectively ruined my credit and any chance to refinance to get away from them. I have been spending an extra $10 a month to get a return receipt and signautre for all of my payments since then. I received a letter in July 2005 from Countrywide's attorney saying they are trying to get me removed from the Chapter 13 for non-payment. I have signatures and cancelled checks for every month. They actually returned July 2005 payment due to this pending litigation! They will not accept the August 2005 payment,either. They are doubting the validity of the cancelled checks my bank provided. Date: Mon 03/5/07 9:28PM From: Edna   City: Cedar City Message: I thought it was just me until I stumbled onto your site. Countrywide is always tacing on late fees to my morgage even when I send it in on time. They NEVER pay the taxes so several times a year I have to deal with the IRS and Country Wide (AKA RIP OFF) Home loans. They must have way too much staff because I get harrassing phone calls all the time! For example: This month I paid my morgage (on time) on the 15th of the month some punk calls me and is asking me if I plan on paying my morgage on time next month??!!! What a moron! I also get several calls a week asking if I want a home equity loan. I totally hate CountryWide. All the other morgage companies I have dealt with in the past have never been this rude or hard to work with! Date: Mon 03/5/07 9:28PM From: Steve   City: Clearfield Message: My wife and I are getting ready to move into a larger home. Countrywide had been recommended to us by several sources. My wife found this website and we've been reading the stories. If there had only been a few stories here, I would have dismissed them as sour grapes. There are more than a few stories though. No one in their right mind would take the risk of doing business with Countrywide after reading the stories here. This website even makes me nervous about my mortgage ever being sold to Countrywide. We have had a mortgage with the same financial institution for several years. It has never been sold. We have just made an appointment with them to prequalify for a loan. I'm glad we saw your site. Date: Mon 03/5/07 9:29PM From: Tracey   City: South Jordan Message: I guess I WISH I WOULD have seen this before I went ahead and am trying to get a refinance through Country Wide. We have been trying to get a hold of the guy doing our refi for 2 weeks now and TODAY they have been in a meeting ALL DAY LONG???!!!!??? Before today it's been one great excuse after another. I've had it!! I need this money to get projects done YESTERDAY. I have great credit, high score and still they are having a problem finishing up my paper work and making at least SOME CONTACT with me. What the hell are these people thinking?? I know this Friday morning when my husband is off work we are picking up our file and raising some hell.... Date: Mon 03/5/07 10:50PM From: wells Message: even bottled water is a rip off...everyone is out to make a dollar...dont get mad if you got burnt...hustle harder baby.. live and learn.. it happens.. dont post anything.. noone cares.. lifes hard. people seem to forget everything is about money.. dont be so weak..if you got burnt and you know it.. dont tell anyone haha.. just dont let it happen again.. if you work for the company and love it. hahah dont tell anyone.. your the only who needs to know.. everyone mind your own business.. bite your tounge.. in all honestly.. NO ONE CARES ABOUT YOU.. Date: Tue 03/27/07 12:59AM From: James Waves Message: litoleonardo@yahoo.comWE ARE A REGISTERED AND CERTIFIED LOAN LENDING FIRM,WHICH GIVE OUT LOANS TO THE PUBLIC AT A VERY REDUCED COST OF LOW INTEREST RATE.WE ARE DYNAMIC,RELIABLE,EFFICIENT AND TRUST WORTHY.CONTACT US NOW FOR YOUR SHORT AND LONG TERM LOANS.YOU ARE FREE TO CONTACT US NOW FOR YOUR ONLINE LOANS,VIA E-MAIL:lenderwaves@yahoo.co.uk PHONE:+447011148335 Date: Thu 04/12/07 12:10PM From: Uh-Oh Message: NEW YORK, April 12 (Reuters) - Countrywide Financial Corp. (CFC.N: Quote, Profile, Research), the largest U.S. mortgage lender, said on Thursday the amount of mortgages in its portfolio that are in foreclosure nearly doubled, amid a difficult U.S. housing market. Date: Thu 04/12/07 7:34PM From: former employee Message: Anyone who was forced to spend their own money to fix their home even though CHL had the insurance funds or any related issue with Countrywide ot email me at mwade88@hotmail.com Fox news is interested in talking to anyone affected as I