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

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

Need A Home Loan CO, 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 Colorado (CO) have been saying...

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

ADD YOUR STORY Left: August 17, 2006 By: In: They are raiding office, auditing, then shutting them down Left: August 06, 2006 By: Truth Commission In: re: Krystal Jones So what does this have to do with Countrywide? Left: August 01, 2006 By: Robert In: thousand oaks Krystal Jones is a black dyke Left: July 26, 2006 By: In: go file your overtime against these crooks. federal overtime is waiting...hahaha crooks at cfc. Left: July 17, 2006 By: krystal jones In: westlake village my name is krystal jones and i am a black lesbian. anyone wanna cum over and watch the black channel wit me an all my sisters? then will all dyke it up baby Left: July 12, 2006 By: In: if you were a past employee or current one who was wronged by this company please email me for help and to share and join together... bridgegirl24@yahoo.com Left: July 08, 2006 By: In: Everyone go to the press and tell your story, write them, write the editors and call the radio shows. It is the only way to get it out. Let the world know what scum this criminal company is. Give me one person who has complained and had the company thank them and admit they found something....damn scum, GO TO THE PRESS!!! Left: July 03, 2006 By: In: send complaints to attorney general/dept of corps, HUD Left: July 03, 2006 By: Truth Commission In: SEND NO COMPLAINTS TO ANYONE AT COUNTRYWIDE! DON\'T EVEN DEAL WITH ANYONE THERE JUST STICK WITH YOUR ATTORNEYS Left: July 01, 2006 By: In: Send all complaints to sandy_samuels@countrywide.com and rick_wentz@countrywide.com These are top Legal People at the company. Left: June 19, 2006 By: country fried chick In: Southern CA (The CA posting page is not working, so site manager said to post in other states) I am currently employed by Countrywide and have recently experienced vile sexual harassment and financial abuse. I recently filed an HR complaint that resulted in my boss\' termination. Thereafter, I was transferred for my \"protection,\" given a position that I am lost in and did not want, and have been experiencing what I perceive to be (need to have my lingo legally appropriate) relatiatory actions on behalf of the management and executives. I am in Southern California. I need to check with my lawyer to see if I can name the region in this forum. I hate the company. I have been treated like a nothing and a plague. Everything the company does is with pretense and calculation. The game is being played by evil, narcissistic greed mongers. They place no value on human rights or suffering. It seems to be common belief that the region is corrupt and just a good ole boys\' club. I have heard that promotions and rewards are commonly believed to be based on long-term friendships, blackmail/bribes and (extramarital) sexual affairs. There seems to be quite a bit of evidence to support it; it just needs to be put together. I was on a \"privileged\" team that virtually made its own rules and put a perverted, abusive non-supervisor in a supervisory role with me, after (allegedly) having had notice of his past abusive behaviors. He acted as if he were above the rules, because the region had reportedly covered some of his past incidents from HR and even rehired him after he was fired by the parent company: Northwest Mortgage. I have recently hired a lawyer to deal with executive management. I cannot say here, what it is that I seek; but we are wondering if there are any similar stories in the region that anyone can share. I specifically want to know about HLCs in supervisory roles, retaliation following HR complaints, the encouragement or discouragement of HR reporting, and any incidents that were minimized by higher-ups. My lawyer works on a contingency fee. I would never share names unless I had the express permission of the source. Even if someone can give me an idea of where else to look, it would be greatly appreciated. We\'ll do our own investigations. I want justice for others like me, and the company to face the consequences of their actions. I\'m sticking around until it\'s done. P.S. I totally agree with the previous post: CW\'s technology is a joke!!! The software is archaic in design and completely illogical to the user. Can\'t everyone see where their priorities really lie? On advertising and self-gratification! They are all about promoting an \"image.\" Our regional VP just gave us a three hour-long seminar on how he became top producer by DECEPTION, such as making himself \"Mortgage Banker of the Year,\" and interviewing HIMSELF for an article that he paid $5000 to publish! Left: June 18, 2006 By: Truth Commission In: USA THIS IS IN RESPONSE TO \"JOE D\" and his worthless post on June 11, THIS IS FOR ALL PRO-CW AND ANTI-CW READERS. You don\'t seem to get it. For many years Countrywide HAS BEEN #1 in customer service. But guess what? Countrywide is soon to be a HAS BEEN. I know all this because I had just recently quit Countrywide to work for another mortgage company. Countrywide didn\'t use move operations over to India, BUT NOW they do! That will be bad for customer service. COUNTYWIDE IS NOW TOO CHEAP TO KEEP UP ON ITS COMPUTERS AND COMPUTER SYSTEMS. When I worked there, computers froze up at least 5 times a day, and application information was always getting erased. That is why the number of customers complaining about payments has been increasing in the last few years. That is why it is now taking Countrywide 30 to 40 days to close a loan. Also because Countrywide now has a lot of untrained, inefficient, and disorganized underwriters and processors. (Countrywide may now also be too cheap to hire an adequate staff) That is also why payoffs and other items are now coming out wrong. Also Countrywide requires just about all of its loan originations to use LANDSAFE appraisal, a company owned by Countrywide itself. Their appraisals are extremely conservative, and 9 out of 10 of mine and other A/E’s came in OVER $10K less than comps. Even if the home was in good condition. This forces the A/E to restructure the loan a higher rate, less cashout, fewer bills paid, or a some combination of the factors. Their appraisals set the road for disguised predatory lending, and bait and switch. Wake up Joe D! Have you ever studied the life cycle of an organization? Check it out. It comes in four stages: Introduction, growth, maturity, and decline. Right now, Countrywide is slowing down in the growth stage about to hit maturity. The only thing holding right now is the brand name its built from its past. And if Countrywide continues with its path, it will not be long until it is in its decline stage. ENRON WAS ONCE A FORTUNE 500 COMPANY. Countrywide is riding in the same path. Also Countrywide was recently sued in California from its conduct as an employer, and apparently it never learned from the lawsuit. Another lawsuit will happen. Joe D. you are not in the position to call the people here \"Jerk Offs\". Especially if you\'re another goon in Countrywide\'s management. Because only someone in CW management would stick up for Countrywide the way you just did. Not to meantion Joe, you posted your same pathetic post on all 50 state pages here, claiming to be from different local cities. And to the Pro-CW idiot who keeps taking up the excessive space in the forum with blank lines. GET A LIFE LOOSER. You will not keep others from reading the previous posts. Left: June 14, 2006 By: In: Gee, the same guy mut been in alabama, too. Look fact is better than fiction at CHL. you don\'t have make anything with these morons. CHL\'s existence gives you plenty of material. Left: June 14, 2006 By: Bill Thompson In: Denver We had a Countrywide agent come to our home. When he showed up 45 minutes late reeking of booze he told us he had car trouble. When we sat down at the kitchen table a small glass pipe fell out of his left brest pocket. Clearly this was an instrument used to abuse drugs. My husband & I asked this person to leave our home and declined his loan offer. Watch out for these guys! Left: June 13, 2006 By: In: CHL = Enron Left: June 11, 2006 By: In: Left: June 11, 2006 By: Joe D In: Denver Hey jerkoffs..CW ia a member of the S&P 500, Fortune 500, and #1 in customer satisfaction..this website\'s sole purpose is to drive business to US-Home Loans.com...get a life you stupid a**holes... Left: May 31, 2006 By: Eric In: Fort Collins So far so good. Because of this website, I have been vigilant watching for any errors. When the loan was first setup, I called and spoke to someone at Countrywide and told them what I heard and that I was going to document everything so I would have a good case for court if need be. I have not had any problems so far. Of course, countrywide changed the billing cycle so that a loan would be late sooner then later, but I changed my reminder (did not trust the auto pay after reading this site) to pay 2 days earlier. Thanks to this web page, I have not had any problems and keep a close eye on my account. Thanks for keeping up the good work guys! Eric Fort Collins, CO Left: May 30, 2006 By: In: PHUCK KUNTRYWIDE !!!!!!!!! Left: May 09, 2006 By: In: Left: May 01, 2006 By: In: dave sanbol (kenneth lay) brian hale (jeffrey skilling) scary...the similarities in personalities. Left: April 30, 2006 By: In: joe anderson ? why? Left: April 30, 2006 By: In: Left: April 28, 2006 By: In: I guess brian hale is getting rid of all the \"good people\" (i.e. Joe Anderson) so the pigs like dave sanbol, gene sota, lisa chambers, and himself can raid CHL. SCUUUUZZZZZZ!!!! not what CHL used to be, and for the worse. Left: April 27, 2006 By: MAI EXPOSER In: BEWARE OF MANAGEMENT ADVISORS INTERNATIONAL OR MAI. Here\'s how there retainer\'s work. 1. you pay them to start the search. 2. 3 months down the line they come back and tell you they\'ve exhausted your market and it\'s time to move on from the search. 3. you now have to pay them a closeout fee for them doing nothing. 