Countrywide Financial Massachusetts Home Loans Sucks

COUNTRYWIDE HOME LOAN SUCKS!
Home My Story Submitted Stories More Stories Contact Me

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

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

Need A Home Loan MA, 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 Massachusetts (MA) have been saying...

Massachusetts Home Loans Sponsored By US Home Loan
ADD YOUR STORY
Date: Sat 02/17/07 5:11PM
From: JAMIE

Message: THANK YOU COUNTRYWIDE FUCK HEADS FOR TAKING MY HOME.. YOU SCREW UP WHEN YOU PLACE A HOMEOWNERS POLICY ON MY PROPERTY KNOWING THAT I FAXED YOUR 4 TIMES THE DEC PAGE AND YOU STILL REFUSED TO CREDIT MY ACCOUNT THE CORRECT WAY AND REFUSED TO SEND ME COPIES OF MY LOAN TO SHOW ME HOW MY PAYMENTS WERE APPLIED. I HOPE YOU ENJOY TREATING PEOPLE LIKE CRAP MUST MAKE YOU FEEL SO MUCH BETTER !!!LOOOSSSSEEEERRRR
Date: Sun 01/28/07 6:42AM
From: Emma

Message: Great work!
http://eqxuxujp.com/yhxi/dmnv.html | http://ltdefeis.com/wqfi/dwyb.html
Date: Sun 01/28/07 6:42AM
From: Joan

Message: Great work!
<a href="http://eqxuxujp.com/yhxi/dmnv.html ">My homepage</a> | <a href="http://nwhwqxmu.com/qkoi/lvfz.html ">Please visit</a>
Date: Sun 01/28/07 6:41AM
From: Monica

Message: Good design!
[url=http://eqxuxujp.com/yhxi/dmnv.html] My homepage[/url] | [url=http://ueljfdmf.com/aldk/brlu.html] Cool site[/url]
Date: Sun 01/21/07 5:15PM
From: ron

Message: I applied for forebearace on my $500, k mortage last November, CW never responded after I faxed all the doc**ents they requested, fast forward 3 months ! and now I'm asking them again and still no response from their problem department. CW now has the foreclosure going through Feb 4 and the house is to be sold on the Feb 19th.
GIVE ME a FRIGGIN BREAK, THERE IS NO ONE IN CHARGE AT COUNTRY WIDE
Date: Sun 12/31/06 2:52AM
From: yxwgirj zymv

Message: fqrhsde qegbvlci qozbekv ziryfhtnq kfjwpas filewxq evqiuxtwk
Date: Fri 11/10/06 1:02PM
From: Anna

Message: My loan was just sold to CHL. But before I would even send a payment I called them first. It take 30-60 for transfers to happen with ANY mortgage company. I waited until I had a loan # from countrywide. everything I've been reading (I don't know know much about the mortgage industry) but people are sending cash, just mailing payments w/o new loan #'s. I've spoke with 3 women from this company, all seemed liked they knew what they were talking about. I'm even thinking of going with one of their loan programs.

Left: August 04, 2006 By: Truth Commission In:

Re: July 17th post.

Well folks, you all see the e-mail sent by Brian Moloney of Countrywide to loan officers in other companies. That is his phone for sure. Give it all call. That's concrete evidence for anyone just stumbling on this website of Countrywide's degenerate conduct.

If you run another mortgage company, and you get those solicitations from Cuntrywide, talk to your attorney!


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 19, 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 17, 2006 By: NA In: Danvers, MA

I run a successful mortgage company that lends in 13 states.
Countrywide is getting so desperate that it is sending e-mails DIRECTLY to our loan officers and other competitors as well. Talk about no moral values or character. From what I read here, they seem to apply the same moral character when lending to their customers. We used to sell loans to CHL until 11 years ago. They are bad news. Incredible that they can become as large as they have.

From: Brian_Moloney@Countrywide.Com
Date: Fri, 14 Jul 2006 14:39:54 -0400
X-Form: Memo
X-WSS-ID: 68A93B773HW9154-04-01
X-Spam-Checker-Version: SpamAssassin 3.0.4 (2005-06-05) on ls09
X-Spam-Status: No, score=-2.3 required=6.0 tests=BAYES_00,HTML_10_20,
HTML_MESSAGE,NO_REAL_NAME,SPF_HELO_PASS,SPF_PASS autolearn=no
version=3.0.4
X-Spam-Level:


I am sending this email to you to inform you of the exciting opportunities for experienced loan officers to join Countrywide Home Loans. We are the #1 Purchase Lender in the U.S., Massachusetts, and in Norfolk, Plymouth and Bristol Counties. We have expanded greatly over the past year and continue to grow as the market contracts with our goal to dominate the market.

Our benefits are great including Deferred Compensation and Stock Purchase Options. I guarantee you will earn more commissions with Countrywide.

Please feel free to contact me at the numbers listed below to discuss. Thank you.

Brian T. Moloney
Vice President Area Sales Manager
Toll Free-888-826-9747
Cell:617-429-5411
Fax:508-884-5044


Left: July 17, 2006 By: NA In: Danvers, MA

I run a successful mortgage company that lends in 13 states.
Countrywide is getting so desperate that it is sending e-mails DIRECTLY to our loan officers and other competitors as well. Talk about no moral values or character. From what I read here, they seem to apply the same moral character when lending to their customers. We used to sell loans to CHL until 11 years ago. They are bad news. Incredible that they can become as large as they have.

From: Brian_Moloney@Countrywide.Com
Date: Fri, 14 Jul 2006 14:39:54 -0400
X-Form: Memo
X-WSS-ID: 68A93B773HW9154-04-01
X-Spam-Checker-Version: SpamAssassin 3.0.4 (2005-06-05) on ls09
X-Spam-Status: No, score=-2.3 required=6.0 tests=BAYES_00,HTML_10_20,
HTML_MESSAGE,NO_REAL_NAME,SPF_HELO_PASS,SPF_PASS autolearn=no
version=3.0.4
X-Spam-Level:


I am sending this email to you to inform you of the exciting opportunities for experienced loan officers to join Countrywide Home Loans. We are the #1 Purchase Lender in the U.S., Massachusetts, and in Norfolk, Plymouth and Bristol Counties. We have expanded greatly over the past year and continue to grow as the market contracts with our goal to dominate the market.

Our benefits are great including Deferred Compensation and Stock Purchase Options. I guarantee you will earn more commissions with Countrywide.

Please feel free to contact me at the numbers listed below to discuss. Thank you.

Brian T. Moloney
Vice President Area Sales Manager
Toll Free-888-826-9747
Cell:617-429-5411
Fax:508-884-5044


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

Re: Mr: "THE TRUTH"

You call yourself the truth? You're about to be busted by Truth Commission.

This website is not bullshit, but YOU ARE :)

We know you're another goon in Countrywide's managment, so its obvious you would accuse people who have legitimate complaints of your company to be wrong. We also know you would lie to protect countrywide as well.

The person whom recommended we go to the press is in the right, you're in the wrong. And we will go to the press. You're company's days are numbered.

Next time write something intelligent! Because you waste the time of those who think you have anything worth reading.

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!!



Left: July 15, 2006 By: The Redeemer In: Worcester, MA

A couple of months ago, some fuckhead from Countrywide FSL in Worcester, MA calls my number, leaves a message for "Mark and Janis".(he has the wrong number), says he wants to talk about refinancing. then for the past 2+ months, I get calls 3 times a day from the same number in worcester (508-853-4083). When I pick up, theres no one there. These pigs need a big Lawsuit slapped on there asses for harrassing me. Then Cremate the Sons of Satan.


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 11, 2006 By: In:

go to the press is right on, go to a lawyer and file overime if you are an employee, and go to the fraud units if you SUSPECT fraud has occurred if you are either a customer or employee!!!


Left: July 11, 2006 By: In:

just go to the press and report the criminals, not a cusotmer, an ex employee who is providing info...how about the poster on a countrywide sucks board who sticks up for countrywide???? hahahaha , now we have a company sent represtative showing us they are worried worrried worried and has visited every state on the board...hahahaha

this company is worried now, hates this site and can actually sends virusses to it, the company blocks it in its internal systems so its employees cant see the turht of how the company treats cusotmers and employees.

the poster is great proof they are soooooo worrried, it is why the company requires ALL customers to sign arbitration agreements, which does not mean they cannot go to the local fraud units and does not mean they cannot go to the press, that is why the company forces ALL employees to sign arbitration agreements....got keep it out of the public.

luckily for the public, California Overtime was opened to Class Action, and what did Countrywide crap do? Setlled before any one was sworn under oath....hahahahahaha $30 mil worth of, oh it had no merit!!! when it was started by just 3 peole, 3 employees who said f this crap and got a good attorney, sure enough it was right on, also look a dAvid Boise, he represented clients also, and his a top attorney, not one to pursue stuff that won't pay him..

the clowns here who post pro countrywide are sent by the company because they are nervous nervous nervous...fact.


Left: July 11, 2006 By: THE TRUTH In: this website is pure bullshit

why is that when you look at the posts for the individual states does the same post by the anonymous disgruntled customer keep appearing encouraging people to go to the press. AWWWWW did someone get a bad loan....poor baby....you must be so hurt....you want a blanky.....you want your bwanky....huh...how about a cookie.....


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: June 28, 2006 By: In:

go to www.msfraud.com and make a post there. you may also want to contact I know who is a consumer advocate for mortgage servicing fraud. his name is nye lavelle, and you can e-mail him at mortgagefrauds@aol.com good luck


Left: June 27, 2006 By: poed In: Massachusetts

These people have no clue, they really don't. we have been dealing with an "issue" for over 6 months, we would love to pay off our exsisting balance, but the person "in charge" of our account refuses to return our call, (for the record at least 5 times a day for the past 5 months)...literally, we have every call documented, and called by our cell phone to document it..
Now our home is going up for auction in weeks..Just got ahold of someone who can tell us whats giong on.. now we owe them an extra $5000 for "lawyers fees, advertising & Other fees".
Because some douche bag was "too busy" to return our calls, so now we have to suffer..and their answer.. well sir, its not our fault your house is in forclosure..
we aer sending our balance due, nopw that we have a correct amount...or so we thought.. After reading how bad these guys suck..I called back before sending check certified..oh no, they gave us the wrong amount its actually another $1500..WTF!@ So now we have a final count....
I hope they get our check and apply it right before we loose our house..
Dont use these freaks..sooooooo unprofessional, Do not stop.. find a new lender.
POED in MASS


Left: June 20, 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 missing payments has been increasing in the last few years.

That is why it is now taking Countrywide 30 to 40 days to close a loan. Also because Countrywide now has a lot of untrained, inefficient, and disorganized underwriters and processors. (Countrywide may now also be too cheap to hire an adequate staff)

That is also why payoffs and other items are now coming out wrong.

Also Countrywide requires just about all of its loan originations to use LANDSAFE appraisal, a company owned by Countrywide itself. Their appraisals are extremely conservative, and 9 out of 10 of mine and other A/E’s came in OVER $10K less than comps. Even if the home was in good condition. This forces the A/E to restructure the loan a higher rate, less cashout, fewer bills paid, or a some combination of the factors. Their appraisals set the road for disguised predatory lending, and bait and switch.

Wake up Joe D! Have you ever studied the life cycle of an organization? Check it out. It comes in four stages: Introduction, growth, maturity, and decline. Right now, Countrywide is slowing down in the growth stage about to hit maturity. The only thing holding right now is the brand name its built from its past. And if Countrywide continues with its path, it will not be long until it is in its decline stage.

ENRON WAS ONCE A FORTUNE 500 COMPANY. Countrywide is riding in the same path.

Also Countrywide was recently sued in California from its conduct as an employer, and apparently it never learned from the lawsuit. Another lawsuit will happen.

Joe D. you are not in the position to call the people here "Jerk Offs". Especially if you're another goon in Countrywide's management. Because only someone in CW management would stick up for Countrywide the way you just did.

Not to meantion Joe, you posted your same pathetic post on all 50 state pages here, claiming to be from different local cities.

And to the Pro-CW idiot who keeps taking up the excessive space in the forum with blank lines. GET A LIFE LOOSER.

You will not keep others from reading the previous posts.

