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

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

Need A Home Loan CA, 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 California (CA) have been saying...

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ADD YOUR STORY Date: Sat 03/3/07 1:50AM From: Irriated (and unfortunate) Repeat Customer   From:  No. Cal. Message: Twice Countrywide Home Loans has incorrectly reported to the credit agencies (Equifax, Experian etc.) that we were thirty days late. Once, was when our re-fi closed and they were paid off in full 3 days after the payment due date, and again, three years after our loan was paid off (meaning they reported us as 30 days past due when we didn't even have an open loan with them!). When trying to re-fi again, they refused to send me a letter stating that it was their mistake and that delayed the re-fi and caused other problems. I managed to work it out and get my re-fi, and then guess who bought the note!?! I can not seem to get rid of this company. They are like a cancer that won't go away. They have no sympathy and do not care about their customers! I can understand that they are in the business solely to make money, and not to be considerate. But please, if that is the case, then they shouldn't waste time and money pretending and advertising that they do care. Isn't the billions of dollars in interest they make good enough for them!?! Date: Sat 03/3/07 1:51AM From: Kristen  From:  Elk Grove Message: I am a former CHL customer. We had a major nightmare (repayment plan, VA loan, possible foreclosure). Luckily we were able to refinance and get rid of them. 2 years later we went to refinance again and who should rear their ugly heads? Yes, Countrywide. Apparently the payoff from the 1st refi wasn't quite enough according to them and they put us into foreclosure (on our credit report) without sending us notification and then realized the payoff was OK and sent us the remaining balance in our escrow account. Now for the really scary part - my current loan was just sold to Countrywide after only 2 months! I am scared to tell my husband. He hates CHL more than me. I think he may blow a gasket. I seriously think CHL has it in for us. I know now that I will be sending all my payments via Western Union and then calling to inform them of the payment and keeping a documented log of all calls. I may even consider cancelling my escrow fund and paying my own taxes and insurance. I hope my problems don't come up again.... Date: Sat 03/3/07 1:51AM From: Jeannie  From:  Central CA Message: as I read through all the problems that both current and past customers have had it is really sad to see customer service go bad. My situation happened this year actually in May 2005. The payment I sent was suppose to be for May 2005, but CWHL waited to put the funds in June 2005 causing us to have a late put on our credit report. We have letters that show this. The thing I do not understand is why is it so easy for big companies to put a mark on your credit report and it takes so long to have it taken off. I think that is unfair as a consumer to go through this and now we have problems because what was put on our credit report by CWHL and Ameriquest. Another company that needs to be exposed more. Date: Sat 03/3/07 1:52AM From: Dave Uyemura   From:  Pasadena Message: I worked for the CW Wire Dept in Pasadena as a contractor for 2 years, both on a full-time and part-time basis. My first year as a Funding Technician and the second as a part-time Data Analyst though my official title did not change. I recently left CW bec I had another full-time job and the CW assignment was not paying me enough to make it worth the effort. Working as a Data Analyst/Database Developer in two places, I saw how one company(my full-time employer) was very proactive in paying me at a market rate, the other(guess which one) was not even close. At my full-time position I received a much better starting salary with full benefits, a "significant" 90 day increase, and another raise on my one year anniversary. During that time, I am doing the same work at CW, same temp pay. Hmmm, something didn't add up. When I originally told my manager that I was leaving CW as a full-time employee to take this other job I was told that I would be paid 'about the same amount' as what I was getting at my full-time job if I would stay. When I agreed to stay on as a part-time Data Analyst it was "work at your current rate for "awhile"" and 12 months later (and after I got my one year raise at my full-time job) with still no pay increase at "you know where", it was time to say "Adios". Between my boss and her manager no one knew what they wanted. I would have been better off programming to a wall. The other issues were lack of some internet accessability( ie checking email) which is vital to a student of the art of programming, and the ridiculous "you don't meet with any customers but...." dress code. What an inconvenience. These were relatively minor issues though compared to the FACT that CW is the cheapest piece of shit company I have ever worked at. I would NEVER become a full-time employee there. In fact to say that CW is cheap(and to be fair all banks are, frankly) is an understatement. I heard the sales pitch from my manager, 'well the benefits are good' and all that song and dance but I mean get real. When the focal point of your offer is one company's health insurance plan is better than the "other" company's, well that says it all. Yeah, I know plenty of cases where I should pay 1600 dollars per month for insurance coverage in the form of lost wages, oh yeah baby, tons of them, LOL. What a joke! Not only did I get timely raises at my regular job, which is both fun and challenging, but I remember the day I got my 90 day review. My boss physically walked down the hallway and called me into his office to discuss it! I mean I didn't have to remind him one iota. I have now been at this job going on a year and a half and there is no question I made the right choice. Not only is the pay worse than awful at CW but the morale is very poor as well. Furthermore it appears many who are supervisors at CW reach their management level simply bec they have spent the time to advance (as opposed to having good management skills) AND there wasn't anyone better to become a manager. Everyone there I know(whom some are friends and family members mind you) are there because they don't have the skills to do anything else. I mean if they did they wouldn't work there would they? No one there can say they truly like what they do in all the departments I have seen. I can't recommend that anyone work for Countrywide unless you're looking a stepping stone between unemployment checks and a real job. Date: Sat 03/3/07 1:52AM From: Michael   From:  Chicago Message: Rick and Leslie- Leslie is obviously a very hostile and uneducated individual to make statements without offering anything to back them up. I know many people have tried to organize class action lawsuits, however you cannot sue your mortgage company if you don't make your payments. As I stated in my previous post, I am a former Countrywide employee. However, if you read a little more, you'll see that I have left my personal e-mail for people to contact me directly. Either for assistance, advice or to bitch me out. It's your right as an American. I just want to remind people that making up stories to purposfully damage the business reputation of a company can get you sued. I think it's kind of ironic that companies like Wells Fargo and Ameriquest have shut down sites like this yet Countrywide hasn't come after the owner of this site. If they were so "evil" and intentionally taking people's homes they damn sure wouldn't let this site continue. I do agree with alot of the former employees that post here on the pay at Countrywide. It's definately not high enough. Date: Sat 03/3/07 1:52AM From:   From:  Ohio Message: WOW! I'm going to say something to all CW associates that view this site how things should work. I will use "Michael in Chicago" and "David Ortiz" from the Mass. forum as an example here. First I may add that I've read many of the state's forums on this site. I noticed that everyone who claims to work or has worked there seems arrogant and rude. Secondly, to the complainers, if you are late on your payments or don’t pay your mortgage that’s your own fault. YOU MUST MAKE YOUR PAYMENTS! No exceptions! Even I would not feel sorry for you. I used to have a loan with CHL and my complaint is that the associates are very poorly trained. They do not know how their own systems work thus leading to confusion, non-follow ups, and rudeness to follow that. Simple things like getting the wrong address recorded at the onset of my loan took 5 months to fix. They sent me a check for the entire line of my equity. It took a lot of back and fourth to get that straightened out. (4 weeks to be exact) My HELOC checks were never sent to me. Finally, after 3 weeks, when they arrived, I promptly wrote 2 of them out for use. I realized a few days later that the address on them was incorrect by only a couple of house numbers. I called CW and told them. They said “fine we’ll change it, have a great day”. Boom, 3 days later my home bank calls and tells me they have shut me down because CW stopped payment on the checks. I eventually found out that their system automatically is set up to stop payment when there is an address change. Why did the associate not inform me of this? I told them I had two checks already out there. I had no money access for 4 days. Then they charged me $35 for a wire transfer fee so I could get back to my life. It took several more attempts being batted around from the California to Texas offices. It’s like there was no account history. Very upsetting and inconvenient. I actually had to tell the one gal who was getting rude with me to just be quiet and to my story for just one second! At which point I asked her which one of us was the customer? She hung up on me. Very, Very horrible business practices. This country is FULL of ass kissing sales associates who treat you like a valued customer before the sale and then like a mother fucker ever after the sale. Believe me it’s this country that has the biggest problem with it! Here you can’t rob someone at gun-point but if you do it with a pen, it’s legal! Let me get to my point now. The people complaining on these sites may or may not have a legitimate gripe, but they are the working people of this country. Carpenters, farmers, engineers, business owners...whatever it doesn't really matter. Lending organizations should be trusted and show the utmost professionalism. How can you expect everyone to be a loan expert? If every one where as smart as CHL associates, then they might know enough to stay away from CW loans. Michael, are you a stupid fucker because you don't know how to do build a house to state code? Are you a moron because you don't know how to pilot a helicopter? Do you know how to design a high performance motor? If you where my customer and I were building your house and you didn't know all there was to know about the profession, should I be allowed to take advantage of you? You see we all can't be "experts" at everything. The lending industry knows and takes advantage of these facts everyday! Just look at the shitload of papers that need signed at closing. I don't think anyone has ever read all of the bullshit in there. They just keep in mind what the term and percentage rate is. You have to have a real-estate lawyer interpret that crap. Bottom line is the lending industry uses all of the little fine print to slightly bend the original parameters of the contract. If they did not then why does everyone complain about “Hidden fees”. I was told there was no such thing. Greedy, greedy bastards are at work everywhere it seems but the most prevalent is in lending. Date: Sat 03/3/07 1:53AM From:   From:  Message: Can I just add that I LOVE this site! I'm supprised (did I spell that right?) nobody has posted under my name yet. Can't wait for that one. Everyone have a GREAT weekend! Go White Sox! Date: Sat 03/3/07 1:53AM From: New home buyer   From:  Sacramento Message: I was very surprised to see this web-site after I had already had horribly negative, and stressful dealings with Country Wide. They totally miss-handled the closing of our real-estate transaction, and almost caused the