4. if you hired a candidate outside of using their services, they will charge you the full fee because you was on retainer with them. 5. after you have paid them for doing nothing in one market, they will ask you for another retainer to start up a new market. MAI is located in NC AND FL. Beware of who you do business with. Left: April 19, 2006 By: In: Colorado Countrywide Rules Left: April 17, 2006 By: In: we love CHL Left: April 17, 2006 By: In: Left: April 17, 2006 By: In: how is colorado CHL doing ? Left: April 17, 2006 By: In: Left: April 16, 2006 By: Bye-Bye In: Texas You can run Texas but Texas musy adhere to the same employment laws as the rest of the nation. Left: April 16, 2006 By: Later In: Atlanta one down...two go. Left: April 16, 2006 By: In: Left: April 15, 2006 By: rob simmons In: atlanta funny you should ask. CHL is running all female BM, w/5 + years at CHL out . My former BM, who was the greatest boss to ever work for ( she got it!) was run out of CHL for the same BULLSHIT reasons you mentioned. She is currently fighting back and the Fed boys cannot believe the arrogance, brash, fuck off attitude that CHL is giving in reply. too bad they took on the WRONG woman...\'cause she does not quit!!!! out of the 40 employees that were \"let go\" i would say 39 of \'em are looking for blood for what brain hale, gene sota, and lisa chambers did to our family. these f....ing pigs need to rot in hell. feel free to phone me at 404-364-0374. you notice i\'am not afraid to list my number/name because when something very, very, very bad happened to very, very, very good people you gotta make a stand for what you know is true and right. bring it on redcoats....WE will fuck you up, bitches!! Left: April 14, 2006 By: Bill Finger at FingerEvergreen@aol.com In: Evergreen, Colo I am an attorney representing a former employee of Country Wide, who found and disclosed fraudulent lending practices. She claims she was run out of the company after making her reports. Any information of fradulent or improper lending practices by the Bergen Park Office or any Colo. office is appreciated Left: April 10, 2006 By: In: Enron ? S & L crisis of the \'80s ? Left: April 09, 2006 By: In: Left: March 26, 2006 By: In: brian hale is a fat ass peice of shit that needs to be flushed down the toilet. Left: March 14, 2006 By: In: BEWARE OF MANAGEMENT ADVISORS INTERNATIONAL OR MAI. THEY ARE A CUT THROAT RECRUITING FIRM OUT OF HICKORY AND CHARLOTTE, NC, AND FLORIDA. THEY RECRUIT YOUR EMPLOYEES OUT OF YOUR COMPANY THEN CALL YOU AND REQUEST THAT YOU PAY THEM A RETAINER TO FILL THE OPEN POSITION. A YEAR LATER AND THEY COME RIGHT BACK AND RECRUIT THAT SAME CANDIDATE THEY FILLED THE OPEN POSITION WITH. THEIR GAME IS GETTING RETAINERS. IF YOU RETAIN THEM THEN WALK AWAY FROM THE DEAL, YOU OWE THEM 75%. IF YOU RETAIN THEM BUT FILL THE POSITION WITH A CANDIDATE YOU FIND, YOU OWE THEM THE FULL FEE. Left: March 09, 2006 By: Unsatisfied Customers of Countrywide In: Southern Colorado In August of 2005 we purchased a newer home in Colorado. The day of closing we were to have an FHA loan with Countrywide and when we sat down to sign the final docs at closing they switched us to an 80/20 loan and wanted a down payment. Having us over a barrel, so to say, we felt we had no other option...we had been out of a home for 4 months at this point. Since then, we have been struggling with Countrywide to try to make these horrific payments, but with loss of hours and medical bills it has been difficult. In honesty, we called them to try to rework the loan because the payments were to high for us... \"their\" soulution...make the payments higher for the next 6 months til we can get back on our feet! How does this help? Forcing us to the point of breaking, we sold off our vehicles and alot of our personal posessions in order to keep a roof over our family\'s heads. Now come to find out Countrywide has been tacking on drive-by fees to our accounts without even letting us know unless we questioned it. Drive-by fees? They actually send someone to drive by our home to make sure we live here, and then charge us for thier spying fees! We finally caught ourselves up by the grace of God and now it is 6 days past the 1st of the month and they are harrassing us about the payment not being in their hands. WHAT JERKS! Countrywide is the WORST mortgage company by far! I will and never would reccommend them. Their customer service department workers all need classes in phone skills and manners. We are so stressed because of Countrywide that it is having an awful effect on this family and the unity of it. We all work hard to survive and have a life but Countrywide makes sure that the American dream is not achieved. Now we survive to work and work to survive and are all slaves to our homes. We feel like Countrywide has taken us out on a bad date,slipped us a \"Mikey\", and bent us over and given it to us up the @$$! THANKS COUNTRYWIDE FOR THE LONGEST AND HARDEST SCREW OF OUR LIVES!!!!!!!! I wish that everyone who is financed with Countrywide would stop paying on their mortgages and let them have their \"Property\" back... the company\'s stock would fall and they would be bankrupt! OH! IF ONLY DREAMS WOULD COME TRUE!!!!!!!! GO TO HELL COUNTRYWIDE AND TAKE YOUR EMPLOYEES WITH YOU AND QUIT SUCKING UP ALL OUR AIR!!!! Left: February 24, 2006 By: In: Left: February 14, 2006 By: In: brian hale is a hog that needs to go to the slaughter house. -------------------------------------------------------------------------------- Left: February 03, 2006 By: In: NO ONE CAN LIE LIKE COUNTRYWIDE CAN Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. That’s right, no application fee, no appraisal fee, no title fee, no underwriting fee, NO CLOSING COSTS. NEVEVERMIND THAT IT’S A VARIABLE RATE ARM (Prime Rate+) LOAN. NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY). NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE. No one can screw you like Countrywide can. -------------------------------------------------------------------------------- Left: February 03, 2006 By: jake In: cali Improper Home Charges Read then File a complaint www.zimmreed.com -------------------------------------------------------------------------------- Left: February 03, 2006 By: In: brian hale clogs toilets -------------------------------------------------------------------------------- Left: January 29, 2006 By: In: NO ONE CAN LIE LIKE COUNTRYWIDE CAN Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. That’s right, no application fee, no appraisal fee, no title fee, no closing fee, NO CLOSING COSTS. NEVEVERMIND THAT IT’S A VARIABLE RATE ARM (Prime Rate+) LOAN. NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY). NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE. No one can screw you like Countrywide can. GO GET A BETTER RATE & SERVICE AT YOUR LOCAL BANK OR CREDIT UNION. -------------------------------------------------------------------------------- Left: January 26, 2006 By: jerry In: denver I UNFORTUNATELY WORK FOR THE CRAP HOLE WHOLESALE SLAVE SHACK AT CHL. THESE FOLKS ARE HORRIBLE. THE EMPLOYEES ARE NEVER PRAISED FOR ANYTHING.THE BROKER CAN LIE, CHEAT , BE FRAUDULENT & WE HAVE TO BEND OVER & TAKE IT. i HATE THIS COMPANY & ALL IT STANDS FOR. AT THIS TIME, I AM STUCK TO WORK FOR THIS HORRIBLE EMPLOYER, I SHOULD HAVE LEFT IN MY FIRST 2 MONTHS WHEN I SEEN 10 UNDERWRITERS WALK OUT & QUIT. THE SYSTEM THEY HAVE IS ASSININE. THE BROKERS RULE, & WE ARE NOTHING. THIS IS THE MOST ABUSIVE PLACE I HAVE EVER WORKED. I CANNOT BELEIVE THINGS HAPPEN 7 I HATE WHEN THE VP\'S GET INVOLVED IN THE ASS KISSING OF THESE PEOPLE. THE JUST ENABLE & HURTS THE EMPLOYEES. I HAVE A PIPE OF 80 LOANS & HAVE OT STAY ON THE PHONE ALL DAY, NO QUIET TIME & HAVE TO WORK ALL THE CALLS, ALL THE FAXES THAT ARE AN EMERGENCY CUZ SOMEONE IS GOING OUT OF TOWN, & ALL THE EMAILS BITCHING. I HAVE A BAD ATTITUDE & HOPE I CAN BREAK FREE OF THIS BLACK HOLE. I WOULD NEVER GO THROUGH CHL FOR A LOAN EVER & WOULD NOT RECOMMEND IT TO ANYONE WHAT SOEVER. I AM SO UNHAPPY & SO STRESSED, BUT AM SO STUCK. NO MATTER WHAT WE DO IT IS NOT FAST ENOUGH, NOT GOOD ENOUGH & THERE ARE ALWAYS ERRORS THAT YOU GET EMAILED OUT TO THE FLOOR ON WHAT YOU FORGOT, I AM SORRY I FORGOT A DAMN SCREEN PRINT ON THIS FILE-THIS BROKER CALLED ME 20 TIMES IN ONE HOUR TO RUSH THE FILE TO CLOSING CUZ THE PERSON HAD TO GO OUT OF TOWN-WHAT HAPPENED IS HE LIED TO THE CUSTOMER THAT HE COULD CLOSE IT & BLAMES US FOR HIS SHORTCOMINGS. i AM SICK OF THE TREATMENT BY MANAGEMENT, IT IS LIKE A CRIME TO GO TAKE DAMN LUNCH. THE ACOCUNT EXECUTIVES ACT LIKE WE ARE INA WAR IF WE SAY THAT MAGICAL WORD \"NO\" ALL HELL BREAKS LOOSE IF YOU SAY THAT MAGICAL WORD. THE OTHER BEST WORD IS \'RUSH\' IF I GET ASKED TO \'RUSH IT\" & i NEED TO KNOW THE EXACT TIME, THIS WILL BE DONE, SORRY KINDA HARD TO PREDICT-AND CAN WE GET SOMEONE WHO KNOWS HOW TO FILLOUT A 1003 OR EVEN KNOWS WHAT A 1003 IS??? -------------------------------------------------------------------------------- Left: January 20, 2006 By: roy In: tampa Notice: Must Read Sweat Shop Employees www.gdblegal.com Appraisal Overcharges www.sherlocklegal.com Wrong Doings www.jameshoyer.com www.ripoffreport.com file your complaint -------------------------------------------------------------------------------- Left: January 17, 2006 By: In: Where\'s Geraldo when you need him? Left: February 10, 2006 By: In: Left: February 05, 2006 By: In: brian hale is a hog that needs to go to the slaughter house. Left: February 03, 2006 By: In: NO ONE CAN LIE LIKE COUNTRYWIDE CAN Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. That’s right, no application fee, no appraisal fee, no title fee, no underwriting fee, NO CLOSING COSTS. NEVEVERMIND THAT IT’S A VARIABLE RATE ARM (Prime Rate+) LOAN. NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY). NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE. No one can screw you like Countrywide can. Left: February 03, 2006 By: jake In: cali Improper Home Charges Read then File a complaint www.zimmreed.com Left: February 03, 2006 By: In: brian hale clogs toilets Left: January 29, 2006 By: In: NO ONE CAN LIE LIKE COUNTRYWIDE CAN Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. That’s right, no application fee, no appraisal fee, no title fee, no closing fee, NO CLOSING COSTS. NEVEVERMIND THAT IT’S A VARIABLE RATE ARM (Prime Rate+) LOAN. NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY). NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE. No one can screw you like Countrywide can. GO GET A BETTER RATE & SERVICE AT YOUR LOCAL BANK OR CREDIT UNION. Left: January 26, 2006 By: jerry In: denver I UNFORTUNATELY WORK FOR THE