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

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

Need A Home Loan WI, 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 Wisconsin (WI) have been saying...

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

ADD YOUR STORY Date: Mon 03/5/07 9:38PM From: mo  City: Milwaukee Message: I am very surprised at this site. I dealt with a wonderful Countrywide Account Executive in Milwaukee, WI. He was courtious, polite, and very professional. He came to my home, discussed my situation in detail, and gave me several options to improving my current mortgage situation. Although I spent over $10,000 on the refinance procedure, I saved over $100.00 a month. I also reduced the interest rate and the term of my mortgage. I also recieved $5000.00 cashout for home improvements. It was the best experience of my life. I am refinancing again next month, for fun. Date: Mon 03/5/07 9:39PM From: John   City: Wisconsin Message: I am a former employee of Countrywide. I agree with some of the things being said on this site. The company doesnt pay very well, and forces you to do loans to even make a basic living. Which puts pressure on everybody to cut corners to get loans done. Some of the employees have/had criminal backgrounds, yet somehow got hired . There also is a culture of , not prejudice, but insensitivity to various groups. I can see how customers payments get lost. The company is so large and complex, with literally a dozen different computer networks interacting, it is easy for mistakes to be made. I wont go so far as to say dont get your home loan from Countrywide, but just be aware of the issues I have raised here before you do. The pricing for their loans are about the same as other companies. Date: Mon 03/5/07 9:39PM From:   City: Message: I have been dealing with cwhl for two months. at first i was amazed at how fast they got me a loan we had bad credit in the past and thought it would be harder than that. ever since we were approved the service has gone downhill. I cant get in touch with my agent and he does not return calls. today i stumbled apon this web site and it has enlightened me. i am ten days away from closing but thank got contigencies have kept me from signing any binding paperwork. I have found a new lender out of illinois who has offered me a lower rate no money down, and i will still be able to close on time. if anyone is interested call jennifer hopkins at Residential Loan centers of america at 18003990865 and tell her Jason Neuman sent you she is very polite and seems to really care about her clients definetly a world of difference from cwhl. thank god for this site i almost had a very bad first home buying experience Date: Mon 03/5/07 9:39PM From: Terry  City: Brookfield Message: With all the complaints I've read I haven't seen where people have been contacting there original loan officer. What consumers don't understand is that Loan Officers live off referals and repeat business. Any decent loan officer will go to any length to help a current customer. Most loan officers have back door numbers to cut through the red tape and get issues resolved. Date: Mon 03/5/07 9:40PM From: Laura  City: Camp Douglas Message: I was planning on checking out Country Wide for a home equity loan to consolidate my bills..thanks for creating this website and warning me. I see a lot of post stating interest in a class action lawsuit and thought maybe this site will be helpful for all of you who were screwed by this company...good luck to all of you!! http://www.lawyersandsettlements.com/ind ex.html Date: Mon 03/5/07 9:41PM From:   City: Oshkosh, WI Message: I am having very severe issues right now. I refi'd 3 months ago and whee my loan has been sold 3 times now. Anyways I just recieved notice of transfer to Guess Who? CountryWide. the transfer doesn't take effect until the end of the month so I'm quickly looking for answers. Does anyone know of a way to contest this transfer? Any other ideas to help me? Email @ rollinhigh@hotmail.com Any help would be very appreciated. Date: Mon 03/5/07 9:41PM From:   City: Kaukauna Message: I am so happy that I found this website. I thought it was just me... I haven't been receiving my home equity loan bills in the mail for the past 4 months. When I called the first month that I didn't receive one, I asked the customer service rep why a bill wasn't sent to me and his answer to that was.."we legally don't have to send you a bill. It is your responsability to make sure that you have your payment to us ontime." Nice!! I have to call them every month around this time to request a bill be sent to me. I figure this is a way for them to stick me with late fees. I am also really upset with the $75 maintenance fee that they charge. Before we refinanced, we didn't have this fee. We get charged two fees, one for our mortgage and one for our home equity line. $150 per year seems a bit much