Countrywide Financial <? echo $state ?> Home Loans Sucks

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

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

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

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Date: Mon 02/26/07 2:08AM
From: Billy

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Date: Sat 02/24/07 9:54AM
From: Too Smitten

Message: What you have described is the “corporate culture of Countrywide.” It is a culture of competition not cooperation and looking out for number 1. Part of the review for managers is being able to fire or be able to layout people. By handing out promotions to some and not others who may be doing a better job, it keeps everyone running in place and watching their backs, stabbing each other before they get stabbed in the back. And if someone gets too close and threatens their position, they deny them a promotion or bad-mouth them behind their back. I know, all too well. But that is what is fostered in the company. It is just the Countrywide way.
Date: Fri 02/23/07 2:44PM
From: Sherri Rosen

Message: If you have had problems with Countrywide Homeloans please e-mail me at sherrirosen@yahoo.com .I am a film production coordinator, realestate agent, and single mother. I will be going to the media with my story of how Countrywide's reprehenable business practices have hurt me and my children. They are going to sell my house on March 6, 2007 and I am not behind on my payments.Please send me your story and lets all get together and do something about this. We are stronger in numbers. Contact your state Representatives and your Congressmen tell them your story. Countrywide should be put out of business for abusing americans and destroying their american dream.

Have courage enough to stand up for what is right!
Date: Fri 02/23/07 2:06PM
From: Mike Harding

Message: This company is full of crooked and incompetent people. They adjust the amount owed and I had to contact them several times to get them resolved. Every person I spoke with including the supervisors told me different stories. They charge insurance even though I sent them to the fax number they listed three times. They make your life miserable. Too much run around. Please NEVER and EVER finance through COUNTRYWIDE. They are deceiving and it is a shame that they are still in business. You better be careful if you financed with them. They may also add unknown debits (charges) in to your account and make you run around like crazy. Their customer service is SUB PAR; they are full of incompetent and disgraceful and liars. They do not know what they are talking about. STAY AWAY FROM COUNTRYWIDE!
Date: Fri 02/23/07 1:45PM
From: Jane W.

Message: I worked for Countrywide for about a year and left in August, 2005. In 2005 Countrywide decided to stop paying employees current and start paying them one week in arrears. They gave employees what they called a "Cutover Loan" which would cover the one week's salary the employee would be missing in their paycheck because of Countrywide's policy change. Subsequently, the employee would pay Countrywide back the "Cutover Loan" through paycheck deductions. When I quit Countrywide in August, 2005 I was sent a final paycheck that was suppose to cover the money I was owed for vacation I handn't taken and days I hadn't been paid for yet minus whatever amount I still owed on the "Cutover Loan." Now, a year and a half later I just received a collection letter from Countrywide saying that I owe them $332.18 from the "Cutover Loan" from 2005. I doubt that I still have any paystubs that I could use to verify the accuracy of what they are saying. Is this legal for them to send me a final payoff check and then send me a letter a year and a half later saying tha5t they are attempting to collect a debt I owe them?
Date: Fri 02/23/07 10:01AM
From: Kim

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Date: Fri 02/23/07 2:18AM
From: Rex

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Date: Sun 02/18/07 12:44PM
From: woody

Message: I am very happy , I just found this site! At least I can blow off some steam. COUNTRYWIDE IS SIMPLY A BUNCH OF THIEVING BASTARDS!! Our loan was a done deal, right? WRONG!! The minute Counrtywide funded our loan they decided to add $3000 per year for their own flood insurance. Our county in GA does NOT participate in the FEMA flood program, so NO flood insurance is available to us. Here is the kicker….after a bunch of BS and paperwork, Countrywide has admitted that we are not required to purchase Flood Insurance from them but they have refused to remove the charges or credit back the funds they have stolen from our escrow account. This has been going on since May 2006. Now we are taking them to court…no choice. I don’t care how much I have to spend on attorney fees, I refuse to let Countrywide steal our money.

Countrywide are masters at giving you the RUNAROUND! Before anyone should choose them as a lender they should call Countrywide’s Customer Service number and get a preview of how Countrywide treats their customers. Their stall tactics are all by design. This is all created to pressure and discourage folks from fighting them in hopes we will simply give up. This is the only way they can continue to steal from their customers.

I would have more respect for Countrywide if they came to my home wearing masks and stuck a gun in my face.

If anyone reads this and knows of other ways to warn the public about how corrupt Countrywide please send me info wdew@tnwebbing.com

Woody Dew
Date: Sat 02/17/07 11:39AM
From: J.L.