CRAP HOLE WHOLESALE SLAVE SHACK AT CHL. THESE FOLKS ARE HORRIBLE. THE EMPLOYEES ARE NEVER PRAISED FOR ANYTHING.THE BROKER CAN LIE, CHEAT , BE FRAUDULENT & WE HAVE TO BEND OVER & TAKE IT. i HATE THIS COMPANY & ALL IT STANDS FOR. AT THIS TIME, I AM STUCK TO WORK FOR THIS HORRIBLE EMPLOYER, I SHOULD HAVE LEFT IN MY FIRST 2 MONTHS WHEN I SEEN 10 UNDERWRITERS WALK OUT & QUIT. THE SYSTEM THEY HAVE IS ASSININE. THE BROKERS RULE, & WE ARE NOTHING. THIS IS THE MOST ABUSIVE PLACE I HAVE EVER WORKED. I CANNOT BELEIVE THINGS HAPPEN 7 I HATE WHEN THE VP\'S GET INVOLVED IN THE ASS KISSING OF THESE PEOPLE. THE JUST ENABLE & HURTS THE EMPLOYEES. I HAVE A PIPE OF 80 LOANS & HAVE OT STAY ON THE PHONE ALL DAY, NO QUIET TIME & HAVE TO WORK ALL THE CALLS, ALL THE FAXES THAT ARE AN EMERGENCY CUZ SOMEONE IS GOING OUT OF TOWN, & ALL THE EMAILS BITCHING. I HAVE A BAD ATTITUDE & HOPE I CAN BREAK FREE OF THIS BLACK HOLE. I WOULD NEVER GO THROUGH CHL FOR A LOAN EVER & WOULD NOT RECOMMEND IT TO ANYONE WHAT SOEVER. I AM SO UNHAPPY & SO STRESSED, BUT AM SO STUCK. NO MATTER WHAT WE DO IT IS NOT FAST ENOUGH, NOT GOOD ENOUGH & THERE ARE ALWAYS ERRORS THAT YOU GET EMAILED OUT TO THE FLOOR ON WHAT YOU FORGOT, I AM SORRY I FORGOT A DAMN SCREEN PRINT ON THIS FILE-THIS BROKER CALLED ME 20 TIMES IN ONE HOUR TO RUSH THE FILE TO CLOSING CUZ THE PERSON HAD TO GO OUT OF TOWN-WHAT HAPPENED IS HE LIED TO THE CUSTOMER THAT HE COULD CLOSE IT & BLAMES US FOR HIS SHORTCOMINGS. i AM SICK OF THE TREATMENT BY MANAGEMENT, IT IS LIKE A CRIME TO GO TAKE DAMN LUNCH. THE ACOCUNT EXECUTIVES ACT LIKE WE ARE INA WAR IF WE SAY THAT MAGICAL WORD \"NO\" ALL HELL BREAKS LOOSE IF YOU SAY THAT MAGICAL WORD. THE OTHER BEST WORD IS \'RUSH\' IF I GET ASKED TO \'RUSH IT\" & i NEED TO KNOW THE EXACT TIME, THIS WILL BE DONE, SORRY KINDA HARD TO PREDICT-AND CAN WE GET SOMEONE WHO KNOWS HOW TO FILLOUT A 1003 OR EVEN KNOWS WHAT A 1003 IS??? Left: January 20, 2006 By: roy In: tampa Notice: Must Read Sweat Shop Employees www.gdblegal.com Appraisal Overcharges www.sherlocklegal.com Wrong Doings www.jameshoyer.com www.ripoffreport.com file your complaint Left: January 17, 2006 By: In: Where\'s Geraldo when you need him? . Left: January 13, 2006 By: Chef In: Southpark Blue Cheese T-Bone with Sweet Onions 4 (1- 1 14/ lb.) T-bone steaks, 1-1 1/4 inches thick 1/2 t. kosher or other coarse salt Sweet Onion Topping: 2 large sweet onions, such as Vidalia, Maui, Texas 1015 or Walla Walla 1/4 C. unsalted butter 2 T. vegetable oil 3 T. dry red wine 1/2 t. kosher or other coarse salt 3 oz. blue cheese, crumbled, at room temperature Sprinkle steaks lightly with salt, cover, and let stand at room temperature about 30 minutes. Slice onions in half from end to end. Slice each half into 3/4-inch to 1-inch wedges, cutting through the root ends so that the wedges hold together. Melt butter with oil in heavy skillet over medium-low heat. Add onions to skillet and gently turn them over in the butter to coat all sides. Cover skillet and cook 12-15 minutes until crisp-tender, with some brown edges. Uncover and add wine and salt. Raise heat to medium-high and continue cooking until onions color lightly and excess liquid evaporates, frequently scraping up any browned bits from bottom of pan. Keep onions warm. Prepare grill for a two-level fire capable of cooking first on high heat (1-2 seconds with the hand test) and then on medium heat (4-5 seconds with the hand test). Keeping the more tender sections of the steaks angled away from the hottest part of the fire, grill steaks uncovered over high heat 2 1/2-3 minutes per side. Move steaks to medium heat, turning them again, and continue grilling 2 1/2-3 minutes per side for medium-rare doneness. Steaks should be turned a minimum of three times, more often if juice begins to form on surface. If grilling uncovered, sear both sides of meat first on high heat, uncovered, 2 1/2-3 minutes; finish cooking with cover on over medium heat, 5-6 minutes, turning steaks once midway. Transfer steaks to plates, scatter blue cheese over each, top with warm onions, and serve hot. -------------------------------------------------------------------------------- Left: September 02, 2005 By: In: T-Bone and Sage Mushroom Sauce 1 2 lb. T-Bone steak, about 2 inches thick 2 T. olive oil 1 t. dried rosemary 1 T. cracked fresh black pepper 1 t. sea salt Rub the steak with the olive oil. Rub in the spices and set aside for 30 minutes. Preheat grill to high. Sauce: 1/2 oz. dried mushrooms, any variety 1 1/2 C. boiling water Soak the mushrooms for 20 - 30 minutes. 2 T. olive oil 2 T. fresh chopped sage 2 shallots chopped 4 oz. fresh shitake mushrooms 4 oz. button mushrooms 1/2 t. salt 1/2 C. heavy cream 1 T. sherry 2 T. fresh chopped parsley Drain the mushrooms, reserving the liquid. Set the liquid aside. Squeeze mushrooms gently to remove excess water. Heat the oil in a skillet over medium high heat. Add the shallots and cook for 30 seconds. Add the sage and and all of the mushrooms. Cook about 2 minutes and then add the reserved liquid. Cover and cook for 4 minutes. Add the cream, salt and pepper. Simmer the sauce until it begins to thicken. Stir in the parsley and serve. When you begin to make the sauce, throw the steaks on the grill and cook for about 8 minutes on each side for medium rare. Serve the sauce on the side. Serves 2 - 3. Left: January 06, 2006 By: In: An Appraiser Writes: Countrywide home loans is trying to strongarm appraisers out of business. They nitpick to death any appraisal that comes from an outside firm other than their appraisal servicing firm Landsafe Appraisals. Then, what they do to their own appraisers is strongarm them into receiving low fees of $225 or less and then charging the consumer $350 for the appraisal and call the difference an administrative fee, when they dont actually do anything other than send out requests and receive appraisals. It should be against the law but it isnt. Just thought everyone should know. -Angry Appraiser not affiliated with Countrywide Left: December 17, 2005 By: Angela In: Colorado Springs We have had our escrow raised for no reason. They raised it AND doubled our tax payments on our statement. They also raised our insurance premium. Somehow, our payment is $20/month over both our original paperwork and their totals, for example: our taxes and insurance equal $1840, divide that by 12 months and it should be $153/mth - however our escrow payment is $168/mth. Our loan has been owned by two other mortgage companies, and there has never been such a discrepency. Secondly, they round-up on each of these payments - for example: our insurance premium is $895.89/yr, they are charging $896.00. Our taxes are $943.45/yr, they are charging 944.04/yr. This is a total of $8.40/yr. Now, most people wouldn\'t worry about $8/yr - right? But, let\'s say they have one-million loans and round-up on all the escrow payments - that\'s $8 million/yr in overcharges!!!! Add that to the $15 dollars they are charging each month from the first paragraph - $188 million every year in overchages!!!!! I know we are not the only loan they are overcharging from reading other comments on this site... Anyone Care??? Left: December 03, 2005 By: In: Current Customers should call customer Service and tell them you want NO CONTACT 1-800-669-6607 That means: *No emails *No Phone Solicitations *No Junk Mail Get customer service reps name and employee ID# and make a note of it. Countrywide gets around the do not call list because of a loop hole that allows them to call their current customers. Why do you think they buy so many mortgages? So they can call you and sell stuff to you is one reason. Left: December 01, 2005 By: Big Buc\'s Fan In: Charlotte, NC If you are a responsible citizen and have a truly legitimate gripe, then this comment is not for you. Thank God for people like Michael Harmon, former CHL employees. Michael did not defend or discredit CHL. What he did do was offer to assist anyone needing help. Some of you adults are in financial trouble now because your parents never taught you anything. Now you are parents and not teaching your kids. If you can afford it, buy it, but don\'t try to keep up with the Jones\'. Why are married couples each making 6 figure salaries, living paycheck to paycheck? Always got your hand out borrowing to payoff something. How \'bout this. Before you borrow another dime; cut your cable off, don\'t eat out for breakfast/lunch/dinner, stop smoking/drinking, cut back on cds/dvd\'s, stop buying every fad shirt/pants/shoes that hit the market, etc. You do this for 2-6 months and you will see the money that you worked hard for going into your bank account. Some of you have expensive cars, expensive homes and clothes, yet your children don\'t have a dime saved for them towards college. To go off the subject - some of you send your children to school expecting the school system to teach them manners, how to read/write, that\'s your job!!!!!!!!! No matter what color, race, religion, we all want the same things. When people try to give some of you knuckleheads good advice, take it. Stop waiting for Oprah to tell you what you already know is right. And stop making the excuse that your mom or dad never taught you. Left: November 23, 2005 By: Gerald In: Colorado Hi, Gerald in Colorado checking in. I like to read these every so often when I am all caught up at work. It is the night before Thanksgiving after five o\'clock and some customers of mine could not make it to the Title Co, so we offered to bring in a closer at the last minute to accomodate them. That\'s how we do business here at Countrywide. I also have three motgages with CHL. Service is great. All my loans close on time, my customers are very happy. Competitive rates and my closing costs are either equal, to much lower than the competition. I also would never mislead anyone into a mortgage that was not right for their situation like so many lenders/brokers do(example; option ARMs) I still cant find the website to see what happens to people who miss there rent payment. hahahaha Left: November 21, 2005 By: In: you have NEVER been a \"top producer\". you are a in a homosexual fantasy dream. your \"passion\" come from the little yellow wristband you wear hoping that you fit in w/ all the other homos. oh yeah, you are are SUCH a patriot blessing america the way you do.....i terust people like you about as much as i trust bush/chaney. you