considering it's a horrible company and their service isn't worth one cent!! I would like to participate if anyone is filing a class action lawsuit against them!! Date: Mon 03/5/07 9:41PM From: Mike  City: green bay Message: My name is Mike and I have a CountyWide customer for 15 months now and I have did two loans with them, the first loan and then a payoff and a refinance for a lower rate on a 20 year loan. Now that the rates went down again to a low rate of 4.875 on a 15 year, they are refusing me a loan with cash out, (note, I own a 245k home and I only owe 83k, I own 66% of my home and all I wanted to do was pay off a loan of 83k, and borrow 91 on a refinance note for 15 years and they refused me,) I showed them proof of over 700,000 that I am worth but that wasnt good enough for them as I am not employed and could not show them a check stub or a W-2 for earned wages, this totally blu me away as they did a loan for me twice but not a 3rd time, the gal I talked to was just a total nut case. customer service is totally rude. I am just gonna pay this loan off and be done with them, best to you C-wide, your friendly lender co my a--. Date: Mon 03/5/07 9:42PM From: Curtis  City: LaCrosse Message: Our previous mortage Comp. sold our mortgage to CW last spring. We were in the process of refinancing to lower payments.... CW said they would also be willing to refinance but that they needed us to have a positive history withthem for a period of time. They asked that we pay an additional amount for 3 months and they would work things out. Got the run-a-round and 6 months later they will not work with us. In addition our Payments have gone up almost 250.00 dollars and they are now denying the previous conversations even took place. They misinformed us, lied to us, would not contact us...and they now say that chapter 13 is probably the best way to go. Because they placed us into a delinquent status (7 days) we are not able to re-finance with anyone else right now. They are either extremely stupid or deviant beyond belief. I have since been in contact with 2 other families in a similar situation. Date: Mon 03/5/07 9:42PM From: Phil   City: Eau Claire Message: I just purchased a house in Eau Claire and, like some other people, used Countrywide on the advice of my realtor. From the date of application to the date that I was supposed to close there were 45 days. I was originally told that that would be more than enough time and everything seemed to be very good. I am a first time home buyer but have very good credit so I thought I would be OK. After waiting over two weeks to hear anything back from my loan officer I finally talked to him and he said that my application got lost and that I should complete another one. Needless to say I was a bit scared that it had been lost since it had so much personal information. Anyways, I completed another application and waited another week without hearing anything. You would think since I'm the customer he'd try a little harder to make me happy...but when I finally talked to him again I was told that he hadn't been able to contact my employer or bank to get the information he needed and then he kept leaving messages. My employer said that he had never had any messages or any attempts to be contacted. Finally, after the advice of a friend of mine who used a differenct loan officer I switched. I had to fill out yet another loan application but the loan officer I worked with got everything he needed within 4 days and we closed the loan on time. I have yet to this day to be contacted by the Countrywide loan officer(apparently I wasn't too important). If any of you are looking for a good, honest loan officer call Jacob at 715-233-0331. He worked wonders for me. Good luck Date: Mon 03/5/07 9:43PM From: Rebecca   City: Milwaukee Message: I agree with Michael when he reminds you all to take responsibility for your own actions. You need to be on top of your own game, responsible in caring for your own credit and financial health, and care enough about yourself to never bite off more than you can chew financially. And don't ever finance with a lender you don't know you can trust. Meet your lender. Ask lots of questions. And make intelligent, well-informed complaints, if you're going to. If you want to talk to someone you know isn't going to screw you over, and actually wants to inform you, write me @ rebeccamara@gmail.com, or call me at 414-640-2182. I've met many very shady lenders, and many very honest ones. It usually has a lot more to do with the person representing Countrywide than Countrywide itself. Date: Mon 03/5/07 9:43PM From: mike   City: Green Bay Message: Rebecca, I Read your note about responsability and taking your own actions, this is mike in GreenBay, yeh I'm not to happy with the way Country Wide treats their customers, Rude and demanding and usually have no answers for you, just like dealing with a phone co or a soliciter. Any