Message: I have a line of credit with Countrywide, I was planing on change it to Home equity, after sending the wrong papers and waiting for a month I called the Loan Officer, and told him I didn't want the loan anymore. A week later my insurance company call saying Countrywide was asking for a copy of my insurance for the loan, I told them I cancelled that loan, two minutes later somebody from Countrywide in called me about it, I told the lady I already cancelled the loan, a week later the Title Company called for closing, not only they didn't cancelled the loan but they were trying to refinance my firts loan without telling us anything.

THis people shluld never allowed to do loans and lied to people.
Date: Mon 02/12/07 8:29PM
From: Alex

Message: [url=http://greatmp3download.org/rolling _stones_11898.shtml]Rolling Stones Emotional Rescue[/url] | <a href=" http://greatmp3download.org/rolling_ston es_11898.shtml ">Rolling Stones Emotional Rescue</a>[url=http://greatmp3download.o rg/pink_floyd_13089.shtml]Pink Floyd Animals (20th Anniversary Edition)[/url] | <a href=" http://greatmp3download.org/pink_floyd_1 3089.shtml ">Pink Floyd Animals (20th Anniversary Edition)</a>[url=http://greatmp3download .org/nirvana_13267.shtml]Nirvana Outcesticide - In Memory of Kurt Cobain[/url] | <a href=" http://greatmp3download.org/nirvana_1326 7.shtml ">Nirvana Outcesticide - In Memory of Kurt Cobain</a>[url=http://greatmp3download.o rg/abba_12381.shtml]ABBA Klinga mina klockor (by Benny Andersson)[/url] | <a href=" http://greatmp3download.org/abba_12381.s html ">ABBA Klinga mina klockor (by Benny Andersson)</a>[url=http://greatmp3downlo ad.org/deep_purple_10040.shtml]Deep Purple Nobody`s Perfect CD1[/url] | <a href=" http://greatmp3download.org/deep_purple_ 10040.shtml ">Deep Purple Nobody`s Perfect CD1</a>[url=http://greatmp3download.org/ aqua_15068.shtml]AQUA Barbie Girl[/url] | <a href=" http://greatmp3download.org/aqua_15068.s html ">AQUA Barbie Girl</a>[url=http://greatmp3download.org /limp_bizkit_24327.shtml]Limp Bizkit Behind Blue Eyes[/url] | <a href=" http://greatmp3download.org/limp_bizkit_ 24327.shtml ">Limp Bizkit Behind Blue Eyes</a>[url=http://greatmp3download.org /rolling_stones_30330.shtml]Rolling Stones A Bigger Bang[/url] | <a href=" http://greatmp3download.org/rolling_ston es_30330.shtml ">Rolling Stones A Bigger Bang</a>[url=http://greatmp3download.org /eminem_25517.shtml]Eminem Encore[/url] | <a href=" http://greatmp3download.org/eminem_25517 .shtml ">Eminem Encore</a>[url=http://greatmp3download.o rg/nightwish_26470.shtml]Nightwish En Vivo En Obras (Live in Buenos Aires)[/url] | <a href=" http://greatmp3download.org/nightwish_26 470.shtml ">Nightwish En Vivo En Obras (Live in Buenos Aires)</a>
Date: Mon 02/12/07 8:09PM
From: Tom

Message: Good ole Dougy boy phucks up another long term CHL relationship, Novare. You suck, dude! I wonder what kinda BS excuse he gave everyone this go around. Whadda loser!
Date: Sun 02/11/07 6:15PM
From: Joe

Message: Countrywide is the next Enron, they even match their 401K with CW stock only, no other matching option. If you are an employee every time a matching contribution is made trade it for the fund you are invested in with your dollars. Don't make the same mistake Enron employees did and loose because Countrywide is on the fast track that Enron took. The game is almost over for them, trust me, that's why I left. If you are an employee help YOURSELF by ditching the CW stock portion of your 401K because it will be worthless when they go bankrupt. The smoke is already visible, Bank of America looked at them as an acquisition and said HELL NO once they took a good look at the failing business model.
Date: Sat 02/10/07 11:44PM
From: Asya

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Date: Mon 02/5/07 11:00AM
From: Alesha

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Date: Mon 02/5/07 10:15AM
From: Brad

Message: The Mother of All Bubbles

The Atlantic Free Press has an excellent (and long) read on the macro-picture of the current bubble:

"The hoopla over the “rise in new homes sales” ignores the “real”story which appears in many of the same articles; that is, “In 2006 existing home sales declined by 8.4%, the biggest drop in 17 years, and new homes sales fell by a whopping 17.3%, the largest in 16 years”. This is the real scoop although it is predictably hidden in the fine print. It signals the beginning of a long, downward spiral which will increase unemployment, shrink GDP, and send millions of homeowners into foreclosure and out onto the streets.