whole deal to fall through. They partnered with a completely incompetant, unprofessional, and rude title company (Alliance Title sucks too!!!). Between the incompetance at Alliance Title and CWH, the closing date for our home was 5 days later than it should have been. During which time country wide was waiting for documents from the title company, and Alliance was waiting for documents from country wide, no body bothered to call each other, or call us, and the deal almost lapsed and expired. If it had not been for us making a change phone call, the deal would have collapsed and we would have been left holding the bag on the fees of a canceled real-estate transaction. Nobody apologized for the screw up. In fact Alliance were the most rude and unprofession people I have ever had the misfortune of doing business with. I will never do business with CWH or Alliance again, and I highly recommend that they be avoided at all costs! Date: Sat 03/3/07 1:54AM From: Michael   From:  Chicago Message: Our unidentified friend from Ohio writes: Left: August 08, 2005 By: In: Michael, I’m not bitter. I’m only trying to do my job too. Please continue to help “David from New Lenox”. I think “David Ortiz” from the Massachusetts forum needs help as well. OK, you win. I won’t point out any more typographical misnomers. If you’re not employed with CW, then why do you continue on your quest? No one does what your are doing for no reason at all. There is no such thing as altruism, it is a myth, a chimera, when applied to human affairs. All human behavior stems from inherently selfish motives. Then I wrote back: Left: August 08, 2005 By: Michael In: Chicago I will respond to you one last time. I am a former Countrywide employee. I know the inner workings of the company and how to get around many of the road blocks that large companies such as Countrywide tend to put up. I also am quite familiar with state and federal lending regulations. I'm simply offering my assistance. I'm not even working in the mortgage insustry any more, although I did put in almost 8 years in that particular industry. When I come across websites like this one I feel obligated as a former mortgage professional to offer my knowledge up for the public good. Some people do things to help people without an alterior motive. By the way, you said it was your job to what you do. What DO you do and who are you? What is your motivation in attacking me or anyone else who would offer advice or assistance to thoes in need? I've posted nothing but the truth here in an effort to help those who need it. Michael_Harman1976@yahoo.com Anyone can feel free to email me. Either to ask for advice or vent. Thank you, Michael Date: Sat 03/3/07 1:54AM From: John  From:  Orlando Message: Countrywide is foreclosing on me on Wednesday. However, I'm closing on a new loan on Tuesday. The problem is that in Fla, there is a 3 day rescisson period which means my loan with CW won't get paid off from my re-fi until after the foreclosure sale. I can't get anyone from CW on the phone to ask them to push the sale back a couple days. Date: Sat 03/3/07 1:55AM From: Krystal Jones   From:  Westlake Facilities Message: I have worked for CHL for a year and a half now. I have found that the corporation only employs bitter angry middle aged ho's who want to bitch and moan about their miserable and angry lives. I've waited for a raise for 4 extra months then when I was originally promised I would see one. The surprise, I am a VP in the quality Control Department. Yes , I have many employees and I hate them all. They hate me. That's what we're all about. When I resign, I'm going to just walk out right away, no notice I HATE COUNTRYWIDE. Not to mention , I work for a racist boss who hired me only because she had to cover up her prejudice attitude! Date: Sat 03/3/07 1:55AM From: going crazy  From:  Southern California Message: believe it or not last march i found this site and at the time i had a very serious problem w/ cw they recorded my house wrong , its as payed for in full i have the deed we have been trying to fix it since feb. so far all they have done is switch from dept. to dept. people that are working on this for me now told me they think they are just giving them the run around too, haha probably true but its now aug. and nothing is acomplished, ive lost out on one big sale i cant even refi and to top it all off there is no record i have even made one paymenhelp i think im going to get sick, is there anything i can do? please help somebody please!!!i will wait for a response under cal. stories. thanks Date: Sat 03/3/07 1:56AM From:   From:  California Message: Well what can I say? It all depends, some people are happy at Countrywide and other's are not. You're not going to find out unless you try it out yourself. All I can say from experience is that Countrywide lacks the profesionalism and courtesy towards their employees. Not everyone has a bad experience, but the majority are not very happy. The dept. that I was in was based on favortism, and I just knew I had to deal with it. Luckily, I was one of them that was on the good list. However, the team that I work for was awful, so it didn't matter at that point anymore, they had the power to make my life a living hell. I learned a lot from Countrywide and at the beginning it was great, but I soon realized how they work. The company as a whole does not care about their employees. Unless you get lucky and get a pretty descent manager who is on your side, then you're good to go. I personally would not recommend any of my friends because I wouldn't want to refer them to a company that will work them to death and not compensate. It's up to you!! Date: Sat 03/3/07 1:56AM From: SHARONNE   From:  Coronna Message: HELLO READERS, I HAVE HAD THE SAME PROBLEMS WITH COUNTRYWIDE 2 TIMES. THIS TIME THEY PUT ME FORCLOSER BECAUSE OF THEIR MISTAKE. FIRST COUNTRYWIDE BOUGHT MY LOAN FROM A LENDER. WE NEVER HEARD FROM COUNTRYWIDE FOR 2 MONTHS. I HAD TO CALL THEM. AFTER THEY FINALLY SEND ME NOTICE OF THE TRANSFER I RECEIVED A NOTICE OF ERROR FROM COUNTRYWIDE REGARDING A 60 DAY PERIOD WHERE THEY WILL NOT REPORT OR CHARGE ME LATE FEES. THAT NEVER HAPPENED, I WAS CHARGED WITH LATE FEES. I HAD TO BACK PAY THEM 2 MONTHS OF PAYMENTS WHICH I DID. BUT THE PERSON TAKING MY PAYMENT APPLIED FROM MY PAYMENTS 2 MONTHS OF LATE FEES. SO A LARGE PORTION OF MY 2 PAYMENT WENT TO ONLY PAYING 1 MONTH OF MORTGAGE AND THE SECOND PAYMENT WENT TO AN UNKNOWN ACCOUNT. SO HAS I'M MAKING MY PAYMENT I HAVE NO KNOWLEDGE THAT I AM PAYING THE PREVIOUS MONTHS PAYMENT AND IT DOES NOT REFLECT THAT ON MY STATEMENTS. SO I HAD NO KNOWLEDGE OF AN ACCOUNT SET-UP FOR MY MONEY THAT WAS NEVER APPLIED TO ANYTHING. I HAD TO PAY A LARGE LUMP SUM TO KEEP MY HOME FROM FORECLOSER. COUNTRYWIDE REPS HAVE NOT ACCEPTED THERE PART IN THIS ERROR, AND I HAVE IT IN WRITING BUT THEY REFUSE TO RETURN MY MONEY FOR LATE FEES OR THERE ATTORNEYS FEES THAT I HAD TO PAY. THIS IS CRAZY THIS ABUSE MUST STOP. I AM GOING TO DUE WANT EVER I CAN TO FIND AN ATTORNEY TO TAKE MY CASE. Date: Sat 03/3/07 1:57AM From: Jerry  From:  Rocklin Message: I went to work for Countrywide "Full Spectrum Lending." I found their "training" to be more brain washing than anything else. They make you memorize a seven page single spaced "Sript" and test you to make sure you can recite it like an actor. Now that I have reviewed your site I can see that my gut feeling that Countrywide is a scam was correct. One of the hardcore "Account Executives" "SOLD" seven loans and had seven cancellations in the month I was there. That told me that their loans are not competitive. If you shop Countywide you can find a better deal every time. They have a bunch of Old Sueade shoe loan hustlers running the "Sales Training" which is really more like brain washing. They even call it "BOOT CAMP". The head VP claims he graduated from "Harvard" and then got his first job as a phone solisitor at a loan company. Can you believe that? They could care less about being professional and actually knowing what the hell you are talking about. All they care about is that you are PSYCHED!! AND "WANNA MAKE 100 GRAND!!!" What a bunch of BULLSHIT! COUNTRYWIDE SUCKS!!!! Date: Sat 03/3/07 1:57AM From: C-wide Crusher   From:  Southern California Message: The Company violates HUD laws, State Laws, and is a bunch of criminals as I can see.... If the regulators actually went in and looked at each loan done in SoCal region, you will find a very high percentage of loans that were defi one way or another, and the Company stating in QC Audits that the majority was an "acceptable risk" to take, which leads most to see they will only do aomething about it if and when the Government tells them, because they flat out ignore custokmer complaints knowing they would have to get a lawyer, arbitrate etc etc...they commit fraud on employeees and dare them to do anything about it. The Company has violated lender reporting. They actually put my name on a loan run, when I didn't even work at the branch who did it. I have proof the Branch Manager went in and id it trying to cover his butt. That branch manager is no longer with the Company. SoCal region s are a bunch of errogant people who violate the Cwide policies and are criminal themselves. Scumabgs. I am looking for more ex-employess and current employees who have beend harrassed and retaliated against when they made complaints. Also looking for employees and past employees that had nothing but pyroll problems. Date: Sat 03/3/07 1:57AM From: Anti-Trust Issues   From:  Southern California Message: If the other lenders and govt agencies look hard, they will find that in order to get a 100$ stated loan conventionally a borrower can only go to one place...Countrywide, unless they want to pay points and go to the sub prime side. In this itself a consumer has only one avenue to get loan done, and Countryiwde is a very very eroogant company that knows this. They have missed more purchase deadlines than I have ever seen, and the people know they will lose the properrty or the earnest money if they dont close. My own manager was one who did this also, quoted rate, did not provide proper disclosures to more than 40+ customer I originated, and then would hit them with higher rates when it came down to days before closing. This has been done by the biggest and best C-wide has..John Bianchi, the erroganty weirdo himself has aliented more current employees, not to mention other region employees that will not come to cwide due to his errogant f-u attitude towards anyone who complains about his unethical, unprofessuional, dischonest businmess practices. This is a Region, SOCal that will need to gear up for the auditing and the numerous customers currently planning actions. When they fired the manager, it all fell into place. Please line up if you are an ex-employee or had bad loan processing in the SoCal region...especially...hahahahahahahhaha They are scumabags... Date: Sat 03/3/07 1:58AM From:   From:  calabasas Message: How many people were pressured by the Loan Consultant at Countrywide to take all the money dispursed to them from their equity lines instead of writning checks on it as you go? Know that the Loan Consultant gets paid alot more if it is dipursed, and if you only let it sit and dont touch it, the loans consultant will only make peaunuts, $50 or so. The tactic through the Company is one of greed, make them dispurse it so they get paid, even dispurse it withoput their knowledge until iut closes, then there you go... the paper will show it was dispursed and the Loan Officer gets his money, on $100k, it is roughly, $650 vs $50 if they dont dispurse it, alot of incentive folks. Date: Sat 03/3/07 1:58AM From:   From:  Message: Ok piker, go ahead and tell us all how many lenders you can go to if Countrywide screws you over at the last second on a 100% stated purchase loan? Tell us that Wells or WMu or BoA or Chase has them...go ahead and show us how you think consumers are helped by having only one lender provide such financing. You are obviously a piker employee with Company, and overall, you have said nothing to refute a thing. Anti-trust has many components, and if the consumer has only one Company with no competitors in that area of lending, the 100% stated loans etc...well, you have the barriers to entry and you have consumers with no where to turn...thus Anti-trust issues could easily bne argued piker. In the end you can list for us the