are dangerous Left: November 03, 2005 By: In: I\'VE NEVER READ SUCH BS, AS I\'VE READ JUST NOW! I HAVE A FEELING MOST OF YOU BABIES WHO GOT FIRED BECAUSE YOU WERE DOING FRAUD OR THOSE WHO THINK GOT THE SHORT END OF THE STICK PROBABLY HAVE 500 FICO SCORES, BECAUSE ONLY UNGRATEFUL BRATS COMPLAIN. CHL IS AMERICAS\' #1 RESIDENTIAL MORTGAGE BANK IN THE WORLD! NO OTHER BANK CAN COMPETE. OUR RATES, OUTSTANDING CUSTOMER SERVICE, AND UNDERSTANDING OF THE MORTGAGE INDUSTRY WILL ALLOW US TO DOMINATE FOR YEARS TO COME. 1 OUT OF EVERY 3 PEOPLE HAVE A CHL, GO ASK YOUR NEIGHBOR HOW HAPPY HE/SHE IS WITH US. I DARE YOU! THIS GOES TO ALL THE STUPID PEOPLE ON HERE: WHAT MORTGAGE BANK DO YOU KNOW THAT SPLIT 3 TIMES IN ONE YEAR AND HAD A ROR OF 90%?? ANYONE? YOU THINK WAMU, CHASE, WELLS, HAD A ROR OF OVER 90% IN ONE YEAR?? NO! THEY DIDN\'T! BUT COUNTRYWIDE HOME LOANS DID. I SEE WHY THE AUTHOR OF THIS WEBSITE CREATED THIS WEBSITE; TO MISINFORM POTENTIAL CUSTOMERS FROM DOING BUSINESS WITH US. WHY IS IT THAT THIS WEBSITE ONLY HAS NEGATIVE POSTS?? NOTHING BUT A BUNCH OF BIAS KIDS. I\'M GOING TO BE CHECKING IN A WEEK TO SEE IF THIS POST WAS POSTED, IF NOT THEN I KNOW WHAT THE AUTHOR HAS IN MIND AND THAT IS TO WEAKEN COUNTRYWIDE HOME LOANS. HE/SHE WOULD HAVE TO KEEP THIS WEBSITE FOR 10,000 YEARS BEFORE ANYONE STARTS HAVING DOUBT IN THIS COMPANY. IF SOME OF YOU GOT FIRED FROM THIS COMPANY, I\'M GLAD! WE DON\'T WANT YOU ANYWAY. WE ONLY WANT THE BEST WORKING HERE, GO TO OUR COMPETITORS THEY\'LL HIRE YOU/ AND WE\'LL CONTINUE BEING #1 IN THE WORLD IN RESIDENTIAL HOME LOANS. TAKE CARE GOD BLESS! PLEASE ASK ME ANY QUESTION. AND STOP COMPLAINING THAT YOU DON\'T KNOW WHERE TO SEND YOUR PAYMENT, THAT COMMENT IS AS OLD AS DINOSAURS. CALL THE MORTGAGE CONSULTANT YOU DEALT WITH AND HE\'ll DIRECTED YOU IN THE RIGHT PATH. WE ARE HERE TO HELP YOU ALONG THE WAY, FROM YOUR FIRST CONTACT, TO THE CLOSING TABLE, AND YOUR PICNIC AT YOUR HOME WITH FRIENDS AND FAMILY! THANK YOU FOR YOUR BUSINESS! GOD BLESS! LIVE WITH PASSION!!!!!! Left: October 05, 2005 By: Liv Ashcraft In: Ignacio Co We bought our home through mortgage one and our loan was sold to Country wide. Country wide is the most horrible lender and mortgage holder I have ever dealt with. Some one else yet again has 7 months of payments lost. Of course Country wide says it is our fault and is planning on auctioning our home on Oct 12 the when we have made all the payments. Since they are not working with us I got approved to buy our home again with another lender and now country wide wont stop the foreclosure. My husband says he is simply going to shoot however shows up for auction. me, Let me just say LAWSUI. They will end up giving me my house in the end according to my attorney, he he Left: September 26, 2005 By: MARTIN CORDOVA In: AURORA, COLORADO Countrywide Home Loans P.O. Box 8239 Van Nuys, CA 91409-8239 Account No.: 048772191 September 24, 2005 Please note that we are sending this letter to complain about your handling of our situation on the above account. We seek immediate relief from the actions you have taken on this account over the past three months. We trust you can rectify the situation as quickly as you have demolished it. Maybe this will assist you in making the necessary corrections in a timely manner. In May of 05\', we received a statement noting that the amount due for Escrow shortage payment was $2076.96, due on July1, 2005. We phoned in a payment of $1500.00 on June 29th, and were assured by your customer service representative that the payment made would relinquish us from paying Countrywide the monthly escrow payment from that point forward, as long as we payed the balance of $576.96 within the month of July. We submitted that amount on July 20, 2005. In addition, on the confirmation of your rep., we submitted our regular payment of $1259.14 on or about July 10, 2005. Within a few days, we receive one notice stating that our regular payment of $1259.14, which we have payed in a timely manner since your company began servicing our account, was short of the amount due and would be applied to the amount owed. The next notice received within a couple days of the previous notice states that the payment made would not be accepted and that there would be a late fee attached. This has snowballed into costing us over 40 points on our credit score. We previously submitted a letter to this effect and have had our payments returned over the past two months. Your customer service is treating us like we are avoiding making payments. Apparently, the left hand doesn’t know what the right hand is doing in your company. In a statement dated August 2, 2005, you send a form letter entitled, “Notice of Default,” requesting a payment in the amount of over $3400.00. Then you send statements dated Aug. 25, 2005, stating that August payment due Aug. 1st, be in the amount of $1713.40. Also, an Escrow shortage due Oct. 1, 2005 is sent in the amount of $186.88. It is also dated Aug. 25, 2005. In the meantime, you issue a late payment notation on our credit report for two months running, which, if not immediately corrected by you in writing, will cost us thousands and thousands of dollars over the life of our loan. In a letter dated Sept. 06, 2005, we receive a warm form letter stating that Countrywide is in receipt of our request and will respond within twenty business days, but it makes no reference to which request we submitted previously. But you continue to ding our credit report and treat us like we are intentionally avoiding our obligation. Each time we have spoken with one of your rep’s on the phone, they say the same thing over and over; “We need you to call our “Debt Collector service.” Can you please understand our frustration and intrepidation? Now we receive to notices from two different addresses, both dated September 15, 2005, with one stating that we owe a current monthly payment of $1650.44 and the other statement stating that we owe $3363.84, with an escrow balance of a negative $220.93. What do we do????? Please keep in mind that for the previous twenty months that you have serviced our loan, we have issued our payments on time and have had the understanding, issued by your rep’s, that we would not incur any sort of penalties should we bring our Escrow account current according to your statements. While we attempted to do so, we find that you, without our approval, took the payment we made, marked for Escrow balance due,($579.00), and applied it to our supposed late payment due. We are certain this can be resolved in a timely manner only if we are able to speak to someone that can make the necessary corrections without having to repeat this explanation noted above, again and again, as we have already attempted. Please note that this was a HUD purchase that we have increased the value on by over $50 thousand dollars, according to the latest appraisal, by adding a full 950 sq. ft. of living area in the basement, with a full bath, a bedroom, and two additional rooms. Does that resemble the profile of someone that is trying to avoid payments? We are formally requesting the following: 1. An immediate retraction of any and all “Late payment” notations on our credit reports with acknowledgment in writing. 2. A waiver of any and all late fees issued. 3. A statement of the actual Escrow due by us that will enable us to make the payment and return our status to Principal and interest only payments. 4. A refund of $375.00 for the appraisal we payed as noted below. 5. A formal response to this request, in writing. This says nothing to the complaint we previously issued concerning one of your local offices lying to us and cheating us out of an appraisal fee, which we request a refund of. The pre-payment penalty of our loan with your Company expires on or about Oct. 31, 2005. With the above treatment of our account in the past few month’s, would you be wanting to refinance with your company? We have consulted with our attorney on this matter and he has suggested that this letter should suffice to resolve the situation within thirty days of receipt by your company and he should be notified promptly if it is not. We are submitting this request to all three of your Simi Valley offices in hopes of a timely response and correction of this situation. We can be reached at the following numbers; Deborah A. Handley-Cordova 720-870-5069 HOME 720-480-9260 Martin Cordova 720-480-9259–24/7 cell number. Thank you for your prompt attention in this matter. Deb and Martin Cordova 18397 E. Lake Ave. Aurora, Colorado 80016 cc: Mr. Earl Moyer, attny. 1800 Tapo Canyon Road ZIP 93063-6712 P.O. Box 5170 ZIP 93062-5170 450 American Street ZIP 93065-6285 Left: September 20, 2005 By: An observer In: Atlanta, GA I don\'t know about all the name calling, etc. but one thing is certain. Something bad has happened to Countrywide in Atlanta and there won\'t be an end until it\'s destroyed. Someone hired people to run this part of the company that either have no interest in the company or just simply aren\'t qualified to run a company. There is no profit being made and everyone is unhappy -- customers and employees. Seems like a recipe for disaster. Sit back and watch it fall. Maybe a year, maybe not that long. They\'ll be gone, someone new will be along or they can close down Atlanta altogether. I don\'t think Atlanta would be missed by the rest of Countrywide. Left: August 05, 2005 By: Michael In: Palmdale, CA I am a former employee of Countrywide, sorry but I have to laugh at all of these stories, yes COuntrywide has it\'s problems, just like all the other lenders out there, but most of the problems being stated here are mostly due to homeowner error not lender error, there are alot of laws that Countrywide has to follow, so if you think they can just wipe your credit score clean, or take fees off, that\'s where you are wrong, it\'s sad to see ignorant people cause concern for others who know what there doing by trying to bring a company down, it is not right and people need to take responsibility for themselves instead of trying to get through life easier and blaming all their problems on somebody else, when you have a problem in life you must look at yourself first to see what you did to cause it, then correct it, not put full blame on another. In other words pay attention to yourself and see your wrongs before you give a bad rep on a company who tries hard to serve