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Countrywide Financial - Georgia Home Loans - Equity Loan Mortgages SUCKS!
Georgia Home Loans? Sub-prime (bad credit), Need money, Mortgage Refinance, Or Want A Home Equity Loan Georgia and dont want to get ripped off or have hiden fees on your Home Loans?
Need A Home Loan GA, 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 Georgia (GA) have been saying...
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Date: Mon 02/26/07 2:08AM
From: Billy
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Date: Sat 02/24/07 9:54AM
From: Too Smitten
Message: What you have described is the “corporate culture of Countrywide.” It is a culture of competition not cooperation and looking out for number 1. Part of the review for managers is being able to fire or be able to layout people. By handing out promotions to some and not others who may be doing a better job, it keeps everyone running in place and watching their backs, stabbing each other before they get stabbed in the back. And if someone gets too close and threatens their position, they deny them a promotion or bad-mouth them behind their back. I know, all too well. But that is what is fostered in the company. It is just the Countrywide way.
Date: Fri 02/23/07 2:44PM
From: Sherri Rosen
Message: If you have had problems with Countrywide Homeloans please e-mail me at sherrirosen@yahoo.com .I am a film production coordinator, realestate agent, and single mother. I will be going to the media with my story of how Countrywide's reprehenable business practices have hurt me and my children. They are going to sell my house on March 6, 2007 and I am not behind on my payments.Please send me your story and lets all get together and do something about this. We are stronger in numbers. Contact your state Representatives and your Congressmen tell them your story. Countrywide should be put out of business for abusing americans and destroying their american dream.
Have courage enough to stand up for what is right!
Date: Fri 02/23/07 2:06PM
From: Mike Harding
Message: This company is full of crooked and incompetent people. They adjust the amount owed and I had to contact them several times to get them resolved. Every person I spoke with including the supervisors told me different stories. They charge insurance even though I sent them to the fax number they listed three times. They make your life miserable. Too much run around. Please NEVER and EVER finance through COUNTRYWIDE. They are deceiving and it is a shame that they are still in business. You better be careful if you financed with them. They may also add unknown debits (charges) in to your account and make you run around like crazy. Their customer service is SUB PAR; they are full of incompetent and disgraceful and liars. They do not know what they are talking about. STAY AWAY FROM COUNTRYWIDE!
Date: Fri 02/23/07 1:45PM
From: Jane W.
Message: I worked for Countrywide for about a year and left in August, 2005. In 2005 Countrywide decided to stop paying employees current and start paying them one week in arrears. They gave employees what they called a "Cutover Loan" which would cover the one week's salary the employee would be missing in their paycheck because of Countrywide's policy change. Subsequently, the employee would pay Countrywide back the "Cutover Loan" through paycheck deductions. When I quit Countrywide in August, 2005 I was sent a final paycheck that was suppose to cover the money I was owed for vacation I handn't taken and days I hadn't been paid for yet minus whatever amount I still owed on the "Cutover Loan." Now, a year and a half later I just received a collection letter from Countrywide saying that I owe them $332.18 from the "Cutover Loan" from 2005. I doubt that I still have any paystubs that I could use to verify the accuracy of what they are saying. Is this legal for them to send me a final payoff check and then send me a letter a year and a half later saying tha5t they are attempting to collect a debt I owe them?
Date: Fri 02/23/07 10:01AM
From: Kim
Message: Hey Rex, You are the King of pussys
Date: Fri 02/23/07 2:18AM
From: Rex
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Date: Sun 02/18/07 12:44PM
From: woody
Message: I am very happy , I just found this site! At least I can blow off some steam. COUNTRYWIDE IS SIMPLY A BUNCH OF THIEVING BASTARDS!! Our loan was a done deal, right? WRONG!! The minute Counrtywide funded our loan they decided to add $3000 per year for their own flood insurance. Our county in GA does NOT participate in the FEMA flood program, so NO flood insurance is available to us. Here is the kicker….after a bunch of BS and paperwork, Countrywide has admitted that we are not required to purchase Flood Insurance from them but they have refused to remove the charges or credit back the funds they have stolen from our escrow account. This has been going on since May 2006. Now we are taking them to court…no choice. I don’t care how much I have to spend on attorney fees, I refuse to let Countrywide steal our money.
Countrywide are masters at giving you the RUNAROUND! Before anyone should choose them as a lender they should call Countrywide’s Customer Service number and get a preview of how Countrywide treats their customers. Their stall tactics are all by design. This is all created to pressure and discourage folks from fighting them in hopes we will simply give up. This is the only way they can continue to steal from their customers.
I would have more respect for Countrywide if they came to my home wearing masks and stuck a gun in my face.
If anyone reads this and knows of other ways to warn the public about how corrupt Countrywide please send me info wdew@tnwebbing.com
Woody Dew
Date: Sat 02/17/07 11:39AM
From: J.L.
Message: I have a line of credit with Countrywide, I was planing on change it to Home equity, after sending the wrong papers and waiting for a month I called the Loan Officer, and told him I didn't want the loan anymore. A week later my insurance company call saying Countrywide was asking for a copy of my insurance for the loan, I told them I cancelled that loan, two minutes later somebody from Countrywide in called me about it, I told the lady I already cancelled the loan, a week later the Title Company called for closing, not only they didn't cancelled the loan but they were trying to refinance my firts loan without telling us anything.
THis people shluld never allowed to do loans and lied to people.
Date: Mon 02/12/07 8:29PM
From: Alex
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Date: Mon 02/12/07 8:09PM
From: Tom
Message: Good ole Dougy boy phucks up another long term CHL relationship, Novare. You suck, dude! I wonder what kinda BS excuse he gave everyone this go around. Whadda loser!
Date: Sun 02/11/07 6:15PM
From: Joe
Message: Countrywide is the next Enron, they even match their 401K with CW stock only, no other matching option. If you are an employee every time a matching contribution is made trade it for the fund you are invested in with your dollars. Don't make the same mistake Enron employees did and loose because Countrywide is on the fast track that Enron took. The game is almost over for them, trust me, that's why I left. If you are an employee help YOURSELF by ditching the CW stock portion of your 401K because it will be worthless when they go bankrupt. The smoke is already visible, Bank of America looked at them as an acquisition and said HELL NO once they took a good look at the failing business model.