way I have switched to a different lender, single, (MAYBE)put it this way, not married, mooch2seeu@yahoo.com Date: Mon 03/5/07 9:44PM From: lynn  City: minneapolis Message: these pricks want 2.00 per transaction to set up bi-weekly payments. that's over a thousand dollars over the course of 20 years. when i asked if the ceo was in prison the guy was insulted. this company will be sorry they ever bought my loan. i love calling idiot customer service people in my free time at work. i am currently sending them a check every week to apply to my principle for $10. penny anny work for them. reducing my pricinple... albiet slowly, for me. Date: Mon 03/5/07 9:45PM From: Gautam   City: Brookfield Message: Thanks for providing the information and this site, I am in a process of buying a house and looking for Home Loan, just in the research process I searched on Countrywide and read how much problem people are facing, I HAVE DECIDED NOT TO GO WITH THEM AND NOT TO DO ANY BUSINESS WITH SUCH PEOPLE WHO CAN NOT CARE FOR THE CUSTOMERS. If they claim to be the best then why can’t they look into the errors. People are still posting their problem on this site and it seems that Countywide is fully aware of the facts and still they do not want to do any thing. It seems to be a big scam to me… FRIENDS DO’T WORRY THERE WILL BE JUSTICE ONE DAY. Date: Mon 03/5/07 9:45PM From: jeff   City: Message: I'm sorry to say it is the VERY truth. I have had problems for 4 months and no one at countrywide has resolved my issue with a lost payment. Date: Mon 03/5/07 9:46PM From: Kathy   City: Phoenix Message: We recently refinanced our mortgage through a broker. Countrywide Home Loans bought our mortgage from the bank we originally signed with. For the last 10 years, through our original mortgage, then the first refinance, we have been a bi-weekly pay by check, snail mail, with a little added extra each month just to make sure we stay ahead of the game. We have done the same on the new re-fi as well as since the loan was sold to Countrywide. Figure this out: We pay $1300 per month on a $1217 per month payment, in 2 payments of $650 each, all on time, well before the monthly due date. Countrywide says we are in default! The ONLY way you can bi-weekly pay to Countrywide is to allow them access to your bank accounts for automatic withdrawals, and then pay a fee for the privilige! Anything else 'doesn't count'. According to Countrywide, the sentence on the promissory note we signed with the other company that states "...monthly payment due on the first of the month" specifically states that we can not make bi-weekly payments by check. (huh? That's a bit of a stretch, don't you think?) Somehow, the same statement can be construed to mean that bi-weekly payments can only be made through direct withdrawal from our checking account with a processing fee per payment (kind of convenient). Fortunately I have had a few years in the legal field to know that when push comes to shove, our cancelled checks will win in the end. However, we will probably get to the point of foreclosure before we can use them in court. Funny, isn't it? We could go to foreclosure even though not only have all of our monthly payment amounts been paid before the due date, but we have paid extra every month, and the company cashing the checks says it doesn't count! Just did the yadda yadda give it to me in writing letter, then to AZ attorney general. Hopefully there is a greedy lawyer out there that will try to class against this company. Countrywide really needs a reality check! Date: Mon 03/5/07 9:46PM From: Steve   City: Saukville Message: My loan was sold to Countrywide immediately upon closing. This is the second straight year that Countrywide has reported less interest on my 1098 statement than what I actually paid. This year the understatement was in excess of $2600. When I called cutomer service I was told that this is an all too common experience and that it would take him 7 to 10 business days to get my account information and make any changes, if in fact they were warranted. Hmmm - funny I can access my own account on the internet and add up the interest payments. Makes me wonder how many people don't catch the mistake and lose out on their itemized deductions. Then there is the little issue of applying additional principal payments to the escrow, even though the coupons were marked correctly. I had to contact them 3 or 4 times before this mistake went away. Terrible loan servicing. I don't think I ever got an apology either just some lame attempt to cross sell one of their other shit product. Wish CW would sell my loan servicing to someone else. Date: Mon 03/5/07 9:46PM From: Jill   City: waukesha Message: Country Wide did not pay my taxes on time, even though I was reassured twice that they would be. Date: Mon 03/5/07 9:46PM From: Jody   City: Milwaukee Message: We have been with Countrywide for 3 years and 3years they have done