**And to the individual who wrote the funny story about the signer showing up late. Please don't post the same story on different state pages claiming to be from different local cities. Although you have a great sense of humor. And yes, there are alot of Countrywide employees and managers who actually do use drugs. Knowing many in Arizona and California, this is real.


Left: June 14, 2006 By: In:

see colorado




Left: June 14, 2006 By: jill thompson In: boston

We had a Countrywide agent come to our home. When he showed up 45 minutes late reeking of booze he told us he had car trouble. When we sat down at the kitchen table a small glass pipe fell out of his left brest pocket. Clearly this was an instrument used to abuse drugs. My husband & I asked this person to leave our home and declined his loan offer. Watch out for these guys!



Left: June 13, 2006 By: In:

CHL = Enron


Left: June 11, 2006 By: In:






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

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 13, 2006 By: In:

Enron ? S&L crisis ? CHL ? Hmmmmmmmmmmmmm


Left: April 11, 2006 By: In:

great spelling :>


Left: March 15, 2006 By: Charlie Shay In: Tyngsboro,Massachusetts

Absloutely impossible to get a live body there.I was trying for a half hour to get a live body and in the meantime i got blister's on my finger's till i gave up trying.Absolutely the wors customer service i have ever TRIED to deal with.I am going to seek another mortgage co asap.


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 18, 2006 By: In:

intelligent comment


Left: February 16, 2006 By: fkdjoisrjkljkdvcljdsgfjkdshfgjkhedrlgjkh In: klgfjoie;rutnvbmndsgfjdfjgh'dsghl;dfkgkl

Homophobes are so gay. You should all suck eachother off!!!!


Left: February 09, 2006 By: In:

your rate went up because the federal funds rate has increased .250% for the past 6 months. ever hear of greeenspan ? i do think you will get better raet with your local cu/bank though.


Left: February 08, 2006 By: M & J Poisson In: Bernardston

When we got our home equity it went through MBNA (another rip off credit card), the interest rate was 3.99%. That was 2 1/2 years ago and my last bill was 9.75%. 4% higher than my mortgage. It kept rising 1/4% almost every month in 2005. We are going to a local credit union to see what they can do for us. We have excellent credit and countrywide will kick you in the a-- no matter how much you make or who you are. I hope I can say, "See ya!"


Left: February 03, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN

Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. That’s right, no application fee, no appraisal fee, no title fee, no underwriting fee, NO CLOSING COSTS.

NEVEVERMIND THAT IT’S A VARIABLE RATE ARM (Prime Rate+) LOAN.

NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY).

NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE.

No one can screw you like Countrywide can.


Left: February 03, 2006 By: jake In: cali

Improper Home Charges

Read then File a complaint

www.zimmreed.com




Left: January 29, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN

Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. That’s right, no application fee, no appraisal fee, no title fee, no closing fee, NO CLOSING COSTS.

NEVEVERMIND THAT IT’S A VARIABLE RATE ARM (Prime Rate+) LOAN.

NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY).

NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE.

No one can screw you like Countrywide can.

GO GET A BETTER RATE & SERVICE AT YOUR LOCAL BANK OR CREDIT UNION.



Left: January 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 28, 2005 By: J-DOG In: wORCESTER

Top producer! How much can you make 1st year at full spectrum as an ae?


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: November 03, 2005 By: TOP PRODUCER In:

I'VE NEVER READ SUCH BS, AS I'VE READ JUST NOW! I HAVE A FEELING MOST OF YOU BABIES WHO GOT FIRED BECAUSE YOU WERE DOING FRAUD OR THOSE WHO THINK GOT THE SHORT END OF THE STICK PROBABLY HAVE 500 FICO SCORES, BECAUSE ONLY UNGRATEFUL BRATS COMPLAIN. CHL IS AMERICAS' #1 RESIDENTIAL MORTGAGE BANK IN THE WORLD! NO OTHER BANK CAN COMPETE. OUR RATES, OUTSTANDING CUSTOMER SERVICE, AND UNDERSTANDING OF THE MORTGAGE INDUSTRY WILL ALLOW US TO DOMINATE FOR YEARS TO COME. 1 OUT OF EVERY 3 PEOPLE HAVE A CHL, GO ASK YOUR NEIGHBOR HOW HAPPY HE/SHE IS WITH US. I DARE YOU!

THIS GOES TO ALL THE STUPID PEOPLE ON HERE: WHAT MORTGAGE BANK DO YOU KNOW THAT SPLIT 3 TIMES IN ONE YEAR AND HAD A ROR OF 90%?? ANYONE? YOU THINK WAMU, CHASE, WELLS, HAD A ROR OF OVER 90% IN ONE YEAR?? NO! THEY DIDN'T! BUT COUNTRYWIDE HOME LOANS DID. I SEE WHY THE AUTHOR OF THIS WEBSITE CREATED THIS WEBSITE; TO MISINFORM POTENTIAL CUSTOMERS FROM DOING BUSINESS WITH US. WHY IS IT THAT THIS WEBSITE ONLY HAS NEGATIVE POSTS?? NOTHING BUT A BUNCH OF BIAS KIDS. I'M GOING TO BE CHECKING IN A WEEK TO SEE IF THIS POST WAS POSTED, IF NOT THEN I KNOW WHAT THE AUTHOR HAS IN MIND AND THAT IS TO WEAKEN COUNTRYWIDE HOME LOANS. HE/SHE WOULD HAVE TO KEEP THIS WEBSITE FOR 10,000 YEARS BEFORE ANYONE STARTS HAVING DOUBT IN THIS COMPANY. IF SOME OF YOU GOT FIRED FROM THIS COMPANY, I'M GLAD! WE DON'T WANT YOU ANYWAY. WE ONLY WANT THE BEST WORKING HERE, GO TO OUR COMPETITORS THEY'LL HIRE YOU/ AND WE'LL CONTINUE BEING #1 IN THE WORLD IN RESIDENTIAL HOME LOANS. TAKE CARE GOD BLESS!

PLEASE ASK ME ANY QUESTION. AND STOP COMPLAINING THAT YOU DON'T KNOW WHERE TO SEND YOUR PAYMENT, THAT COMMENT IS AS OLD AS DINOSAURS. CALL THE MORTGAGE CONSULTANT YOU DEALT WITH AND HE'll DIRECTED YOU IN THE RIGHT PATH. WE ARE HERE TO HELP YOU ALONG THE WAY, FROM YOUR FIRST CONTACT, TO THE CLOSING TABLE, AND YOUR PICNIC AT YOUR HOME WITH FRIENDS AND FAMILY! THANK YOU FOR YOUR BUSINESS! GOD BLESS! LIVE WITH PASSION!!!!!!



Left: October 21, 2005 By: David Ortiz In: Hull

Hey folks. This is David Ortiz...I'm back. But not with CW...I'm still happily employed at the GAP! Ta Ta for now. I'll write again soon.


Left: October 08, 2005 By: Greenpoint suckssssssssssssss In: Waltham

Countrywide? Please deal with greenpoint mortgage for a real screwing. High rates
and they call themselves the exception leader. Want to know why? there underwriters always create a situation that does nothing but slow down the deal and then they say, we will do the deal but it will cost you another .875%
But the fun don't stop there. Oh no
then they want to do an appraisal review
and chop that as well.another exception and another higher rate is to be added. Mortgage brokers they have you working for almost free.
Then the mortgage brokers have to charge points just to make money.Greenpoint one of the worst i have ever seen and worked with.As far as countrywide is concerned? Deal with a broker who uses countrywide, there wholesale is much better than there retail dept.


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: September 06, 2005 By: In:

WHY?


Left: September 02, 2005 By: In:

Sew buttons, Simpson.


Left: September 02, 2005 By: In:

So.


Left: August 30, 2005 By: In:

Ok, well I still think Varitek is GOD!


Left: August 30, 2005 By: In:

Whatever!


Left: August 30, 2005 By: In:

NNOOOMMMAAARRR!


Left: August 23, 2005 By: Fred In: Boston

No kidding! He uses #34 David Ortiz's name from the Red Sox. He probable does not even work for CHL!


Left: August 23, 2005 By: In:

There's no David Ortiz in the CHL roster either, slick. Anyway I did work for the coke heads at FSL. It's kinda funny how the guy running FSL 894 has 2 convictions for drug trafficking (1 more and he's done!). I'm willing to bet most of the complaints from these people here did business with FSL or a broker. Probably had bad credit to begin with.


Left: August 23, 2005 By: jerome In: da city

I juzz glad see David writing again! Yo wat up biotch? Ya gonna mezz up my lone too? word hom boy


Left: August 23, 2005 By: Fred In: Boston

"Ortiz" had an interracial childhood…very tough I hear.


Left: August 19, 2005 By: Matt In: NY

Man, I think that Ortiz guy had a rough childhood.


Left: August 19, 2005 By: FRED In: BOSTON

I KNEW ORTIZE WAS WORKING AT THE GAP. HE IS SEMI-RETARDED. VERY SPECIAL INDEED. I WANT MY 10% DISCOUNT TOO. WHAT DO YOU SAY DAVID?


Left: August 19, 2005 By: David Ortiz In: Hull

Hey "In", you retard, I do not work for those idiots in Braintree-Full Spectrum-but they did visit a few weeks ago begging for buisness. Those guys are crooks, especially now that they can A paper and call our borrowers and solicit them. I am with CHL, region 47, MA of course. The other "David Ortiz" is that racist "Jerome" pretending to be me and if you really input that name he gave, you are a moron. And when I do find other employment as I am currently looking, I will gladly then post my real name. Until then, I shall continue to pork you idiots and reap the benefits of this crumbling company. Keep it real people, especially you "In". You probably work for the coke heads in FSL. Doesn't status Mart suck? Not a fan of it. I hate how corporate can see everything now. Ah well.
-Rich and Happy


Left: August 19, 2005 By: In:

Well, if you gave me a real name you don't work for CHL or FSL. If you REALLY do work for CHL, why are you so afraid to give out your name?


Left: August 19, 2005 By: In:

You with FSL or CHL? Need to know for status mart.


Left: August 19, 2005 By: David Ortiz In:

My real name be Jerome Lamont Wilkens.


Left: August 15, 2005 By: In:

Hey David. What's your real name? I'll look up your production nubmers and post 'em here for everyone to see.


Left: August 15, 2005 By: trent In: mass

It's good to have "David Ortiz" back with us! How has the GAP been treating you? Are you still working for them? Are you serious about the 10%discount?


Left: August 15, 2005 By: In:

OK Darren!


Left: August 12, 2005 By: Darren Brennan In: Boston

I have had the pleasure of dealing with Countryide Mortgage not only as a consumer
but as a mortgage broker. They do care
and are aware of many problems that may exists.
They are fast and make things happen for first time home owners that others can't. Yes they do make mistakes and the only reason you people
down them is because they are the largest lender
in the north east. 1st. Esrows are never and i mean never a good idea. If the town tax rate goes up, so does your escrow, Is this countrywides faulT? No! As far as countrywide buying your loan. Read your disclosures
and ask for the servicing agreemnet.It will tell you if your loan will be sold. Imagine all the information is there and people never take the time to read it. Sad. I own my own mortgage company call zepplin financial. You write me
anytime and ask me for questions regarding lenders. I may not know everything, but do
have the phone no#s to the lenders that will
be able to help you. A lender is a lender.
They all can make mistakes. But Countrywide just happens to be one of the best out there.




Left: August 12, 2005 By: In:

David are you one of the Braintree boys? Do you enjoy ripping people off to look good for all of your cokehead boys?


Left: August 11, 2005 By: David Ortiz In: Hull

I think "In" and "Fred" are 2 homos from P-town.

-Rich and Happy


Left: August 08, 2005 By: In:

I think David Ortiz never worked for Countrywide.


Left: August 05, 2005 By: Fred In: Boston

I think David Ortiz got canned!


Left: July 27, 2005 By: Michael In: Chicago

If you think Countrywide is bad, take a look at this website and read about the REALLY bad ones!
http://www.mortgagereform.org/


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 18, 2005 By: In:

The GRU is probably "David Ortiz" again. I noted when reading his posts that he also liked to use the word "Afforded" in the same manner. Hi Dave!!