Date: Sat 02/10/07 11:44PM
From: Asya
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Date: Mon 02/5/07 11:00AM
From: Alesha
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Date: Mon 02/5/07 10:15AM
From: Brad
Message: The Mother of All Bubbles
The Atlantic Free Press has an excellent (and long) read on the macro-picture of the current bubble:
"The hoopla over the “rise in new homes sales” ignores the “real”story which appears in many of the same articles; that is, “In 2006 existing home sales declined by 8.4%, the biggest drop in 17 years, and new homes sales fell by a whopping 17.3%, the largest in 16 years”. This is the real scoop although it is predictably hidden in the fine print. It signals the beginning of a long, downward spiral which will increase unemployment, shrink GDP, and send millions of homeowners into foreclosure and out onto the streets.
...
Some of Wall Street’s heavy-hitters know that trouble is brewing and are finally putting out the red flags. 2 weeks ago Goldman Sachs indicated that “the US Federal Reserve will need to slash rates 3 times this year as the housing slump goes from bad to worse and the American consumer begins to buckle”. (Ambrose Evans-Pritchard “US Housing Bust getting worse”)
“We believe that housing will soon become the ‘straw that breaks the camels back’, said David Kostin, the investment bank’s strategist. Goldman Sachs said homeowners had treated windfall gains from rising house prices as if they were ‘recurring income’ using home equity withdrawals to subsidize over-stretched lifestyles. This artificial boost to spending has already dropped from 7% to 4% of GDP over the last year, and is likely to halve again in 2007. Mortgage equity withdrawal will fall from 13% of ‘discretionary household cash flow’ in 2006 to 7% this year, causing spending power to contract for the first time since the dotcom bust”.
Date: Fri 02/2/07 5:59PM
From: Joe Brown
Message: Message: This company is full of crooked and incompetent people. They adjust the amount owed and I had to contact them several times to get them resolved. Every person I spoke with including the supervisors told me different stories. They charge insurance even though I sent them to the fax number they listed three times. They make your life miserable. Too much run around. Please NEVER and EVER finance through COUNTRYWIDE. They are deceiving and it is a shame that they are still in business. You better be careful if you financed with them. They may also add unknown debits (charges) in to your account and make you run around like crazy. Their customer service is SUB PAR; they are full of incompetent and disgraceful and liars. They do not know what they are talking about. STAY AWAY FROM COUNTRYWIDE!
Date: Thu 01/25/07 2:51PM
From: MS
Message:
Date: Thu 01/25/07 11:06AM
From: Alina
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Date: Thu 01/25/07 10:52AM
From: AJ
Message:
Date: Thu 01/25/07 10:34AM
From: aj
Message:
Date: Wed 01/24/07 7:59PM
From: AJ
Message: Now the two bottom feeder, loser LO's BB and BB want to come back to CHL to get a little income while things are slow. I bet the Captain Ding a Ling hires them back and gives guarenteed money, and think he has really accomplished something. God! dumb shit bringing back the SUPER low producers from ST....you are sooooooo awesome little boy!!!!!!!!!!
Date: Wed 01/24/07 7:37PM
From: AJ
Message: Hey B..............where are you now. 2 COE winners in the ENTIRE region, they won't pay for business card, marketing material, luncheons. Wow! Such accomplishments in 2.5 years. This region would have been WAY better of with NO RVP and AVP then having these two clowns screw everything just like their flop w/ Fidelity, and bad rep at Banc. Just leave the business ....you two give a horrible name to our industry.
Date: Tue 01/23/07 5:24PM
From: Joe
Message: This company is full of crooked and incompetent people. They adjust the amount owed and I had to contact them several times to get them resolved. Every person I spoke with including the supervisors told me different stories. They charge insurance even though I sent them to the fax number they listed three times. They make your life miserable. Too much run around. Please NEVER and EVER finance through COUNTRYWIDE. They are deceiving and it is a shame that they are still in business. You better be careful if you financed with them. They may also add unknown debits (charges) in to your account and make you run around like crazy. Their customer service is SUB PAR; they are full of incompetent and disgraceful and liars. They do not know what they are talking about. STAY AWAY FROM COUNTRYWIDE!
Date: Sat 01/20/07 5:04PM
From: Soon to be former ROC
Message: I am currently employed at CW. I cannot say which division since it is a small one, and who knows who read this, right? I’m worked like a dog, stressed to the breaking point, but currently need the meager pay.
I can say that our small division is losing people left and right because of LOW PAY, huge workloads, and no appreciation……unless you consider a $50 gift card in lieu of a real bonus appreciation. Another young woman is quitting this coming Monday because of the low pay here. No wonder the turnover rate is so high at this place.
Promises are made, and rarely if ever kept. Morale is low across the board, even with the motivational posters and ‘personal’ messages from Angelo.
I will be shopping my resume in the coming weeks. I have no doubt CW will decline to counter-offer, as is their policy, if my manager even responds to my emails requesting a meeting. I am a valuable employee not easily replaced. It seems the only way to get the attention of this company is to quit.
I can’t wait to leave this sweatshop.
Date: Sat 01/20/07 4:41PM
From: Bill Stanfill
Message: This company is full of crooked and incompetent people. They adjust the amount owed and I had to contact them several times to get them resolved. Every person I spoke with including the supervisors told me different stories. They charge insurance even though I sent them to the fax number they listed three times. They make your life miserable. Too much run around. Please NEVER and EVER finance through COUNTRYWIDE. They are deceiving and it is a shame that they are still in business. You better be careful if you financed with them. They may also add unknown debits (charges) in to your account and make you run around like crazy. Their customer service is SUB PAR; they are full of incompetent and disgraceful and liars. They do not know what they are talking about. STAY AWAY FROM COUNTRYWIDE!
Date: Sat 01/20/07 4:38PM
From: Melissa Hipe
Message: Countrywide has been dishonest and underhanded with my jumbo loan. It's refinance representatives lied, made promises, and then failed to honor those commitments once it knew I didn't refinance with another company. Its management does not hold its employees to a respectable standard--it's all money. Don't finance with Countrywide--they will promise and it won't be there.