nothing but screw up my life!!!! They have misapplied payments LIED and Cheated me out of time and money and still after all of that I ended up having to file Chapter 13 because Countrywide will not fix their mistake They tried to put us into foreclosure and my only option was to file bankruptcy I have been trying to refi out of chapter 13 since March of last year and Countrywide still manages to Mess things up they will not give information on title and they are slow to get any bank looking at my loan Docs needed. I can't believe that a company can do this to people. They make my husband and I feel like we are the scum of the earth when in all reality it was a simpleton from their MULTI-MILLION dollor corporation that made the error that started this mess. Date: Mon 03/5/07 9:47PM From:   City: Message: Send all complaints to sandy_samuels@countrywide.com and rick_wentz@countrywide.com These are top Legal People at the company. Date: Mon 03/5/07 9:47PM From: Jack   City: Madison Message: I have tried to gat a preapproval or a qualification letter from these people for 2 weeks. First, they never call back. "I will call you Monday" they never call. I have to call them 3 to 4 days after they say they are going to call. Next, they keep telling me credit score is 610. I have had to pay for 2 sets of credit reports to verify this claim. Both times mid score is 645, 643. Went down due to lender pulls. Lowest score went from 610 to 660 and they still say No, it's 610. This coming from a branch mananger. Talked with him yesterday. He has pissed me of for the last time.After I have to call him, I said I needed a quote so I could compare lenders. He said he wouldn't pull another report till I find the house I want. He also said someone would call me later, as he was giving it to a loan consultant. He said he would give me a quote using both credit scores. His and mine. Later in the day I get an email from him saying that credit report still shows 610 and that I could give him the quotes I get from other lenders and he probably could match it and Good Luck househunting.No phone call , No qualification letter, no preapproval. They are a waste of time if they don't even take the time to call you. Also, they wasted 2 credit pulls.This company has NOTHING going for it and I will NEVER use them or suggest to ANYONE to go to them for a loan. Date: Mon 03/5/07 9:48PM From:   City: Message: To Jack in Madison, I can do you one better. Countrywide has yet to issue the Rejection Letter it promised!! They say the appraisal has to be paid for first before they will hand the letter over!! (I'm pretty sure this is illegal.) Has anyone else been treated like this?? Would like to know and will be checking this board periodically to see. Thank you. Date: Mon 03/5/07 9:48PM From:   City: Milwaukee Message: I worked for Countrywide last year as a loan officer. I had been in the finance field for about 10 years but wanted to try the mortgage world out. I do not know where to start with the deceptive practices this company engages in. At training we were told to never let the borrower know the closing costs of a loan unless they forced us into a corner and made us tell them. We were told to tell them "anywhere from 2% to 5% of the loan size". Of course this always sounds better than $9000. Once we decieved the customer into signing the opening package, we would send an appraiser out to the house to do an appraisal. The customer would have to pay for it at the door. The appraiser would then do an appraisal that would be undervalued by at least 10% of the real value. The reasoning behind this is that loans would cost more if they borrowed more of the homes value. I had a few instances where I had to tell a borrower that the value of their home was less than what they had paid for it a year ago. This was in 2004 when the housing market was booming and houses were seeing a 10% increase each year. Then when we got closer to closing the manager would change the deal on us claiming we werent making enough money. I would then have to explain this to the borrower. Needless to say it was impossible to find someone who appreciated what you did to them. Countrywide would pay you right below the poverty line for a base salary so that the only way you could survive was to do as the manager said or you wouldnt get a commission check. They also would make you call current customers 2 to 3 times a day to try to get them to refinance. Either they did refinance, often for high closing costs, or they would tell you to take them off your list. You would note it on the system but then the next day your coworker would get that same lead with the DO NOT CALL info magically erased. I can not tell you how many people we pissed off doing this. One guy actually told me he was refinancing with a different company so he wouldnt get our harrassing phone calls anymore. It was truly like working for the devil. I wouldnt wish a