Left: July 15, 2005 By: THE GRU In: WAKETOWN

THE [REAL] GRU. I DO NOT KNOW WHOM WOULD HAVE POSTED MY NAME IN REGARDS TO THIS WEB-SITE, HOWEVER SHAME ON YOU! I WORKED FOR C/W-FSL FOR 19 MONTHS. EVERY HOME OWNER RECEIVED DISCLOSURES, COULD NOT CLEAR THE LOAN WITH OUT THEM-PERIOD! SPECIAL SOFTWARE IN PLACE THAT AFFORDED FANNIE MAE LOANS FOR BORROWERS WITH POOR CREDIT.

98.5% OF THIS WEB-SITE IS MISGUIDED BORROWERS WHOM DID NOT UNDERSTAND INFORMATION, OR HAVE IT EXPLAINED CORRECTLY TO THEM, OR TITLE COMPANIES THAT DID NOT DO DUE DILEGEANCE.
AS IN ANYTHING IN LIFE, WE WILL ALWAYS HAVE BAD APPLES IN A BUNCH. THOSE BAD APPLES WERE ALWAYS TERMINATED. TO ALL WHOM HAD A BAD EXPERIENCE AT C/W-FSL I APOLOGIZE. WORD OF ADVICE, NEVER EVER TAKE A LOAN UNLESS REFERRED BY A FRIEND OR RELATIVE. GOOD LUCK...


Left: July 15, 2005 By: THE GRU In: WAKETOWN

THE [REAL] GRU. I DO NOT KNOW WHOM WOULD HAVE POSTED MY NAME IN REGARDS TO THIS WEB-SITE, HOWEVER SHAME ON YOU! I WORKED FOR C/W-FSL FOR 19 MONTHS. EVERY HOME OWNER RECEIVED DISCLOSURES, COULD NOT CLEAR THE LOAN WITH OUT THEM-PERIOD! SPECIAL SOFTWARE IN PLACE THAT AFFORDED FANNIE MAE LOANS FOR BORROWERS WITH POOR CREDIT.

98.5% OF THIS WEB-SITE IS MISGUIDED BORROWERS WHOM DID NOT UNDERSTAND INFORMATION, OR HAVE IT EXPLAINED CORRECTLY TO THEM, OR TITLE COMPANIES THAT DID NOT DO DUE DILEGEANCE.
AS IN ANYTHING IN LIFE, WE WILL ALWAYS HAVE BAD APPLES IN A BUNCH. THOSE BAD APPLES WERE ALWAYS TERMINATED. TO ALL WHOM HAD A BAD EXPERIENCE AT C/W-FSL I APOLOGIZE. WORD OF ADVICE, NEVER EVER TAKE A LOAN UNLESS REFERRED BY A FRIEND OR RELATIVE. GOOD LUCK...


Left: July 15, 2005 By: In:

Countrywide is a Predatory Lender. Period!!!



Left: July 14, 2005 By: tHE GRU In: WAKEFIELD

I WORKED FOR COUNTRYWIDE--FULL SPECTRUM LENDING

I OVERCHARGED MY BORROWERS, WHAT WE CALLED JUICED. WE WOULD LIE TO PEOPLE, NEVER SEND LOAN DISCLOSURES TO THEM. SURPRISE THEM AT THE LAST MINUTE WITH ADDED POINTS AND FEE'S AT THE CLOSING , AND THEY WOULD BE FORCED TO SIGN.

I HAVE SINCE LEFT FSL AND PUT THAT TYPE OF BHAVIOR BEHIND ME. I AM VERY SORRY FOR THOSE THAT I HURT. BUT OUR BOSSES, ALL THE WAY TO THE TOP FORCED THESE TACTICS UPON US!!!!


Left: July 14, 2005 By: Paul In: Fort Worth

DO NOT WORK FOR THIS COMPANY. DO NOT WORK FOR ANY PART OF THIS ORGANIZATION. THE SHARED SERVICES DEPARTMENT IN FORT WORTH IS AS UNETHICAL AND DISRESPECTFUL AS THEIR ORIGNATIONS AND LOAN SERVICES DEPARTMENT. IF THE HUMAN RESOURCES DEPARTMENT CAN NOT GET THEIR ACT TOGETHER WHAT MAKES YOU THINK ANY BRANCHES OF THIS COMPANY WOULD BE ANY BETTER. DID YOU KNOW THAT LATE FEES ALONE PAY THE PAYROLL FOR THE ENTIRE COMPANY. THAT IS ACTUALLY DISCLOSED IN TRAINING.



Left: July 08, 2005 By: In:

He must have fallen into "the Gap".


Left: July 06, 2005 By: Tommy T. In: insider looking out

.......Well Ortiz.... are you still at the gap? Don't worry about "insider looking in", They are full of it!


Left: July 01, 2005 By: Anonymous In: FREEDOM IN THE USA

To "An Insider looking in"-
Don't be so gullible about the information found on the Internet. There is much useful and accurate information floating around out there. You must use some good discernment when perusing forums in a chartroom that's intent is set-up for complaints.
SCROLL DOWN TO THE BOTTOM OF EVERY STATES FORUM. IT CLEARLY SAYS. *Some of the information on this Web site has been provided by external sources. Neither countrywidehomeloansucks.com nor its Webmaster is responsible for the accuracy, reliability, or currency of the information submitted by any third party. All stories posted are intended to be general information only and not to be construed as a recommendation on selecting a mortgage lender in (STATES NAME HERE) or any other state.
Who cares about someone like Ortiz anyway. Just as his opinions go, you are trying to impose yours by reporting them to a commission. Anyway...I would like to think that the probability of finding any one this way with your vengeful attitude is highly unlikely.
Let me remind you the Internet is full of information, photos and movies that may be extremely offensive to many people including myself. If one should run across a site they don't like, like this one, they have the freedom as you did, to leave a rebuttal in response to anyone’s comments or leave it.
Wrapping it up I might say to any one...Have fun surfing the internet if you want to impose your will to such an extent you want to consider litigation...start your own site. By the way CHL does suck!


Left: June 30, 2005 By: An insider looking in In:

First off I would like to comment on the entries made by "David Ortiz." Whoever you are, a formal complaint has been filed with the MA and NH Banking Commissions, and copies sent to the MA Attorney Generals Office, Consumer Complaints Division. A copy has also been forwarded to the CW Corp Offices. Included in the formal complaint was all entries made at this website by you and other individuals believed to be employed by Countrywide Home Loans.

Countrywide is an overall decent lender, both on the broker side and the consumer side. However, if you are wanting to pay more than the monthly payment each month you might want to take notice that they have a campaign they use to increase their profit margin for those customers who pay more than the monthly payment. It goes like this: Say you want to pay an extra payment each year and you take that figure and divide it by 12, and add that amount to your payment each month, you will be speeding up the payoff (called exceleration). This is bad news for any lender because the profit margin they are anticipating will be reduced. So CW has this policy that anytime one of their representatives encounters a customer doing this they are to be informed that any excess payment amount will not be credited to their account and will be placed in a "holding account." The only way that they can accept an extra payment from the customer is if the customer signs up for this "special service" which includes a service fee that will help CW recover some of their potential loss from exceleration. This fee usually amounts to $250.00 annually, not quite enough to recoup what they has lost in unearned interest but a profit margin non the less. This practice is illegal in all 50 states and if notice that they are holding any excess payments from your account you might as well call your state's attorney general office and file a complain. Also call your state's banking commission to report this activity. Complaining to CW will get you nowhere.

One of the problems CW has lies in the lower management and lower-level employees due to high turn-over and a weak training program. Many of the middle managers at CW were promoted based on production levels vs. experience and grasp of local and federal regulations pertaining to their business. Many individuals at the customer service/origination level want to do a good job for the customer and the company, but there are too many individuals (David Ortiz's) within the framework of the CW management who imulate such a negative, unprofessional attitude that it damages the overall professionalism and work ethic of individuals under them.

I don't know who David Ortiz is but I am convinced that he has either worked for CW or is currently employed there and once his internet address is identified they can issue a Writ of Assistance/Warrant to his IP and that is how they will determine who he is. I am certain of that. And I am also certain that CW Corp office will like to know who he is too. This will not be the first time someone from Countrywide was jabbering in an internet chatroom/message board and was identified through a warrant.



Left: June 28, 2005 By: The REAL David Ortiz #34 In: Hull

Afternoon …losers. I don't know the person who thinks he's David Ortiz but I may have to find out and adjust your home loan rate! Hahahah…schmucks! I was going to go to the Vineyard with my sister (blond fiancée) this past weekend, but my gonorrhea was acting up and I had a few really sore ingrown hairs on my scrotum. Oh well at least I'm rich and happy!
Thanks to Countrywide!! I'll be filling up my big new SUV in a couple of hours. Keep toiling away at your pitiful mortgages. I'll post again soon. Ta Ta!



Left: June 28, 2005 By: Tyler In: Tyler

To David Ortiz: Can you provide me with the 10% discount from the gap? Please email me at pack.65@osu.edu

I'm a huge gap fan.
Thanks


Left: June 28, 2005 By: David Ortiz #34 In: Hull

I can get anyone my 10% clothing discount from the GAP now! I made the full time roster. Screw CHL I'm done with them and I did not even opt for unemployment plan they offered me!! I make just as much working here every week!! hahahahahahahah to the loosers at CHL! I shall post here again soon with my other self of my split personality!!
Richer & Happier at the GAP!


Left: June 27, 2005 By: David L. In: INDY

These postings for Mass. are too much man. You guys are killing me here. You all have very good imaginations. Ever consider careers in paperback writing? I think I'll vist the site every few days just to read the new posts!


Left: June 23, 2005 By: Banging Ortizes smelly blond fiancee /its nasty In: Boston

This should set DAVID ORTIZ straight. I doubt he is employed with CHL at all. By the way Dave your blond babe needs to exhibit better hygiene downstairs I did not like it if you know what I mean!! Anyway here goes...
Assigned to Countrywide 3 months ago by an agency. The pay was not outstanding, but I looked upon this as an opportunity to learn more about the residential and commercial lending business.

What a joke...released a few days ago because of my "attitude"...what attitude? From day one I weas taught how to put misleading figures into the initial disclosures sent out to borrowers when their loan application is received. I read one story on here about a complaint regarding the appraisal fee...totally true. If an appraisal fee is on the broker's GFE (Good Faith Estimate) for any amount less than $350, then I was to list the appraisal as $350 or higher (if shown as such). I was instructed that all figures are merely a guide and do not reflect any actual charges.
Most of the employees I interacted with are hardworking and hardcharging, honest people. There are a few bad apples that have been there too long due to mamangement apathy. Wrote a short college paper about the office and got an "A". Must have hit a note with the professor. If anyone has any question please feel free to drop me a line at info@usconsumerpros.com.
The term paper text is below. I am moving on, but have been impacted by my time there.

Management Control Study of San Diego’s Countrywide Wholesale Business Center

Company Name:

Countrywide Wholesale Business Centers (CWBC)

Background:

Countrywide Wholesale Business Centers are a subsidiary of Countrywide Financial

Corporation (NYSE symbol: CFC). Headquartered in Calabasas, California, Countrywide is a member of the S&P 500, Forbes 2000, and Fortune 500. Countrywide provides mortgage banking and loan closing services through its subsidiaries: Countrywide Home Loans, Full Spectrum Lending, and LandSafe. Other diversified businesses in the Countrywide family include Banking, Capital Markets, Insurance and Global Operations. In 1984, Countrywide began to slowly build a separate
wholesale loan origination department. By 1993, Countrywide's Wholesale Lending Division was the
number one wholesale lender in America with more than 40 percent of total loan production originated from this division. The wholesale business centers provide network support and serve as intermediariesto support the various loans funded through Treasury Bank (purchased recently by Countrywide Financial Corporation). CWBC’s are structured to offer a supporting role to a wide variety of independent mortgage product brokers.