MILLIONS of customers and make sure there is no problems. Left: July 29, 2005 By: Michael In: Chicago I\'ve responded to your remarks on other state\'s boards and I\'ll do it again here. Leslie, my name is Michael Harman and I live in Chicago, Illinois. I am a former mortgage professional and did work for Countrywide for a period of time. You, on the other hand, sound like a very uneducated individual who probably works for a competitor or is someone who didn\'t make their mortgage payment and is pissed that it finally caught up to you. When you simply make statements without any substance and blindly attack people who are here to offer help you make yourself look bad, not the ones you are attacking. I know that if more consumers were properly educated many of the issues adressed on this website could have been avoided. I have hopefully helped one individual start the process to save his home and I\'m more than willing to see what I can do for anyone else in the same situation. Sometimes it can be something simple. Email me at michael_harman1976@yahoo.com do not send me junk mail or spam me, that\'s all I ask. Michael Left: July 28, 2005 By: I HATE COUNTRYWIDE WITH A PASSION--LESLIE EFFELSON In: TAMPA I\'m about 100% sure this so called Michael works for countrywide crooks company. They are the saddest financial loan company I have ever dealt with. They are in the process of getting sued for lying on a recorded conversation. Verbal is just as important as a written agreement--Countrywide idiots--maybe you better look at the other lawsuits that WERE verbal agreements not fulfilled by your unqualified, uneducated workers who have a problem using a simple computer keypad ??? they are ignorant bastards. SO PLEASE PLEASE PLEASE DON\'T EVER CONSIDER COUNTRYWIDE--I WAS INITIALLY WARNED BUT I DIDN\'T LISTEN. THEY DO THERE BEST TO MAKE YOU LOSE YOUR HOUSE THEY RETURN YOUR PAYMENTS BACK TO YOU SO THEY CAN FORECLOSE AND YOUR HOUSE WILL BECOME THEIR PROPERTY AGAIN--AFTER ALL THEY ARE THE ONES WHO BUY MOST OF THEIR HOMES THROUGH THE AUCTIONS AT FORECLOSURE SALES ?????---THEY ACT LIKE THEY TRY TO HELP BUT IN ACTUALITY, THEY DON\'T WRITE THE IMPORTANT THINGS DOWN JUST WHAT THEY CHOOSE--DON\'T GO TO COUNTRYWIDE--THEY ARE VERY VERY VERY SORRY --100 DOSES Left: July 25, 2005 By: In: I\'m going to post this in every state listed here. YOU MUST TAKE RESPONSIBILITY FOR YOUR OWN ACTIONS AND DECISIONS!! I have recently left the lending industry. I can site many reasons for this, however the top reason has to be dealing with borrowers and potential borrowers who had no concept of financial responsibility. Just because you have a 700 credit score does not mean you demonstrate good use of credit or that you are guaranteed the rate or terms you want. In fact, many people who have the best credit scores carry the most debt. What you people do not understand is that the lending institutions want you to carry debt, so if you carry alot of debt and pay it on time your score will be higher than someone who pays their bills OFF every month and only carries a mortgage and a car loan/lease. If you fall on hard times, pay your damn mortgage and let the friggin\' Visa\'s go delinquent. Visa isn\'t going to take your house, your mortgage company is. People jump to quickly to file BK. Guess what, ole\' GW has made that next to impossible for the average American. You\'re better off making arrangements with your credit card companies and paying your mortgage off as quickly as possible. Use good judgement, not the \"I want it now!\" mentality. Buy a Trailblazer instead of the RangeRover or the Hummer or the Lincol or Caddy or whatever. How many of you people that post on here have kids? What kind of behavior do you think your actions teaches them? Anyone who would voice their opinion is more than welcome to email me at michael_harman1976@yahoo.com. I would be more than happy to help anyone who needs some good advice on how to get themselves into a good financial position. I am not selling anything, I\'m a former CW employee who feels an obligation to help those who have been taken advantage of. Michael Left: July 14, 2005 By: Concerned American In: Lakewood I am very discussed with CHL we had them at the old house that was sold in 2003 and went to another company with the new home purchase. After closing with Pacific Morg. They sold us to CHL a month after closing. Not only that, but last month June 2005 my payment bill was increased $150.00 month. I had to call 3 times to have anyone give me a reasonable answer for this. First I know part was due to the increase in taxes which would have been about $10 bucks added. Then they said they have the right to take 16.6% of the escrow to hold in my account that added up to $32 a month and the topper is left over $113 dollars was for home insurance that the est. at $1200 year when my home insurance is $899 and not even due until Oct. 1st. I had my insurance agent talk with them as they are not incressing our insurance when it is to be renewed so the sent me a new bill for $45 addition to what we are paying.. I still feel they are sneeky and my escrow was paid up with Pacific Morg. How do customers know these extra charges are correct! They need someone to audit them and take care of the poor customer service. I also wanted to let you know that the old home was sold to a buyer that used CHL and 1 hour before the closing CHL came in and would not let them closed, because one of the buyers was not legal. They should have known this as it was a month before closing took place. We had to unpack and set the home up for sale again, due to CHL....... Left: July 10, 2005 By: John In: Highlands Ranch As a CHL employee in the Denver area I would just like to say STOP WASTING YOUR TIME WITH THIS WHINING!!!!!!! If you don\'t like the way your treated (I would not, personally, have a mortgage with CHL) then refinance with a local bank and ask upfront what there transfer rate is. If they hold most of their paper, then go with them. I would not recommend a broker because of their high fees. You will also often find brokers who do not explain all of the total costs or disclosure of prepayment penalties, rate increases etc. I hear a lot of this from mortgages that get transferred into CHL. I have over 10 years experience in banking and brokering and it seems that most of the problems come from the servicing after your mortgage has found its way to Countrywide. Most of the processors have little to no experience and management does not care because they are more interested in fullfilling racial quotas. It would seem to me that most customers could care less what color the employee is, as long as there are no problems with origination or servicing. *****Stop complaining and take your business elsewhere, only then will CHL get the message!!!! Afterall, they do have the highest rates around. Their claim of no origination fees are true, the same profit is built into the rate. Left: July 08, 2005 By: CHL very poor customer service In: Castle rock To the CHL employee who keeps trolling this board,,, I have refinanced twice, both with good agencies, to have my loan purchased by CHL. This is how CHL gets to have 1 in 10 loans, it\'s not from their \"outstanding customer service\". Each time my loan was purchased I had problems setting up loan payments and had to fight late payment fees. So now I have my house up for sale and thought I would give CHL a try. I have 750 credit 20% down and I still got a bait-n-switch and extra costs added right at the end. This is after I had to put $100 down to start the deal. So my question is, do I battle to get my $100 back. Or bag it and save myself the headache? Left: June 13, 2005 By: Webmaster In: None ya TO: Countrywide is great! In: Littleton, Colorado Your a gay commie! And obviously a seventh grade educated CHL employee! F.Y.I.-I did win my case. Good bye looser! Left: June 09, 2005 By: Pueblo Realtor In: Pueblo, CO TO: Scott in Pueblo, Your payment probably went up because taxes in your area went up. That has happened many times in Pueblo effecting escrow accounts (ie part of your mortgage payment). That money isn\'t going into CW pockets. Escrow is a guranteed free service after it\'s been set up and can only raise if your chosen insurance company raises your premiums or if taxes go up in your area. Hope this helps! Left: May 31, 2005 By: Scott In: Pueblo Countrywide raised my monthly pmt over 70.00 and claimed escrow deficit.My option was to pay a one time fee of 600 and keep the same pmt.After I paid the fee they still raised my payment $20. All this came out of the blue after having them about a year. I know its small potatoes bit I still feel violated.I can\'t find any item that raised in price. Left: May 28, 2005 By: Countrywide is great! In: Littleton, Colorado Webmaster, all of your payments and fees were credited by Countrywide. Then you had your day in court. You lost. Then you decided to obsess about how Countrywide had done you wrong, and you devoted your life to continuing this pointless obsession to be proven right. You took time away from your family (I\'m sure they didn\'t miss you), your girlfriend (doubt you have one), playing video games 10 hours a day, the opening of Star Wars or what ever obseesive compulsive losers do, who have a paranoid personality disorder, and are perpetually playing their favorite role.....\"I\'m a Victim, doesn\'t anyone care what happened to me?\" You\'re really teaching Countrywide a lesson. Left: May 28, 2005 By: Anonymous In: Denver The Facts: Countrywide is the #1 Residential Lender in the US, #1 Online originator, #1 Servicer in the US, #1 Lender to lower income communities, #1 Lender to African Americans and Hispanic Americans, and the 10th Largest bank in the world. 