Countrywide loan on my worst enemy and would recommend everyone stay away from this company.What is funny is that when I gave them my notice that I was quitting they told me I wouldnt be able to find another mortgage company that could do what they could do. They are right, I now work for a mortgage banker who doesnt screw their borrowers and gives them both good rates and good closing costs. STAY AWAY FROM COUNTRYWIDE. By the way, I was considered a star when I worked there and would consistently be the top performer in my region so this isnt sour grapes. It is just someone who regrets ever working for the devil. Date: Mon 03/5/07 9:49PM From: Ken  City: Park Falls Message: My home equity loan from Quicken Loans was purchased by Countrywide about a year ago, and somewhere in the transfer, they messed up my property tax info for escrow, and only paid 2/3 of my taxes. As the property tax was in excess of the value of the escrow, Countrywide sent me a form allowing them to withdraw an additional $80 per month (autopay) to offset the disparity. They actually withdrew an additional $280 per month, claiming they can do it without my authorization, (as allowed by Federal Law)to offset their costs. I was told that I may be offered a refund of any unspent escrow funds at the end of the year, but there was no guarantee. By my estimate, I will have paid in over $2400 in excess funds, which they will sit on for over a year. My repeated complaints have gone unanswered, and I'm afraid the only way out of this is legal action. How can they get away with this? Date: Mon 03/5/07 9:49PM From:   City: Message: Ken In: Park Falls Cancel your auto pay - it might take 30 days to go thru or just close the checking account and get a new checking account number. Tell your bank your check got stolen. Go back to paying online and take control of your finances. Unfortunately it sounds like quicken loans who sucks pretty bad too underestimated your taxes when they set up the loan so Countrywide does have the right to raise your payment in order to pay the proper amounts. My question to you is if your loan us under 80% did Quicken loans ever once offer to let you pay your own taxes and insurance? Tax and insurance accounts are the biggest scam since bi-weekly payment programs. All they do is hold your money all year, interest free and then when the items come due they pay the taxes or insurance or extra paymnet per year on the bi-weekly payment program. Figure it out. Be diciplined enough to put that money in your own savings account by you and make some interest and take control of your own payments. Date: Mon 03/5/07 9:49PM From: Katie  City: Message: THANK GOD I found this site today. I just gota call back from them asking me to contact them in re: to going further in the loan process...After spending 2 + hours reading this site...I will NOT be making this call back. Thanks so much for making such an honest site abnout such a terrible thing! Date: Mon 03/5/07 9:50PM From: Scott Georgeson  City: Message: CountryWide, well where to start. June 06, i had gone for military training. The payment wasn't received in time, so they just ballooned the late fee's. Iended up just being able to pay off the penelties. I came back from Iraq to a divorce, had to find a place of my own. Wisconsin and their 50/50 marital law, she got EVERYTHING. Money was scarce, so i went with the joke that we are not happy with. They wouldn't accept my payment until the mess was cleared up. Well it is now Jan 07 and i still haven't been able to make a payment. My credit score WAS 714, and now thanks to the LAZY SOB's there, it is a booming 480. Talk about a blast to my self-respect... At the present time, i am graced with working with their "so-called" work-out section. Wow what a nightmare. I get a letter in the mail today and i was instructed that on a certain date in march, my home is going up for auction at the sherriff's department. Thanks for the courtesy call. Nothing like leading you to believe one thing then behind my back selling me out. Also, i did the 80/20 split (20% is a equity credit card) but the total sale value is just the 1st mortgage. Sticking me with the credit card that i didn't even know about till 4 months age. Well IF it sells....They can kiss that 20% good-bye too, cause they have already destroyed my credit, what else can they do??? I so do not like Countryworthless!!!!! Date: Thu 04/12/07 12:47PM From: Uh-Oh Message: NEW YORK, April 12 (Reuters) - Countrywide Financial Corp. (CFC.N: Quote, Profile, Research), the largest U.S. mortgage lender, said on Thursday the amount of mortgages in its portfolio that are in foreclosure nearly doubled, amid a difficult U.S. housing market. Date: Wed 05/30/07 11:27AM From: Brandon Pollard Message: In January of 2004 Country Wide Home Loans sent me a check in the amount of $1015.00 informing me they over paid my taxes for the 2003 fiscal year. I called three