Each CWBC office is staffed by two primary managers. The office taxonomy is actually quite
simple. The branch manager handles the basic operations of the office staff branch. The staff
includes a variety of agents, which are responsible for: 1) Loan Registry, 2) Loan Underwriting, 3) Loan Funding, and 4) Loan Document Processing. The second manager involved in the local CWBC office is for product sales. The sales manager is active in the production or recruitment of borrowers from local mortgage brokers and California real estate brokers as a whole. Made up of mainly the sales teams and production coordination. This is the main driving force, which brings in business and creates value for the entire CWBC office. The sales team is staffed with licensed real estate agents based in house and out in the field. In house agents keep their own desk, while outside agents’ usually hot desk and may share space with two or three different sales representative. Production coordination is just as important. The Production Coordination Supervisor balances dual responsibility to the sales manager by ensuring that all loans requests are received with the proper documentation to be logged into the system and to the branch manager by certifying that all new business requests are ready to proceed through the system. Many may argue, but I believe that without the services of a competent Production Coordination Supervisor, the system may suffer some snafus that could unravel the whole process.

Business issue:

Main office management within itself is somewhat insubstantial. There are clear lines of communication, rules and regulations that govern the office are allegedly in place, and everyone to some extent is capable of getting along. The focus of the issues that affect attempts to continuously create value are personal accountability and a lack of clarity by flimsy training for performance roles. Job titles are fairly defined, but the activities for each step seems to be done somewhat on the fly. On a weekly basis, production steps are added and subtracted throughout the various roles involved with creating the product. Roles are clearly defined within the office space; however no one person seems to be acted against or held accountable for behavior that acts to reduce value. I will use as an example the role of a member of the Loan Application Registry Team. Currently comprised of two active professionals and a supervisor, each member is responsible to register each and every incoming loan coming into the branch. The registry process is quite simple. Incoming applications work through the system much like the example used for manufacturing as visualized in one of Frederick Taylor’s four principles. The use of a configured route of assembly is seen as the most expeditious and least time-consuming way of completing a task (determination). Loan applications with accompanying documents such as a credit report, specific loan forms, and disclosures are either manually entered during the borrower’s interview phase or verified against information already submitted in the system by the same outside agents. The basic steps are as follows: 1) Loan application information received by registration; 2) Documents are categorized by relevance. There is the main loan application, various government disclosures, a property appraisal application, and a document known as a Good Faith Estimate. The GFE is important in that it is the initial disclosure into what the costs will be for the price of the loan; 3) Once all the relevant information is verified, new disclosures are printed out. One set stays in the newly created file. The second set is mailed out to the borrower or borrowers depending upon the number of applicants. What can make this process go wrong, unravel or never be correctly started? The trail goes back to the very agents that the CWBC depends upon for its bread and butter. Those agents are the mortgage brokerage offices and realtors that submit the applications into the CWBC system.

Analysis:

When agents and brokers submit loan applications into the CWBC for processing, they are easily exploiting a weakness in the system, which leads to the basic setup of inefficiency. Country Financial Corporation has basic requirements that must be met in order for a loan package to be submitted to a CWBC. Loopholes in the system enable agents to submit just the basic minimum information about a borrower. Unfortunately, the events of the past few years have made gathering all pertinent information extremely significant. Important information is often left out which must be gathered prior to registering loans for the CWBC in house application phase. Quite often, the CWBC is at the mercy of the outside agent since gathering the required information can take up valuable time needed to fund a loan. Whole loan applications can be tossed out or rejected at any stage due to a variety of separate and unrelated issues due to a lack of Total Quality Management on the part of the submitting agents’ brokerage. Time limits are set by those same outside agents to borrowers on when they expect to receive funding for that dream home, or remodeling project.

The branch manager, even though in charge of a multi-million dollar operation, through my eyes is seen more of acting as an office manager. Need pencils? Ask the branch manager. Out of paper or printer toner? Ask the branch manager. The country club managerial attitude is evident in that dependence upon others without a standardized and rigid division of labor keeps morale low and sets up a scenario for Parkinson’s law in some areas. A recent external audit by employees employed by corporate headquarters (within the past few weeks) held that there are weaknesses that need to be strengthened, especially in terms of mandating quality assurance and basic office security. The second though not truly related, alludes to the seemingly casual discard of borrower confidential information and the availability of free access by outside parties.

Recommendations:

A complete adoption of Frederick Taylor’s four principles. Through the following implementation: 1) Job design to optimize output will have to be configured so that all parties involved with the production process can increase efficiency; 2) Training to achieve optimum work should be conducted on a regular basis through the use of a mentoring program to oversee the finished product as it proceeds along each stage of production; 3) Emphasis on selecting the right person will put a halt to the Peter Principle seemingly installed in the current Production Coordination Supervisor; 4) Division of labor has been accomplished, but is not followed up on through random product sampling. Incentives are offered, but may in fact need to be redesigned in order to meet Total Quality Management goals that need to be effectively implemented. The current incentive is based upon volume of work and not quality of work. Management has a set of four to five different plastic containers set up to accept a ticket from employees in each area of production. The more daily production that person accomplishes, the more tickets they can place in their areas container. One name drawn from each container is awarded $100.00 after the month has ended. Unfortunately, this continued incentive without a system of checks and balances may in fact be prone to fraud. Based upon current information available, the area supervisor has no way of effectively tracking area production completed within the CWBC proprietary EDGE loan software. I could say that I completed production of 26 units in order to receive a ticket, when in reality I may have only completed 25. Recommended realignment of the award system could be completed in the following way: 1) Award not just the amount of production accomplished, but the lack of errors in that production. Set up a simple tracking system through the simple implementation of Microsoft Access style software integrated through a link to the EDGE system. Since EDGE is in fact a Windows DOS hybrid (seems outdated), loans submitted for application on a daily basis could be tracked more efficiently and exported to a spreadsheet that would tighten controls over the production process.

Conclusion:

The mortgage funding industry is an extremely competitive environment. Freedom of choice means that one day a company is on top of its game (CFC stock quote of Summer 2004 was almost $40 a share), to playing catch up due to ineffective controls (25% devaluation during fall 2004). The value of companies are only as good as the value they create. In an earlier paper, I submitted that a corporation’s one true allegiance is to the investors upon which it depends for the input of capital. Upon the completion of this course, I have learned that not only does a company have an allegiance to the shareholders, it also is beholden to its employees and seemingly, at the mercy of its suppliers; especially for the customer base it wishes to generate business to. Only through the establishment of controls through not just the adoption, but implementation of effective controls can any company hold and maintain market share. That is the difference between a cash cow that is consistently capable of reinventing value to being seen as a dog of the industry with no value remaining, just parts to be picked over by the rising stars.




Left: June 22, 2005 By: jerome In: da city

That right ortiz we's all like dem whitey hoes. We coloreds know dat whitey iz da bomb supreme sheeit. It makes us feel like we's iz not so inferior. Man can ah bang yo' trashy whitey blond ho. you know das right!


Left: June 22, 2005 By: Peter North In: I got the blond that ortiz is dreaming of!!

I think Ortiz has a split personality. Looks like one day he works at CHL and the next day he does not work for them. Poor guy. I think he needs help. He shoots down his own credibility whenever he posts. Keep posting Ortiz maybe someone reading them will be able to offer you help.


Left: June 22, 2005 By: Peter North In: I got the blond that ortiz is dreaming of!!

I think Ortiz has a split personality. Looks like one day he works at CHL and the next day he does not work for them. Poor guy. I think he needs help. He shoots down his own credibility whenever he posts. Keep posting Ortiz maybe someone reading them will be able to offer you help.


Left: June 22, 2005 By: Lance In: Burbank

Dear "customer": your question is valid and I'll offer my honest opinion. Countrywide IS the biggest, and they got that way not really by "earning" customers. They are really big because they continue to purchase mortgages from smaller companies, and they also "service" alot of loans they did not originate.
They buy loans in huge chunks and aquire a large part of their business without ever speaking to the home owners like you and me.
With that said, I don't think they're "evil"... I think they're just so damn big with so many incompetent people(like Ortiz)who can't manage their day-to-day affairs. There probably are some people in the company with the wrong motives who have taken advantage of Countrywide's size to line their own pockets, and sadly I think some of us have dealt with those people.
Anyway... yes there are some good people and bad people in every company. Countrywide seems to just be out-of-control and harder than heck to deal with because of their lax operations and lack of organization.



Good luck to you.



Left: June 22, 2005 By: David Ortiz #34 (two home runs last night) In: Hull

Morning losers! Another great day at CHL! Just sold some stock yesterday, nothing quite like making a 300k profit, huh? Wow, looks like a little bit of rain today. Weekend looks great though, maybe I'll take the boat down to the Vineyard. Oh, for those that don't know because most of you are too poor to go there, its a small island off the coast of MA, lots of celebs and fellow rich people like myself. But you guys enjoy Revere beach, try not to get mugged while your out. And avoid the glass in the sand, I hear it can brutal sometimes. I think my fiancee will be joining me, glad I held onto this one. Blond hair and blue eyes. Nothing like banging the white girls, eh jerome?! So, I was thinking maybe I'd go through the system today and see who's rates I can increase just for fun. Maybe jack up the mortgage payment on a few of you idiots, see you sweat a little. We shall see, the day is young.
-Rich and Happy
(still employed at CHL)hahahahahahahaha!!!!


Left: June 22, 2005 By: customer In: Southern Mass

If Countrywide is so bad how can they be the largest lender in the country???
Must be doing something right I guess or otherwise they would have been out of business a long time ago.....don't you think?




Left: June 22, 2005 By: David Ortiz #34 In: Hull

CHL let me go yesterday. They are bastards. I knew we were inundated with problems with the customers, but now they are making out like it is the associate’s entire fault AND NOT OUR STUPID PROCESSING PROCEDURES! I worked in the processing department entering data for over 5 years making 33K / yr. (Some times 60 hrs / wk – no overtime pay) .Now I'm simply pissed off at them. They have agreed to show on paper that I was laid-off so I can draw unemployment. That’s real big of them! There goes my big house, foreign SUV and I almost had a girlfriend. I wish I had not relied on my employer (CHL) to become rich. I guess my part time job at the GAP will have to do for now. Well if there is a bright side, I can still get my 10% clothing discount there. I’ll keep posting.
Not so rich and happy anymore!



Left: June 21, 2005 By: Same guy In: All the time

Thanks Ortiz! I want you too! Hey David give me your email address, I'll school you with spelling lessons if you want.


Left: June 21, 2005 By: Roger Liberty In: U-mass

Hey Ray! Post your email address, you sound hott!! I would love to get together.



Left: June 20, 2005 By: Ray Rosedale In: Ohio

"David Ortiz" must really be in love with #34 David Ortiz. I think our "Ortiz" would like to give the real #34 a tongue bath after every home game. You are a sick-o. Who cares about any over paid lazy ball players anyway? Who gives a shit about the balloting! Do you need a hero that bad David? I got your hero- here in my pants and I'm gay just like you David. By the way, nice piece of writing there Roger Liberty!


Left: June 20, 2005 By: jerome In: da city

Shit dis here ortiz guy mus' be slippin'. You know I bet he don' got uh pot ta piss in. He prob'ly gots uh Kia SUV. Ya know what ah'm jivin' about home child? and git Sheniquah's ass back ova' heeah.


Left: June 20, 2005 By: In:

The insider trading report is out. Angelo Mozillo is now selling big chunks of CFC. Almost $17 million worth on January 29. He's almost done milking CFC. That's good, maybe they will get a respectable CEO and clean up some of their customer related problems.


Left: June 17, 2005 By: John Dunn In: Boston

Where is the story on Angelo Mozilo being investigated?


Left: June 16, 2005 By: Educated and Black In: Everywhere

(In regard to the first sentence of Ortiz's last rebuttal)
Do the wealthy send their children to spelling school? (Your usage of "its".) An apostrophe is needed in the case of "it is". It's a contraction. (No pun intended)



Left: June 15, 2005 By: Roger Liberty In: U-mass

If you are so wealthy why do you go to work? You must not be that wealthy! By the way...the reason you have so much time is because your boss can't see you hiding in your small cubical! Also I own several manufacturing industries- no food stores. I have people like you to do my work for me. I just come in from time to time and impose my will. My businesses generates about 8 million in sales annually. You are just a worker ant like all of my good employees.
You contradict you self too much...thus I can confirm you have no wealth or how to achieve it. I just can't believe a wealthy family like yours taught you to go out in life, get your college degree and start a long career of work for some other man. It does not make any sense. I can see right through you David. Now go on and get back to work entering data into Angelo’s computer system. (F.Y.I.-I have not dealt with CHL personally.) I just like to frequent this site to read what all of you born losers dream that you are!