Date: Sat 01/20/07 4:32PM
From: William Collins
Message: Countrywide Mortgage completely sucks! They botched my closing by not completing the paperwork for a VA loan since they make less on VA loans then other loan types. They under estimated my closing payment by over $7,000 dollars; I almost did not close and had to borrow the money from my realitor. I must admit I got a great rate, but the ha**le was not worth.
DO NOT USE COUNTRYWIDE.....NEVER
Date: Sat 01/20/07 4:26PM
From: Tom
Message: How many producing LO's has D & J hired? Count them on one hand? This tells you everything you need to know.
Date: Sat 01/20/07 2:24PM
From: Colleen Gowell
Message: Message: It is true Charlie Rodgers use to work for JP Mortgage & Chase which is a subdivion of Chase Mortgage Company in the Miami, Fl branch office. I was there right before he left Chase to go to Countrywide back in or around about July-Aug/2003. He was known at Chase to cut corners by getting ride of the little people first and lovedddd to do Layoffs (Just as much as he loved blondes!)You know...Anything to stop his pockets aka bonuses from being touched!!! When his leadership fails (because he is too busy playing golf and sporting one of his many porshe's)his favorite solution is okay lets do another layoff which he did frequently at Chase and now I hear at CW. He is not at all about the little people in the company and lovees Money and looks out for his friends only and put them in big name positions whether or not they are qualified!! I really feel sorry for Angelo Mozillo since he is now old and obviously taken advantage of! I am sure they are waiting for him to die soo they can salvage the company to Ashes. (Money hungry bastards)I will not be surprise if after they detroy CW a couple of years from now that they will have to sell it or merge with another company! Mark my words!! They usually come true!! Mr. Mozillo's once "Company of Choice" has went to the dogs with the leaders being a bunch of money hungry pack of wolves!!!
Date: Sat 01/20/07 1:37PM
From: Doug
Message: Duh-Dee-Duh. How do my cuff links look? I 'am such a cool, dynamic RVP that everyone loves.....
Ever notice how no one really listens to you too much? Gee, I wonder why you get no respect.
Date: Wed 01/17/07 6:16PM
From: PC
Message: I hear that Pat F. met with Jolly Rodgers. This could get REALLY interesting. Stay tuned.
Date: Wed 01/17/07 3:50PM
From: Darrell
Message: Not only did I go through Countrywide but two of my friends were the ones processing my loan... they told me that my payment would be around 1700 to 1800 a mo. which I was willing to pay because it was a refinance, my payment ended up being 2100 a mo. i got a 3 yr. fixed and a 27yr. adj. but now theyre telling me that i have a 1 yr. fixed and 29 adj. so I went to see my options on another refinance with another bank and come to find out I also have a 3yr. "hard pre-pay penalty" of around 10,000 dollars, which means I cant refinance or sell for three years without paying 10,000 dollars to get out of this binding, money hungry, misleading, bloodsucking, greedy, no integrity, zero nobility, lying cess pool of sc**bags loan.
Thank You Countrywide for making my life miserable. yours truly darrell vandever
Date: Mon 01/15/07 6:49PM
From: Samuel Grant
Message: I live in GA. My mother's loan was refinanced by Countrywide Home Loans without her permission. on 1-25-05. We sued them in Dekalb County Superior Court for $75,000,000 case # 06cv5386. We had to sue them to get her doc**ents.We finally got the doc**ents 1-12-07. They made up two Deeds on her home and both were forgeries. My mother is a 65 yr old African American. I caught them in a complex flipping scheme and now I am going to stick it to them. We filed a police report on the closing Attorney #07006697
Watch out for your elderly parents they will flip them and take advantage of their tender age
Date: Mon 01/15/07 4:55AM
From: Larry C.
Message: We refinanced with Countrywide last year after being in our home almost 10 years. Later we get foreclosure papers from our initial lender; Countrywide NEVER FUNDED to the previous lender! No one will return our calls; we never received any communication as to why this was not funded. I am now over $25,000 out of pocket and am having to sue Countrywide.
Strongly recommend not using this company; Countrywide has serious internal problems
Date: Mon 01/15/07 4:50AM
From: Marcus
Message:
Date: Fri 01/12/07 8:02PM
From: AJ
Message: How many Casbons does it take to screw in a light bulb?
Date: Wed 01/10/07 10:03PM
From: JJ
Message: UHHHH, duhhhhh......my name is Doug Casbon, and I'am a RVP. How do my cuff links look? Huh, pretty cool? God I feel like a cool dude. I think all the young people really look up to me 'cause they think I' am cool.
Date: Fri 01/5/07 7:26PM
From: AJ
Message: Doug Casbon is a weasel.
Date: Tue 12/26/06 8:50PM
From: qhmdxvg mwpox
Message: pbyimzosn mbtyeda xwibq qrltfyaui fhpnlc cmfqibpyx zdhgbxk
Date: Fri 12/8/06 4:00PM
From: Kathleen Piper
Message: Countrywide is a PREDATORY LENDER. They solicit their own elderly and disabled borrowers on fixed incomes who currently have a nice low interest, fixed rate mortgage, and bait them with the sales line that they can reduce their monthly payment by maybe $50 to $100 a month with a fixed period ARM or Pay Option ARM. To these elderly borrowers, some who have diminished mental capabilities, who are payment and budget sensitive, this extra money for their budget seems good on the surface. Nevermind that the closing costs rolled into the new loan will take years to recapture if ever. Nevermind that the loan goes fully adjustable in as little as one month or a period of months. Nevermind that the new ARM probably has a prepayment penalty clause. Talk about pulling the rug out from under these payment sensitive borrowers.
It would make more sense to get a small, no closing cost, home equity loan and draw out that extra $50 or $100 a month of their equity to make up the budget difference. There's more profit for Countrywide by doing the full refinance. All those affiliate companies from Landsafe credit, appraisal, title, and escrow pump a lot of money into the company, not to mention the 3 point pricing profit that’s hidden on the backside through their higher rates, compared to what is readily available on the open market.