lenders who will give conventional financing at 100% stated income?????? We will wait for you to show us your knowledge, but you are very suspect for even chiming in with that Countrywide dribble...The scumbags who make policy do not enforce it.. Do you want to talk about Quality Control issues and reports? Sorry, but they fired a branch manager 2 months after being hired to head a new branch in SoCal, but the point here is that the consumers are at a discadvantage and have no competition when it comes to the 100% stated and other loans..FACT I worked at Wells and another top 5 lender as a top 20 producer nationally, you can go try to process something..but you have no clue as to what the consumer can go get in a loan apparently. I will mark your post up to a new naive employee at CFC..the scum of all lenders!!!! Date: Sat 03/3/07 1:58AM From: anti-trust, silly piker   From:  San Francisco Message: Now tell me piker, when you have a good job, good credit, etc etc as you point out, tell me what lender will offer you 100% stated income loans? Countrwide is one...next??? not the subprime people, that is 3 points you pay upfront. So when a consumer has no down payment and the only lender who can provide such lending says they can and will fund it, then they don't or can't at last minute, what is the borrower to do? They cannot go to another lender to get the laon without the 3 points to pay, and on $500k home it is $15k you must come up with, when you know you needed 100% because you didn't have the money to start with, SO, you have to do as they wish, fund it late, tough, fund it with the rate and pionts not as agreed on GFE, TOUGH!!!! The realtors and borrowers know the answer... the person that is in the dark is this lonely current CFC employee who has not had to deal with them yet obviously...nor has a idea about the industry themselves... Piker world. I knew I would bring out some weak comments and so far so true...try again piker, your company sucks bad, criminal scum if you aske me, right up to Mozilo and Kurland. Try to bring something of substance back with you if you can...stated there are criteria for Freddie and Fannie means little if only one lender lends those types of loans...silly non thinkers, you included. Date: Sat 03/3/07 1:59AM From: more nonesense   From:  cfc pikers are proof of the scum there Message: So, tell us about stated income loans at 100%. Home many conventional lenders lend at 100% stated? Option Arms Stated...DU, you silly is just desktop underwtiting, tell us what that has to do with anothe lender offering same product types? Why won't Wells do 100% stated? Wamu? BoA? Chase? Look, if yuou are a underwriter, you know only what you have been washed to know.. Tell me what QC Audits are and how they work with HUD? Note: Lnders do not have to report internal deficincies, they only have to have a sytem in place etc.... Would you, as an employee of Cwide, want the true QC reports to be in the public? If you are so brave and so sure I am "dead wrong" state your name and department and we will call you a s witness in our litigation. Something tells me you will post some blah blah and not back up a thing....shoo away unless you want to step up witrh some logic, not CFC nonsense the world gets...scumabg. Date: Sat 03/3/07 1:59AM From:   From:  PASADENA Message: A MESSAGE FROM A COUNTRYWIDE INSIDER YOU DON'T KNOW HOW IT FEELS TO GET SCREWED BY A MORTGAGE LENDER YOU WORK FOR. I AM A LOAN OFFICER THAT GOT SCREWED TAKING OUT AN EMPLOYEE HOME LOAN. COUNTRYWIDE HAS BEEN MOVING ITS SALES CENTERS OUTSIDE CALIFORNIA BECAUSE OF TOUGH LABOR LAWS IN CALIFORNIA. I HAD ACCEPTED A RELOCATION PACKAGE BECAUSE OF THE INSTABILITY OF THE SALES CENTERS IN CALIFORNIA. PER MY RELOCATION PACKAGE, COUNTRYWIDE WILL PAY PART OF MY CLOSING COST BUT SINCE MY SELLER CARRIED MY CLOSING COST, I DID NOT GET REIMBURSED. MY LOAN OFFICER LIED TO ME. I WAS ALSO FORCED TO TAKE A COUNTRYWIDE LOAN AS THE ONLY REASON I CAN BE ALLOWED TO USE OTHER LENDERS IS IF I GET TURNED DOWN BY COUNTRYWIDE. THE RESOLUTION I GOT FROM THE EMPLOYEE LOAN DIVISION WAS "MY LOAN WAS DONE THE WAY IT WAS DONE" BECAUSE I DID NOT HAVE MONEY TO CLOSE THE LOAN. I SENT THEM MY BANK STATEMENT AS PROOF THAT I HAD MONEY IN MY ACCOUNT AT THE TIME OF CLOSING AS I HAD JUST TAKEN OUT A HOME EQUITY LINE OF CREDIT FROM MY PROPERTY IN CALIFORNIA TO CUSHION ME DURING THE TRANSITION. NOTHING HAPPENED. THE WORST IS YET TO COME. TWO MONTHS LATER, I GOT A NOTICE OF FORECLOSURE. THEY HAD BEEN POSTING MY PAYMENT INCORRECTLY. I CALLED CUSTOMER SERVICE. I WAS INFORMED THEY WERE GOING TO LOOK INTO IT. I GOT 3 NOTICES OF DEFAULT DURING THIS WHOLE PROCESS. I CALLED THE OFFICE OF THE PRESIDENT FOR FULL SPECTRUM AND OFFICE OF THE PRESIDENT FOR COUNTRYWIDE. IT TOOK ME 3 MONTHS TO GET THE ISSUE RESOLVED. AFTER MY LOAN CLOSED AND FUNDED, I GOT A CALL FROM THE TITLE CO. ASKING ME FOR MORE MONEY AND RE-SIGN THE FINAL SETTLEMENT STATEMENT BECAUSE COUNTRYWIDE MADE A MISTAKE ON CALCULATING THE FEES. I HAD A CLEAN BILL OF HEALTH WHEN I LEFT CALIFORNIA A YEAR AGO. WHILE I WAS GOING THROUGH THE HORRORS OF MY LOAN WITH COUNTRYWIDE, I HAD BEEN ADMITTED TO THE EMERGENCY ROOM TWICE FOR HIGH BLOOD PRESSURE. I'M STILL ACTIVELY EMPLOYED, BUT I'VE HAD SO MUCH BAD EXPERIENCE WITH THIS COMPANY IN THE PAST YEAR THAT I AM CONSIDERING TERMINATING MY EMPLOYMENT. I AM SORRY FOR WHAT YOU GUYS HAD BEEN THROUGH. Date: Sat 03/3/07 2:00AM From: Paula  From:  Escondido Message: Hello, My original loan was purchased by CW. I have been with them now for just over 2 yrs. I have have the worst customer service I have ever seen with them. I worked for a very large mortgage company and can not believe these people at CW get away with treating people the way they do. I was having difficulity and was a payment behind. I had to make 2 payments to catch up and they wanted it made through western union. I made those to payments and another the following month, all through western union. The next month I received a letter from Western Union saying that my payments were rejected. When I called CW every day at least 2 times a day and was continuously told that I needed to call this number or that number. I finely got through and the woman told me she saw that I had called about 10 times in the last week. I told her every day I couldn't get through was another day late and I needed help now! They said they wanted December's payment also. December's payment was not even due yet. The started forclousure proceedings against me and I had to come up with another 1,600 dollars for legal fees. They also made me 120 days late on one payment because of rejecting my payments and I now have to wait a whole yr to refinance if I want to get decent interest rates. When I called to ask it that could be reversed they refused. Yes...I will never do business with CW again and I tell everyone I know to stay as far from them as possible! Date: Sat 03/3/07 2:01AM From: Kevin   From:  Arcadia Message: TRUE STORY BEHIND COUNTRYWIDE HOME LOANS!!!! MUST READ!!! I just refi with countrywide home loans. Some guy call me about 1 month ago and told me that i qualify for a refinance. I wasn't looking into it because i have an adjustable rate that wasn't going to change until next year but he said it was a good time to get into a fixed rate. Not shopping around I said ok and let the guy put something together. He call me back with a 30 year fixed program at 5.75%. I told him that I would think about it and he did not push me to doing the loan. I decided to shop around and found a few brokers who would offer me a 5.5% and 0 points. I was about to go with the broker, but when I asked who was my lender, the guy could not say and gave me some lame excuse. The guy from Countrywide explained to me that I was getting the best rate plus they charge me no origination fee, only discount points which was used to buy down the rate. I would definitely agree that COUNTRYWIDE DOES NOT HAVE THE BEST RATES but they do provide good service and I am happy to say my experience with countrywide has been a very pleasant one. Date: Sat 03/3/07 2:02AM From:   From:  Message: Jokers who try to stick up for the Company are shameful. The 41k employees has alot of unhappy ones, big time. The company is a bunch of criminals relying on the Legal Department to hard ball you away. A loan that funds with a difference of a 1/8-1/4 pt is a joke to bring up. Cwide charges more because other lender cannot offer the same loans in the conventional market if you are an ex employee in california , please contact me for information on how to contact the proper agencies and consel. The Company is well aware of serious deficinies with loans and I would say allmost all the loans are not properrtly disclosed. The Companmy will crush anyone who complains, or at least try to crysh them. countrywidecompliants@yahoo.com if you are from California and have been employed or cureently emplyed and feel they have pay issues or been violated. Date: Sat 03/3/07 2:02AM From: Sheila  From:  Redwood Message: There are no walls to the executive emails. There is a path you must take to show the organizational involvement vs. the branch manager being rogue. As an ex-EHLC and a top producer nationally, I know the scum that comes out when you contact HR or Hotline. Please note to all current and past employees, there is nothing that you agreed upon that says you must do what someone at HR says, unless it is lawful etc. there is nothing that says you must do anything they say or want you to do. Furthermore, if there is a serious prblem IN YOUR EYES, go to the General Counsel of the Company and document all dealing with personal notes or emails to them. One thing for sure is the internal policies for bringing the Company to the attention of these actions. Although they do ignore, these types of correspondence is very very revealing and in the public eye and agencies eyes it shows the top level did or should have knowledge of it. Look at the CEO on down and you will find and very big Goliath of a legal department that counts on the employees and customers to shoo away or come up with big $'s to pursue suits. If there is fraud, compliance issues or ethics violations, contact and file with the Department of Corporations in sacramento. List violations possible. Countrywide is the only Company in the the Lending industry that is not a bank. That means they are regulated by dep of Corp and that the Company can have its license pulled in the state. This is something that happened to Wells and other lender, but due to the Bank aspect, the Feds came in and said Dept of Corp could not take the license away. Countrywide will be held accountable for these actions if you place it the DoC, and they will audit the hell out of them..scarey scarey knowing this Company. Cut too many corners trying to be #1. Date: Sat 03/3/07 2:03AM From: DWilson  From:  rosamond Message: I must admit, I've had a change in opinion at CWF. I've been a customer with CW for the past 8 years. They were not my original lender. However, I decided to refinance and initially had gone ALL the way with another lender (except sign final papers) until I was contacted by CW. They told me they could offer me a better rate than the other lender and to inform this lender that I changed my mind for I'd been given a btter rate. Well, the other lender was p'od because I had gone through all the rigors and was at the final stage when I pulled out. Well, that was 45 days ago and my refinance loan with CW still hasn't closed. The appraiser sent admitted he wasn't the actual appraiser and was a stand-in who turned in a appraisal 30,000 than the appraiser I had received from the other lender. After checking the comps in the area (all within the range of what the appraisal of the other lender) CW was aware that the appraisal was incorrect and would not -- I repeat --WOULD NOT order a reappraisal. Instead they went with this "admittingly bogus" appraiser 120 miles out of the area. I called their corporate office this morning, to no avail. I perturbed because I had everything done and finalized with the other lender and I pulled out! My holiday has been thoroughly messed up thanks to them. Date: Sat 03/3/07 2:03AM From: CJ  From:  Pasadena Message: Wilson - That's part of Countrywide's strategic plan. You have to use their appraisers. They also make you use their title and escorw company if you dont put your foot down and ask for a different