Left: June 15, 2005 By: David Ortiz In: Hull

Hey Roger, its a good thing I come from a wealthy family, huh? Nothing quite like living the life of luxury. How do you think I have so much time to be on this site? Come on buddy! Keep working on that buisness of yours, maybe, if your lucky, it'll burn to the ground on ya. HHHMMM, sounds like a good idea.
Oh, and by the way, I don't think a grocery market on the Revere strip constitues having "wealth", but you keep plugging away pal, its the American dream right? Have fun with that coronary in 5 years.
-Rich and Happy


Left: June 15, 2005 By: Roger Liberty In: U mass

Hello there miserable one- I'm going to say this again...maybe it will soak in this time.
-HEY “RICH AND HAPPY”-HERE IS A WAKE-UP CALL. **YOU CAN NEVER BECOME RICH BY BEING AN EMPLOYEE**. WEALTH IS GAUGED BY HOW MUCH INCOME IS GENERATED BY YOUR ASSETS! POOR PEOPLE WORK FOR MONEY- BUT MONEY WORKS FOR THE RICH.
It sounds to me as if you have gone through your young life "playing it safe". From what you are saying, all that you have acquired are liabilities. (500k home, big foreign SUV.) David if you are not careful, you may leave your kids debts. I will leave my children a thriving and growing business.
While I am enjoying myself on the weekends, income is still being generated for me. (By schmucks like you, who are willing to bust their ass for people like me.) People like yourself, have limited choices and I’ll give you a little money for your services. (If you work very hard) Remember this- YOU will always have to work until you die from old age because you need to generate more and more income to afford the liabilities you have created. Doesn’t seem like very much to be bragging about.



Left: June 14, 2005 By: David Ortiz #34 In: Hull

Hello Roger, Ray and Lafftappe!! Nice to meet you.
Ok, first things first. HEY FUCKTARD, I DID SPELL RECISSION CORRECTLY. AND, AS I STATED, IT STARTS FROM THE DAY YOU SIGN UNTIL 72 HOURS LATER (3DAYS!) EXCLUDING MAJOR HOLIDAYS AND SUNDAY. RE-READ MY POST YOU IGNORANT PEDOPHILE AND YOU WILL SEE I AM CORRECT.
Secondly, my position affords me the 500k home I just bought near Attleboro, my foreign made SUV that I fill up every 4 days and the two week trip I am taking to Hawaii in September. Whats funny is, most of you morons probably have been slaving away for 25 or 30 years at some crappy job, have never been outside of New England and are barely getting by. I am 28 and have more than most of you will ever achieve in life. When I die, I will have actual wealth to pass on to my children instead of huge amounts of DEBT (thank you CHL!!)like you fuckers will. Take a look at your lives people! Are you really happy? Have you really accomplished anything with your petty lives? I really doubt it. Most of you should do society a favor and just hop in a full bath tub with the toaster plugged in. Your marriages are a joke, your kids are worse off than you were and you probably can't afford to give them a decent education. Good luck sending them to Bristol Community College. Keep drudging off to the same miserable job you have had for so long, driving your 1988 Oldsmobile with the roll up windows and the bent muffler. I'll be the guy in the next lane, better vehicle, half your age and twice as successfull who has accomplished more in 5 years in the work force than you ever could and done more with my life than you could ever dream of.
You are the guys the women laugh at when they see you and the guys we look at and dare not ever become. Just a shell of a real man, lost souls with no passion or drive left in your eyes. You are already dead, you're just too stupid to realize it.
-Rich and Happy


Left: June 14, 2005 By: LAFFTAPPE In: BOPKIE

REGARDING ORTIZ'S COMMENT ABOUT "RECESSION". IT'S A 3 DAY RIGHT OF RECISSION. NOT AFTER A MONTH WHEN THE FUCKING BY CHL STARTS. TYPICAL FOR A CHL EMPLOYEE NOT TO GIVE CLEAR INFORMATION. THEY REALLY DON'T KNOW HOW THIS STUFF WORKS.


Left: June 14, 2005 By: Ray Rosedale In: Ohio

"David Ortiz" must really be in love with #34 David Ortiz. I think our "Ortiz" would like to give the real #34 a tongue bath after every home game. You are a sick-o. Who cares about any over paid lazy ball players anyway? Who gives a shit about the balloting! Do you need a hero that bad David? I got your hero- here in my pants and I'm gay just like you David. By the way, nice piece of writing there Roger Liberty!


Left: June 14, 2005 By: Roger Liberty In: U mass

The problem that CHL has is they screw up things such as addresses and transaction information. Address changes seem to be the toughest type of change for them. I don't think that CHL employees have the proper training they require either.
They can't keep good people because the pay scale is too low. That's why the service is slow and shitty. The employees don't care because they can get work at McDonalds that pays the same. Also, I believe boredom sets in and they click, click, click away at their keyboard and write insults about complaints from customers about problems that they themselves have created.
This site looks like it is becoming very popular. You would think that their crooked dictator Angelo Mozilo would start to take some notice of it. By the way, I saw on TV the other day that he is under federal investigation. He has been a bad boy of late.
Maybe CHL is not unassailable after all. We'll see. The good part about it is that employees like Ortiz will have to go back to flipping burgers hopefully soon.
HEY “RICH AND HAPPY”-HERE IS A WAKE-UP CALL. **YOU CAN NEVER BECOME RICH BY BEING AN EMPLOYEE**. WEALTH IS GAUGED BY HOW MUCH INCOME IS GENERATED BY YOUR ASSETS! POOR PEOPLE WORK FOR MONEY- BUT MONEY WORKS FOR THE RICH. I AM SORRY TO HAVE TO INFORM YOU OF THIS DAVID.



Left: June 14, 2005 By: jerome In: da city

sure thin' ortiz muh ma fuckin mom iz uh ho! she be real greasy an' nasty prob'ly like yo' ass. ah could hook ya two loosers up nig. muh ma fuckin mom iz half irish. great combo know what ah mean? slap muh ma fuckin fro nig. sheeit. peep this shit


Left: June 14, 2005 By: Dave Hensley In: Dallas

I've been in my current house 21 years, under the original 30 year mortgage. I've never been late on a payment. The mortgage has been sold 5 times and, aside from minor annoyances like not being able to accept e-payments, there has never been a problem...until CW bought the mortgage last year. I was out of town on a business trip, and checked my voicemail and had a couple of messages to call a "credit counseling service"--no other identification. Yep, it was the first month CW serviced the mortgage and they began the harassing calls on the 4th.
I don't like harassing phone calls, so I contacted the Texas Attorney General's office, and was a bit surprised to get a fast, personal response that explained the loophole in most fair credit collection legislation that excludes the creditor from most provisions of the act. Basically, consumers have no protection from a corporate bully, if the bully is the actual creditor.
I now pay CW electronically on the last date before past due. I used to pay my mortgage between the 1st and 5th of the month. I will continue to slow pay until CW stops harassing me.
Yo, Rob from Dallas who used to work in CW collections: How much does it cost CW's call center each time it answers the phone? Because for each automated call I get, they get a call and a replay of whatever message they sent me. I also periodically call and have a chat with a collections rep. They go through their "due and payable" script with me, and I go through my "no consequences to me unless paid late, so bite me" rebuttal. I do this politely, since these aren't the suits trying to be a hero by accelerating payments, although after reading your posting, Rob, I may have to rethink this.
Have a nice day, and remember to exclude Countrywide, its associates, subsidiaries, heirs and assigns from assuming any future mortgages you take out.



Left: June 14, 2005 By: David Ortiz #34 (Leading vote getter in the all star balloting) In: Hull

Come on Mortgage Broker in Tampa, its so much fun to just post on here every so often and see these mindless idiots get all fired up. Tell them, everything gets disclosed to people up front. If any lender, including CHL, does anything sneaky or dirty then people should WALK AWAY! NOTHING IS LEGALLY BINDING!! ITS CALLED RECISSION! And if its a purchase, ask to see your closing documents days in advance so anything can be fixed, especially the HUD-1 settlement statement. Its your legal right to go over the docs before hand. Closing documents get done days in advance so the closing attorney can get everything ready.
And I agree, AM is a putz and a crook, but I can't do anything about it, I have bills to pay myself.
And yes, I would like a hooker "Jerome", is your mom still available? On the corner of Mass. Ave. and Tremont, right?
Anyways, its been real people, real fun porking you all. Keep it up, chapter 7 is right around the corner for most of you.
-Rich and Happy


Left: June 14, 2005 By: Clay Matthews #57 In: Parma, Oh

WOW! David must be a born looser. I just read all of the forums. This guy is obviously looking for a same sex hook-up. I don't think he wants any ones wife. I bet he takes it in the seat frequently.
Oh...and I agree with Roger Liberty.
One should be educated well enough to spell correctly.


Left: June 14, 2005 By: jerome In: da city

werd up david ah told ya about dat spellin problem. dat aint tight muh ma fuckin brudda. our type ya know gots ta stick together. thats how we's got things done in da sixties. be proud o' yo' color muh ma fuckin nig. ya need uh biotch too. nig ya got nothin but snatch on da brain. maybe if ya give everybody yo' address we's could send ya some money so ya could gets uh hooker ta git some. Jus' like Orenthawl James.


Left: June 14, 2005 By: jerome In: da city

werd up david ah told ya about dat spellin problem. dat aint tight muh ma fuckin brudda. our type ya know gots ta stick together. thats how we's got things done in da sixties. be proud o' yo' color muh ma fuckin nig. ya need uh biotch too. nig ya got nothin but snatch on da brain. maybe if ya give everybody yo' address we's could send ya some money so ya could gets uh hooker ta git some. Jus' like Orenthawl James.


Left: June 14, 2005 By: It's about time In: everywhere in the USA

Countrywide Home Loans settles suit

Countrywide Home Loans Inc. agreed Tuesday to a $30 million settlement in a class-action suit brought against the company by employees at its California call center in Rosemead.
The $30 million will cover claims for unpaid overtime wagers, reimbursement of wage deductions, compensation for on-duty meal periods, attorneys' fees and related items.
Countrywide also agreed to reclassify all of its California call center account executives as non-exempt from state and federal overtime and other wage and hour laws.







The settlement has been given preliminary approval from Judge Victor H. Person of the Los Angeles County Superior Court.







Countrywide Home Loans is a division of Countrywide Financial Corp. (NYSE: CFC) Both companies are based in Calabasas.



Left: June 14, 2005 By: 066 In: Great News

Angelo Mozilo, CHL's CEO, has been under Federal Investigation for some time now. He has been video taped talking about how CHL basically adds fees to loans at will. Also he talks about how CHL calculates the odds of people that will pay them the bogus fees and those who will not. Basically, the money made on the ones who do pay (and just bitch about it) far exceeds any legal battles and money payouts. They can afford to do this because they do offer the lowest rates. What’s a person to do. Not many people are willing to ditch CHL even after they have been screwed because of the hidden end charges and the enormous expense of another closing cost. The special on CHL and Mozilo is supposed to air on 60 minutes sometime this summer. These guys are crooks. If they used a gun to rob someone they would go to jail, but apparently the government allows them to rob you with a pen. I think it will continue to go on as long as our fungus like federal government keeps getting their fat share of the tax loot.


Left: June 13, 2005 By: Mortgage Broker In: Tampa

David, you obviously have way too much time on your hands. Stop f*****g with these people and get back to work. A person who is in the industry and makes a lot of money doesn't have time for this BS. You are unreal man! Get a f*****g life. You're a nuisance. I'm ashamed to know that you are in the same line of work. You are the type that gives us all a bad rap.


Left: June 13, 2005 By: Mortgage Broker In: Tampa

David, you obviously have way too much time on your hands. Stop f*****g with these people and get back to work. A person who is in the industry and makes a lot of money doesn't have time for this BS. You are unreal man! Get a f*****g life. You're a nuisance. I'm ashamed to know that you are in the same line of work. You are the type that gives us all a bad rap.