What do you call a company who refinances their own customer and they already have just recently refinanced them in the last 24 months or less. MORTGAGE CHURNING
Date: Thu 12/7/06 3:15PM
From: Current
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 executives.
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.
Date: Tue 12/5/06 8:05AM
From: Rick
Message: I work with several AE’s here at Chase that worked for BH at Wells. Wells couldn’t wait to get him out the door. Countrywide relishes in hiring people who have been fired. The CW belief is that there’s an evil in their belly and they can bring that fire with them to CW, just like BH has successfully done. True, CW has originated a ton of loans, however its just a matter a time until collections, foreclosures, and REO’s go HUGE. I believe it will start going south by the end of the 1st quarter of 2007.
Fasten your seatbelts CW, delinquency will go through the roof!
Date: Mon 12/4/06 5:24PM
From: PC
Message: I have been in the market to refinance my mortgage and have finally found a lender I think I can trust. In the course of my search I came in contact with Countrywide. After reading this website I became very cautious. The sales rep in trying to close me on a deal that seemed really great, tried to push me to pay for a $350.00 appraisal. Fortunately, I resisted and said no. Upon looking at what they were offering it turned out that it was not a great deal, and actually much more than the other offers I was considering. The person that I was in contact with at Countrywide, just plain lied. He misrepresented the cost of the mortgage.
Date: Mon 12/4/06 4:22PM
From: Rachael
Message: I am so upset about this company I just moved and after I got my phone hooked up I have received hundreds of calls from this company they always ask for Akbar and I have told them hundreds of times they have the wrong number and I don't even own my home I finally put my # on the do not call list but they still call several times a night and now I am getting 15 to 20 prank calls from one of there employees he is extremely vulgar I went as far to put annonymous call rejection on my line but for some reason there unknown caller is able to get through I have to go down to the police station to file a report like I have all the time in the world to deal with this but I can't let this jerk get away with this
Date: Sun 12/3/06 3:04PM
From: Rick
Message: I made the move to JPM Chase in September, 2006. I work 15 hours less a week, make the same money, and the U/W group is fantastic. Fund when they say they will fund and lock rates when they say they will lock the rate. There’s no hidden agendas, just great customer service and team atmosphere. 2 fellow AE’s moved over in October and couldn’t be happier.
I agree the West is too top heavy, however the top idiot resides in Plano. Mr. Mozilo and Mr. Sambol look the other way. It was all good when Joe Anderson was at the helm. I sure Joe’s better off anyway.
I spent 6.7 years at CW. Was fine the first 3 years, the last 3.7 was one huge nightmare. Oh did I mention one huge headache as well?
Date: Sun 12/3/06 12:39PM
From: Carrie
Message: If what you all say is true (and I’m not doubting any of it), then you need to go to the newspapers & television news shows. I know first hand, that’s the LAST thing CW wants to have - bad publicity. SO much garbage has been swept under the rug and out of the public’s view for that last few years. If what has happened to you happened to me, I be screaming it from the top of my lungs for all to hear
Date: Sun 12/3/06 12:02PM
From: A.
Message: Doug, John, and Joanne need to be thrown out to the sidewalk. What a bunch of clowns!
Date: Thu 11/30/06 7:22PM
From: S.
Message: As an underwriter at countrywide, I was asked to sign off on doc**ents that did not meet compliance. All the department wanted to do was to get as many loans closed and funded as possible. When I refused to sign off on the loans, I was considered not a team player. I was marked, picked on, hara**ed, falsely wrote up. They watched me like a hawk. All of a sudden my time became an issue. They wanted me in the office no later than 8:30am on time but never mind if I had to stay 7pm or 8pm at night and would even complain about me taking a lunch when the files were piled high and waiting to be reviewed. It was constant hara**ment. I was even pulled in the office by three of my managers and was given a piece of paper which I have stating that I can not turn down any files and all my work had to be reviewed by my boss and they basically tried to intimidate me. When I would take a file to them and tell them why I did not sign off on the file, they would say that the file was okay and I could sign off on the file and then they would tell me "NO" you sign off on the file and would try to force my hand. I got so fed up with what they were doing to me. They started to tamper with my paycheck. Sometimes, I would get a paycheck and sometime I would not. Sometime my paycheck was short. It got very frustrating to me. I rescind and have gotten approval through the EEOC to sue. Countrywide has some serious issues that need to be resolve very quickly. They way that they treat their people who have tenure is down right wrong. Management should be held accountable for their actions and changes need to be made starting at the top!
Date: Thu 11/30/06 7:13PM
From: U-2
Message: The latest macro data this week confirm the sharp US economic slowdown that I have been predicting and they point to a 0% GDP growth in Q4:
- New homes sales fell sharply and the excess supply of new homes is increasing; existing homes sales stabilized for the first time in 8 months (but such homes sales do not include the ma**ive increase in cancellations). At the same time housing starts and building permits literally collapsed last month.
- Non residential construction is now stalling too
- Mortgage applications fell sharply again for the last week
- Durable goods orders literally collapsed suggesting that corporate investment is sharply falling in Q4
- The Chicago manufacturing index, a leading indicator of the economy, is sharply down and below the critical 50 level.
- Consumer confidence has sharply fallen in spite of lower gasoline prices.
- Wal-Mart and most retailers announced mediocre November and Thanksgiving sales
- Initial claims for unemployment benefits are sharply up, a major leading indicator of the job market
- Consumer spending is now growing much less than incomes as households are retrenching
- The revision to the Q3 growth figures was not all good news: half of it was due to an increase in inventories of unsold goods (that will thus sharply weaken Q4 growth as inventory adjustment via production cuts is occurring)
- The US dollar is falling as the economic slowdown, the expectation of a Fed rate cut and an unsustainable US current account deficit as now taking a toll on the dollar.
- The US yield curve is more inverted than ever and even the Fed model of the yield curve is now pricing a 52% probability of a recession in 2007
- Even the US stock market sucker rally is now being shaken this week and today by the onslaught of bad economic news
So, while some of the revisions for Q3 were on the upside, all the main macro news about Q4 and about October and November are real bad. So, I find validation in all these data to my forecast that Q4 growth will be 0%.