company. These affiliated business arrangements companies start with the name "landsafe". Landsafe appraisers are not independant because if they come in high too much they dont get any more appraisals to do. One secret Countrywide doesn't want you to know is if you sign closing papers and then recind the loan during the 3 day recision period YOU CAN DEMAND YOUR DEPOSIT BACK! But only if you sign closing docs and then recind the loan. Simply canceling will not get your deposit back. Be sure to send a registered mail return rec't notice during the 3 day recision period to both the closer and lender. Sorry you got screwed. Countrywide typically foot drags on getting payoff information to other lenders that are refinancing a current Countrywide loan. They then sick their telemarketers on you to try to give you a competitive bid to refinance you into another Countrywide loan. They also give the tap dance about how great a company they are and wouldn't it be great to stay with them. Other brokers can typically beat Countrywides offers left and right. Why does Countrywide charge more? Because they believe their own crap doesn't smell and thet people will believe in it so much they will buy into it too. Wilson hope this help. Lets get the word out on this. Date: Sat 03/3/07 2:03AM From:   From:  Oakland Message: Countrywide regularly discriminates against minority borrowers especially African/American and Hispanic borrowers. How can that be so when they offer their lip service House America loans? Because if you compare the number of loan applications for minority vs white and then see the disparity in the numbers for minority loans denied or shunted off to high cost Full Spectrum Lending loans then you’ll see the pattern emerging. Compare loan processing times for both groups and you’ll see that Countrywide simply does not take as good care for their minority borrowers. The numbers speak for themselves. Inner city loans are just not processed with the same urgency as loans in Santa Barbara. If you feel you have been discriminated against in applying for a loan or the processing of your Countrywide Home Loan then contact your local Inspector General’s Office for the Dept of Housing & Urban Development (HUD) Date: Sat 03/3/07 2:04AM From:   From:  los angeles Message: Hi there! Guess what, I've been laid off by Countrywide, so what I'm going to say may come as a shock. I am so sick and tired of hearing about how "this or that company discriminates against minorities".. what a crock. Let me tell you all something: To the people processing your loans, you are just a number. Another loan. Higher loans approved mean higher bonuses. End of story. Processors want to get your loan finished and done with. MANY OF THE PEOPLE PROCESSING YOUR LOANS ARE MINORITIES THEMSELVES!!!! For Christ's sake, does everyone believe that all companies simply have a big room full of fat white men in them with hoods on??? You all make it seem like there's someone handing out memos saying "SLOW DOWN THE MEXICAN LOANS" or "DECLINE THE BLACK LOANS". Give me a frickin BREAK! I read something here about how loans in Santa Barbara are approved faster than in the inner city. Absolutely this is true. For ONE, in many cases, you have a language barrier with minorities. It's not (Insert Company Name)'s fault that some of their borrowers don't understand what's required to process a loan. Too bad. Learn the language. Secondly, what financial sense does it make to not give minorities a loan? They'll go to the competition. NEWS FLASH TO ALL OF YOU RACE-CARD PLAYERS: A COMPANY, EVEN IF COMPLETELY PREDJUDICED, WOULD RATHER HAVE YOUR BUSINESS THAN TO GIVE YOUR BUSINESS TO THEIR COMPETITOR. Let's just face it: In *general*, minorites have a)less income, b)less understanding of English, c)live in lower valued homes. ALL of these factors, when combined can make processing a loan difficult, and (watch out - non PC comment comming!) will lead to fewer loans getting approved. So, stop your race card playing. It just doesn't work. There are logical reasons to why minorities are approved less often, why their homes are valued less, and why they make less than average money. If you were to compare apples to apples, you'd see this is true. Mr. Sanchez in Santa Barbara will get just as quickly processed as Mr. Smith. The same Mr. Sanchez & Mr. Smith will more than likely slow down for a loan done in Compton. I'm not a racist. So I can confidently say that after working in the mortgage industry for several years, I've found that these "X company hates X race" arguments are complete loads of crap. Maybe Countrywide does suck, but please, try to be a little bit logical before playing the race card. America has had enough of it. Date: Sat 03/3/07 2:05AM From:   From:  Los Angeles Message: There are so many problems with this company its amazing its still afloat. Here's some of their current woes: 1. They have antiquated systems. Their current operating backbone was constructed in the 1970's, and little to no documentation remains on how it was put together. This means that you can't change the computer system because it will either collapse or start throwing errors left and right. They resolution? Get business analysts to take out the incorrect data, work on it, fix it and re-insert the corrected numbers back in. This is what's done whenever there's a change in the law for instance. 2. This is only a 30 year old company, so alot of its "senior" management is fairly young. This means that they aren't going anywhere, they're compensated extremely well. So new talent is identified as a possible "threat" and is made to go elsewhere, just in case he/she threatens anyone's job. What has been created is a mass of "yes-men" that prevent bad news or real issues from floating to high up the management ladder. 3. Useless titles and "one-employee" vice presidents are normal here. Whereas most other corporations in the country have downsized their structures, Countrywide goes on with its ancient model. Back in the 1990's most companies wanted to shrink their corporate structures in order to improve communication within the company and get rid of titles for people who didn't need them. This never happened here. What Countywide needs as an organization is for somebody to come along and buy it and clobber it into shape. 4. Automatic payments. Did you know that when you sign up for Countrywide's automatic payment option where they just debit your bank account for each monthly payment, you pay a $10 service fee per payment? Did you know they make millions per year doing this? And it doesn't cost them anything to do it, its just another "nothing" fee you're paying. I recommend you cancel this option and just arrange for an automatic payment to be issued by your bank instead. 5. Did you know that until recently, the company's turn over in employees was 60%! That explains why you can't ever talk to the same person there. It has dropped since that high, but its still a problem. 6. Talking about appraisal fee's. Did you know that the actual current appraisal fee (depending upon area and complexity of the report of course) is $350 for a standard home. However, if you go through the company's sub-prime lender, you may have to pay an additional $200 for a "desk top" review? Watch what you're being charged for and ask why, and reject to pay this automatic "no-service-for-pay" fees!! 7. Did you know that fraud and unethical behavior is going rampant throughout the company! This news doesn't make it to the papers but dozens of branch managers and loan agents have and are currently being dismissed for fraud and unethical behavior. They have had to stop doing certain loan types because of the high percentage of default noted by the investors (Fannie Mae for instance). The company has had to buy back all those loans that have been identified by the investors as having fraud. Before they saw it as a "cost of doing business" since they were raking in the fees up front, but now its turned out to be too expensive so they've had to stop making those questionable loans. 8. Watch out for those "Good Faith Estimates" you get from anyone at this company. They often deflate fees and costs in order to stay competitive with the competition. Have NO DOUBT ABOUT IT, COUNTRYWIDE'S RATES ARE HIGHER than the competitions!! 9. Last year the company was almost bought out by somebody else. Hope that this happens so that this company disappears!!!!! Date: Sat 03/3/07 2:05AM From:   From:  Rosemead Message: Countrywide defrauds borrowers. It's their policy to charge all borrowers for a 3-bureau credit report even though it is their standard operating procedure to only pull a single experian credit report as much as possible. Often time the middle score of a tri-merge credit report is higher than the single Experian bureau score. Lower credit scores mean higher profits for Countrywide due to higher interest rates or a sub prime Full Spectrum loan. Employees that pull tri-merge credit reports are reprimanded without permission. There is a simple paper trail to confirm this as all loan-closing docs are usually scanned into their archive. How many loans have been charged for tri-merge credit reports while only pulling a single bureau through their company owned Landsafe Credit? Hundreds of thousands of borrowers would be an accurate estimate and this has been going on for years. Countrywide is a financial services company. You have to use their preferred providers. Borrower has no idea that they can use the Title and Escrow Company of their own choice since they never get advised so. Using Landsafe is a cash cow for CFC and employees are mandated to cross sell Landsafe though memos handed down from Brian Hale. Date: Sat 03/3/07 2:06AM From:   From:  California Message: Countrywide is a PREDATORY LENDER. They solicit their own elderly and disabled borrowers on fixed incomes who currently have a nice low interest, fixed rate mortgage, and bait them with the sales line that they can reduce their monthly payment by maybe $50 to $100 a month with a fixed period ARM or Pay Option ARM. To these elderly borrowers, some who have diminished mental capabilities, who are payment and budget sensitive, this extra money for their budget seems good on the surface. Nevermind that the closing costs rolled into the new loan will take years to recapture if ever. Nevermind that the loan goes fully adjustable in as little as one month or a period of months. Nevermind that the new ARM probably has a prepayment penalty clause. Talk about pulling the rug out from under these payment sensitive borrowers. It would make more sense to get a small, no closing cost, home equity loan and draw out that extra $50 or $100 a month of their equity to make up the budget difference. There's more profit for Countrywide by doing the full refinance. All those affiliate companies from Landsafe credit, appraisal, title, and escrow pump a lot of money into the company, not to mention the 3 point pricing profit that’s hidden on the backside through their higher rates, compared to what is readily available on the open market. What do you call a company who refinances their own customer and they already have just recently refinanced them in the last 24 months or less. MORTGAGE CHURNING Date: Sat 03/3/07 2:06AM From:   From:  Fresno Message: This is in response to my 1/28 comment. Sorry, so late. By the way, I love this website. It's been almost therapuetic to me. Countrywide doesn't care about customers or quality. They let the entire shithole get run by cocksucking pions who run the place like a fucking mob instead of a professional business (It must be their Italian roots). I should know, I've been there and trust me Countrywide is not a company that is afraid to ruin lives. Although there are some decent people working there, they are far outnumbered and subdued by the rest of the assholes. I'm not going to release names but I can offer some tips on how to fight off this predatory lender. First of all, if your loan is with Countrywide then you need to refinance and have them place a term, in your contract, that stipulates that your loan will NEVER be sold, transferred, or serviced by Countryide. We must ban all Countrywide and CHL affiliated products and services. We can also hit their wholesale lending division, by having independant brokers and mortgage companies cut off Countrywide from their list of lenders. Date: Sat 03/3/07 2:07AM From:   From:  CALABASAS Message: SERIOUS NOTICE- I AM A CURRENT EMPLOYEE AND KNOW WHAT IS MAKING THE LEGAL AREA CRINGE. COUNTRYWIDE HAS BOUGHT PROPERTY AND LAND IN TEXAS AND FLORIDA DUE TO THE LOSE LABOR LAWS IN THOSE STATES, BUT THE MAIN REASON IS THE FACT THAT COUNTRWYDIE HAS AND WILL CONTINUE TO BE FINED AND FORCED TO SETTLE LABOR VIOLATIONS LIKE THE OVERTIME $30MIL SETTLEMENT FOR OVERTIME AND OTHER VIOLATIONS IN ROSEMEAD CALL CENTER. NOW THE SERIOUS NATURE OF THE COMPANIES CRIMINAL ACTIVITIES AND THE POSIBLE RECOURSE: COUNTRYWIDE IS CLOSE TO BEING HIT WITH ANOTHER OVERTIME CLASS ACTION CLAIM IN CALIFORNIA, BUT THIS TIME IT WILL COST THE COMPANY $1BIL+ BY THE TIME IT IS OVER, THE FACTS ARE AS FOLLOWS: COUNTRYWIDE DESIGNATES ITS "HOME LOAN CONSULTANTS, BOTH EXTERNAL AND INTERNAL, AS EXEMPT, STATING TO THE GOVERNMENT THAT THESE EMPLOYEES SPEND 50% OR MORE OF THEIR TIME IN THE FEILD, WHICH IS JUST NOT THE CASE. IN FACT, OF THE ESTIMATED HOME LOAN CONSULTANTS, 15K OF THEM, WILL BE OWED TIME AND A HALF FOR EVERY HOUR WORKED OVER 40 HOURS A WEEK. THE CATCH IS THAT IT IS NOT AT THE RATE OF THE ROSEMEAD CALL CENTER EMPLOYEES WHO MAKE $10 AN HOUR, IT WILL BE AT THE RATE OF THE EHLC INDIVIDUAL INCOME....HERE IS HOW SCAREY THE MATH IS.. A COMPANY HOME LOAN CONSULTANT WHO MAKES $200K ANNUALLY AND WORKS FROM THE OFFICE MORE THAN 50% OF THE TIME WOULD BE OWED ALMOST $144 FOR EVERY OVERTIME HOUR WORKED. TAKE THE FACT THAT ALMOST ALL HLC'S FOR THE COMPANY WORK 55+ HOURS WEEKLY FOR TWO YEARS WOULD BE OWED...104 MONTHS (2YEARS) X'S 15 HOURS X'S $144 (TIME AND A HALF RATE) ='S $224,640!