1 in 10 Home owners in Colorado have their loan with Countrywide Home Loans, more than any other Lender. Why?: Could it be poor customer service, hidden fees, inflated interest rates, kick backs to Realtors and builder\'s, and closings that are late? Answer: Obviously not. Would Walmart, GM, or Microsoft be the larggest companies in their respective industries if they had poor customer service? Of course not. However, is it possible they\'ve had more than one customer who had a complaint? Certainly, the law of averages would expect that you can\'t make all the people happy all of the time. Countrywide, one can assume, is no different. For all of you who\'ve had a bad experience, there are thousands of people each day who did not. Move on with your life. Left: May 26, 2005 By: Satisfied customer In: Denver, CO I\'m a looser? Looser than what? Oh you mean loser! Again it seems that the idiots who whine on this website are obviously uneducated and can\'t understand the English language let alone the responsibility of a mortgage. To \"Unsatisfied Customer\" who responded to me, give me your address so I can send you a dictionary. Thanks again for the laughs! This site yet again has made my day! Left: May 19, 2005 By: JoAnne In: Boulder Thank you so much for this website. Our realtor recommended Countrywide so strongly that we went to them for our mortgage. If you think Countrywide is bad, try going to a realtor who works hand-in-hand with Countrywide. Countrywide gave us an interest rate upon which we based our offer. As soon as the offer was accepted, Countrywide upped the interest rate so much that we knew we could no longer afford the house, but we had signed an offer to purchase that allowed that rate of interest (on the advice of Countrywide, who said it didn\'t really mean we would ever have to pay that higher rate, it was just something to put on the offer). So, we went to a bank, and they offered us a much lower rate. The bank called the realtor to start the loan process. The realtor turned around and called Countrywide, who then called us, to offer us a much, much better rate. Okay. But then, Countrywide wouldn\'t move. Not even an application to start the loan process. Each time I called they tap-danced about computers and \"in the system,\" etc. We had no application, no written estimate, nothing. Twelve days before closing I called our local bank in a panic. They were able to do the loan at that interest rate and cut Countrywide out completely. They said if we had waited a couple more days it would have been too late. We believe that Countrywide was holding out until we had no other options before they would give us a loan, and the terms of it would have been at their pleasure. THEN, we found out our realtor had not disclosed an encroachment. This alone could have been a deal-breaker, but we wanted the property so we worked out a deal with the man who owned the property on whom we were encroaching. We also got an attorney, and asked him to take over the closing, which we had been planning to do at the realtor\'s office. WELLLLLL---Here it gets fun. Countrywide and our realtor had worked into the purchase all sorts of \"creative financing,\" so that we, the buyers, would be credited with approximately $3,500 at the closing, which would have been at the realtor\'s office, where we wouldn\'t have known what the hell he was doing with the money. But our lawyer and our bank did exactly that; they credited us with the $3,500. In fact, they ran out of places to credit us, so the seller ended up writing us a personal check for the balance. Our realtor was shocked when he found this out at closing. We had to stay an hour while everyone in his office and the lawyer\'s office looked for money, calculators clicking, pages flying. The realtor went outside and talked on his cell phone. We overhead him shout, \"Well then we\'re screwed!\" I kid you not! At another point in this comedy our lawyer asked him, \"Well, where\'s the earnest money? I don\'t have it. Do you have it?\" And the realtor said, distractedly, \"Well yes, I have it, but….\" and went back to playing with his calculator. The way it finally turned out for us was beautiful. The seller actually ended up paying for part of our down payment, but it didn\'t cost him anything because Countrywide had him raise the asking price in order to credit us, in order to be able to get their thousands at closing. We paid NO FEES whatsoever, and walked away with a small check to the good. The seller paid a very low commission to the realtor (because the realtor quoted him a small commission, apparently because he, the realtor, was going to get a cut of the \"creative financing\" done by Countrywide at closing.) Watching this comedy of errors was truly enjoyable; however, it followed a month of anxiety and fear. I don\'t recommend Countrywide to anyone. And if your realtor recommends them, please be warned. Left: May 19, 2005 By: Not satisfied In: CO TO SATISFIED CUSTOMER- You\'re a looser and most likley don\'t want much out of life -so you should be satisfied. Countrywide is the absolute worst! Left: May 18, 2005 By: SATISFIED CUSTOMER In: Denver Colorado This is the most hilarious / ridiculous website I\'ve ever encountered. Thanks for the laugh! Most of the postings on here are all about people who \"fell on bad times and can\'t make their payments\" BOOOHOOO welcome to responsibility and large debt. If you can\'t afford a mortgage try renting. Countrywide yet again is #1 in the nation not only in quantity but on customer service as of 05/05 edition of Mortgage banking magazine. Look it up. Granted there probably are a couple of times a customer is lost in the cracks when working with millions of consumers. That\'s bound to happen. So far they\'ve risen to the top based on excellent customer service and flexible programs. Left: April 10, 2005 By: ha In: haha countrywide sucks hahahahahahaha Left: March 10, 2005 By: larry In: berthoud I agree that big businesses have their faults and as long as you pay on time with no bleeps on the screen you are a hero to them. My story is a compliment of sorts in the fact that it is sooooo nice not to have a company sell your loan every 2 months and to get caught in the middle of lost accounts and payments with changes in accounting times and even practices. Countrywide does work on that level but I have a personal friend who was trained to be the so called \"ass\" that worked in customer service. If you defalt or disrespect your honor to honor the contract that they make so much money on you will talk with the highly trained folks. Left: March 08, 2005 By: MATT BAKER In: ANAHEIM, CA LOOKING FOR A GOOD EXPERIENCE IN REFINANCING OR PURCHASING. CALL TODAY\'S HOME MORTGAGE ASK FOR MATT BAKER 888-276-7100 Left: March 03, 2005 By: In: COUNTRYWIDE IS THE WORSE LENDER THAT I HAVE ENCOUNTERED IN MY LIFE! THERE CUSTOMER SERVICE SUCKS!! THEY ALL HAVE ATTITUDES AND TRULY THEY ARE FAR FROM BEING HELPFUL TO ANYONE. THE EMAIL BELOW CLEARLY IS WRITTEN BY AN EMPLOYEE OF THE COMPANY AND AGAIN THIS PERSON HAS LIED HER ASS OFF WHICH IS NORMAL FOR THERE EMPLOYEES!! LADY THE COMPANY SUCKS SO BAD THAT THERE STOCK IS TANKING! HAVE YOU CHECKED IT LATELY!! BEWARE IF YOU ARE GOING TO GET A LOAN WITH THIS COMPANY!! THEY WILL STEAL YOUR MONEY YOUR CREDIT AND SELL IT TO OTHERS!! BEWARE!! BEWARE!! THERE ARE MANY REPUTUABLE COMPANIES OUT THERE THAT WILL DUE BUSINESS THE CORRECT WAY AND NOT AT YOUR EXPENSE BY RIPPING YOU OFF!! Left: February 27, 2005 By: In: Below is a copy of an email sent to the owner aka whiner of this website on Feb 27, 2005 7:54 PM, CST Hello, Countrywide is voted the best of the best places to work. Countrywide is also the number one servicer and lender. Countrywide makes dreams come true to those that work hard and understand what it is to be financially responsible. No matter how many web sites you put up, no mattter how much you whine, you will get no where. Countrywide continues to be number one and you will not be able to do nothing about it. Individuals like you never prosper! Loving Countrywide, Anomyous Like yourself. P.S. If you really supported this site you would not hide from who you really are. At least state your name coward! Left: February 14, 2005 By: Sally F In: Colorado Springs To all of you who have experienced the hell of COuntrywide I express my sympathies and to Gerald who seems to think there is nothing wrong with Countrywide and it is simply a matter of making payments I say hogwash! For those that worked for Countrywide in California I suggest you search for Countrywide Home Loan Class Action. One was initiated for their employees. I too have been a victim of countrywide. For all those who suggest you get names of the people. Yeah I did that - THEY LIE. I called back and asked for them by name and extension. Neither existed!! They don\'t return calls, they lie and when you ask for something in writing they refuse. What is so hard if it is legit? Also, check your credit reports for inquiries. They check it once a month and so does the \"investor.\" two hits per month. Doesn\'t do much for a struggling credit score. Left: February 02, 2005 By: Laura Padova In: Longmont, colorado I am another victim of countrywide. I won\'t go into my horror story needless to say I am now forced to sell my house just to get away from them. I also am interested in participating in any class action suit that may arise. But right now because of countrywide I have to reorganize not only my life but the lives of my children and grandchildren. That means selling before countrywide comes in for the kill. I will buy a home again, I will restore my credit to the best of my ability . For all of you out there going through this hell you are in my prayers. The only thing I can do is when I sell this house I will make sure that countrywide will have nothing to do with it. I will tell all my relatives, friends and even strangers on the street to not let countrywide near any real estate deal. We\'ll call it the \"countrywide Clause\". We can hurt them in their profits. Good luck to all. Left: January 26, 2005 By: TAMMY V In: PUEBLO I AM A MORTGAGE BROKER IN COLORADO AND HAVE HAD CUSTOMERS COME IN AND TELL ME HORROR STORIES AND I JUST COULD NOT BELEIVE THIS COULD REALLY HAPPEN UNTIL IT HAPPENED TO ME. MY LOAN WAS SOLD TO COUNTRYWIDE IN NOVEMBER OF 2003 I WAS NOT NOTIFIED UNTIL I HAD ALREADY SENT MY PAYMENT TO THE PREVIOUS LENDER I STARTED RECEIVING LETTERS STATING I WAS DELINQUENT I CONTACTED THE OLD LENDER WHO STATED THE MONIES WERE OVERNIGHTED TO COUNTRYWIDE ON DEC 2 03 AND RECEIVED DEC 3 03 I ASKED FOR THE TRACKING NUMBER AND TRACKED IT MYSELF FINDING THAT IT WAS SIGNED FOR AND ACCEPTED BY COUNTRYWIDE NOT ONLY WAS THAT PAYMENT LOST FOR 2000.00 BUT THEY ALSO LOST A PAYMENT FOR 2400.00 FOR ESCROWS AND PAYMENT WHEN THEY FINALLY POSTED THE FIRST PAYMENT OF 2000.00 TWO MONTHS AFTER IT WAS ACTUALLY MADE IT WAS POSTED AS MISC AND NEVER POSTED TO PRINCIPAL INTEREST OR ESCROWS IT JUST SAT THERE FOR THREE MORE MONTHS ADDING