times, spoke with three different individuals and recieved the same answer,'we overpaid you taxes and the money is yours to keep do with it what you will. In 2005 I recieved another check for the same amount once again, even more confused I called them again and recieved the same answer. I waited for a few weeks and deposited the check. On the third year in January I recieved a letter informing me my escrow account was in the negative and my payments would increase $400.00 a month for 18 months to make up the negative balance. I called the mortgage company and they stated the checks they wrote me were a mistake and they had no idea why they sent them. The payment increase caused me to file chapter 13 bankruptcy. You might ask, why not sell your home and get another house? The reason is this I financed with a great intrest rate and my payments were lower than any house or apartment of that size. I also have a five year old son and I would rather keep my house instead of trying to come up with a deposit or down payment for a new house or rent home. Now we are in year 2007 and I just recieved a letter from them again stating my escrow is in the negative $8000.00 for the years 2006 and 2007. How is this possible my taxes didnt double and my house has only increase in value $12,000.00 since I bought it in 2001. I could understand a tax increase of three to sixhundred dollars in a year and I would expect the mortgage company to inform me of this so I could be paying the difference a month at a time. They didnt. I have been paying $1826.00 a year in taxes since sept. 2004 and I called the city to see what my total taxes have been for the past three years they informed me the taxes were all average about $2200.00 per year. That would put me having a negative escrow balance but not $8000.00 worth, where is the $8000.00 coming from? To top itoff they are telling me my payment will double to $1486.00 per month starting in July for 18 months to cover the balance. Also my insurance went down almost $200.00 dollars last year and I have not seen where that money is going, I would think it would reflect on my monthly payment. I have googled Country Wide home Loans and have seen complaints from coast to coast. That is alot of complaints, now I realize that people can complain and post complaints that are just complaints because they are mad and in fact it is there fault the situation they are in, but to have this many people complain is rediculous and something needs to be done about it. There is alot more to my story but I wont keep talking. I just want people to know about it and see if there is something that can be done. One question? Why, when they paid my taxes each year and noticed my escrow did not have enough money in it didnt they inform me, why wait two to three years to let me know. And where do they get $8000.00 in taxes? I could have that much in taxes add up since I bought the house, are they trying to put hugh fees on this even though I had no idea. They should have to call and inform people of this not wait three years. something should be done, let me know. Brandon Cedar Hill, Texas U.S.A. Date: Sat 07/28/07 7:14PM From: Richard Message: Did you know that if you have a Countrywide Mortgage, CW brokers like me can simply type in your account number and see if it qualifies for a streamlined Refi? Email Ifixbadcredt @yahoo.com Date: Thu 10/11/07 6:44PM From: D Berth Message: Is this site still active? I would like someone to contact me about employee issue I am having with CFC. Date: Thu 10/11/07 6:45PM From: D Berth Message: Is this site still active? I would like someone to contact me about employee issue I am having with CFC. Date: Fri 10/19/07 5:29PM From: Terri Message: We are awaiting closing...supposedly with Countrywide on Monday we will see if it comes to fruition. We started the process early Sept and since then have had to duplicate information, send updated pay stubs cause every 30 days they need new ones and we are now on day 43. We were told we had judgements, we did not... but some guy with a similar name does so we cleared that up and had to educate our loan officer as to what needed to be done. We were denied cause my husband pays child support and yet according to their guidelines if there is less than nine months left to pay that is not an issue. We had to call Countrywide and inform them of FHA guidelines to get our loan properly processed. Every time we call and actually get a return call (this is rare) our file has to be sent to underwriting. This has been the excuse on numerous occasions and yet when I question why our file does not move unless we call I am told that they had lay offs and our underwriter was laid off and my loan officer now has to drive 60 miles to get to work and that with the transition things are taking longer. We are supposed to close on monday and still cannot get the numbers like oh say...our payoff, cash out amount, amount