...

Some of Wall Street’s heavy-hitters know that trouble is brewing and are finally putting out the red flags. 2 weeks ago Goldman Sachs indicated that “the US Federal Reserve will need to slash rates 3 times this year as the housing slump goes from bad to worse and the American consumer begins to buckle”. (Ambrose Evans-Pritchard “US Housing Bust getting worse”)

“We believe that housing will soon become the ‘straw that breaks the camels back’, said David Kostin, the investment bank’s strategist. Goldman Sachs said homeowners had treated windfall gains from rising house prices as if they were ‘recurring income’ using home equity withdrawals to subsidize over-stretched lifestyles. This artificial boost to spending has already dropped from 7% to 4% of GDP over the last year, and is likely to halve again in 2007. Mortgage equity withdrawal will fall from 13% of ‘discretionary household cash flow’ in 2006 to 7% this year, causing spending power to contract for the first time since the dotcom bust”.
Date: Fri 02/2/07 5:59PM
From: Joe Brown

Message: Message: This company is full of crooked and incompetent people. They adjust the amount owed and I had to contact them several times to get them resolved. Every person I spoke with including the supervisors told me different stories. They charge insurance even though I sent them to the fax number they listed three times. They make your life miserable. Too much run around. Please NEVER and EVER finance through COUNTRYWIDE. They are deceiving and it is a shame that they are still in business. You better be careful if you financed with them. They may also add unknown debits (charges) in to your account and make you run around like crazy. Their customer service is SUB PAR; they are full of incompetent and disgraceful and liars. They do not know what they are talking about. STAY AWAY FROM COUNTRYWIDE!
Date: Thu 01/25/07 2:51PM
From: MS

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Date: Thu 01/25/07 11:06AM
From: Alina

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Date: Thu 01/25/07 10:52AM
From: AJ

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Date: Thu 01/25/07 10:34AM
From: aj

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Date: Wed 01/24/07 7:59PM
From: AJ

Message: Now the two bottom feeder, loser LO's BB and BB want to come back to CHL to get a little income while things are slow. I bet the Captain Ding a Ling hires them back and gives guarenteed money, and think he has really accomplished something. God! dumb shit bringing back the SUPER low producers from ST....you are sooooooo awesome little boy!!!!!!!!!!
Date: Wed 01/24/07 7:37PM
From: AJ

Message: Hey B..............where are you now. 2 COE winners in the ENTIRE region, they won't pay for business card, marketing material, luncheons. Wow! Such accomplishments in 2.5 years. This region would have been WAY better of with NO RVP and AVP then having these two clowns screw everything just like their flop w/ Fidelity, and bad rep at Banc. Just leave the business ....you two give a horrible name to our industry.
Date: Tue 01/23/07 5:24PM
From: Joe

Message: This company is full of crooked and incompetent people. They adjust the amount owed and I had to contact them several times to get them resolved. Every person I spoke with including the supervisors told me different stories. They charge insurance even though I sent them to the fax number they listed three times. They make your life miserable. Too much run around. Please NEVER and EVER finance through COUNTRYWIDE. They are deceiving and it is a shame that they are still in business. You better be careful if you financed with them. They may also add unknown debits (charges) in to your account and make you run around like crazy. Their customer service is SUB PAR; they are full of incompetent and disgraceful and liars. They do not know what they are talking about. STAY AWAY FROM COUNTRYWIDE!
Date: Sat 01/20/07 5:04PM
From: Soon to be former ROC

Message: I am currently employed at CW. I cannot say which division since it is a small one, and who knows who read this, right? I’m worked like a dog, stressed to the breaking point, but currently need the meager pay.

I can say that our small division is losing people left and right because of LOW PAY, huge workloads, and no appreciation……unless you consider a $50 gift card in lieu of a real bonus appreciation. Another young woman is quitting this coming Monday because of the low pay here. No wonder the turnover rate is so high at this place.

Promises are made, and rarely if ever kept. Morale is low across the board, even with the motivational posters and ‘personal’ messages from Angelo.

I will be shopping my resume in the coming weeks. I have no doubt CW will decline to counter-offer, as is their policy, if my manager even responds to my emails requesting a meeting. I am a valuable employee not easily replaced. It seems the only way to get the attention of this company is to quit.

I can’t wait to leave this sweatshop.