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! NOW MULTIPLY IT OVER 15,000 CLASS ACTION EMPLOYEES WHO WERE RIPPED OFF BY THIS COMPANY AND THE MATH WILL SHOW YOU HOW MUCH MONEY THE COMPANY MADE AT THE EXPENSE OF THE HARD WORKING LOWER EMPLOYEES... THE COMPANIES $30MIL SETTLEMENT WAS NOTHING, THIS WILL BE CLOSE TO $1BIL IF THEY DO NOT TAKE CARE IF THESE ISSUES AND ALLOW JUST ONE EMPLOYEE TO FILE IN CALIFORNIA COURTS, THE COMPANY KNOWS THAT THIS IS NOT ARBITRATION, THIS IS LABOR LAWS THEY BREAK AS A MATTER OF OPERATIONS. TICKING TIMEBOMB AND THE COMPANY MAKE BILLIONS OF $'S OF THE VIOLATIONS OF OVERTIME LAWS!!!!!!!! IF YOU WERE A PAST LOAN CONSULTANT PLEASE CONTACT US A COUNTRYWIDECOMPLINTS@YAHOO.COM AND START LINING UP FOR THE OVERIMTE CRUSHING OF THESE CRIMINALS. Date: Sat 03/3/07 2:07AM From: Billy  From:  Message: THEY TOLD US THAT OUR REFI ON 2 PROPERTIES WOULD CLOSE IN 1.5 WEEKS. THE UNDERWRITER TOLD US THAT WE DID NOT NEED TO MAKE A MTG PAYMENT. 3.5 WEEKS LATER, AFTER BEING IGNORED, WE WERE DENIED DUE TO MY HUSBAND WOORKING FOR THE GOV AND THE INABILITY TO DIRECTLY CONTACT HIS EMPLOYER. THEY HAD BEEN SENT 20 YRS OF PAYCHECK STUBS. WE THAN WERE MARKED AS BEING LATE 60 DAYS ON A PAYMENT, OUR CREDIT SCORE DROPPED, AND THEY REFUSE TO HELP WITH ANY PAYMENT ARRANGEMENTS.TODAY I RECEIVE A LETTER STATING THAT OUR NEXT MTG PAYMENT WILL BE PUT INTO A FUND FOR CURRENT AND FUTURE LATE FEES. THEY SUCK BEYOND SUCK Date: Tue 03/6/07 9:40PM From: Eric Weiss Message: I got a loan from them in 2006 at the Sacramento office. It has been a disaster from day 1. Totally incompetent buffoons who only care about feeding their greed. They gave me misleading information and it has cost me thousands of dollars. The sales manager Art Tate is a complete jerk, he was treating me like a king before the sale but as soon as the ink was dry he won't return my calls or address my concerns. Date: Fri 03/16/07 1:51PM From: English! Message: As an aside to all of this, CW tried to rule mortgages in Europe via its subsiduary 'Globalhomeloans' in England - that is until the entire contract was pulled in Nov 2005. The arrogance along the way was unebeliveable - if they had truly consulted the staff in the UK they may have learnt some thing stateside! I bet the costs of this disaster (mega mega bucks)this was well hidden away in the accounts. Date: Mon 03/19/07 4:37PM From: Kim D Message: We refinanced our home in Oct 2006 with Countrywide Full Spec. We were already Countrywide customers. The 2 loan officers were not experienced, and unprofessional from the start. They charged us excessive fees in the tune of $26,000. When we brought to the managers attention that these fees & bullcrap charges & loan terms were never disclosed to us in Jan 07 they provided us with doc**ents that were forged. YIKES!!. We have filed complaints with: Dept of Corp,RESPA,HUD,FTC,BBB,Dept of Real Estate,Attorney Generals Office,Gov of Calif, and COuntrywides Fraud Dept. In addition have also filed a Police Report with our local PD all for forgery. The employees were either let go or fired a few months back. We are making headway and should be reimbursed our money for the "fees" soon. The forgery is a whole seperate issue.. This has been a major hardship for our family. For us it has been a full time job of writing letters, and making phone calls. Date: Tue 03/27/07 12:58AM 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: Wed 03/28/07 3:17AM From: Candice Message: My husband and I thought about using Countrywide towards our new home, but changed our minds after reading all these horrible and scary stories. Seriously, someone should go on T.V. and expose Countrywide.. There used to be this T.V. show that you can call them and they will come out and broadcast it on T.V. 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href='http://www.al9ssio.org/vagina'> vagina </a> Date: Tue 04/10/07 4:51PM From: David Bell Message: FIRST, let me say this site is the very best way to deal with the fraud and questionable business practices being committed by Countrywide Home Loans against its una**uming customers. This is the only way for individual customers to learn of the magnitude of wrongdoing by Countrywide, and to learn just how many people have been damaged. SECOND, it is imperative that everyone who has been damaged by Countrywide’s fraud and/or dishonest business practices, should file a complaint with the Federal Trade Commission, 600 Pennsylvania Ave. N/W, Washington, DC 20580. You can fill out a complaint form online at www.ftc.gov/ftc/businessinfo/customer.ht m. The FTC does not resolve individual complaints, however they will investigate a company for repeated complaints related to improper business practices or fraud. If everyone who posted a complaint on this site would file a complaint with the FTC, I’m sure that would trigger a formal investigation against Countrywide Home Loans. NOW...MY STORY: I refinanced three of my rental properties through Countrywide Home Loans in 2004. After about a year I noticed Countrywide began billing me for more than my payment amounts. In one case, Countrywide had purchased two insurance policies for a single house which depleted my escrow account on that loan. Because of their mistake they raised my monthly payment by $200. On another loan, Countrywide fraudulently raised my property tax bill from $151 to $1843.94 , then raised my payment from $179.29 to $477.77. When I made my monthly payments, I would mail three checks in one envelope to make all three loan payments were received at the same time. Even though I did this, Countrywide would credit one loan with a timely payment, then show the other two loans were paid late and charge a late fee. I tried for many months to get these problems resolved, but the harder I tried the more difficult Countrywide made it. In August 2005 I learned that Countrywide had reported that I had made late payments on two of my loans which ruined my credit. Although I continued to make payments, Countrywide filed suit to foreclose on one of my properties. I filed a counter suit and got a judgment against Countrywide for $556,000. Countrywide then filed suit to foreclose on my other two properties, so I have now turned the matter over to a wonderful attorney who specializes in lender liability cases. Countrywide Home Loans certainly has questionable business practices, but because they have become so large it is difficult to get sufficient information to drag them into court. I welcome all information and comments from past or present Countrywide customers who have been damaged by their business practice. My email address is oneoutback@comcast.net. I will update this message as the court proceedings move along. Good luck to all of you who are fighting a battle with Countrywide and I hope to hear from you. Date: Tue 04/10/07 6:00PM From: Klementio Message: [URL=http://www.al9ssio.org/silver] silver [/URL] <a href='http://www.al9ssio.org/silver'> silver </a> [URL=http://www.al9ssio.org/elisa] elisa [/URL] <a href='http://www.al9ssio.org/elisa'> elisa </a> [URL=http://www.al9ssio.org/socio] socio [/URL] <a href='http://www.al9ssio.org/socio'> socio </a> [URL=http://www.al9ssio.org/ria**unti] ria**unti [/URL] <a href='http://www.al9ssio.org/ria**unti'> ria**unti </a> [URL=http://www.al9ssio.org/navi] navi [/URL] <a href='http://www.al9ssio.org/navi'> navi </a> [URL=http://www.al9ssio.org/nero] nero [/URL] <a href='http://www.al9ssio.org/nero'> nero </a> [URL=http://www.al9ssio.org/java] java [/URL] <a href='http://www.al9ssio.org/java'> java </a> [URL=http://www.al9ssio.org/raffaele] raffaele [/URL] <a href='http://www.al9ssio.org/raffaele'> raffaele </a> [URL=http://www.al9ssio.org/popolari] popolari [/URL] <a href='http://www.al9ssio.org/popolari'> popolari </a> [URL=http://www.al9ssio.org/giacomo] giacomo [/URL] <a href='http://www.al9ssio.org/giacomo'> giacomo </a> [URL=http://www.al9ssio.org/bosco] bosco [/URL] <a href='http://www.al9ssio.org/bosco'> bosco </a> [URL=http://www.al9ssio.org/scolastici] scolastici [/URL] <a href='http://www.al9ssio.org/scolastici' > scolastici </a> [URL=http://www.al9ssio.org/formule] formule [/URL] <a href='http://www.al9ssio.org/formule'> formule </a> [URL=http://www.al9ssio.org/medical] medical [/URL] <a href='http://www.al9ssio.org/medical'> medical </a> [URL=http://www.al9ssio.org/security] security [/URL] <a href='http://www.al9ssio.org/security'> security </a> [URL=http://www.al9ssio.org/india] india [/URL] <a href='http://www.al9ssio.org/india'> india </a> [URL=http://www.al9ssio.org/ministero] ministero [/URL] <a href='http://www.al9ssio.org/ministero'> ministero </a> [URL=http://www.al9ssio.org/fenice] fenice [/URL] <a href='http://www.al9ssio.org/fenice'> fenice </a> [URL=http://www.al9ssio.org/immagini-di] immagini di [/URL] <a href='http://www.al9ssio.org/immagini-di '> immagini di </a> [URL=http://www.al9ssio.org/dirigenti] dirigenti [/URL] <a href='http://www.al9ssio.org/dirigenti'> dirigenti </a> [URL=http://www.al9ssio.org/crystal] crystal [/URL] <a href='http://www.al9ssio.org/crystal'> crystal </a> [URL=http://www.al9ssio.org/light] light [/URL] <a href='http://www.al9ssio.org/light'> light </a> [URL=http://www.al9ssio.org/mysql] mysql [/URL] <a href='http://www.al9ssio.org/mysql'> mysql </a> [URL=http://www.al9ssio.org/david] david [/URL] <a href='http://www.al9ssio.org/david'> david </a> [URL=http://www.al9ssio.org/creative] creative [/URL] <a href='http://www.al9ssio.org/creative'> creative </a> Date: Tue 04/10/07 7:26PM From: David Bell Message: FIRST, let me say this site is the very best way to deal with the fraud and questionable business practices being committed by Countrywide Home Loans against its una**uming customers. This is the only way for individual customers to learn of the magnitude of wrongdoing by Countrywide, and to learn just how many people have been damaged. SECOND, it is imperative that everyone who has been damaged by Countrywide’s fraud and/or dishonest business practices, should file a complaint with the Federal Trade Commission, 600 Pennsylvania Ave. N/W, Washington, DC 20580. You can fill out a complaint form online at www.ftc.gov/ftc/businessinfo/customer.ht m. The FTC does not resolve individual complaints, however they will investigate a company for repeated complaints related to improper business practices or fraud. If everyone who posted a complaint on this site would file a complaint with the FTC, I’m sure that would trigger a formal investigation against Countrywide Home Loans. NOW...MY STORY: I refinanced three of my rental properties through Countrywide Home Loans in 2004. After about a year I noticed Countrywide began billing me for more than my payment amounts. In one case, Countrywide had purchased two insurance policies for a single house which depleted my escrow account on that loan. Because of their mistake