So wouldn't you think now would be the time to have sales rally, marketing campaigns etc. You can actually make more money in slow then busy if you know what you are doing. Of course Ding and Dong have ZERO experiance/knowledge to teach LO's. Brain Frozen fools.
Date: Thu 11/30/06 4:25PM
From: .
Message: Good job on the JV with Genesis in Savannah. You two in ATL are M O R O N S!!!
It is almost comical the many huge deals that were HAND DELIVERED to you and you lose the deal, the 200+ lives you have disrupted since you came to CHL 2.5 years ago. Exactly what benefit are you to Region 18. You have accomplished ZERO!NADA! NOTHING! Unless, I guess you count getting rid of all the people you deemed were too smart for you to handle. What a couple of big time losers. Always were (Banc), and always will be.
Date: Thu 11/30/06 3:06PM
From: .
Message: Things are rough at ROC, crying, people quitting etc, same crap and they all keep hoping d casbon and j steele will go so that life at CW could change, but most people just leave. They are tired of waiting. Very short shelf life at ROC, the other one is ja hill who needs to go and who never ever was qualified for what she is doing. another zach parrott mess, of course that ones run like the roach that he is.
Date: Wed 11/29/06 8:15AM
From: ?
Message: I have worked at CHL now for 6 years. There’s way too much drama here and what a joke it is. 60% of the employees here just screw around. It’s a miracle anything gets done. Long lunches, 25 minute breaks, and smoking cigarettes, all on company time. It’s a carnival atmosphere here in the "ROC". Today starts the mad rush for all loan servicing employees to do their Christmas shopping on-line. Corporate should take away the Internet from all employees and just give to those who use it for “actual” business purposes.
I’ve said it before “do I care?” yes, however VP’s, 1st VP’s, SVP’s here just look the other way.
Mr. Sambol and Mr. Schakett both need to step in and fix this mess and layoff these knuckle heads.
Date: Sun 11/26/06 12:45PM
From: Rick
Message: Yes CFC is continuing reductions in CA. The buildings you mention are leased. Leases are likely up with no reason to extend, while Warner Center (much nicer location) has some time left on it. CFC waiting for a couple of more buildings in AZ to be completed and business units will be relocated there. India operation in full swing too.
In Agoura the buildings are staffed with many departments ranging from finance, HR, Facilities, payroll, security, IT, US/India operations, and the bank.
It’s an ancillary “big closet” for corporate on Park Granada since they need to expand larger offices for all the MD’s and SMD’s there to include private bathrooms for each office.
Talk about top heavy…..
Date: Sat 11/25/06 8:18AM
From: DK
Message: Here’s what I would suggest as far as checking my facts goes: call around to your contacts in HR and find someone who was on the HR Town Hall conference call held on Tuesday morning, and ask them what the response was to the question, “are the layoffs over.”
I’m no longer going to post here until I have a new job secured. I’ve certainly put my job and my family’s livelihood in jeopardy by visiting this place, and I don’t wish to be fired; my family depends on my income and this is not a place you want to be public about if you’re working at CFC. You go right ahead and check whatever you like. I expect to be out the door within a few more months at the outside, and I’ll post again after that.
I’m not an exec, but I’m senior enough and hooked in enough to have access to a reasonable amount of information. I believe that I have been very clear in my posts here about what is conjecture on my part and what is a “fact” or a comment for attribution. You believe whatever you want about the place; I believe it’s a takeover target (no, Angelo doesn’t own the company and doesn’t get to decide if it’s for sale or not folks, learn what “publicly traded company” means before you snap back that big Mo won’t put his baby up for sale) and I also believe that if the current executives cared two rips about it, they could turn it around. I believe that there will be significant efforts made to streamline operations and I know that some of these moves are being talked about on the third floor, although I do not know the details or to what degree there are specific plans yet. I know that there will be some additional layoffs in the near future and I BELIEVE that there will be significant layoffs some time in the next year to 18 months.
See you when I’ve landed someplace else.
Date: Wed 11/22/06 5:16PM
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: Wed 11/22/06 10:32AM
From: T in Plano
Message: I’ve been here 11 years in Servicing and hear all the horror stories from the production folks on our floor every day. It’s a sweat shop and their team managers demand long hours and weekends from each loan executive. These guys and gals work hard enough 10+ hours a day. No one can do 70+ weeks, they will burn out. They did indeed lift the hiring freeze due to a ma** exit and they realized they could not maintain employee retention. I look at the cubicles around me on the 3rd floor and there empty. It’s the same on the 4th floor and other buildings as well. I’m in Plano and see it all first hand.
This atmosphere was not evident when Joe Anderson was at the helm. You live in a bubble and have no clue what your talking about. Unless your really Brian H. pretending to be “in the know”. Or your likely one of the ruthless, toothless managers everyone loves to hate.
Date: Tue 11/21/06 5:28PM
From: Sarah J.
Message: I am a former employee of Countrywide. As a loan specialist working in an operations center, I have to make a statement here.
I was only there for 4 months and that was all I could stand. I had worked as a loan processor or specialist for many years and after my experience with Countrywide I am forever jaded.
After a couple months there I shockingly came to realize that they don't care about the customers but about the volume of loan files. I worked in a center with apx 40 other loan specialst and every one of us had a constant growing snowball on our desks... I hated walking into work every day because I knew I was facing the many calls and message from borrower who wondered when thier loan would close. I was never able to keep up with the flow of incoming new files and finally got frustrated and quit with over 60 loan files that were barely started.
Every employee there had tons of experience in the field and they all share my feelings. Know that most of the employees there honestsly desire to provide quality service, but I cannot blame them when they are so overworked they cannot even THINK past thier own pain, to feel for thier clients.
Signed a former employee of countrywide
Date: Mon 11/20/06 1:30PM
From: Melissa Hipe
Message: Thank you for contacting the Federal Citizen Information
Center.
Your message was forwarded to us for response from
the U.S. Department of Justice (DOJ).
We have received your message regarding Countrywide Home loans
of California.