Date: Sat 01/20/07 4:41PM
From: Bill Stanfill

Message: This company is full of crooked and incompetent people. They adjust the amount owed and I had to contact them several times to get them resolved. Every person I spoke with including the supervisors told me different stories. They charge insurance even though I sent them to the fax number they listed three times. They make your life miserable. Too much run around. Please NEVER and EVER finance through COUNTRYWIDE. They are deceiving and it is a shame that they are still in business. You better be careful if you financed with them. They may also add unknown debits (charges) in to your account and make you run around like crazy. Their customer service is SUB PAR; they are full of incompetent and disgraceful and liars. They do not know what they are talking about. STAY AWAY FROM COUNTRYWIDE!
Date: Sat 01/20/07 4:38PM
From: Melissa Hipe

Message: Countrywide has been dishonest and underhanded with my jumbo loan. It's refinance representatives lied, made promises, and then failed to honor those commitments once it knew I didn't refinance with another company. Its management does not hold its employees to a respectable standard--it's all money. Don't finance with Countrywide--they will promise and it won't be there.
Date: Sat 01/20/07 4:32PM
From: William Collins

Message: Countrywide Mortgage completely sucks! They botched my closing by not completing the paperwork for a VA loan since they make less on VA loans then other loan types. They under estimated my closing payment by over $7,000 dollars; I almost did not close and had to borrow the money from my realitor. I must admit I got a great rate, but the ha**le was not worth.

DO NOT USE COUNTRYWIDE.....NEVER
Date: Sat 01/20/07 4:26PM
From: Tom

Message: How many producing LO's has D & J hired? Count them on one hand? This tells you everything you need to know.
Date: Sat 01/20/07 2:24PM
From: Colleen Gowell

Message: Message: It is true Charlie Rodgers use to work for JP Mortgage & Chase which is a subdivion of Chase Mortgage Company in the Miami, Fl branch office. I was there right before he left Chase to go to Countrywide back in or around about July-Aug/2003. He was known at Chase to cut corners by getting ride of the little people first and lovedddd to do Layoffs (Just as much as he loved blondes!)You know...Anything to stop his pockets aka bonuses from being touched!!! When his leadership fails (because he is too busy playing golf and sporting one of his many porshe's)his favorite solution is okay lets do another layoff which he did frequently at Chase and now I hear at CW. He is not at all about the little people in the company and lovees Money and looks out for his friends only and put them in big name positions whether or not they are qualified!! I really feel sorry for Angelo Mozillo since he is now old and obviously taken advantage of! I am sure they are waiting for him to die soo they can salvage the company to Ashes. (Money hungry bastards)I will not be surprise if after they detroy CW a couple of years from now that they will have to sell it or merge with another company! Mark my words!! They usually come true!! Mr. Mozillo's once "Company of Choice" has went to the dogs with the leaders being a bunch of money hungry pack of wolves!!!
Date: Sat 01/20/07 1:37PM
From: Doug

Message: Duh-Dee-Duh. How do my cuff links look? I 'am such a cool, dynamic RVP that everyone loves.....

Ever notice how no one really listens to you too much? Gee, I wonder why you get no respect.
Date: Wed 01/17/07 6:16PM
From: PC

Message: I hear that Pat F. met with Jolly Rodgers. This could get REALLY interesting. Stay tuned.
Date: Wed 01/17/07 3:50PM
From: Darrell

Message: Not only did I go through Countrywide but two of my friends were the ones processing my loan... they told me that my payment would be around 1700 to 1800 a mo. which I was willing to pay because it was a refinance, my payment ended up being 2100 a mo. i got a 3 yr. fixed and a 27yr. adj. but now theyre telling me that i have a 1 yr. fixed and 29 adj. so I went to see my options on another refinance with another bank and come to find out I also have a 3yr. "hard pre-pay penalty" of around 10,000 dollars, which means I cant refinance or sell for three years without paying 10,000 dollars to get out of this binding, money hungry, misleading, bloodsucking, greedy, no integrity, zero nobility, lying cess pool of sc**bags loan.
Thank You Countrywide for making my life miserable. yours truly darrell vandever
Date: Mon 01/15/07 6:49PM
From: Samuel Grant

Message: I live in GA. My mother's loan was refinanced by Countrywide Home Loans without her permission. on 1-25-05. We sued them in Dekalb County Superior Court for $75,000,000 case # 06cv5386. We had to sue them to get her doc**ents.We finally got the doc**ents 1-12-07. They made up two Deeds on her home and both were forgeries. My mother is a 65 yr old African American. I caught them in a complex flipping scheme and now I am going to stick it to them. We filed a police report on the closing Attorney #07006697
Watch out for your elderly parents they will flip them and take advantage of their tender age
Date: Mon 01/15/07 4:55AM
From: Larry C.