Left: June 13, 2005 By: David Ortiz #34 In: Hull

Welcome Mortgage Broker in Tampa!!! How are things down in FL these days? Are you guys stil ripping folks off too? GREAT!! Let me know if Roger's stupid ass comes your way, would love the chance to take more money from him.
Oh and Roger, its a good thing its been so hot and humid lately around here. Your wife gets so turned on in the cold shower. Nipples get all perky, it really is quite fun. I can hang all her toys on them. KEEP THE HUMIDITY UP MOTHER NATURE!!!
Oh, and by the by, I am in the industry, have been for quite some time. And it is very amusing to see these idiots getting all upset about nothing. Helps pass the time, you know.
And Roger, buddy, stop being a spelling nazi and concentrate on fixing your marriage. Your wife would really appreciate that. Plus, I would much rather just bang her and move on with my day instead of pretending to listen to her complain about what a terrible husband you are and how you do not spend enough time and energy with her. Less golf, more attention to her you putz. Then maybe she wouldn't be blowing up my cell phone looking for "appointments". hahahahahaha.
Keep it real people!!!
-Rich and Happy


Left: June 13, 2005 By: Mortgage Broker In: Tampa

This absolutely hilarious. This guy Ortiz is obviously playing with all of you. No one in his right mind would act this way if he was in the industry and truly a professional. He is a waste of time! Stop spending so much energy on him, it's fueling him further! He's thriving on it! This industry is full of idiots unfortunately. I deal with them on a daily basis. I feel for all of you that have been involved in issues like these. But this guy Ortiz is just a waste of time. I gather he is not even in the business, primarily due to his lack of professionalism. And if he is in the industry, it saddens me that he would be so juvenile as to attack people personally in defense of the company he works for. You would almost think he owns CW the way he defends it so. Ortiz just needs to grow up. He is probably some 13 year old kid with nothing to do while his father video tapes him and his sister. Sad, so sad.


Left: June 13, 2005 By: Mortgage Broker In: Tampa

This absolutely hilarious. This guy Ortiz is obviously playing with all of you. No one in his right mind would act this way if he was in the industry and truly a professional. He is a waste of time! Stop spending so much energy on him, it's fueling him further! He's thriving on it! This industry is full of idiots unfortunately. I deal with them on a daily basis. I feel for all of you that have been involved in issues like these. But this guy Ortiz is just a waste of time. I gather he is not even in the business, primarily due to his lack of professionalism. And if he is in the industry, it saddens me that he would be so juvenile as to attack people personally in defense of the company he works for. You would almost think he owns CW the way he defends it so. Ortiz just needs to grow up. He is probably some 13 year old kid with nothing to do while his father video tapes him and his sister. Sad, so sad.


Left: June 13, 2005 By: Mortgage Broker In: Tampa

This absolutely hilarious. This guy Ortiz is obviously playing with all of you. No one in his right mind would act this way if he was in the industry and truly a professional. He is a waste of time! Stop spending so much energy on him, it's fueling him further! He's thriving on it! This industry is full of idiots unfortunately. I deal with them on a daily basis. I feel for all of you that have been involved in issues like these. But this guy Ortiz is just a waste of time. I gather he is not even in the business, primarily due to his lack of professionalism. And if he is in the industry, it saddens me that he would be so juvenile as to attack people personally in defense of the company he works for. You would almost think he owns CW the way he defends it so. Ortiz just needs to grow up. He is probably some 13 year old kid with nothing to do while his father video tapes him and his sister. Sad, so sad.


Left: June 09, 2005 By: Roger L. In: U Mass

David-
Just for your information. You are the retarded one! Let's take for example your hillbilly word "bout" ...I believe that's called an aphesis. Hillbillies talk that way. (They also use apocope's and syncope's- look it up shit head.)
Oh, and as far as your 3rd grade spelling...here is a lesson. You should check on the spelling(s)-
scenario and mortgages. You are a typical, stupid, fuckstick, Cw, moron!
Later on poor and pitiful.


Left: June 09, 2005 By: Roger L. In: U Mass

I'm not so sure there would be anything to see if I did watch. And I know she wouldn't get anything out of it because of your little black pudd. Dream on CW homo!! Countrywide SUCKS. They average about a seventh grade education level. Would you please give me a blow job Ortiz?? I see someone on this site proclaims you are gay. So long old #34!!!


Left: June 08, 2005 By: David Ortiz #34 In: Hull

Who says "twig and berries" these days??? Wow, you must be old...or retarded. I'll go with retarded.
How bout you post your real name and info on here? That way, I can come by your house and do your wife while you watch. How about that scenerio? By the by, CHL is number 1 in the country, especially here in MA. We will continue to grow. Have you seen our new bank offices opening up around the area? Brookline, Braintree, Waltham and Woburn. Soon, we will control all your motgages and you can moan and groan all you want. Well, at least your wives will. HAHAHAHA!
Later losers!
-Rich and Happy


Left: June 08, 2005 By: Roger Liberty In: U Mass

To Davey Ortiz-
You are not even employed by CW. I checked it out. You are too chicken shit to state your name. If you did we could look it up under a welfare case file. By the way this sit reads, you are a total born looser. You have no job, no women, you're gay and you have an abnormally small twig and berries!!


Left: June 08, 2005 By: David Ortiz In: Hull

I have slept with all your wives and daughters. Have fun raising my children you losers!! HAHAHAHHAHAHAHAHAHAHAHAHA!!!!!!!!
CHL is #1!! We are going to rob you all blind and then make you refinance with us again!! HAHAHAHA!!
-Rich and Happy


Left: June 03, 2005 By: JOHNNY D. In: THE MAN

I HAVE SOME GOOD SOURCES FOR MAGNIFYING GLASSES. GO TO MAGNIFY.COM\ MAYBE WE COULD FEATURE DAVID ORTIZ'S INFINITESIMAL PETER ON THAT SITE.


Left: June 01, 2005 By: Oliver In: Portland

Hey Ortiz- does that DVD you cut with Mikes family come with a magnifying glass? If not, how will we see that microscopic Schnitzel of yours?


Left: May 31, 2005 By: jerome In: da city

werd up david-
ya gots some problems wiff spelling!! how do ya spell definitely? even me commin' from da hood knows bettah than dat. by da way bro, give dat dork in ya pants uh little break!! ya iz giving us negroid folk uh bad image. all ye damn hood ratz..


Left: May 31, 2005 By: Mike In: Boston

Dear stiff & sticky wanna be-
I don't know how you did all that because my mother died years ago and I don't have a sister.
Are you sure it was not your own mother and sister? They would probably feel sorry for your tiny black fallacy. Now,tell me again David- How has welfare been treating you? Plenty of time to surf the gay white porn?? Well...I guess for now you'll just have to keep doing awful things to your wiener. Show it who's the boss David..show it who's the boss!


Left: May 27, 2005 By: David Ortiz #34 In: Hull

MIKE!!! WHATS UP BUDDY?!?!?! YOUR MOM WAS GREAT LAST NIGHT PAL. AND WHEN YOUR WIFE JOINED IN! WOW, TOTALLY AWESOME BRO!! BUT WHAT KINDA SKEEVED ME OUT WAS WHEN YOUR 19 YEAR OLD DAUGHTER JUMPED IN TOO!! NOW THAT WAS MIND BLOWING! GET IT MIKEY? "BLOWING"? lmao!!! THREE GENERATIONS IN ONE NIGHT AT THE SAME TIME! INCREDIBLE! I AM GOING TO SEND YOU THE POLAROIDS AND I WILL MAKE SURE YOU GET THE FIRST COPY OF THE DVD. IT WILL ALSO INCLUDE SOME ACTION WITH BONNIE TOO!! MIKE, I HOPE THE STAINS IN YOUR BED COME OUT THOUGH, SORRY ABOUT THAT. THEY ALL WANTED TO TAKE TURNS GETTING SOME "PROTEIN" IN THEIR EYES. WILD BRO, REALLY REALLY WILD. I JUST HOPE THEY ALL DON'T GET KNOCKED UP. THAT WOULD BE FUNNY HUH? WELL, IF YOUR WIFE GETS PREGNANT, IT MAY NOT BE YOURS. BUT YOUR MOM AND DAUGHTER DEFFINATELY WILL BE MINE. WELCOME TO THE FAMILY BUDDY! TALK TO YA SOON!!
-Rich and Happy


Left: May 24, 2005 By: MIKE In: boston

To David ortiz-
What do ya say there ya dirty little crossbreed? It was mexican and black, right? Anyhow....you should be entitled to some real special rights here in the USA, huh? When are you going back home to Mexico? Well ....later for now my favorite jungle bunny!!


Left: May 23, 2005 By: David Ortiz In: Hull

***NEWS FLASH***
DAVID L. IS A RETARD AND A LOSER. HE SLEEPS WITH HIS PRIEST. AND LIKES IT.
WHERE IS BONNIE BY THE WAY? I NEED TO SCHEDULE AN APPOINTMENT. THAT GIRL SURE IS A LOT OF FUN.....
SEE YOU SOON FOLKS!!!
-Rich and Happy


Left: May 23, 2005 By: David L. In: MASS and Area

****News Flash****
David Ortiz, a Countrywide employee that has been writing into this site, was taken into custody last week. He will be tried for embezzlement. He was released on $250,000 bond. It appears that exposing him on this site was what got him arrested. I hope justice will be served!!
Thank you everyone!! The FBI is now starting to take interest in Countrwides business practices. Keep writing in to this site! We are getting things done on all levels.



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, but…." and went back to playing with his calculator.
The way it finally turned out for us was beautiful. The seller actually ended up paying for part of our down payment, but it didn't cost him anything because Countrywide had him raise the asking price in order to credit us, in order to be able to get their thousands at closing. We paid NO FEES whatsoever, and walked away with a small check to the good. The seller paid a very low commission to the realtor (because the realtor quoted him a small commission, apparently because he, the realtor, was going to get a cut of the "creative financing" done by Countrywide at closing.) Watching this comedy of errors was truly enjoyable; however, it followed a month of anxiety and fear. I don't recommend Countrywide to anyone. And if your realtor recommends them, please be warned.



Left: May 17, 2005 By: Disgruntled Employee In: Massachusetts

I worked for Countrywide for a very brief time in MA last Spring. At the time, my father was dying of cancer and I was in the process of finishing my bachelor's degree at school, so I was only working for them part-time. Needless to say, it was a very stressful time in my life. Ironically, during my second month there, I was told to move some boxes because we were setting up shop next door. As luck would have it, I sprained my back and literally could not stand upright. I drove home that day and ended up being taken to the emergency room the next day. That next day, my father took a turn for the worse and I spent the next week watching my father slowly dying. It was an absolutely horrible experience! When I returned to work the following week, not one employee mentioned my father's death. To add insult to injury, the manager called me into his office and told me that he "understands" that I've been through a bad time, but that I needed to stop missing so much time from work! Thanks so much for your support, Mark!


Left: May 13, 2005 By: Bob In: Rochester, NH

Countrywide is an overall decent lender, both on the broker side and the consumer side. However, if you are wanting to pay more than the monthly payment each month you might want to take notice that they have a campaign they use to increase their profit margin for those customers who pay more than the monthly payment. It goes like this: Say you want to pay an extra payment each year and you take that figure and divide it by 12, and add that amount to your payment each month, you will be speeding up the payoff (called exceleration). This is bad news for any lender because the profit margin they are anticipating will be reduced. So CW has this policy that anytime one of their representatives encounters a customer doing this they are to be informed that any excess payment amount will not be credited to their account and will be placed in a "holding account." The only way that they can accept an extra payment from the customer is if the customer signs up for this "special service" which includes a service fee that will help CW recover some of their potential loss from exceleration. This practice is illegal and all 50 states and if notice that they are holding any excess payments from your account you might as well call your state's attorney general office and file a complain. Also call your state's banking commission to report this activity. Complaining to CW will get you nowhere.


Left: May 13, 2005 By: Carlos In: Downtown

Countrywide employees are rude and unknowledgable. All of you people need to stop bitching and take a small loss on closing costs and leave CW. CW does have good rates, but I'm not sure that out ways the bullshit mistakes they make frequently.
By the way, to "stiff & Sticky" down there:
You represent a typical CW employee. You have proved true everything customers past and present have been writing in about! (Although I think you stumbled onto this site and have no affiliation with CW at all.) You just like to instigate. Am I right?