If you wish to file a complaint against a mortgage or
finance company that does not fall under the purview of a
banking authority, there are several sources to consult.
You may first want to contact the Federal Trade Commission
(FTC) and file a complaint via telephone by calling toll-
free 877-FTC-HELP (877-382-4357). Representatives can be
reached Monday through Friday from 9 a.m. to 8 p.m. eastern
time.
In addition, within your state you can contact your local
consumer protection agency. To access a list of consumer
protection agencies, please visit:
http://www.consumeraction.gov/state.shtm l
We hope you find this information helpful.
We are unable to accept replies sent to our mailbox. If you
have any additional questions, please call our National
Contact Center at 800)-FED-INFO (800-333-4636), Monday
through Friday from 8 a.m to 8 p.m eastern time, or visit
us on the web at http://answers.firstgov.gov/
Date: Sun 11/19/06 12:55PM
From: Mary M.
Message: JS said that "if DS in Savannah thinks throwing other offers in his face will work, that Dave can leave, he is too big of a problem." JS needs to go because he is a TRASH ACT.
Why would an ASM be talking trash about other LO's to subordinates?
One more for HR.
Oh yeah, they are doling out $$$$$$$ to LO's they wish to keep, again. Go ask for your free X-MAS bonus money. GREAT management, boys! These two fools ARE so funny!
Date: Sat 11/18/06 2:58PM
From: Samantha
Message: I knew of Joe Anderson and he was the best senior manager in loan production. He’s an honest, reputable administrator who didn’t fit into the new business model of “creative financing”. So the company brought in Brian Hale to produce, and produce he has. He reported to Joe and Joe got fed up with Brian’s style. Joe being the type of honest guy he is had to decide whether or not to continue with the charade or resign. Joe opted to leave and now Brian is SMD of the CMD group. Some may recall that “creative financing” was a major contributing factor to the 1980’s real estate recession.
As for Landsafe, CFC should unload the company to a First American and/or Fidelity Title and then cut a lucrative business partnership with one of them for appraisals, title, pre-lims, credit, tax, and flood certification services. CFC will save a bunch of $$$$ in the 1st 6 months alone.
Date: Sat 11/18/06 1:56PM
From: To the Moon
Message: JS out prancing around telling subordinates that he banks 400k, and CHL loves him. OK?
Telling subordinates what one makes in income IS against company policy. Strike another one for HR.
Date: Wed 11/15/06 12:33PM
From: Mark Copel
Message: Avoid Countrywide Home Loans! I wish I had been given that advice.
I bought a home in GA in June. Took out a first and second mortgage loan with Countrywide with automatic withdrawal from my checking account. First loan fine. Second loan . . . PURE HELL!
I've filled out their forms for automatic withdrawal at least five times, not including when the loan was originally set up. Still I get a letter each month saying that my payment is past due! Phone calls get you empty promises including a "I swear to you that you are set up now for automatic withdrawal and this will not happen again!" -- Christine at Countrywide. Yeah right, honey. Its happened two times since then. And since I'm taking the time to write this to warn you, I obviously have zero confidence that they have it right this time.
With all the lending options and the small difference between rates it is amazing that these clowns stay in business. Obviously they are kicking back to the real estate agents who recommend them. Maybe that's the answer. If you join the long list of those screwed by Countrywide, complain to your real estate agent. They rely on referrals and a disgruntled former customer can cause them far more harm than the money they get for recommending Countrywide will offset.
Date: Wed 11/15/06 12:20PM
From: Toby Carter
Message: I just went through a disgusting experience in trying to do a refinance with this company. Their tv ads mentioned a combo loan to consolidate debt and pay off bills. I called to inquire if this was something I could do since I had a 2 mortgages and some credit card debt I wanted to combine. I had run into some trouble when my wife was unemployed for 2 1/2 months. The first time they told me they had problems with the debt to income ratios. Ok, they said they had a solution. Do a stated income/stated a**ets. I said fine...oh then lo and behold guess what...the appraisal came in low. Great job guys...I put the appraisal on the credit card that they said they would pay off with this refi. So they decided to do a pay option arm to lower my monthly payments for me. I said ok...it was the only option left to me. I needed to do something to lower my payments and pay off some of these bills. Well, by this time Countrywide has spent nearly a month and they still can't get my loan approved. I called them and told them I was disgusted with the service and the rep apologized and promised they would get my loan approved. They said they were really busy and they would get my loan done. He gave me the website to check my loan status. A couple days pa** and I check the website and it says the loan was approved and it was time to set the closing date. I called and wanted to verify this and he a**ured me the loan was in the hands of their closing dept. He told me to sit tight over the weekend and it would be smooth sailing. Well I call back Monday and guess what I hear...loan denied. LOAN DENIED. I screwed with this company for over a month and endured misleading promises and false hope. They botched the loan...the underwriter killed it because she saw income doc**ents and my loan was a SISA and somehow that killed it. I asked for my appraisal money back...too bad it's non refundable and I can't even transfer it and use it again. This company sucks and has their heads up their rears something awful. If you can't help somebody just say so...don't mislead them and string them along. Is it too much to ask for honesty and accountability
Date: Wed 11/15/06 12:11PM
From: Mr. and Mrs. R Parson
Message: CountryWide is the most unprofessional company we've ever dealt with. We received many letters stating we have over $100,000 in equity and how simple it would be to get a loan based on this. So since we wanted to finish our basement, we started the process, back at the end of August. We were aware that it was not the perfect scenario with our credit scores and everything, so we did everything that was asked of us, cleaning up a few collection accounts on our credit report. We were told SEVERAL times, that is was a go, and would be processed ASAP. After almost 6 weeks, still nothing from CountryWide. We already had an anniversary trip planned and paid for to Mexico, so we went in the middle of October after being told by our loan officer, that everything could be finalized while we were there as long as we had internet access and access to a fax machine (which we did). Well our relaxing stress-free vacation, was not that. After several emails, phone calls trying to finalize this (to give us some spending money - since we pretty paid everything off that they asked us to prior to leaving the country)still nothing. The day before we left, we were told that we could go to the consulate and sign everything, we decided to wait until we returned to the US. There was lots of bickering back and forth about how much cash in hand we would get and what they would pay off. Well we returned, and heard aboslutely nothing back from CountryWide after several voicemails requesting they call us back so we can get this finalized. We finally got a return call from our loan officer stating it was out of his hands and on his supervisor's desk. But it was all approved. As of yesterday, after several MORE voicemails and no callbacks we looked elsewhere. As of today, we have more than 5 different offers for lower interest, more cash in hand, as well as credit cards getting paid off!!! After a nasty email to CountryWide we got a call back (go figure!) What they were willing to do was terrible - high interest- 11.5%, paying off only 1 account - $24,000.00 and no cash in hand. The offer we decided to go with (through a different company, much smaller than CountryWide)came in at 6.2%, paying off the same account $24,000.00 PLUS $19,000.00 cash. And everything can be finalized in 10 days! So basically we told CountryWide to pack sand!!