we are actually refinancing (this has changed several times even between the time I initially did the loan over the phone and when the paperwork got to the loan officer). We asked for our "numbers" we were told they cannot give us that information until a hud certificate is complete at the title company and yet interestingly enough the title company tells us that we should be able to get these numbers. We are not new at the mortgage game but I can honestly say we have jumped through more hoops than a circus poodle and I will believe the closing when it happens until then I am just another dissatisified customer. Date: Thu 11/8/07 8:54AM From: linda Message: I am not going to go into the details about the loan pratices this company used on my 80 year old mother, it's the same scenero as all of the other e-mails listed and more. There is a site www.ftc.gov where you can file a complaint to be added to a cla** action lawsuit. Read the entire site on scams. Good Luck to All. L Date: Tue 12/4/07 8:18PM From: Kerri O'Brien Message: I have had my loan with Countrywide for over 7 years, they kept raising my monthly payment, when I call to find out answers I get the run around and feel frustrated and confused. My payment started out at 800 per month and within a year or so they wanted 1200. I have just done what they said because they threatened to foreclose. Right now I am 3 months behind and they refuse to take any payment at all unless I pay the whole amount of late charges and what ever else due - over 5000.00 when I figure it out I should not owe that much but some how they have added on all kinds of late charges. I told them that I have never heard of a business not accepting a full payment even when someone is late on the payment. When I first got my loan it was through a different lender and it was hard to get the right address from them to send the payment to the right place. (this might have something to do with some of my late charges) When late charges started accruing I TRIED to contact them to find our exactly what I owed. They would give me a figure. I would make the payment immediately. The payment would never show on our account. They'd add more late charges and say they couldn't accept a partial payment. I found an article in my local newspaper stating that the government is stepping in, so I am hoping that I am not crazy and that this matter will get resolved some how. I was told by a reputable lender that this kind of stuff is happening a lot with Countrywide and that they want my equity. I now owe more on my loan than when I original got the loan. I think there might be some legal action that can be obtained If anyone know anything or would like to get on board to help figure this out please email me at Kobrien12@charter.net Date: Tue 12/4/07 8:19PM From: Kerri O'Brien Message: I have had my loan with Countrywide for over 7 years, they kept raising my monthly payment, when I call to find out answers I get the run around and feel frustrated and confused. My payment started out at 800 per month and within a year or so they wanted 1200. I have just done what they said because they threatened to foreclose. Right now I am 3 months behind and they refuse to take any payment at all unless I pay the whole amount of late charges and what ever else due - over 5000.00 when I figure it out I should not owe that much but some how they have added on all kinds of late charges. I told them that I have never heard of a business not accepting a full payment even when someone is late on the payment. When I first got my loan it was through a different lender and it was hard to get the right address from them to send the payment to the right place. (this might have something to do with some of my late charges) When late charges started accruing I TRIED to contact them to find our exactly what I owed. They would give me a figure. I would make the payment immediately. The payment would never show on our account. They'd add more late charges and say they couldn't accept a partial payment. I found an article in my local newspaper stating that the government is stepping in, so I am hoping that I am not crazy and that this matter will get resolved some how. I was told by a reputable lender that this kind of stuff is happening a lot with Countrywide and that they want my equity. I now owe more on my loan than when I original got the loan. I think there might be some legal action that can be obtained If anyone know anything or would like to get on board to help figure this out please email me at Kobrien12@charter.net Date: Thu 01/17/08 7:42AM From: MARK Message: you are all RIGHT.they can't and won't HELP ANYONE FROM FORECLOSURE! SEEMS FUNNY THEY HAD TO FINALLY BE BOUGHT OUT !THAT SHOWS HOW MUCH THEY REALLY SUCK!HOPE THE COMPANY BURNS DOWN! Date: Fri 03/21/08 3:24PM From: Mary Lou Biel Message: My story is three and a quarter pages long. I do not know how to paste it in this format.