Message: We refinanced with Countrywide last year after being in our home almost 10 years. Later we get foreclosure papers from our initial lender; Countrywide NEVER FUNDED to the previous lender! No one will return our calls; we never received any communication as to why this was not funded. I am now over $25,000 out of pocket and am having to sue Countrywide.

Strongly recommend not using this company; Countrywide has serious internal problems
Date: Mon 01/15/07 4:50AM
From: Marcus

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Date: Fri 01/12/07 8:02PM
From: AJ

Message: How many Casbons does it take to screw in a light bulb?
Date: Wed 01/10/07 10:03PM
From: JJ

Message: UHHHH, duhhhhh......my name is Doug Casbon, and I'am a RVP. How do my cuff links look? Huh, pretty cool? God I feel like a cool dude. I think all the young people really look up to me 'cause they think I' am cool.
Date: Fri 01/5/07 7:26PM
From: AJ

Message: Doug Casbon is a weasel.
Date: Tue 12/26/06 8:50PM
From: qhmdxvg mwpox

Message: pbyimzosn mbtyeda xwibq qrltfyaui fhpnlc cmfqibpyx zdhgbxk
Date: Fri 12/8/06 4:00PM
From: Kathleen Piper

Message: Countrywide is a PREDATORY LENDER. They solicit their own elderly and disabled borrowers on fixed incomes who currently have a nice low interest, fixed rate mortgage, and bait them with the sales line that they can reduce their monthly payment by maybe $50 to $100 a month with a fixed period ARM or Pay Option ARM. To these elderly borrowers, some who have diminished mental capabilities, who are payment and budget sensitive, this extra money for their budget seems good on the surface. Nevermind that the closing costs rolled into the new loan will take years to recapture if ever. Nevermind that the loan goes fully adjustable in as little as one month or a period of months. Nevermind that the new ARM probably has a prepayment penalty clause. Talk about pulling the rug out from under these payment sensitive borrowers.

It would make more sense to get a small, no closing cost, home equity loan and draw out that extra $50 or $100 a month of their equity to make up the budget difference. There's more profit for Countrywide by doing the full refinance. All those affiliate companies from Landsafe credit, appraisal, title, and escrow pump a lot of money into the company, not to mention the 3 point pricing profit that’s hidden on the backside through their higher rates, compared to what is readily available on the open market.

What do you call a company who refinances their own customer and they already have just recently refinanced them in the last 24 months or less. MORTGAGE CHURNING
Date: Thu 12/7/06 3:15PM
From: Current

Message: I am currently employed by Countrywide and have recently experienced vile sexual hara**ment and financial abuse. I recently filed an HR complaint that resulted in my boss’ termination. Thereafter, I was transferred for my ”protection,” given a position that I am lost in and did not want, and have been experiencing what I perceive to be (need to have my lingo legally appropriate) relatiatory actions on behalf of the management and executives.

I need to check with my lawyer to see if I can name the region in this forum.

I hate the company. I have been treated like a nothing and a plague. Everything the company does is with pretense and calculation. The game is being played by evil, narcissistic greed mongers. They place no value on human rights or suffering.

It seems to be common belief that the region is corrupt and just a good ole boys’ club. I have heard that promotions and rewards are commonly believed to be based on long-term friendships, blackmail/bribes and (extramarital) sexual affairs. There seems to be quite a bit of evidence to support it; it just needs to be put together.

I was on a ”privileged” team that virtually made its own rules and put a perverted, abusive non-supervisor in a supervisory role with me, after
(allegedly) having had notice of his past abusive behaviors. He acted as if he were above the rules, because the region had reportedly covered some of his past incidents from HR and even rehired him after he was fired by the parent company: Northwest Mortgage.

I have recently hired a lawyer to deal with executive management. I cannot say here, what it is that I seek; but we are wondering if there are any similar stories in the region that anyone can share. I specifically want to know about HLCs in supervisory roles, retaliation following HR complaints, the encouragement or discouragement of HR reporting, and any incidents that were minimized by higher-ups. My lawyer works on a contingency fee. I would never share names unless I had the express permission of the source. Even if someone can give me an idea of where else to look, it would be greatly appreciated. We’ll do our own investigations. I want justice for others like me, and the company to face the consequences of their actions. I’m sticking around until it’s done.

Date: Tue 12/5/06 8:05AM
From: Rick

Message: I work with several AE’s here at Chase that worked for BH at Wells. Wells couldn’t wait to get him out the door. Countrywide relishes in hiring people who have been fired. The CW belief is that there’s an evil in their belly and they can bring that fire with them to CW, just like BH has successfully done. True, CW has originated a ton of loans, however its just a matter a time until collections, foreclosures, and REO’s go HUGE. I believe it will start going south by the end of the 1st quarter of 2007.