Left: May 12, 2005 By: Oliver In: Portland

Sounds like David Ortiz is a welfare case! He has too much time on his hands. How is the government cheese Dave?
Stiff and happy!


Left: May 10, 2005 By: Jack Mehoff In: n/a

David, manny, mike, Bonnie:
You should call and ask to speak directly with Angelo Mozilo.

Countrywide Financial Corporation Corporate Headquarters

4500 Park Granada
Calabasas, California 91302
1-818-225-3000




Left: May 10, 2005 By: jerome In: da city

yo david ya can not be dishin on uh brudda like dat. it aint tight. nig ya callin me uh cracker an' sheeit nig ya iz ni bettah than uh whitey nigga. know what ah'm sayin. ah feel fo' ya . ah would rather be negroid or whitey but not dat mixed up oreo an' salt an' pepper thin'. nig ah know ya all can't he`p it, but sheeit nig ya, don' gots ta be so down on deez here folks. ah don' wants ta gots ta bust uh cap on yo' ass nig. don't make me shank ya!



Left: May 10, 2005 By: David Ortiz #34 In: Hull

Bonnie, what are you talking about??? You did me and half my crew. Again, video tape does not lie babe. The truth will come out. Its ok that you go slumming every once in a while, we all know you love the dark meat. Being from Southie, we know you have to keep it secret, but no worries, we will try and blurb out your face, but its the tattoo that will give you away.
Jerome, you ignorant cracker, keep trying to get on my bad side. Won't happen "brother". It will just make me steal your Audi or BMW or whatever P.O.S you think is safe in your garage. You can find it next weeke stripped and smoldering over in Revere Beach. By the way, your wife is hot, but please tell her shave and to consider getting her labia trimmed down. I know a few good plastic surgeons who looked at Bonnie, worked wonders. Ta Ta losers!!
Rich and Happy


Left: May 10, 2005 By: Bonnie In: S boston

Dream on David. I don't do crossbreeds. Remember?
I would not do a black man. You are to greasy! Looks like Jerome is more suited to your type.
Good bye!


Left: May 10, 2005 By: jerome In: da city

her iz uh pimp-tight joke fo' ya david.
What iz da bez ten years o' an Irishman's life?
Third grade. in the hood
ya iz uh mess boy. an dat boil on mah ass.


Left: May 10, 2005 By: jerome In: da city

werd up david. ah th'o't yo' out dere nig. cause bonnies says yo' queer. ah could not git uh home loan from ya bratha's at CW either. ya mus' be smokin chronic n` shit. she said yo' noodle iz really small. ya know wiff ya being half negroid an' all. now you giving us home nigs uh bad name. come on now jive some jive now. ah know ya got some negro in ya, right? be understanding dis negroid-american languag foo' slap muh fro' boy.

what'sup wiff dat? slap mah fro!


Left: May 09, 2005 By: David Ortiz In: Hull

Bonnie, honey, please stop the lies. I have our sessions video taped and I am posting it on Craig's List and selling them soon via Ebay. I hope you don't mind. The shot of you taking it in the eye was a great camera angle. Your smile was so big and happy. I even have the tattoo you have on your back on video and that mole above your left butt cheek. Everyone (and its a lot fellas) who has been with you will know for sure that it is you.
Bonnie, the only reason I called you hun was to set up a time for our next encounter and to give you back your black thong. I found it underneith the front seat of my SUV. I do not know how it got there. Ah well, heat of the moment, it happens. I was going to take you to dinner also, but you said that my beef injection was filling enough for you. Can you wear the edible thong next time though? Cherry flavored. See you soon Bonnie.
Rich and Happy


Left: May 09, 2005 By: Jerome In: Da city

David should be gettin' he`p. I be uh brotha. I be not salad tosser like him though. David yo' giving all o' us uh bad name. if ya wants ta try ta give brothas uh lesson in ebonix, then git it right! You mus' be uh queer mudda fucker! Those iz da facts! with muh beeotch


Left: May 09, 2005 By: Manny In: Mass

I think David is grasping at straws now. I thank you all for the information about CW and David Ortiz. (Even though I could do without some of the graphics.)


Left: May 09, 2005 By: Bonnie In: S. Boston

Do you want to tell everyone what did get you fired from CW? Or do I have to tell eveeryone?


Left: May 09, 2005 By: Bonnie In: S. Boston

I have never been with Divid Ortiz. However, I can’t tell you how often he would try to confide in me about his small genital size. I thought that you gotten help. David trying to make like you are straight only will make you miserable again. You are what you are. God made you this way David…learn to accept it. You have stolen money from CW as well.
P.S.- After my last write in you even tried to call me with a money offer to shut me up. Well there is no amount of money that can make me do it now.


Left: May 09, 2005 By: Fred In: Boston

I think you are in denial David. About the weiner length and success. People that brag about their success generally are not. As far as the race issue it's too late for the melting pot now.
Your tribal leaders sold you into slavery. Look at Africa any of those countries there with a black government. They have it worse off now than ever before. You don't even help your own kind. Your tribal leaders sold you into slavery hundreds of years ago---your own kind. Think about it Ortiz. I don't feel I need to with stand retribution today for your own kinds mistakes. Some how to make things even, you need and always will need special rights.
I think Thomas Jefferson said it the best.
Nothing is more certainly written in the book of fate, than that these people are to be free; nor is it less certain that the two races, equally free, cannot live in the same government. Nature, habit, and opinion have drawn indelible lines of distinction between them.”
- Thomas Jefferson
We are still having problems today. Nothing personal. Just facts.



Left: May 06, 2005 By: advisor In: help city

Rich and happy, I am sorry to inform, you but you need help! Perhaps CHL could provide you with the help you so desperatly need.


Left: May 04, 2005 By: David Ortiz #34 In: Hull

P.S: Manny is really a NAzi from NH. His real name is Mark Gastineau and he has made many tapes of beastiality sessions with his sister Doris.
Fred and Mike are both convicts at Cedar Junction. My cousin is a guard there and caught them writing things in this CHAT ROOM. They were looking for asian porn and found this instead. Nice try fellas, keep at it though and don't drop the soap!!!
Rich and Happy


Left: May 04, 2005 By: David Ortiz In: Hull

Bonnie, you jilted whore. Are you still mad I threw it in your backdoor after I rocked your vertical smile? HAHAHA. Ladies and gents, no I have not stolen any money, I wouldn't need to when we take your money in form of hidden fees, (check your HUD's more closely retards). Secondly, I am not religious, religion is for weak minded people and closet homos like most of you. I am a free spirit and make my own decisions in life. Keep chasing that dream you sheep. BAAAAA!!
I only enjoy woman, like Mike's mom. (What a MILF!)
Keep going to your weak mortgage lenders people, we will soon purchase them all and ruin your lives. I shall continue to post here. I have a pretty average johnson (7") and am not mexican. I am in fact half irish and half black. So to the racist pricks who made comments about mexicans etc etc and about being black, karma is a biatch mofo, u will get yours. Have fun digging out of bankruptcy kiddies! Bonnie, see you next week, I will pick you up at The Blarney Stone, u can blow me again. :)
Really Rich and really Happy


Left: April 29, 2005 By: Manny In: Mass

I think we all have had the last laugh at this train wreck named David Ortiz. From what I have been reading here, he is queer, a theif and a liar. Thanks for the information Bonnie. That prick Ortiz found the right job working for CW. I was considering CW but after reading the truth about this employee named David Ortiz, I'm going elsewhere!!!


Left: April 28, 2005 By: MIKE In: BOSTON

HEY DAVID...OPEN WIDE TIGER!!!!!


Left: April 28, 2005 By: Bonnie In: S. Boston

I think he would do you. He is not very picky about the men he sleeps with. He likes African American men because of their rather enormous genitals.


Left: April 28, 2005 By: MIKE In: BOSTON

I KNEW THERE WAS SOMETHING WRONG WITH THIS GUY JUST FROM HIS REDICULOUS LETTERS TO THIS SITE. HE IS A DISGRUNTLED FLAMING HOMO.
HEY DAVID, I HAVE A PETER, WOULD YOU DO ME?




Left: April 28, 2005 By: Bonnie In: S. Boston

David-
There is one other thing you have to come clean about, and that is the money you embezzled from Countrywide Home loans.
You can't run forever. Remember you only paid me off not to talk for 2 years. It has been 3 years now.
Tell everyone out there the truth- that you're rich and happy because you stole from the company.
I'm sorry it has to be this way David.
What happened to the church going David I used to know.


Left: April 28, 2005 By: Bonnie In: S. Boston

David-
There is one other thing you have to come clean about, and that is the money you embezzled from Countrywide Home loans.
You can't run forever. Remember you only paid me off not to talk for 2 years. It has been 3 years now.
Tell everyone out there the truth- that you're rich and happy because you stole from the company.
I'm sorry it has to be this way David.
What happened to the church going David I used to know.


Left: April 28, 2005 By: Bonnie In: S. Boston

I personally know David Ortiz. He is a proclaimed homosexual but he is a very nice person though.
David, I'm sorry I had to expose you, but it will be better for you in the long haul.


Left: April 28, 2005 By: Fred In: Boston

I think you are right Mike. David Ortiz spends way too much time on line- most likely doing bad, bad things to his little Mexican weinie. "Go back to Mehico hesse."
In addition those who must make claims to be rich and happy usually are not either of them.
I've studied cases like his before and found they have been abused as children (usually sexual abuse). It would not surprise me to find out David is an alcoholic and attracted to the same sex.
David, you need help before it's too late. I don't want to have to help support you in an institution some day.
Go back home to your gang in Mehico homey.
We no wan you in USA mon.





Left: April 28, 2005 By: MIKE In: BOSTON

TO DAVID ORTIZ IN HULL-
THIS IS NOT A CHAT ROOM YOU DIRTY COMMIE. WE ARE ALL PEOPLE THAT HAVE GOTTEN FUCKED BY COUNTRYWIDE! IF YOU DON'T HAVE A COMPLAINT, MOVE ON AND KEEP SURFING YOUR GAY PORN. DON'T TRY TO BE A CONSULTANT.
MOST OF THE PROBLEM IS THAT THE PERSONELL AT COUNTRYWIDE ARE NOT TRAINED PROPERLY AND IT LEADS TO GROSS MISTAKES...THEY ARE NOT PROFESSIONALS EITHER.
DAVID, I THINK YOU'RE MISSING THE POINT OF THIS SITE. I AM HAPPY THAT THIS SITE IS HERE TO EXPOSE THESE TYPES OF ORGANIZATIONS. PERSONALLY I'VE DEALT WITH MANY LENDERS. I NEVER HAD ANY PROBLEMS UNTIL I USED CHL. I HAVE CUT MY LOSSES AND FOUND ANOTHER LENDER. HOPEFULLY MANY OF THE PEOPLE WRITING TO THIS SITE HAVE DONE THE SAME THING.
HOWEVER DAVID, THIS SITE IS TO LET PEOPLE KNOW IF THEY USE COUNTRYWIDE HOME LOANS THEY MOST CERTIANLY WILL GET FUCKED IN SOME MANNER!!


Left: April 28, 2005 By: MIKE In: BOSTON

TO DAVID ORTIZ IN HULL-
THIS IS NOT A CHAT ROOM YOU DIRTY COMMIE. WE ARE ALL PEOPLE THAT HAVE GOTTEN FUCKED BY COUNTRYWIDE! IF YOU DON'T HAVE A COMPLAINT, MOVE ON AND KEEP SURFING YOUR GAY PORN. DON'T TRY TO BE A CONSULTANT.
MOST OF THE PROBLEM IS THAT THE PERSONELL AT COUNTRYWIDE ARE NOT TRAINED PROPERLY AND IT LEADS TO GROSS MISTAKES...THEY ARE NOT PROFESSIONALS EITHER.
DAVID, I THINK YOU'RE MISSING THE POINT OF THIS SITE. I AM HAPPY THAT THIS SITE IS HERE TO EXPOSE THESE TYPES OF ORGANIZATIONS. PERSONALLY I'VE DEALT WITH MANY LENDERS. I NEVER HAD ANY PROBLEMS UNTIL I USED CHL. I HAVE CUT MY LOSSES AND FOUND ANOTHER LENDER. HOPEFULLY MANY OF THE PEOPLE WRITING TO THIS SITE HAVE DONE THE SAME THING.
HOWEVER DAVID, THIS SITE IS TO LET PEOPLE KNOW IF THEY USE COUNTRYWIDE HOME LOANS THEY MOST CERTIANLY WILL GET FUCKED IN SOME MANNER!!