I have worked in and with many customer service companies over the last 20 years and NEVER have I ever seen such poor service. They are terrible! They string you along, lie to you, and don't return your phone calls all the while your credit is getting ruined!!! We were told that our bills would be cleared up, which after almost 3 months of dealing with this unprofessional company still has not been done! DO NOT DO BUSINESS WITH COUNTRYWIDE! We will also be filing a complaint with the Better Business Bureau. CountryWide should NOT be in business.
Go elsewhere if you know what's good for you!
SINCERELY,
2 VERY unsatisfied customers!!
Date: Wed 11/15/06 11:24AM
From: Ms. Helpful
Message: This came from the Florida tab
Date: Mon 11/13/06 3:50PM
From: Colon Gowell
Message: It is true Charlie Rodgers use to work for JP Mortgage & Chase which is a subdivion of Chase Mortgage Company in the Miami, Fl branch office. I was there right before he left Chase to go to Countrywide back in or around about July-Aug/2003. He was known at Chase to cut corners by getting ride of the little people first and lovedddd to do Layoffs (Just as much as he loved blondes!)You know...Anything to stop his pockets aka bonuses from being touched!!! When his leadership fails (because he is too busy playing golf and sporting one of his many porshe's)his favorite solution is okay lets do another layoff which he did frequently at Chase and now I hear at CW. He is not at all about the little people in the company and lovees Money and looks out for his friends only and put them in big name positions whether or not they are qualified!! I really feel sorry for Angelo Mozillo since he is now old and obviously taken advantage of! I am sure they are waiting for him to die soo they can salvage the company to Ashes. (Money hungry bastards)I will not be surprise if after they detroy CW a couple of years from now that they will have to sell it or merge with another company! Mark my words!! They usually come true!! Mr. Mozillo's once "Company of Choice" has went to the dogs with the leaders being a bunch of money hungry pack of wolves!!! This company is now = yolk with Enron and has a cut throat sigma surrounding it! I truly believe CW will never be the Company of choice it use to be! God is right!! Money is the root to all evil! God Speed CW!! God Speed!!!! Word of advice C. R....Get right with GOD if you even know who that is Lucifer.. Armageddon is right around the corner and the likes of your kind will be the first to go!! Just like in Noah's days! You may think your high but not higher than GOD for he sees and knows everything!!!
Date: Wed 11/15/06 9:58AM
From: Ms. Helpful
Message: Bill Healy never saw it coming. The head of a successful division of a major financial institution, he'd just been interviewed for his company's newsletter when he got the call. He was to be one of the 103 employees let go as part of a corporate restructuring.
Healy felt blind-sided and betrayed. "I had over 15 years of service and even sat on a restructuring task force," he relates. "I had no idea I was vulnerable."
When layoffs are ahead, you need to watch your behind. Here are six ways to prepare and protect yourself:
1. Get Organized.
Print and take home personal files on your computer and locate copies of your performance appraisals and other personnel records. Review your status reports and project files to help you update your resume so that it reflects all of your recent accomplishments and newly acquired skills. Think about what you might want to do next and whom you might want to use as a reference.
2. Get What's Coming to You.
Take advantage of any perks and benefits to which you are entitled. Schedule your checkups and tend to any dental or medical issues while you're still insured -- especially if you've already met your deductibles.
If you've got a flexible spending account, turn in all outstanding claims to avoid forfeiting any balances. In addition, know exactly how much vacation and floating holiday time you've used and make sure you've taken credit for your holidays. (Most companies will not honor unused holidays, but will pay you for any remaining vacation.)
3. Get Connected.
Spend at least one to two hours a day networking. Call your friends, former co-workers and clients. Attend your professional a**ociation meetings. Talk to headhunters and corporate recruiters. This is a good time to help others who may be helpful to you in the future.
4. Get Searching.
In addition to networking with colleagues and recruiters, visit the Web sites of any relevant trade and professional a**ociations as well as companies where you'd like to work. Check print and online job postings to see what the requirements of your desired next job are and note any gaps in your experience or skill base.
5. Get an Exit Strategy.
The HR folks will be working from a script when they give you the news. Make sure you know what you should say, too. If no information about severance pay has been communicated, check the company policy manual to find out what is standard practice. Do not agree to sign anything then and there; say that you need to review the proposed agreement with your legal and financial advisors.
The National Employee Rights Institute (NERI) contends that employees have more bargaining power than they realize. And it's not only the amount of severance pay that is negotiable. Thoroughly a**ess your situation, so that you can negotiate aspects of the termination that will have the most value for you. For example, if the layoff occurs shortly before a bonus will be paid or before a service anniversary that would increase your vesting rights in any company-sponsored retirement or profit-sharing plans, prepare a case that you should be entitled to receive that payment or additional vesting.
Also think about receiving your severance payment as salary continuation rather than a lump sum agreement. Salary continuation often allows for a continuation of disability benefits and also lets you answer "yes" when asked if you're still employed.
6. Get Fired Up!
When layoffs are looming, the best course of action is to stay positive and place yourself in a position of strength. Remember, change is an accelerating mechanism. It can bring about hardship and anxiety if you try to avoid it, but tremendous opportunity if you accept and welcome it.