challenged and fought them on their business practices and have proof they had knowledge of the problem and did nothing to fix it while I worked there. God Bless Mark Date: Sun 04/22/07 11:42AM From: PloP....kinda like the CFC turd hitting the water. Flush that crap! Message: Yes there's fraud in Atlanta and it would be ignorant to say that no one at Countrywide is involved in it. Fraud is not however what is going on in Region 18. In the last year and a half R18 has acquired a new 1st VP and a new RVP. They have a reputation for circling the companies, bringing their buddies, creating havoc, and moving on to the next. The problem is that there are a lot of really good, reliable, hard-working people that these guys haven't the slightest concern about. They ruin lives by firing anyone who looks at them sideways because they got their jobs on false pretenses, they're not quite sure what they're doing but they're pretty sure it's wrong, and anyone who speaks up to them is a threat. Politics, power and corruption -- the American way. Date: Tue 04/24/07 11:01AM From: Mr Snell Williams Message: Hello, I am Mr Snell Williams, A private loan lender, i give out loans to those who are in need of loan with low interest rate of 5%. If you are in need of loan, Financial a**istance do contact me back so that we can proceed with the loan process. I will be waiting for your response to this email. If you are interested in obtaining a loan from us you are to fill the borrower's informations below. Email: snelllender@yahoo.com Full Name: Address: Phone Number: Amount Needed: As soon as you have provided the above informations we will have to proceed with the loan immediately. And with that i will have the ability to send you the loan terms and conditions. I will be expecting your email. 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My story is horrible. Here are a few highlites. It is true. When people ask for a Lender, I tell them "Use any of them except Countrywide". My mortgage payment has changed 3 times in 24 hours. The don't pay all of the taxes (Escrow Account) on my property. I almost lost an acre because of them. They have raised my Homeowners Insurance from $727.00-$882.00 in 24 months. I have never had a claim. They claimed that they never received my first house payment. Forcing me to pay online. 2 months later they sent it back torn into 4 pieces and said they couldn't accept it in that condition. They would not reimburse me for a stop payment on my check. 2 weeks after we closed the home Balboa Insurance Comp (A subsidiary of Countrywide)sent me a bill for $25.00. I asked Balboa what this was for and they said they had made a mistake at closing and I owed the money. I told them to pay for their own mistakes. They took the money out of my escrow account. Never informing me of what was taking place. Last week when I began proceedings to change my homeowner policy CW called acting as if they were concerned about third party activity. They were losing money from me and that is all that they are concerned about. The real problem is that Countrywide has gotten way too big and is not concerned about individuals. I have been lied to several times. They shuffle around information on there website regularly. My experience has been tough. Beware of the BIG COMPANY and remember you as an individual mean absolutely nothing to a Mortgage Giant. I would like to join forces with some other people to put them out of business. In a Christian Way!!!!!! Date: Sun 04/29/07 11:49AM From: Former CHL Message: Phone the Office of the President at CFC. There is an entire department dedicated to resolve issues in a VERY professional manner. I do not have the number but phone Countrywide's 1-800 # to get the OOP's number. You WILL like the results. There is no way in hell you are required to have individual flood insurance for a condo. Even if you did, your Association would be responsible for it. Date: Thu 08/23/07 11:43AM From: Literati X Message: Bank of America went inside Literati X's savings account and funneled 2 billion out to Country Wide Financial, then kicked Literati X out the bank and said: "Fuck you ,Nigger!". Date: Sat 10/6/07 3:23AM From: S.G. Simpson Message: ON sept 14th 2007 - countrywide/landsafe did a apprasial on a house - and on said appraisal - They listed a comparable house - They said sold for 39,900 - which really sold for 63,724 dollar's - This drove down the value of the appraised house - and put it into sub-prime levels ...