they raised my monthly payment by $200. On another loan, Countrywide fraudulently raised my property tax bill from $151 to $1843.94 , then raised my payment from $179.29 to $477.77. When I made my monthly payments, I would mail three checks in one envelope to make all three loan payments were received at the same time. Even though I did this, Countrywide would credit one loan with a timely payment, then show the other two loans were paid late and charge a late fee. I tried for many months to get these problems resolved, but the harder I tried the more difficult Countrywide made it. In August 2005 I learned that Countrywide had reported that I had made late payments on two of my loans which ruined my credit. Although I continued to make payments, Countrywide filed suit to foreclose on one of my properties. I filed a counter suit and got a judgment against Countrywide for $556,000. Countrywide then filed suit to foreclose on my other two properties, so I have now turned the matter over to a wonderful attorney who specializes in lender liability cases. Countrywide Home Loans certainly has questionable business practices, but because they have become so large it is difficult to get sufficient information to drag them into court. I welcome all information and comments from past or present Countrywide customers who have been damaged by their business practice. My email address is oneoutback@comcast.net. I will update this message as the court proceedings move along. Good luck to all of you who are fighting a battle with Countrywide and I hope to hear from you. Date: Wed 04/11/07 12:20AM From: Ionis Message: [URL=http://www.rpms90.org/economiche] economiche [/URL] <a href='http://www.rpms90.org/economiche'> economiche </a> [URL=http://www.rpms90.org/lola] lola [/URL] <a href='http://www.rpms90.org/lola'> lola </a> [URL=http://www.rpms90.org/emulator] emulator [/URL] <a href='http://www.rpms90.org/emulator'> emulator </a> [URL=http://www.rpms90.org/giovane] giovane [/URL] <a href='http://www.rpms90.org/giovane'> giovane </a> [URL=http://www.rpms90.org/paese] paese [/URL] <a href='http://www.rpms90.org/paese'> paese </a> [URL=http://www.rpms90.org/por] por [/URL] <a href='http://www.rpms90.org/por'> por </a> [URL=http://www.rpms90.org/invito] invito [/URL] <a href='http://www.rpms90.org/invito'> invito </a> [URL=http://www.rpms90.org/sanitaria] sanitaria [/URL] <a href='http://www.rpms90.org/sanitaria'> sanitaria </a> [URL=http://www.rpms90.org/colorare] colorare [/URL] <a href='http://www.rpms90.org/colorare'> colorare </a> [URL=http://www.rpms90.org/cards] cards [/URL] <a href='http://www.rpms90.org/cards'> cards </a> [URL=http://www.rpms90.org/peas] peas [/URL] <a href='http://www.rpms90.org/peas'> peas </a> [URL=http://www.rpms90.org/lavoratori] lavoratori [/URL] <a href='http://www.rpms90.org/lavoratori'> lavoratori </a> [URL=http://www.rpms90.org/campi] campi [/URL] <a href='http://www.rpms90.org/campi'> campi </a> [URL=http://www.rpms90.org/dividere] dividere [/URL] <a href='http://www.rpms90.org/dividere'> dividere </a> [URL=http://www.rpms90.org/podere] podere [/URL] <a href='http://www.rpms90.org/podere'> podere </a> [URL=http://www.rpms90.org/sagre] sagre [/URL] <a href='http://www.rpms90.org/sagre'> sagre </a> [URL=http://www.rpms90.org/giornata] giornata [/URL] <a href='http://www.rpms90.org/giornata'> giornata </a> [URL=http://www.rpms90.org/terza] terza [/URL] <a href='http://www.rpms90.org/terza'> terza </a> [URL=http://www.rpms90.org/airlines] airlines [/URL] <a href='http://www.rpms90.org/airlines'> airlines </a> [URL=http://www.rpms90.org/calore] calore [/URL] <a href='http://www.rpms90.org/calore'> calore </a> [URL=http://www.rpms90.org/secrets] secrets [/URL] <a href='http://www.rpms90.org/secrets'> secrets </a> [URL=http://www.rpms90.org/skins] skins [/URL] <a href='http://www.rpms90.org/skins'> skins </a> [URL=http://www.rpms90.org/nueva] nueva [/URL] <a href='http://www.rpms90.org/nueva'> nueva </a> [URL=http://www.rpms90.org/trovare] trovare [/URL] <a href='http://www.rpms90.org/trovare'> trovare </a> [URL=http://www.rpms90.org/ricevimenti] ricevimenti [/URL] <a href='http://www.rpms90.org/ricevimenti' > ricevimenti </a> Date: Wed 04/11/07 7:32AM From: David B. Message: FIRST, let me say this site is the very best way to deal with the fraud and questionable business practices being committed by Countrywide Home Loans against its una**uming customers. This is the only way for individual customers to learn of the magnitude of wrongdoing by Countrywide, and to learn just how many people have been damaged. SECOND, it is imperative that everyone who has been damaged by Countrywide’s fraud and/or dishonest business practices, should file a complaint with the Federal Trade Commission, 600 Pennsylvania Ave. N/W, Washington, DC 20580. You can fill out a complaint form online at www.ftc.gov/ftc/businessinfo/customer.ht m. The FTC does not resolve individual complaints, however they will investigate a company for repeated complaints related to improper business practices or fraud. If everyone who posted a complaint on this site would file a complaint with the FTC, I’m sure that would trigger a formal investigation against Countrywide Home Loans. NOW...MY STORY: I refinanced three of my rental properties through Countrywide Home Loans in 2004. After about a year I noticed Countrywide began billing me for more than my payment amounts. In one case, Countrywide had purchased two insurance policies for a single house which depleted my escrow account on that loan. Because of their mistake they raised my monthly payment by $200. On another loan, Countrywide fraudulently raised my property tax bill from $151 to $1843.94 , then raised my payment from $179.29 to $477.77. When I made my monthly payments, I would mail three checks in one envelope to make all three loan payments were received at the same time. Even though I did this, Countrywide would credit one loan with a timely payment, then show the other two loans were paid late and charge a late fee. I tried for many months to get these problems resolved, but the harder I tried the more difficult Countrywide made it. In August 2005 I learned that Countrywide had reported that I had made late payments on two of my loans which ruined my credit. Although I continued to make payments, Countrywide filed suit to foreclose on one of my properties. I filed a counter suit and got a judgment against Countrywide for $556,000. Countrywide then filed suit to foreclose on my other two properties, so I have now turned the matter over to a wonderful attorney who specializes in lender liability cases. Countrywide Home Loans certainly has questionable business practices, but because they have become so large it is difficult to get sufficient information to drag them into court. I welcome all information and comments from past or present Countrywide customers who have been damaged by their business practice. My email address is oneoutback@comcast.net. I will update this message as the court proceedings move along. Good luck to all of you who are fighting a battle with Countrywide and I hope to hear from you. Date: Wed 04/11/07 9:27AM From: George Message: [URL=http://www.rpms90.org/direttore] direttore [/URL] <a href='http://www.rpms90.org/direttore'> direttore </a> [URL=http://www.rpms90.org/vigilanza] vigilanza [/URL] <a href='http://www.rpms90.org/vigilanza'> vigilanza </a> [URL=http://www.rpms90.org/maria-santa] maria santa [/URL] <a href='http://www.rpms90.org/maria-santa' > maria santa </a> [URL=http://www.rpms90.org/perla] perla [/URL] <a href='http://www.rpms90.org/perla'> perla </a> [URL=http://www.rpms90.org/pixel] pixel [/URL] <a href='http://www.rpms90.org/pixel'> pixel </a> [URL=http://www.rpms90.org/called] called [/URL] <a href='http://www.rpms90.org/called'> called </a> [URL=http://www.rpms90.org/sharp] sharp [/URL] <a href='http://www.rpms90.org/sharp'> sharp </a> [URL=http://www.rpms90.org/cross] cross [/URL] <a href='http://www.rpms90.org/cross'> cross </a> [URL=http://www.rpms90.org/nice] nice [/URL] <a href='http://www.rpms90.org/nice'> nice </a> [URL=http://www.rpms90.org/cartine] cartine [/URL] <a href='http://www.rpms90.org/cartine'> cartine </a> [URL=http://www.rpms90.org/enciclopedia] enciclopedia [/URL] <a href='http://www.rpms90.org/enciclopedia '> enciclopedia </a> [URL=http://www.rpms90.org/ricostruzione ] ricostruzione [/URL] <a href='http://www.rpms90.org/ricostruzion e'> ricostruzione </a> [URL=http://www.rpms90.org/marcello] marcello [/URL] <a href='http://www.rpms90.org/marcello'> marcello </a> [URL=http://www.rpms90.org/torta] torta [/URL] <a href='http://www.rpms90.org/torta'> torta </a> [URL=http://www.rpms90.org/name] name [/URL] <a href='http://www.rpms90.org/name'> name </a> [URL=http://www.rpms90.org/anne] anne [/URL] <a href='http://www.rpms90.org/anne'> anne </a> [URL=http://www.rpms90.org/cuore] cuore [/URL] <a href='http://www.rpms90.org/cuore'> cuore </a> [URL=http://www.rpms90.org/books] books [/URL] <a href='http://www.rpms90.org/books'> books </a> [URL=http://www.rpms90.org/borse] borse [/URL] <a href='http://www.rpms90.org/borse'> borse </a> [URL=http://www.rpms90.org/londra] londra [/URL] <a href='http://www.rpms90.org/londra'> londra </a> [URL=http://www.rpms90.org/telecom] telecom [/URL] <a href='http://www.rpms90.org/telecom'> telecom </a> [URL=http://www.rpms90.org/chiusura] chiusura [/URL] <a href='http://www.rpms90.org/chiusura'> chiusura </a> [URL=http://www.rpms90.org/siracusa] siracusa [/URL] <a href='http://www.rpms90.org/siracusa'> siracusa </a> [URL=http://www.rpms90.org/check] check [/URL] <a href='http://www.rpms90.org/check'> check </a> [URL=http://www.rpms90.org/forum] forum [/URL] <a href='http://www.rpms90.org/forum'> forum </a> Date: Wed 04/11/07 11:21AM From: David Bell Message: FIRST, let me say this site is the very best way to deal with the fraud and questionable business practices being committed by Countrywide Home Loans against its una**uming customers. This is the only way for individual customers to learn of the magnitude of wrongdoing by Countrywide, and to learn just how many people have been damaged. SECOND, it is imperative that everyone who has been damaged by Countrywide’s fraud and/or dishonest business practices, should file a complaint with the Federal Trade Commission, 600 Pennsylvania Ave. N/W, Washington, DC 20580. You can fill out a complaint form online at www.ftc.gov/ftc/businessinfo/customer.ht m. The FTC does not resolve individual complaints, however they will investigate a company for repeated complaints related to improper business practices or fraud. If everyone who posted a complaint on this site would file a complaint with the FTC, I’m sure that would trigger a formal investigation against Countrywide Home Loans. NOW...MY STORY: I refinanced three of my rental properties through Countrywide Home Loans in 2004. After about a year I noticed Countrywide began billing me for more than my payment amounts. In one case, Countrywide had purchased two insurance policies for a single house which depleted my escrow account on that loan. Because of their mistake they raised my monthly payment by $200. On another loan, Countrywide fraudulently raised my property tax bill from $151 to $1843.94 , then raised my payment from $179.29 to $477.77. When I made my monthly payments, I would mail three checks in one envelope to make all three loan payments were received at the same time. Even though I did this, Countrywide would credit one loan with a timely payment, then show the other two loans were paid late and charge a late fee. I tried for many months to get these problems resolved, but the harder I tried the more difficult Countrywide made it. In August 2005 I learned that Countrywide had reported that I had made late payments on two of my loans which ruined my credit. Although I continued to make payments, Countrywide filed suit to foreclose on one of my properties. I filed a counter suit and got a judgment against Countrywide for $556,000. Countrywide then filed suit to foreclose on my other two properties, so I have now turned the matter over to a wonderful attorney who specializes in lender liability cases. Countrywide Home Loans certainly has questionable business practices, but because they have become so large it is difficult to get sufficient information to drag them into court. I welcome all information and comments from past or present Countrywide