Date: Tue 11/14/06 12:25PM
From: Rick
Message: "I don't think we've seen the bottom yet," Home Depot Chairman Robert Nardelli said during a conference call. "I don't see anything that suggests it's going to get significantly better in '07." Wow! The more the housing related industry goes down, the more CFC goes up. Hmmmm!!
Date: Mon 11/13/06 7:02PM
From: Michelle M.
Message: Sound familiar, DUDES?
Left: August 20, 2006 By: In:
No wonder the Vice Presidents hide in their private offices instead of going out on the floor where the workers are. They get scared when the PLCs ask them a loan question and they can't answer it nor will they take the time to find out. Just consult the loan program guidelene. What a joke. That's what your job is. It doesn't take much to get a VP title at Crappywide. There's hundreds of them. Mike Mathews is the most worthless VP of them all in AZ.
Date: Mon 11/13/06 5:43PM
From: Mark
Message: Savannah and Brunswick? A "micro" of your overall management (skills?????)
Date: Mon 11/13/06 10:16AM
From: Marcus
Message: I am a former CHL employee. I worked their for 10 years. When I started work there I loved it. CHL was a progressive and state-of-the-art company, industry leader and pioneer in the mortgage business. I worked hard and made a lot of money. There were terrific managers throughout the company, including Joe Anderson who ran the retail division (CMD). In 2000 CHL decided it needed to hire loan officers and become a more traditional lender. That is when the company started to sour. Someone else posted a story to this site about Brian Hale. I always felt that Brian Hale was the beginning of the end for CHL as a great place to work. I was no longer important, only the numbers I produced. And the numbers were never high enough (even though I won awards as a top producer). More more more was all they wanted.
In regards to the rates and fees - CHL had the highest interest rates in my market. They were, by far, higher than any other lender or broker - it was almost a joke. How could I be successful, or my branch be successful, if I couldn't compete. "That is not an acceptable excuse" is what I was told.
CHL started their own in-house vendor management company, called Landsafe. We were mandated to order from Landsafe - all credit reports, appraisals, flood certs, title, etc. The appraisal fees went from $225 (ordering direct from the local appraisal companies) to $390 ordering through Landsafe. CHL wanted their piece of the pie and inflated the fees by providing a service (what service? They acted as a middle man.) My CHL stocks did great, but I was priced out of the market both on rates & fees.
I also got my own home loans (1st & 2nd) from CHL. My home was new construction so after a year I went through escrow analysis and, as expected, I had an escrow shortage. CHL sent me a coupon which was clearly printed as "ESCROW SHORTAGE" in which to mail in a lump sum. I did this using their coupon. Lo and behold they applied the escrow shortage check to principal. (I had automatic debit of my regular payment, so did not normally mail any payments.)
It took me 5 months to get them to correctly apply the escrow shortage, and I worked there! When they finally backed out all of the payments - back to the one that was misapplied - they reapplied the payment - to the principal again! HEL-LO! And I had to go through the whole process again.
Their Payment Processing Center has to be in the bottom 10 worst in the world. I received many, many phone calls from people (my customers) who had payments misapplied, go missing, or be applied to the wrong customer's account.
I have since left CHL because I could no longer be successful there. I was very sorry to go, because I had seen how great the company once was, but it was being driven into the ground by the current senior management.
Date: Mon 11/13/06 10:13AM
From: Lee S.
Message: This is what a former Vice President of Countrywide had to say :
“Countrywide is a very executive driven culture and not employee
oriented. The executives are like kindergarten children and must get
their way or they scream and yell. They have no respect for the
average employee. As professional employee, I have been yelled at and
reprimanded many times for things that are not my fault, things as
simple as my a**istant did not process a request fast enough or one of
my staff sent an e-mail that was perceived as “not respectful enough”
by one of the executives. Countrywide does not “walk the talk.” The
stated values are “People, Pa**ion, Principles” but everyday I am asked
to make exceptions to policies for the executives but when an employee
makes a similar request, I am told to deny it. I recently attended a
speech by one of the senior executives and he mentioned that
Countrywide is at the end of the refi boom and that it will be laying
off 800 loan processors. He had to make a recommendation to the CEO
about what to do. So he went into his office with several scenarios.
The CEO said, “Let’s whiff em.” (or some equally mafioso term, I don’t
recall the exact wording from the speech, but I recall being appalled
by the language.) The exec said, “Well maybe we should keep some of
them on because the refi business might come back or we could use them
in another capacity…” etc. etc. The CEO said, “So far, all you’ve
been doing is guessing. It sounds like you are really good at
guessing. If things change, we can bring some back or hire new
people. But right now, we don’t need them. So what part of Let’s
whiff ‘em don’t you understand?” And so the decision was made to lay
off 800 people. And then the senior exec moved on to the next part of
his speech. Believe it or not, this information was shared in a public
forum to over 200 Countrywide managers. It’s this kind of callousnous
that I find appalling. The executives spend a lot of time on the golf
course and they are quite competitive too. If they are not placed on
the right foursome, all hell breaks loose. They justify the golf
tournaments as charitable expenditures. The only charity I see is that
the execs get to play golf and enjoy a free, all expenses paid weekend
at an upscale resort. This year, the CEO’s total compensation was $35
million (of which about half was a cash bonus)while many employees were
lucky if they got a 3% raise. And the stock option plan was greatly
reduced. Now the majority of new employees need to wait 2-1/2 years to
even be considered for stock options and hourly employees may never see
stock options since the waiting period is 10 years. Micromanaging is
part of the “Countrywide Way.” Senior executives get involved with
nitty gritty details and then they call my boss (sometimes they even
yell at my boss) who then calls me which then causes me to get on my
staff’s case. All this builds up stress along the chain. I have been
so stressed out this year that I finally went to a psychiatrist and I
am on anti-depressants to deal with the stress so I can continue
working while I look for another job. Every day, I remind myself that
I am a nice person with integrity. At Countrywide, the culture makes
it easy to forget who you are and what really matters.”
Date: Mon 11/13/06 10:04AM
From: Roy M.
Message: I would like to let the world know that my mortgage company, whom I did not chose to be my lender, lacks credibility and common sense. Furthermore, they are sloppy, lazy and they condu | |