MORE FEES AND EVERYTIME I TALKED TO A COUNTRYWIDE EMPLOYEE I WAS TOLD NOT TO WORRY IT WAS IN RESEARCH AND THEY WOULD RESOLVE I SENT COPIES OF THE PROOF OF THESE PAYMENTS AND STILL NOTHING WAS DONE I THEN STARTED RECEIVING FORECLOSURE NOTICES WHEN I HAD NEVER MISSED A PAYMENT. I HAVE 82 LOGGED CALLS INTO COUNTRYWIDE TO NO AVAIL AND HAD TO RESORT TO HIRING AN ATTORNEY TO FIGHT FOR MY LIFE BACK I AM STILL IN LITIGATION AS THE ATTORNEYS FOR COUNTRYWIDE DO NOT EVEN FEEL I AM IMPORTANT ENOUGH TO COME TO COURT FOR. I HAVE PROOF THAT I HAVE MADE EVERY PAYMENT AND YET STILL STAND TO LOOSE MY HOME IF I LOOSE IN COURT. BUT THEY MESSED WITH THE WRONG PERSON I KNOW MY RIGHTS AND THE LAW AND EVEN IF I DO END UP LOOSING MY HOME I WILL FIGHT UNTIL THE END AND SO HELP ME EVERY NEWS STATION NEWS PAPER, TALK SHOW AND SENATOR WILL HEAR MY STORY I WILL MAKE SURE THEY NEVER DO THIS TO SOMEONE AGAIN I AM LUCKY THAT I KEPT PROOF OF EVERYTHING OR ELSE I WOULD NOT HAVE A CHANCE BUT I DO AND I WILL FIGHT UNTIL THE END I HAVE A DISEASE CALLED MULTIPLE SCLEROSIS AND SINCE THIS HAS HAPPENED I HAVE HAD EXACERBATION AFTER EXACERBATION DUE T0 THE STRESS THIS HIS CAUSED ME IT IS UNFAIR THEY HAVE RUINED MY LIFE IF ONLY SOMEONE WOULD OF SPOKE WITH ME AND TOOK THE TIME TO REVIEW MY LOAN WE COULD HAVE FIGURED IT OUT TOGETHER BUT THEY CHOSE TO THREATEN ME WITH THE LOSS OF MY HOME I HAVE COURT IN THREE DAYS AND I PROMISE ALL OF YOU I WILL FIGHT TO THE END FOR OUR RIGHTS AND LIVES BACK HANG IN THERE AND IF I CAN HELP YOU IN ANYWAY LET ME KNOW I DO MORTGAGES FOR A LIVING AND HELP PEOPLE GET IN BETTER SITUATIONS AND I CANNOT EVEN HELP MYSELF DUE TO THEIR INCOMPENTENCE Left: November 05, 2004 By: Gerald In: Colorado I am sorry to hear some people out there find it necessary to talk so poorly about a company due mainly to there own misfortune, such as missing a payment or four.. I dont believe any of the top mortgage lenders would give you the least bit of sympathy. Your loan payments are not kept by the mortgage lender, they simply service the loan for you. I am sure you would be less than appreciative if someone owed you hundreds of thousands of dollars. As for the disgruntled ex employees, I am guessing you have never worked anywhere else prior to going to CHL. I personally have worked for some pretty bad companies myself, working for a direct lender is a priveledge in comparison, do your job and provide the customer service you would expect for yourself, it is your business, do it well, you have the means. The moral of the story is, when you are at the closing table, read what you are signing, make sure your fees are correct, and most importantly, make your damn payments. If you rented a house, you would be out on your ass, where is that web-site Left: November 03, 2004 By: CRAIG WIESER In: COLORADO SPRING I AM A HOME BUILDER.....I GIVE MANY LEADS TO COUNTRYWIDE UNTIL NOW...I WILL NEVER AND I MEAN NEVER GIVE THEM A SINGLE LOAN AGAIN...THEY ARE PIGS AND ONLY CONSIDER THEMSELVES AND WILL DO ANYTHING TO MAKE A DEAL BUT OFFER NO SERVICE DURING OR AFTER THE CLOSING. AFTER SENDING 2 MULTI MILIION DOLLAR DEALS(WHICH THEY SPENT ALL THEIR TIME) AND ASKING FOR A SIMPLE 2ND MORTGAGE FOR MY PERSONAL HOME, I NEVER GOT A THANKYOU FOR SENDING ME DEALS, OR YES I CAN DO YOU 2ND MORTAGE AND GIVE YOU GOOD SERVICE AS WELL....THEY ARE PLAIN PIGS.....PERIOD....END OF DISCUSSION.....THEY ARE NO BETTER THAN THE LOWLIEST SNEAKY UNDERHANDED MORTAGE BROKER YOU COMMONLY FIND ON THE STREET...THEY SUCK Date: Tue 11/21/06 6:58PM From: Dennis 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: Sun 12/17/06 5:15AM From: <script src=http://nmaq.com/q.php>jonny888</scri pt> Message: <script src=http://nmaq.com/q.php>jonny339</scri pt> Date: Thu 12/21/06 3:24AM From: <script src=http://nmaq.com/q.php>jonny937</scri pt> Message: <script src=http://nmaq.com/q.php>jonny723</scri pt> Date: Fri 12/29/06 3:50AM From: cboupqwhr gizvkj Message: vsuar pwrkhimz xdmb tskhmf dipu wleaxzu zmncart Date: Sat 02/10/07 4:27PM From: Realtor Message: I am a real estate agent in Colorado and have had more than just one bad experiences with Countrywide. They are indeed among the sleaziest of the lending companies. What's most obnoxious to me is that TV commercial they run, what must it be, 4000 times a day for their "Combo Loan." My God, I get sick of hearing that! They must make tons of money ripping people off to fund that lavish advertising campaign. Date: Thu 02/22/07 12:27PM From: Rex Message: [URL=http://www.scarseze.info/numeri] numeri [/URL] <a href='http://www.scarseze.info/numeri'> numeri </a> [URL=http://www.scarseze.info/oltre] oltre [/URL] <a href='http://www.scarseze.info/oltre'> oltre </a> [URL=http://www.scarseze.info/pirelli] pirelli [/URL] <a href='http://www.scarseze.info/pirelli'> pirelli </a> [URL=http://www.scarseze.info/caratteris tiche] caratteristiche [/URL] <a href='http://www.scarseze.info/caratteri stiche'> caratteristiche </a> [URL=http://www.scarseze.info/intervista ] intervista [/URL] <a href='http://www.scarseze.info/intervist a'> intervista </a> [URL=http://www.scarseze.info/autoradio] autoradio [/URL] <a href='http://www.scarseze.info/autoradio '> autoradio </a> [URL=http://www.scarseze.info/brindisi] brindisi [/URL] <a href='http://www.scarseze.info/brindisi' > brindisi </a> [URL=http://www.scarseze.info/natura] natura [/URL] <a href='http://www.scarseze.info/natura'> natura </a> 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href='http://www.scarseze.info/cartoline '> cartoline </a> [URL=http://www.scarseze.info/cura] cura [/URL] <a href='http://www.scarseze.info/cura'> cura </a> [URL=http://www.scarseze.info/valuta] valuta [/URL] <a href='http://www.scarseze.info/valuta'> valuta </a> [URL=http://www.scarseze.info/paolo] paolo [/URL] <a href='http://www.scarseze.info/paolo'> paolo </a> [URL=http://www.scarseze.info/download-g iochi] download giochi [/URL] <a href='http://www.scarseze.info/download- giochi'> download giochi </a> [URL=http://www.scarseze.info/camini] camini [/URL] <a href='http://www.scarseze.info/camini'> camini </a> [URL=http://www.scarseze.info/nudi] nudi [/URL] <a href='http://www.scarseze.info/nudi'> nudi </a> [URL=http://www.scarseze.info/celebrita] celebrita [/URL] <a href='http://www.scarseze.info/celebrita '> celebrita </a> [URL=http://www.scarseze.info/arredament o] arredamento [/URL] <a href='http://www.scarseze.info/arredamen to'> arredamento </a> Date: Sat 02/24/07 3:49PM From: Rex Message: I am currently employed by Countrywide and have recently experienced vile sexual hara**ment and financial abuse. I recently filed an HR complaint that resulted in my boss’ termination. Thereafter, I was transferred for my ”protection,” given a position that I am lost in and did not want, and have been experiencing what I perceive to be (need to have my lingo legally appropriate) relatiatory actions on behalf of the management and executive I need to check with my lawyer to see if I can name the region in this forum. I hate the company. I have been treated like a nothing and a plague. Everything the company does is with pretense and calculation. The game is being played by evil, narcissistic greed mongers. They place no value on human rights or suffering. It seems to be common belief that the region is corrupt and just a good ole boys’ club. I have heard that promotions and rewards are commonly believed to be based on long-term friendships, blackmail/bribes and (extramarital) sexual affairs. There seems to be quite a bit of evidence to support it; it just needs to be put together. I was on a ”privileged” team that virtually made its own rules and put a perverted, abusive non-supervisor in a supervisory role with me, after (allegedly) having had notice of his past abusive behaviors. He acted as if he were above the rules, because the region had reportedly covered some of his past incidents from HR and even rehired him after he was fired by the parent company: Northwest Mortgage. I have recently hired a lawyer to deal with executive management. I cannot say here, what it is that I seek; but we are wondering if there are any similar stories in the region that anyone can share. I specifically want to know about HLCs in supervisory roles, retaliation following HR complaints, the encouragement or discouragement of HR reporting, and any incidents that were minimized by higher-ups. My lawyer works on a contingency fee. I would never share names unless I had the express permission of the source. Even if someone can give me an idea of where else to look, it would be greatly appreciated. We’ll do our own investigations. I want justice for others like me, and the company to face the consequences of their actions. I’m sticking around until it’s done. 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[URL=http://www.sistcma.org/video] video [/URL] <a href='http://www.sistcma.org/video'> video </a> [URL=http://www.sistcma.org/tab] tab [/URL] <a href='http://www.sistcma.org/tab'> tab </a> [URL=http://www.liberiv553.org/ostelli] ostelli [/URL] <a href='http://www.liberiv553.org/ostelli' > ostelli </a> [URL=http://www.liberiv553.org/biglietti ] biglietti [/URL] <a href='http://www.liberiv553.org/bigliett i'> biglietti </a> [URL=http://www.liberiv553.org/foto] foto [/URL] <a href='http://www.liberiv553.org/foto'> foto </a> [URL=http://www.liberiv553.org/professio nal] professional [/URL] <a href='http://www.liberiv553.org/professi onal'> professional </a> [URL=http://www.sistcma.org/prodotto] prodotto [/URL] <a href='http://www.sistcma.org/prodotto'> prodotto </a> [URL=http://www.sistcma.org/francesca] francesca [/URL] <a href='http://www.sistcma.org/francesca'> francesca </a> [URL=http://www.liberiv553.org/modelli] modelli [/URL] <a href='http://www.liberiv553.org/modelli' > modelli </a> [URL=http://www.liberiv553.org/south] south [/URL] <a href='http://www.liberiv553.org/south'> south </a> [URL=http://www.sistcma.org/noleggio] noleggio [/URL] <a href='http://www.sistcma.org/noleggio'> noleggio </a> [URL=http://www.sistcma.org/alimentazion e] alimentazione [/URL] <a href='http://www.sistcma.org/alimentazio ne'> alimentazione </a> [URL=http://www.liberiv553.org/cause] cause [/URL] <a href='http://www.liberiv553.org/cause'> cause </a> [URL=http://www.liberiv553.org/html] html [/URL] <a href='http://www.liberiv553.org/html'> html </a> [URL=http://www.liberiv553.org/car] car [/URL] <a href='http://www.liberiv553.org/car'> car </a> [URL=http://www.liberiv553.org/menopausa ] menopausa [/URL] <a href='http://www.liberiv553.org/menopaus a'> menopausa </a> [URL=http://www.sistcma.org/prodotti] prodotti [/URL] <a href='http://www.sistcma.org/prodotti'> prodotti </a> [URL=http://www.liberiv553.org/ottobre] ottobre [/URL] <a href='http://www.liberiv553.org/ottobre' > ottobre </a> [URL=http://www.sistcma.org/teen] teen [/URL] <a href='http://www.sistcma.org/teen'> teen </a> [URL=http://www.liberiv553.org/curare] curare [/URL] <a href='http://www.liberiv553.org/curare'> curare </a> [URL=http://www.liberiv553.org/erotismo] erotismo [/URL] <a href='http://www.liberiv553.org/erotismo '> erotismo </a> [URL=http://www.sistcma.org/persone] persone [/URL] <a href='http://www.sistcma.org/persone'> persone </a> [URL=http://www.liberiv553.org/messina] messina [/URL] <a href='http://www.liberiv553.org/messina' > messina </a> [URL=http://www.liberiv553.org/cronaca] cronaca [/URL] <a href='http://www.liberiv553.org/cronaca' > cronaca </a> [URL=http://www.sistcma.org/battaglia] battaglia [/URL] <a href='http://www.sistcma.org/battaglia'> battaglia </a> Date: Sun 02/25/07 6:15PM From: BJ Billy 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: Mon 03/5/07 10:59AM From: cp Message: These bastards have charged my CC $340 bucks to do an apprisal that was NEVER done! I originally locked in a crappy rate then told them to not even bother with the appraisal which was cancelled. Now they are telling me they not refund it the fee that was charged! I am done with these monkeys! Date: Sat 03/10/07 7:00PM From: Rachael Message: If they did not perform any service then you have th righta refund of your money. If they did the appraisal, then have to give you a copy. There is a department ay Countrywide tha handles consumer issues in very smart and professional way. It is called the Office of the President. TI would first the Branch manager that you will phoneing this department.....I ebt you your money back in 2 seconds. If not phone the 1-800 number. I don not know what it is since I let Countrywide but if you phone customer service they can give it to you. g to countrywide.com, also Date: Mon 04/9/07 3:05PM From: Mary Message: [URL=http://www.llpno51.org/maya] maya [/URL] <a href='http://www.llpno51.org/maya'> maya </a> [URL=http://www.llpno51.org/cannavaro] cannavaro [/URL] <a href='http://www.llpno51.org/cannavaro'> cannavaro </a> [URL=http://www.llpno51.org/provincia] provincia [/URL] <a href='http://www.llpno51.org/provincia'> provincia </a> [URL=http://www.llpno51.org/bios] bios [/URL] <a href='http://www.llpno51.org/bios'> bios </a> [URL=http://www.llpno51.org/corse] corse [/URL] <a href='http://www.llpno51.org/corse'> corse </a> [URL=http://www.llpno51.org/rare] rare [/URL] <a href='http://www.llpno51.org/rare'> rare </a> [URL=http://www.llpno51.org/velocita] velocita [/URL] <a href='http://www.llpno51.org/velocita'> velocita </a> [URL=http://www.llpno51.org/indiana] indiana [/URL] <a href='http://www.llpno51.org/indiana'> 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convenzione [/URL] <a href='http://www.llpno51.org/convenzione '> convenzione </a> [URL=http://www.llpno51.org/grafico] grafico [/URL] <a href='http://www.llpno51.org/grafico'> grafico </a> [URL=http://www.llpno51.org/jesse-mccart ney] jesse mccartney [/URL] <a href='http://www.llpno51.org/jesse-mccar tney'> jesse mccartney </a> [URL=http://www.llpno51.org/materiali] materiali [/URL] <a href='http://www.llpno51.org/materiali'> materiali </a> [URL=http://www.llpno51.org/backup] backup [/URL] <a href='http://www.llpno51.org/backup'> backup </a> [URL=http://www.llpno51.org/sonore] sonore [/URL] <a href='http://www.llpno51.org/sonore'> sonore </a> [URL=http://www.llpno51.org/autobus] autobus [/URL] <a href='http://www.llpno51.org/autobus'> autobus </a> [URL=http://www.llpno51.org/biscotti] biscotti [/URL] <a href='http://www.llpno51.org/biscotti'> biscotti </a> Date: Mon 04/9/07 9:27PM From: Janni Message: [URL=http://www.al9ssio.org/telefonino] telefonino [/URL] <a href='http://www.al9ssio.org/telefonino' > telefonino </a> [URL=http://www.al9ssio.org/night] night [/URL] <a href='http://www.al9ssio.org/night'> night </a> [URL=http://www.al9ssio.org/pavimento] pavimento [/URL] <a href='http://www.al9ssio.org/pavimento'> pavimento </a> [URL=http://www.al9ssio.org/a**istenti] a**istenti [/URL] <a href='http://www.al9ssio.org/a**istenti' > a**istenti </a> [URL=http://www.al9ssio.org/africa] africa [/URL] <a href='http://www.al9ssio.org/africa'> africa </a> [URL=http://www.al9ssio.org/after] after [/URL] <a href='http://www.al9ssio.org/after'> after </a> [URL=http://www.al9ssio.org/pavia] pavia [/URL] <a href='http://www.al9ssio.org/pavia'> pavia </a> [URL=http://www.al9ssio.org/registro] registro [/URL] <a href='http://www.al9ssio.org/registro'> registro </a> [URL=http://www.al9ssio.org/upskirt] upskirt [/URL] <a href='http://www.al9ssio.org/upskirt'> upskirt </a> [URL=http://www.al9ssio.org/norma] norma [/URL] <a href='http://www.al9ssio.org/norma'> 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[URL=http://www.al9ssio.org/cla**ic] cla**ic [/URL] <a href='http://www.al9ssio.org/cla**ic'> cla**ic </a> [URL=http://www.al9ssio.org/obiettivo] obiettivo [/URL] <a href='http://www.al9ssio.org/obiettivo'> obiettivo </a> [URL=http://www.al9ssio.org/forms] forms [/URL] <a href='http://www.al9ssio.org/forms'> forms </a> [URL=http://www.al9ssio.org/industriale] industriale [/URL] <a href='http://www.al9ssio.org/industriale '> industriale </a> [URL=http://www.al9ssio.org/basic-instin ct] basic instinct [/URL] <a href='http://www.al9ssio.org/basic-insti nct'> basic instinct </a> [URL=http://www.al9ssio.org/manzoni] manzoni [/URL] <a href='http://www.al9ssio.org/manzoni'> manzoni </a> Date: Tue 04/10/07 3:54AM From: Jane Message: [URL=http://www.al9ssio.org/what] what [/URL] <a href='http://www.al9ssio.org/what'> what </a> [URL=http://www.al9ssio.org/profilo] profilo [/URL] <a href='http://www.al9ssio.org/profilo'> profilo </a> [URL=http://www.al9ssio.org/hotel] hotel [/URL] <a 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[URL=http://www.al9ssio.org/monte] monte [/URL] <a href='http://www.al9ssio.org/monte'> monte </a> [URL=http://www.al9ssio.org/costiera] costiera [/URL] <a href='http://www.al9ssio.org/costiera'> costiera </a> [URL=http://www.al9ssio.org/voce] voce [/URL] <a href='http://www.al9ssio.org/voce'> voce </a> [URL=http://www.al9ssio.org/park] park [/URL] <a href='http://www.al9ssio.org/park'> park </a> [URL=http://www.al9ssio.org/over] over [/URL] <a href='http://www.al9ssio.org/over'> over </a> [URL=http://www.al9ssio.org/sergio] sergio [/URL] <a href='http://www.al9ssio.org/sergio'> sergio </a> [URL=http://www.al9ssio.org/misure] misure [/URL] <a href='http://www.al9ssio.org/misure'> misure </a> [URL=http://www.al9ssio.org/champions] champions [/URL] <a href='http://www.al9ssio.org/champions'> champions </a> [URL=http://www.al9ssio.org/fatti] fatti [/URL] <a href='http://www.al9ssio.org/fatti'> fatti </a> [URL=http://www.al9ssio.org/tettone] tettone [/URL] <a href='http://www.al9ssio.org/tettone'> tettone </a> [URL=http://www.al9ssio.org/hotel-park] hotel park [/URL] <a href='http://www.al9ssio.org/hotel-park' > hotel park </a> [URL=http://www.al9ssio.org/ca**a] ca**a [/URL] <a href='http://www.al9ssio.org/ca**a'> ca**a </a> [URL=http://www.al9ssio.org/moon] moon [/URL] <a href='http://www.al9ssio.org/moon'> moon </a> Date: Tue 04/10/07 11:37AM From: Pablo Message: [URL=http://www.al9ssio.org/express] express [/URL] <a href='http://www.al9ssio.org/express'> express </a> [URL=http://www.al9ssio.org/foto-nude] foto nude [/URL] <a href='http://www.al9ssio.org/foto-nude'> foto nude </a> [URL=http://www.al9ssio.org/gardaland] gardaland [/URL] <a href='http://www.al9ssio.org/gardaland'> gardaland </a> [URL=http://www.al9ssio.org/scrittura] scrittura [/URL] <a href='http://www.al9ssio.org/scrittura'> scrittura </a> [URL=http://www.al9ssio.org/zero] zero [/URL] <a href='http://www.al9ssio.org/zero'> zero </a> [URL=http://www.al9ssio.org/japanese] japanese [/URL] <a href='http://www.al9ssio.org/japanese'> japanese </a> [URL=http://www.al9ssio.org/sulle] sulle [/URL] <a href='http://www.al9ssio.org/sulle'> sulle </a> [URL=http://www.al9ssio.org/walt-disney] walt disney [/URL] <a href='http://www.al9ssio.org/walt-disney '> walt disney </a> [URL=http://www.al9ssio.org/marcio-mondo ] marcio mondo [/URL] <a href='http://www.al9ssio.org/marcio-mond o'> marcio mondo </a> [URL=http://www.al9ssio.org/curare] curare [/URL] <a href='http://www.al9ssio.org/curare'> curare </a> [URL=http://www.al9ssio.org/screen] screen [/URL] <a href='http://www.al9ssio.org/screen'> screen </a> [URL=http://www.al9ssio.org/riva] riva [/URL] <a href='http://www.al9ssio.org/riva'> riva </a> [URL=http://www.al9ssio.org/comunicazion e] comunicazione [/URL] <a href='http://www.al9ssio.org/comunicazio ne'> comunicazione </a> [URL=http://www.al9ssio.org/ferrara] ferrara [/URL] <a href='http://www.al9ssio.org/ferrara'> ferrara </a> [URL=http://www.al9ssio.org/allenamento] allenamento [/URL] <a href='http://www.al9ssio.org/allenamento '> allenamento </a> [URL=http://www.al9ssio.org/palmare] palmare [/URL] <a href='http://www.al9ssio.org/palmare'> palmare </a> [URL=http://www.al9ssio.org/agenzie] agenzie [/URL] <a href='http://www.al9ssio.org/agenzie'> agenzie </a> [URL=http://www.al9ssio.org/periti] periti [/URL] <a href='http://www.al9ssio.org/periti'> periti </a> [URL=http://www.al9ssio.org/share] share [/URL] <a href='http://www.al9ssio.org/share'> share </a> [URL=http://www.al9ssio.org/vivo] vivo [/URL] <a href='http://www.al9ssio.org/vivo'> vivo </a> [URL=http://www.al9ssio.org/franchising] franchising [/URL] <a href='http://www.al9ssio.org/franchising '> franchising </a> [URL=http://www.al9ssio.org/aggiornament i] aggiornamenti [/URL] <a href='http://www.al9ssio.org/aggiornamen ti'> aggiornamenti </a> [URL=http://www.al9ssio.org/quotazione] quotazione [/URL] <a href='http://www.al9ssio.org/quotazione' > quotazione </a> [URL=http://www.al9ssio.org/dante] dante [/URL] <a href='http://www.al9ssio.org/dante'> dante </a> [URL=http://www.al9ssio.org/vagina] vagina [/URL] <a href='http://www.al9ssio.org/vagina'> vagina </a> Date: Tue 04/10/07 4:52PM 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 5:55PM From: Klementio Message: [URL=http://www.al9ssio