Fasten your seatbelts CW, delinquency will go through the roof!

Date: Mon 12/4/06 5:24PM
From: PC

Message: I have been in the market to refinance my mortgage and have finally found a lender I think I can trust. In the course of my search I came in contact with Countrywide. After reading this website I became very cautious. The sales rep in trying to close me on a deal that seemed really great, tried to push me to pay for a $350.00 appraisal. Fortunately, I resisted and said no. Upon looking at what they were offering it turned out that it was not a great deal, and actually much more than the other offers I was considering. The person that I was in contact with at Countrywide, just plain lied. He misrepresented the cost of the mortgage.
Date: Mon 12/4/06 4:22PM
From: Rachael

Message: I am so upset about this company I just moved and after I got my phone hooked up I have received hundreds of calls from this company they always ask for Akbar and I have told them hundreds of times they have the wrong number and I don't even own my home I finally put my # on the do not call list but they still call several times a night and now I am getting 15 to 20 prank calls from one of there employees he is extremely vulgar I went as far to put annonymous call rejection on my line but for some reason there unknown caller is able to get through I have to go down to the police station to file a report like I have all the time in the world to deal with this but I can't let this jerk get away with this
Date: Sun 12/3/06 3:04PM
From: Rick

Message: I made the move to JPM Chase in September, 2006. I work 15 hours less a week, make the same money, and the U/W group is fantastic. Fund when they say they will fund and lock rates when they say they will lock the rate. There’s no hidden agendas, just great customer service and team atmosphere. 2 fellow AE’s moved over in October and couldn’t be happier.

I agree the West is too top heavy, however the top idiot resides in Plano. Mr. Mozilo and Mr. Sambol look the other way. It was all good when Joe Anderson was at the helm. I sure Joe’s better off anyway.

I spent 6.7 years at CW. Was fine the first 3 years, the last 3.7 was one huge nightmare. Oh did I mention one huge headache as well?
Date: Sun 12/3/06 12:39PM
From: Carrie

Message: If what you all say is true (and I’m not doubting any of it), then you need to go to the newspapers & television news shows. I know first hand, that’s the LAST thing CW wants to have - bad publicity. SO much garbage has been swept under the rug and out of the public’s view for that last few years. If what has happened to you happened to me, I be screaming it from the top of my lungs for all to hear
Date: Sun 12/3/06 12:02PM
From: A.

Message: Doug, John, and Joanne need to be thrown out to the sidewalk. What a bunch of clowns!
Date: Thu 11/30/06 7:22PM
From: S.

Message: As an underwriter at countrywide, I was asked to sign off on doc**ents that did not meet compliance. All the department wanted to do was to get as many loans closed and funded as possible. When I refused to sign off on the loans, I was considered not a team player. I was marked, picked on, hara**ed, falsely wrote up. They watched me like a hawk. All of a sudden my time became an issue. They wanted me in the office no later than 8:30am on time but never mind if I had to stay 7pm or 8pm at night and would even complain about me taking a lunch when the files were piled high and waiting to be reviewed. It was constant hara**ment. I was even pulled in the office by three of my managers and was given a piece of paper which I have stating that I can not turn down any files and all my work had to be reviewed by my boss and they basically tried to intimidate me. When I would take a file to them and tell them why I did not sign off on the file, they would say that the file was okay and I could sign off on the file and then they would tell me "NO" you sign off on the file and would try to force my hand. I got so fed up with what they were doing to me. They started to tamper with my paycheck. Sometimes, I would get a paycheck and sometime I would not. Sometime my paycheck was short. It got very frustrating to me. I rescind and have gotten approval through the EEOC to sue. Countrywide has some serious issues that need to be resolve very quickly. They way that they treat their people who have tenure is down right wrong. Management should be held accountable for their actions and changes need to be made starting at the top!
Date: Thu 11/30/06 7:13PM
From: U-2

Message: The latest macro data this week confirm the sharp US economic slowdown that I have been predicting and they point to a 0% GDP growth in Q4:

- New homes sales fell sharply and the excess supply of new homes is increasing; existing homes sales stabilized for the first time in 8 months (but such homes sales do not include the ma**ive increase in cancellations). At the same time housing starts and building permits literally collapsed last month.

- Non residential construction is now stalling too

- Mortgage applications fell sharply again for the last week

- Durable goods orders literally collapsed suggesting that corporate investment is sharply falling in Q4

- The Chicago manufacturing index, a leading indicator of the economy, is sharply down and below the critical 50 level.