Left: April 26, 2005 By: David Ortiz In: Hull

Good morning kiddies!!! Its me, Rich and Happy here in MA!!! Wanted to just say hello to John who responded and "Dick". Hi guys!! How about those Celts losing last night, huh? Tough game. And the Sox too, but I think they will turn it around.
To the woman (I think its a woman), who asked if I was perfect, no, I am not perfect, just a regular working stiff like everyone else who has put in a lot of time and effort in trying to HELP people day in and day out to resolve problems like many of you are having. But I don't take kind to a sight like this. All lenders have customers like yourselves, it all depends on trying to get the right person to help you.
Sorry some of you are having trouble, if you are unhappy, refinance and go somewhere else. Carefull not to have many people pull your credit though, it will drive your credit score down. Shop around, see who can give you the best, honest deal (if they say NO POINTS-GET IT IN WRITING, its on the GFE and the TIL). Whether you go through CHL or Wells Fargo, its your financial future and responsibility to get a hold of.
Till next time folks, keep the laughter rolling!!
Sincerly,
Rich and Happy


Left: April 23, 2005 By: Dick In: MA

Rich and Happy my ass.
You'll see what the future holds for CW when I get done with them


Left: April 21, 2005 By: John Fitch In: CW hell

Dear Rich and Happy , you are truly an asshole!!! who do you think you are and don't say your Mr. Perfect! Does your supervisor let you talk like this? I'll bet they do!


Left: April 20, 2005 By: David Ortiz In: Hull

OH, AND ABOUT PAYING YOUR TAXES. ITS CALLED ESCROWING YOU SCHMUCKS! HERE IS A WILD AND CRAZY CONCEPT-PAY THEM YOURSELVES!!!! IT HAPPENS IN EVERY LENDING COMPANY. MOSTLY BECAUSE CITIES AND TOWNS HAVE COMPLETE REJECTS AND BORED SOCCER MOMS WORKING FOR THEM. THEY SCREW UP THE WHOLE PROCESS.
I HAVE TO GO NOW AND PUT GAS IN MY BIG SUV THAT WORKING FOR CHL HAS AFFORDED ME TO PURCHASE AND POLLUTE THE AIR!!
SINCERLY,
RICH AND HAPPY


Left: April 20, 2005 By: David Ortiz In: Hull

LMAO!!! This is still the best site for a good afternoon laugh. CHL is #1!! CHL is #1!!!
I hope most of you get foreclosed on. Keep blaming others for your poor financial descisions.
Just remember that little jingle folks, "Call 1-800 East/West", those folks will be out of buisness by next year. Guess who will scoop up all those loans?!?! You got it, Countrywide Home Loans. LOL!!! See you in a few months children!!
Sincerly,
Rich and Happy


Left: April 19, 2005 By: (anonymous) In: Massachusetts

I thought I had problems, but after reading the horror stories here, I think I got off easy. Oh, and I have a perfect history paying bills and a 786 credit score so don't tell me I had problems because I was irresponsible.

After my loan was resold to Countrywide, I asked my town to send me a duplicate copy of the property taxes bill to be prudent and ensure they were paid. After a friend of mine who described how he had problems with Countrywide paying the property tax on someone else's condo unit, I decided I'd be extra careful and pay the $400 tax bill myself (figuring that even if Countrywide paid that same tax bill, I would have owed the $400 on the next quarterly bill anyway). Well, Countrywide never paid and I called up to check on this. Countrywide said it always paid town tax bills promptly once they receive them. I called my town tax office and they had Countrywide's correct address. I asked Countrywide to remove the escrow and just let me pay the tax bill myself but they refused and offered that I could ask for the "extra" escrow money to be refunded whenever it went above a certain threshold. Well, I did this every month for 4 months, and, continued to pay the tax bills myself as I received them. Countrywide continued to miss the property tax bills and finally after 4 heated telephone calls to have my monthly escrow removed, they finally did so. So the lesson is, if you deal w/ Countrywide, assume they're incompetent BEFORE they have a chance to screw up.

And thanks for your site -- I was looking to set up a home equity line, and now, it definitely won't be with Countrywide.


Left: April 16, 2005 By: victim of CW In:

And furthermore , rich and happy , debt collectors from CW are not supposed to talk to your employees about anything..... that's
AGAINST THE LAW!


Left: April 16, 2005 By: victim of CW In:

Regarding rich and happy's comments and complete poor taste in language , it's obviouse this person belongs with CW. He should not be allowed to work for any reputable company.


Left: April 01, 2005 By: David Ortiz In: Hull

Hahahaha, this web site kills me. From what I have read, you have a bunch of disgruntled former employees who missed out on great jobs and great pay and benefits. You have a bunch of dumbasses who complaign about themselves being late and getting upset that it ruins their credit and blame CHL. Hey RETARDS, IF YOU ARE LATE ON YOUR MORTGAGE, YOU ARE SCREWED, NO MATTER WHO THE MORTGAGE LENDER IS!!!!!! YOU DUMB SHIT HEADS, SMARTEN UP PEOPLE!! ALL FEES ARE DISCLOSED TO YOU, WE HAVE TO, ITS THE FUCKING LAW!!!! OH, and to all the mortgage broker crap on here, go ahead, have multiple lenders pull your credit, that ruins it as well. BROKERS SUCK!!! Talk about rediculous fees!!! I have an idea, get your heads out of your asses, stop blaming others for your mistakes and take control of your financial situations. It sounds like most of you are not mature enough to own a home. Having a home is a priviledge, not a right you fucktards. CHL is #1 for a reason and we will continue to be #1 for years to come. For every one of your lame rants we get 10 Raves about our service and dedication to our customers. Go ahead and file all the suits you want, it won't matter. We are a billion dollar company and can drag all this on for years and eventually win. Why? Because its America, we have the power in the government. HAHAHAHA!!! Have a great day LOSERS!!!
Sincerly,
Rich and Happy


Left: March 28, 2005 By: jerry In: manchester`

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 22, 2005 By: B Ford In: Boston

Countrywide misapplied a loan payment in September to my principle. Since then, I have been getting monthly letters saying I missed a payment. I noticed the discrepancy in November and called them. I was assured that they would take care of it. It is now almost April and I have called every month since November trying to get this straightened out yet the letters saying I am late on a payment are continuing. I realized they also sent this information to all the credit reporting agencies and requested they inform them that the mistake was made by Countrywide. I also requested a copy of that letter be sent to me. I have received nothing from them. Today, I called again and got the same story. Their mistake has affected my credit rating. Count me in on a class action suit against these lowlifes.


Left: February 28, 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!



Date
Left: December 23, 2004 By: Ike In: Worcester

Countrywide sucks. I was refinancing from countrywide, as soon as they found out, they called me and promise me of a better deal then the other company. after weeks of waiting and special trick with the appraiser, they told me they couldn't refinance my house at a stressful times. I will wait for a few months, then get Countrywide out of my life and trust me, i will spread the word throughout the whole state


Left: November 23, 2004 By: Erin In: Kent

A few words of advice: file a complaint with the Better Business Bureau and contact HUD if they have not replied to your RESPA letter. Make sure you have all the documentation. Countrywide takes care of things a lot quicker if it is filed with the BBB.


Left: October 29, 2004 By: Mike In: Boston

Help! What is the next step now that Countrywide seems to have ignored my letter asking for my issue to be resolved and asking for specific information about our account under RESPA?

The story in short is that countrywide totally messed up our tax payments for over a year. The escrow account indicated to us that they were paying the right amounts, but we got a "notice of demand" from our town that told us otherwise. When we tried to unravel it with countrywide via their customer support we got connected with a different helpful person each time and it became clear over about a year that nothing was being done. Finally the town hall made some phone calls on our behalf to someone inside Countrywide at their tax department. This help, combined with us requesting a payoff amount so we could refinance forced the issue. In unraveling the problem with countrywide the town described to us how there was a wrong amount being paid to the wrong plot on our behalf. When this problem was corrected it was "corrected" to be a different wrong amount to a totally different plot (still not ours). When the first attempt to fix the problem was made, countrywide promptly withdrew an extra $2000.00 out of our bank account instead of correcting up the escrow account ledger! Evidently there is a third party that pays the taxes on behalf of countrywide and the Countrywide tax person had to work through them. Finally the town's contact at Countrywide and someone in the town tax department spent a lot of time unravelling things and closed out the accont. We got the difference from countrywide between what we had paid extra into escrow and what had actually been paid in taxes and the loan was closed out. It's important to note that the escrow account was NEVER corrected by countrywide. Sure the money paid to us was recorded when the account was closed, but the bogus tax payments were never removed so that according to the escrow we owed countrywide money at the time the account was closed. I didn't care because the loan was closed. Time passed... Recently we have been contacted by someone in countrywide's tax audit department with increasingly threatening letters telling us to pay them approximately $500.00 due them according to the balance in the escrow account!!!!! I've spoken to them and the attitude of the rep is that I owe the money and that's that. I tried to contact the person that helped to unravel the issue in the first place, but they have since left the company. I feel like I am dealing with a collection agency even though I am supposedley dealing with someone in the tax department. I'm afraid that they will go after my credit rating. It's fundamentally not fair! In reading this forum I found out about formally requesting that this be resolved in a timely manner and about asking for the maintenance history on the account. So I wrote the letter and waited. Sure the threatening letters have stopped, but now it's worse - nothing. Silence. I don't want to call them, but they have not replied and it's been a full month now. Any ideas anyone? Help!



Left: October 29, 2004 By: Mike In: Boston

Help! What is the next step now that Countrywide seems to have ignored my letter asking for my issue to be resolved and asking for specific information about our account under RESPA?

The story in short is that countrywide totally messed up our tax payments for over a year. The escrow account indicated to us that they were paying the right amounts, but we got a "notice of demand" from our town that told us otherwise. When we tried to unravel it with countrywide via their customer support we got connected with a different helpful person each time and it became clear over about a year that nothing was being done. Finally the town hall made some phone calls on our behalf to someone inside Countrywide at their tax department. This help, combined with us requesting a payoff amount so we could refinance forced the issue. In unraveling the problem with countrywide the town described to us how there was a wrong amount being paid to the wrong plot on our behalf. When this problem was corrected it was "corrected" to be a different wrong amount to a totally different plot (still not ours). When the first attempt to fix the problem was made, countrywide promptly withdrew an extra $2000.00 out of our bank account instead of correcting up the escrow account ledger! Evidently there is a third party that pays the taxes on behalf of countrywide and the Countrywide tax person had to work through them. Finally the town's contact at Countrywide and someone in the town tax department spent a lot of time unravelling things and closed out the accont. We got the difference from countrywide between what we had paid extra into escrow and what had actually been paid in taxes and the loan was closed out. It's important to note that the escrow account was NEVER corrected by countrywide. Sure the money paid to us was recorded when the account was closed, but the bogus tax payments were never removed so that according to the escrow we owed countrywide money at the time the account was closed. I didn't care because the loan was closed. Time passed... Recently we have been contacted by someone in countrywide's tax audit department with increasingly threatening letters telling us to pay them approximately $500.00 due them according to the balance in the escrow account!!!!! I've spoken to them and the attitude of the rep is that I owe the money and that's that. I tried to contact the person that helped to unravel the issue in the first place, but they have since left the company. I feel like I am dealing with a collection agency even though I am supposedley dealing with someone in the tax department. I'm afraid that they will go after my credit rating. It's fundamentally not fair! In reading this forum I found out about formally requesting that this be resolved in a timely manner and about asking for the maintenance history on the account. So I wrote the letter and waited. Sure the threatening letters have stopped, but now it's worse - nothing. Silence. I don't want to call them, but they have not replied and it's been a full month now. Any ideas anyone? Help!


List ALL Entries