customers who have been damaged by their business practice. My email address is oneoutback@comcast.net. I will update this message as the court proceedings move along. Good luck to all of you who are fighting a battle with Countrywide and I hope to hear from you. Date: Wed 04/11/07 3:45PM From: Janni Message: [URL=http://www.rpms90.org/angelica-bell a] angelica bella [/URL] <a href='http://www.rpms90.org/angelica-bel la'> angelica bella </a> [URL=http://www.rpms90.org/feet] feet [/URL] <a href='http://www.rpms90.org/feet'> feet </a> [URL=http://www.rpms90.org/olbia] olbia [/URL] <a href='http://www.rpms90.org/olbia'> olbia </a> [URL=http://www.rpms90.org/mouse] mouse [/URL] <a href='http://www.rpms90.org/mouse'> mouse </a> [URL=http://www.rpms90.org/sede] sede [/URL] <a href='http://www.rpms90.org/sede'> sede </a> [URL=http://www.rpms90.org/rights] rights [/URL] <a href='http://www.rpms90.org/rights'> rights </a> [URL=http://www.rpms90.org/bike] bike [/URL] <a href='http://www.rpms90.org/bike'> bike </a> [URL=http://www.rpms90.org/dolls] dolls [/URL] <a href='http://www.rpms90.org/dolls'> dolls </a> [URL=http://www.rpms90.org/carmen] carmen [/URL] <a href='http://www.rpms90.org/carmen'> carmen </a> [URL=http://www.rpms90.org/a**egno] a**egno [/URL] <a href='http://www.rpms90.org/a**egno'> a**egno </a> [URL=http://www.rpms90.org/porte] porte [/URL] <a href='http://www.rpms90.org/porte'> porte </a> [URL=http://www.rpms90.org/training] training [/URL] <a href='http://www.rpms90.org/training'> training </a> [URL=http://www.rpms90.org/sostegno] sostegno [/URL] <a href='http://www.rpms90.org/sostegno'> sostegno </a> [URL=http://www.rpms90.org/roberta] roberta [/URL] <a href='http://www.rpms90.org/roberta'> roberta </a> [URL=http://www.rpms90.org/raffaello] raffaello [/URL] <a href='http://www.rpms90.org/raffaello'> raffaello </a> [URL=http://www.rpms90.org/2007] 2007 [/URL] <a href='http://www.rpms90.org/2007'> 2007 </a> [URL=http://www.rpms90.org/modellismo] modellismo [/URL] <a href='http://www.rpms90.org/modellismo'> modellismo </a> [URL=http://www.rpms90.org/periodo] periodo [/URL] <a href='http://www.rpms90.org/periodo'> periodo </a> [URL=http://www.rpms90.org/seno] seno [/URL] <a href='http://www.rpms90.org/seno'> seno </a> [URL=http://www.rpms90.org/virtual] virtual [/URL] <a href='http://www.rpms90.org/virtual'> virtual </a> [URL=http://www.rpms90.org/blocco] blocco [/URL] <a href='http://www.rpms90.org/blocco'> blocco </a> [URL=http://www.rpms90.org/michael] michael [/URL] <a href='http://www.rpms90.org/michael'> michael </a> [URL=http://www.rpms90.org/istat] istat [/URL] <a href='http://www.rpms90.org/istat'> istat </a> [URL=http://www.rpms90.org/campione] campione [/URL] <a href='http://www.rpms90.org/campione'> campione </a> [URL=http://www.rpms90.org/effetto] effetto [/URL] <a href='http://www.rpms90.org/effetto'> effetto </a> Date: Wed 04/11/07 4:38PM From: David Bell Message: FIRST, let me say this site is the very best way to deal with the fraud and questionable business practices being committed by Countrywide Home Loans against its una**uming customers. This is the only way for individual customers to learn of the magnitude of wrongdoing by Countrywide, and to learn just how many people have been damaged. SECOND, it is imperative that everyone who has been damaged by Countrywide’s fraud and/or dishonest business practices, should file a complaint with the Federal Trade Commission, 600 Pennsylvania Ave. N/W, Washington, DC 20580. You can fill out a complaint form online at www.ftc.gov/ftc/businessinfo/customer.ht m. The FTC does not resolve individual complaints, however they will investigate a company for repeated complaints related to improper business practices or fraud. If everyone who posted a complaint on this site would file a complaint with the FTC, I’m sure that would trigger a formal investigation against Countrywide Home Loans. NOW...MY STORY: I refinanced three of my rental properties through Countrywide Home Loans in 2004. After about a year I noticed Countrywide began billing me for more than my payment amounts. In one case, Countrywide had purchased two insurance policies for a single house which depleted my escrow account on that loan. Because of their mistake they raised my monthly payment by $200. On another loan, Countrywide fraudulently raised my property tax bill from $151 to $1843.94 , then raised my payment from $179.29 to $477.77. When I made my monthly payments, I would mail three checks in one envelope to make all three loan payments were received at the same time. Even though I did this, Countrywide would credit one loan with a timely payment, then show the other two loans were paid late and charge a late fee. I tried for many months to get these problems resolved, but the harder I tried the more difficult Countrywide made it. In August 2005 I learned that Countrywide had reported that I had made late payments on two of my loans which ruined my credit. Although I continued to make payments, Countrywide filed suit to foreclose on one of my properties. I filed a counter suit and got a judgment against Countrywide for $556,000. Countrywide then filed suit to foreclose on my other two properties, so I have now turned the matter over to a wonderful attorney who specializes in lender liability cases. Countrywide Home Loans certainly has questionable business practices, but because they have become so large it is difficult to get sufficient information to drag them into court. I welcome all information and comments from past or present Countrywide customers who have been damaged by their business practice. My email address is oneoutback@comcast.net. I will update this message as the court proceedings move along. Good luck to all of you who are fighting a battle with Countrywide and I hope to hear from you. Date: Wed 04/11/07 8:04PM From: Eveonn Keller Message: I purchased my home in 2004. I tried to refi it 2 years later through Countrywide, and it took them about 2 and a half months to not even give an answer. Then I noticed for the last year I've been getting about 5 telemarketing calls from Countrywide about refinancing. I have always told them for the last year that I wasn't interested in doing business with them ever again. I just went today to go purchase a brand new boat, and the company told me that I have over 10 credit checks from Countrywide in the last 1.5 years. I NEVER authorized 1 of these. Now this just made my credit look really bad. How can I complain about this? I think that this is so against the law. Especially that I never authorized them. My rate on my new boat loan is now going to be 3% higher than it should be. For every credit check, it lowers your credit score. Thanks a lot you big piece's of $hit..... Date: Wed 04/11/07 10:05PM From: John Message: [URL=http://www.rpms90.org/windows2000] windows2000 [/URL] <a href='http://www.rpms90.org/windows2000' > windows2000 </a> [URL=http://www.rpms90.org/canada] canada [/URL] <a href='http://www.rpms90.org/canada'> canada </a> [URL=http://www.rpms90.org/gomma] gomma [/URL] <a href='http://www.rpms90.org/gomma'> gomma </a> [URL=http://www.rpms90.org/italian] italian [/URL] <a href='http://www.rpms90.org/italian'> italian </a> [URL=http://www.rpms90.org/composizione] composizione [/URL] <a href='http://www.rpms90.org/composizione '> composizione </a> [URL=http://www.rpms90.org/vanessa] vanessa [/URL] <a href='http://www.rpms90.org/vanessa'> vanessa </a> [URL=http://www.rpms90.org/tony] tony [/URL] <a href='http://www.rpms90.org/tony'> tony </a> [URL=http://www.rpms90.org/nannini] nannini [/URL] <a href='http://www.rpms90.org/nannini'> nannini </a> [URL=http://www.rpms90.org/tradizioni] tradizioni [/URL] <a href='http://www.rpms90.org/tradizioni'> tradizioni </a> [URL=http://www.rpms90.org/fiscali] fiscali [/URL] <a href='http://www.rpms90.org/fiscali'> fiscali </a> [URL=http://www.rpms90.org/integrale] integrale [/URL] <a href='http://www.rpms90.org/integrale'> integrale </a> [URL=http://www.rpms90.org/ryan] ryan [/URL] <a href='http://www.rpms90.org/ryan'> ryan </a> [URL=http://www.rpms90.org/giulio] giulio [/URL] <a href='http://www.rpms90.org/giulio'> giulio </a> [URL=http://www.rpms90.org/acrobat] acrobat [/URL] <a href='http://www.rpms90.org/acrobat'> acrobat </a> [URL=http://www.rpms90.org/telecomunicaz ioni] telecomunicazioni [/URL] <a href='http://www.rpms90.org/telecomunica zioni'> telecomunicazioni </a> [URL=http://www.rpms90.org/form] form [/URL] <a href='http://www.rpms90.org/form'> form </a> [URL=http://www.rpms90.org/fiscale] fiscale [/URL] <a href='http://www.rpms90.org/fiscale'> fiscale </a> [URL=http://www.rpms90.org/sanitario] sanitario [/URL] <a href='http://www.rpms90.org/sanitario'> sanitario </a> [URL=http://www.rpms90.org/soundtrack] soundtrack [/URL] <a href='http://www.rpms90.org/soundtrack'> soundtrack </a> [URL=http://www.rpms90.org/band] band [/URL] <a href='http://www.rpms90.org/band'> band </a> [URL=http://www.rpms90.org/rapporti] rapporti [/URL] <a href='http://www.rpms90.org/rapporti'> rapporti </a> [URL=http://www.rpms90.org/municipale] municipale [/URL] <a href='http://www.rpms90.org/municipale'> municipale </a> [URL=http://www.rpms90.org/double] double [/URL] <a href='http://www.rpms90.org/double'> double </a> [URL=http://www.rpms90.org/missing] missing [/URL] <a href='http://www.rpms90.org/missing'> missing </a> [URL=http://www.rpms90.org/tours] tours [/URL] <a href='http://www.rpms90.org/tours'> tours </a> Date: Thu 04/12/07 4:28AM From: Diana Message: [URL=http://www.hgentay.org/atletica] atletica [/URL] <a href='http://www.hgentay.org/atletica'> atletica </a> [URL=http://www.hgentay.org/mule] mule [/URL] <a 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href='http://www.hgentay.org/aziendali'> aziendali </a> [URL=http://www.hgentay.org/dowload] dowload [/URL] <a href='http://www.hgentay.org/dowload'> dowload </a> [URL=http://www.hgentay.org/advertising] advertising [/URL] <a href='http://www.hgentay.org/advertising '> advertising </a> [URL=http://www.hgentay.org/maine] maine [/URL] <a href='http://www.hgentay.org/maine'> maine </a> [URL=http://www.hgentay.org/ecdl] ecdl [/URL] <a href='http://www.hgentay.org/ecdl'> ecdl </a> [URL=http://www.hgentay.org/proxy] proxy [/URL] <a href='http://www.hgentay.org/proxy'> proxy </a> [URL=http://www.hgentay.org/countries] countries [/URL] <a href='http://www.hgentay.org/countries'> countries </a> [URL=http://www.hgentay.org/americano] americano [/URL] <a href='http://www.hgentay.org/americano'> americano </a> [URL=http://www.hgentay.org/psicologi] psicologi [/URL] <a href='http://www.hgentay.org/psicologi'> psicologi </a> [URL=http://www.hgentay.org/scegliere] scegliere [/URL] <a href='http://www.hgentay.org/scegliere'> scegliere </a> [URL=http://www.hgentay.org/problem] problem [/URL] <a href='http://www.hgentay.org/problem'> problem </a> [URL=http://www.hgentay.org/jesolo] jesolo [/URL] <a href='http://www.hgentay.org/jesolo'> jesolo </a> [URL=http://www.hgentay.org/gold] gold [/URL] <a href='http://www.hgentay.org/gold'> gold </a> [URL=http://www.hgentay.org/amato] amato [/URL] <a href='http://www.hgentay.org/amato'> amato </a> [URL=http://www.hgentay.org/telefonico] telefonico [/URL] <a href='http://www.hgentay.org/telefonico' > telefonico </a> Date: Thu 04/12/07 10:04AM 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 10:51AM From: Jerry Message: [URL=http://www.hgentay.org/windows] windows [/URL] <a href='http://www.hgentay.org/windows'> windows </a> [URL=http://www.hgentay.org/reality] reality [/URL] <a href='http://www.hgentay.org/reality'> reality </a> [URL=http://www.hgentay.org/arianna] arianna [/URL] <a href='http://www.hgentay.org/arianna'> arianna </a> [URL=http://www.hgentay.org/sicurezza] sicurezza [/URL] <a href='http://www.hgentay.org/sicurezza'> sicurezza </a> [URL=http://www.hgentay.org/website] website [/URL] <a href='http://www.hgentay.org/website'> website </a> [URL=http://www.hgentay.org/active] active [/URL] <a href='http://www.hgentay.org/active'> active </a> [URL=http://www.hgentay.org/divx-dvd] divx dvd [/URL] <a href='http://www.hgentay.org/divx-dvd'> divx dvd </a> [URL=http://www.hgentay.org/cinese] cinese [/URL] <a href='http://www.hgentay.org/cinese'> cinese </a> [URL=http://www.hgentay.org/anello] anello [/URL] <a href='http://www.hgentay.org/anello'> anello </a> [URL=http://www.hgentay.org/poster] poster [/URL] <a href='http://www.hgentay.org/poster'> poster </a> [URL=http://www.hgentay.org/surf] surf [/URL] <a href='http://www.hgentay.org/surf'> surf </a> [URL=http://www.hgentay.org/prevenzione] prevenzione [/URL] <a href='http://www.hgentay.org/prevenzione '> prevenzione </a> [URL=http://www.hgentay.org/mania] mania [/URL] <a href='http://www.hgentay.org/mania'> mania </a> [URL=http://www.hgentay.org/affitto-appa rtamenti] affitto appartamenti [/URL] <a href='http://www.hgentay.org/affitto-app artamenti'> affitto appartamenti </a> [URL=http://www.hgentay.org/europei] europei [/URL] <a href='http://www.hgentay.org/europei'> europei </a> [URL=http://www.hgentay.org/backup] backup [/URL] <a href='http://www.hgentay.org/backup'> backup </a> [URL=http://www.hgentay.org/opposizione] opposizione [/URL] <a href='http://www.hgentay.org/opposizione '> opposizione </a> [URL=http://www.hgentay.org/call] call [/URL] <a href='http://www.hgentay.org/call'> call </a> [URL=http://www.hgentay.org/shell] shell [/URL] <a href='http://www.hgentay.org/shell'> shell </a> [URL=http://www.hgentay.org/cabs] cabs [/URL] <a href='http://www.hgentay.org/cabs'> cabs </a> [URL=http://www.hgentay.org/memory] memory [/URL] <a href='http://www.hgentay.org/memory'> memory </a> [URL=http://www.hgentay.org/canone] canone [/URL] <a href='http://www.hgentay.org/canone'> canone </a> [URL=http://www.hgentay.org/attrici] attrici [/URL] <a href='http://www.hgentay.org/attrici'> attrici </a> [URL=http://www.hgentay.org/questura] questura [/URL] <a href='http://www.hgentay.org/questura'> questura </a> [URL=http://www.hgentay.org/gatto] gatto [/URL] <a href='http://www.hgentay.org/gatto'> gatto </a> Date: Thu 04/12/07 12:09PM 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 5:21PM From: Antonio Message: [URL=http://www.hgentay.org/theater] theater [/URL] <a href='http://www.hgentay.org/theater'> theater </a> [URL=http://www.hgentay.org/tokyo] tokyo [/URL] <a href='http://www.hgentay.org/tokyo'> tokyo </a> [URL=http://www.hgentay.org/mazda] mazda [/URL] <a href='http://www.hgentay.org/mazda'> mazda </a> [URL=http://www.hgentay.org/big-tits] big tits [/URL] <a href='http://www.hgentay.org/big-tits'> big tits </a> [URL=http://www.hgentay.org/nicole] nicole [/URL] <a href='http://www.hgentay.org/nicole'> nicole </a> [URL=http://www.hgentay.org/child] child [/URL] <a href='http://www.hgentay.org/child'> child </a> [URL=http://www.hgentay.org/santa] santa [/URL] <a href='http://www.hgentay.org/santa'> santa </a> [URL=http://www.hgentay.org/mediaworld] mediaworld [/URL] <a href='http://www.hgentay.org/mediaworld' > mediaworld </a> [URL=http://www.hgentay.org/aree] aree [/URL] <a href='http://www.hgentay.org/aree'> aree </a> [URL=http://www.hgentay.org/protezione] protezione [/URL] <a href='http://www.hgentay.org/protezione' > protezione </a> [URL=http://www.hgentay.org/hardware] hardware [/URL] <a href='http://www.hgentay.org/hardware'> hardware </a> [URL=http://www.hgentay.org/savoia] savoia [/URL] <a href='http://www.hgentay.org/savoia'> savoia </a> [URL=http://www.hgentay.org/resources] resources [/URL] <a href='http://www.hgentay.org/resources'> resources </a> [URL=http://www.hgentay.org/linea] linea [/URL] <a href='http://www.hgentay.org/linea'> linea </a> [URL=http://www.hgentay.org/perdere] perdere [/URL] <a href='http://www.hgentay.org/perdere'> perdere </a> [URL=http://www.hgentay.org/teramo] teramo [/URL] <a href='http://www.hgentay.org/teramo'> teramo </a> [URL=http://www.hgentay.org/number] number [/URL] <a href='http://www.hgentay.org/number'> number </a> [URL=http://www.hgentay.org/piccola] piccola [/URL] <a href='http://www.hgentay.org/piccola'> piccola </a> [URL=http://www.hgentay.org/berlino] berlino [/URL] <a href='http://www.hgentay.org/berlino'> berlino </a> [URL=http://www.hgentay.org/living] living [/URL] <a href='http://www.hgentay.org/living'> living </a> [URL=http://www.hgentay.org/user] user [/URL] <a href='http://www.hgentay.org/user'> user </a> [URL=http://www.hgentay.org/finanziaria] finanziaria [/URL] <a href='http://www.hgentay.org/finanziaria '> finanziaria </a> [URL=http://www.hgentay.org/veronica] veronica [/URL] <a href='http://www.hgentay.org/veronica'> veronica </a> [URL=http://www.hgentay.org/just] just [/URL] <a href='http://www.hgentay.org/just'> just </a> [URL=http://www.hgentay.org/regolamento] regolamento [/URL] <a href='http://www.hgentay.org/regolamento '> regolamento </a> Date: Thu 04/12/07 6:41PM From: BJ Billy and George Message: Where do I start talking about this horrible company??? Well lets talk about how they rip you off when they offer you the offer letter. If you ever read the offer letter they mail you should notice that you are paid $2k for the first two months, $1500 the next month, and then they rip your legs off again by paying $1400 a month on while the idiotic Branch manager makes 5k a month. When you try to go to your TM or BM they are worthless pieces of crap who say they will answer your question in a minute, but they will never get back to you...cause they do not know the answer. The turnover rate is higher than mcdonalds with at least 4 people quitting per day. Every appraisal that gets done by landsafe is most likely going to appraise lower than the market value, so that the can charge the higher rate due to LTV. Our BM is named Tim Welch and is the dumbest person you will come across in your life. He is afraid to talk to the customers and will give you a script on what to say to the customers. When he second voices loans he tends to studder and the customer will start laughing. My ex-RVP is named Mark Jasper and he is equally dumb as Tim Welch. First of all he hara**es the females that work there which is not respectful at all. Then he sends threating emails saying that if you dont get any loans locked he was going to fire you. What a complete a**hole. The whole company is a complete fraud and those management a**holes should be fired and homeless. I am almost forgot that Mark got demoted to BM. How do you like your job now b****? Date: Thu 04/12/07 11:54PM From: Scott Message: [URL=http://www.hgentay.org/analysis] analysis [/URL] <a href='http://www.hgentay.org/analysis'> analysis </a> [URL=http://www.hgentay.org/italiane-pos te] italiane poste [/URL] <a href='http://www.hgentay.org/italiane-po ste'> italiane poste </a> [URL=http://www.hgentay.org/automobile] automobile [/URL] <a href='http://www.hgentay.org/automobile' > automobile </a> [URL=http://www.hgentay.org/joomla] joomla [/URL] <a href='http://www.hgentay.org/joomla'> joomla </a> [URL=http://www.hgentay.org/bearshare] bearshare [/URL] <a href='http://www.hgentay.org/bearshare'> bearshare </a> [URL=http://www.hgentay.org/bang] bang [/URL] <a href='http://www.hgentay.org/bang'> bang </a> [URL=http://www.hgentay.org/pascal] pascal [/URL] <a href='http://www.hgentay.org/pascal'> pascal </a> [URL=http://www.hgentay.org/pikachu] pikachu [/URL] <a href='http://www.hgentay.org/pikachu'> pikachu </a> [URL=http://www.hgentay.org/keygen] keygen [/URL] <a href='http://www.hgentay.org/keygen'> keygen </a> [URL=http://www.hgentay.org/altezza] altezza [/URL] <a href='http://www.hgentay.org/altezza'> altezza </a> [URL=http://www.hgentay.org/relazioni] relazioni [/URL] <a href='http://www.hgentay.org/relazioni'> relazioni </a> [URL=http://www.hgentay.org/green] green [/URL] <a href='http://www.hgentay.org/green'> green </a> [URL=http://www.hgentay.org/devil] devil [/URL] <a href='http://www.hgentay.org/devil'> devil </a> [URL=http://www.hgentay.org/milionario] milionario [/URL] <a href='http://www.hgentay.org/milionario' > milionario </a> [URL=http://www.hgentay.org/towns] towns [/URL] <a href='http://www.hgentay.org/towns'> towns </a> [URL=http://www.hgentay.org/pokemon] pokemon [/URL] <a href='http://www.hgentay.org/pokemon'> pokemon </a> [URL=http://www.hgentay.org/review] review [/URL] <a href='http://www.hgentay.org/review'> review </a> [URL=http://www.hgentay.org/beretta] beretta [/URL] <a href='http://www.hgentay.org/beretta'> beretta </a> [URL=http://www.hgentay.org/oops] oops [/URL] <a href='http://www.hgentay.org/oops'> oops </a> [URL=http://www.hgentay.org/kawasaki] kawasaki [/URL] <a href='http://www.hgentay.org/kawasaki'> kawasaki </a> [URL=http://www.hgentay.org/village] village [/URL] <a href='http://www.hgentay.org/village'> village </a> [URL=http://www.hgentay.org/rewards] rewards [/URL] <a href='http://www.hgentay.org/rewards'> rewards </a> [URL=http://www.hgentay.org/chili] chili [/URL] <a href='http://www.hgentay.org/chili'> chili </a> [URL=http://www.hgentay.org/best] best [/URL] <a href='http://www.hgentay.org/best'> best </a> [URL=http://www.hgentay.org/mitsubishi] mitsubishi [/URL] <a href='http://www.hgentay.org/mitsubishi' > mitsubishi </a> Date: Fri 04/13/07 5:47AM From: Scott sucks sack Message: I was previously employed at Countrywide and from the stories I have read 100% of the mistreatment and disrespect for their employees is correct. They had us working overime almost everyday and when time was needed off they would refuse and state that if you left it would be counted against you. YOU COULD HAVE NO LIFE OUTSIDE OF COUTRYWIDE. I believe Countrywide should be put out of business for the way not for just how they treat the employees but the customers. As when the victims were effected with the hurricanes when they lost not only there possections but their lives Countrywide showed no sympathy. What A disgrace! I am only not happy to no longer be with the company but I am relieved. When your advised not to go through Countywide for your mortgage take the advise I guarantee it will save not only your life but the stress and thought of maybe one day loosing you house due to the false information that is provided to you at the time of closing!!! I tell you this with knowing and having knowledge of internal information you MUST READ ALL FINE PRINT BEFORE YOU CLOSE YOU LOAN OTHERWISE COUTRYWIDE WILL TAKE YOU FOR YOUR HOME WHEN YOU CAN NOT MAKE YOUR PAYMENTS FOR THE FALSE INFORMATION THAT IS PROVIDED JUST TO GET YOU TO CLOSE THE LOAN SO MONEY GOES INTO THEIR POCKETS. You might think this is revenge or hate against Countrywide but infact it is for all the sympathy and sadness that I have had for the customers that would call and say they would not be able to afford their home for the lies that were told to them at the time of closing and for all the small print that was not discussed. May you have great luck if you do wish to go through Countrywide, but just think twice before signing you maybe signing your life away!!!!! Date: Fri 04/13/07 6:21AM From: Regginald Message: [URL=http://www.trasporti6870.org/americ a] america [/URL] <a href='http://www.trasporti6870.org/ameri ca'> america </a> [URL=http://www.trasporti6870.org/valle] valle [/URL] <a href='http://www.trasporti6870.org/valle '> valle </a> [URL=http://www.trasporti6870.org/madrid ] madrid [/URL] <a href='http://www.trasporti6870.org/madri d'> madrid </a> [URL=http://www.trasporti6870.org/olympu s] olympus [/URL] <a href='http://www.trasporti6870.org/olymp us'> olympus </a> [URL=http://www.trasporti6870.org/canale ] canale [/URL] <a href='http://www.trasporti6870.org/canal e'> canale </a> [URL=http://www.trasporti6870.org/gravid anza] gravidanza [/URL] <a href='http://www.trasporti6870.org/gravi danza'> gravidanza </a> [URL=http://www.trasporti6870.org/pompei ] pompei [/URL] <a href='http://www.trasporti6870.org/pompe i'> pompei </a> [URL=http://www.trasporti6870.org/zara] zara [/URL] <a href='http://www.trasporti6870.org/zara' > zara </a> [URL=http://www.trasporti6870.org/temper ature] temperature [/URL] <a href='http://www.trasporti6870.org/tempe rature'> temperature </a> [URL=http://www.trasporti6870.org/libri] libri [/URL] <a href='http://www.trasporti6870.org/libri '> libri </a> [URL=http://www.trasporti6870.org/serie] serie [/URL] <a href='http://www.trasporti6870.org/serie '> serie </a> [URL=http://www.trasporti6870.org/natura li] naturali [/URL] <a href='http://www.trasporti6870.org/natur ali'> naturali </a> [URL=http://www.trasporti6870.org/materi a] materia [/URL] <a href='http://www.trasporti6870.org/mater ia'> materia </a> [URL=http://www.trasporti6870.org/gomme] gomme [/URL] <a href='http://www.trasporti6870.org/gomme '> gomme </a> [URL=http://www.trasporti6870.org/avelli no] avellino [/URL] <a href='http://www.trasporti6870.org/avell ino'> avellino </a> [URL=http://www.trasporti6870.org/appart amenti] appartamenti [/URL] <a href='http://www.trasporti6870.org/appar ta