- Consumer confidence has sharply fallen in spite of lower gasoline prices.

- Wal-Mart and most retailers announced mediocre November and Thanksgiving sales

- Initial claims for unemployment benefits are sharply up, a major leading indicator of the job market

- Consumer spending is now growing much less than incomes as households are retrenching

- The revision to the Q3 growth figures was not all good news: half of it was due to an increase in inventories of unsold goods (that will thus sharply weaken Q4 growth as inventory adjustment via production cuts is occurring)

- The US dollar is falling as the economic slowdown, the expectation of a Fed rate cut and an unsustainable US current account deficit as now taking a toll on the dollar.

- The US yield curve is more inverted than ever and even the Fed model of the yield curve is now pricing a 52% probability of a recession in 2007

- Even the US stock market sucker rally is now being shaken this week and today by the onslaught of bad economic news

So, while some of the revisions for Q3 were on the upside, all the main macro news about Q4 and about October and November are real bad. So, I find validation in all these data to my forecast that Q4 growth will be 0%.

So wouldn't you think now would be the time to have sales rally, marketing campaigns etc. You can actually make more money in slow then busy if you know what you are doing. Of course Ding and Dong have ZERO experiance/knowledge to teach LO's. Brain Frozen fools.
Date: Thu 11/30/06 4:25PM
From: .

Message: Good job on the JV with Genesis in Savannah. You two in ATL are M O R O N S!!!
It is almost comical the many huge deals that were HAND DELIVERED to you and you lose the deal, the 200+ lives you have disrupted since you came to CHL 2.5 years ago. Exactly what benefit are you to Region 18. You have accomplished ZERO!NADA! NOTHING! Unless, I guess you count getting rid of all the people you deemed were too smart for you to handle. What a couple of big time losers. Always were (Banc), and always will be.
Date: Thu 11/30/06 3:06PM
From: .

Message: Things are rough at ROC, crying, people quitting etc, same crap and they all keep hoping d casbon and j steele will go so that life at CW could change, but most people just leave. They are tired of waiting. Very short shelf life at ROC, the other one is ja hill who needs to go and who never ever was qualified for what she is doing. another zach parrott mess, of course that ones run like the roach that he is.
Date: Wed 11/29/06 8:15AM
From: ?

Message: I have worked at CHL now for 6 years. There’s way too much drama here and what a joke it is. 60% of the employees here just screw around. It’s a miracle anything gets done. Long lunches, 25 minute breaks, and smoking cigarettes, all on company time. It’s a carnival atmosphere here in the "ROC". Today starts the mad rush for all loan servicing employees to do their Christmas shopping on-line. Corporate should take away the Internet from all employees and just give to those who use it for “actual” business purposes.

I’ve said it before “do I care?” yes, however VP’s, 1st VP’s, SVP’s here just look the other way.

Mr. Sambol and Mr. Schakett both need to step in and fix this mess and layoff these knuckle heads.

Date: Sun 11/26/06 12:45PM
From: Rick

Message: Yes CFC is continuing reductions in CA. The buildings you mention are leased. Leases are likely up with no reason to extend, while Warner Center (much nicer location) has some time left on it. CFC waiting for a couple of more buildings in AZ to be completed and business units will be relocated there. India operation in full swing too.

In Agoura the buildings are staffed with many departments ranging from finance, HR, Facilities, payroll, security, IT, US/India operations, and the bank.

It’s an ancillary “big closet” for corporate on Park Granada since they need to expand larger offices for all the MD’s and SMD’s there to include private bathrooms for each office.

Talk about top heavy…..

Date: Sat 11/25/06 8:18AM
From: DK

Message: Here’s what I would suggest as far as checking my facts goes: call around to your contacts in HR and find someone who was on the HR Town Hall conference call held on Tuesday morning, and ask them what the response was to the question, “are the layoffs over.”

I’m no longer going to post here until I have a new job secured. I’ve certainly put my job and my family’s livelihood in jeopardy by visiting this place, and I don’t wish to be fired; my family depends on my income and this is not a place you want to be public about if you’re working at CFC. You go right ahead and check whatever you like. I expect to be out the door within a few more months at the outside, and I’ll post again after that.

I’m not an exec, but I’m senior enough and hooked in enough to have access to a reasonable amount of information. I believe that I have been very clear in my posts here about what is conjecture on my part and what is a “fact” or a comment for attribution. You believe whatever you want about the place; I believe it’s a takeover target (no, Angelo doesn’t own the company and doesn’t get to decide if it’s for sale or not folks, learn what “publicly traded company” means before you snap back that big Mo won’t put his baby up for sale) and I also believe that if the current executives cared two rips about it, they could turn it around. I believe that there will be significant efforts made to streamline operations and I know that some of these moves are being talked about on the third floor, although I do not know the details or to what degree there are specific plans yet. I know that there will be some additional layoffs in the near future and I BELIEVE that there will be significant layoffs some time in the next year to 18 months.

See you when I’ve landed someplace else.

Date: Wed 11/22/06 5:16PM
From: Dennis Bell

Message: FIRST, let me say this site is the very best way to deal with the fraud and questionable business practices being committed by Countrywide Home Loans against its una**uming customers. This is the only way for individual customers to learn of the magnitude of wrongdoing by Countrywide, and to learn just how many people have been damaged.
SECOND, it is imperative that everyone who has been damaged by Countrywide’s fraud and/or dishonest business practices, should file a complaint with the Federal Trade Commission, 600 Pennsylvania Ave. N/W, Washington, DC 20580. You can fill out a complaint form online at
www.ftc.gov/ftc/businessinfo/customer.ht m. The FTC does not resolve individual complaints, however they will investigate a company for repeated complaints related to improper business practices or fraud. If everyone who posted a complaint on this site would file a complaint with the FTC, I’m sure that would trigger a formal investigation against Countrywide Home Loans.
NOW...MY STORY: I refinanced three of my rental properties through Countrywide Home Loans in 2004. After about a year I noticed Countrywide began billing me for more than my payment amounts. In one case, Countrywide had purchased two insurance policies for a single house which depleted my escrow account on that loan. Because of their mistake they raised my monthly payment by $200. On another loan, Countrywide fraudulently raised my property tax bill from $151 to $1843.94 , then raised my payment from $179.29 to $477.77. When I made my monthly payments, I would mail three checks in one envelope to make all three loan payments were received at the same time. Even though I did this, Countrywide would credit one loan with a timely payment, then show the other two loans were paid late and charge a late fee. I tried for many months to get these problems resolved, but the harder I tried the more difficult Countrywide made it. In August 2005 I learned that Countrywide had reported that I had made late payments on two of my loans which ruined my credit. Although I continued to make payments, Countrywide filed suit to foreclose on one of my properties. I filed a counter suit and got a judgment against Countrywide for $556,000. Countrywide then filed suit to foreclose on my other two properties, so I have now turned the matter over to a wonderful attorney who specializes in lender liability cases. Countrywide Home Loans certainly has questionable business practices, but because they have become so large it is difficult to get sufficient information to drag them into court. I welcome all information and comments from past or present Countrywide customers who have been damaged by their business practice. My email address is oneoutback@comcast.net. I will update this message as the court proceedings move along. Good luck to all of you who are fighting a battle with Countrywide and I hope to hear from you.
Date: Wed 11/22/06 10:32AM
From: T in Plano

Message: I’ve been here 11 years in Servicing and hear all the horror stories from the production folks on our floor every day. It’s a sweat shop and their team managers demand long hours and weekends from each loan executive. These guys and gals work hard enough 10+ hours a day. No one can do 70+ weeks, they will burn out. They did indeed lift the hiring freeze due to a ma** exit and they realized they could not maintain employee retention. I look at the cubicles around me on the 3rd floor and there empty. It’s the same on the 4th floor and other buildings as well. I’m in Plano and see it all first hand.

This atmosphere was not evident when Joe Anderson was at the helm. You live in a bubble and have no clue what your talking about. Unless your really Brian H. pretending to be “in the know”. Or your likely one of the ruthless, toothless managers everyone loves to hate.
Date: Tue 11/21/06 5:28PM
From: Sarah J.

Message: I am a former employee of Countrywide. As a loan specialist working in an operations center, I have to make a statement here.

I was only there for 4 months and that was all I could stand. I had worked as a loan processor or specialist for many years and after my experience with Countrywide I am forever jaded.

After a couple months there I shockingly came to realize that they don't care about the customers but about the volume of loan files. I worked in a center with apx 40 other loan specialst and every one of us had a constant growing snowball on our desks... I hated walking into work every day because I knew I was facing the many calls and message from borrower who wondered when thier loan would close. I was never able to keep up with the flow of incoming new files and finally got frustrated and quit with over 60 loan files that were barely started.

Every employee there had tons of experience in the field and they all share my feelings. Know that most of the employees there honestsly desire to provide quality service, but I cannot blame them when they are so overworked they cannot even THINK past thier own pain, to feel for thier clients.

Signed a former employee of countrywide
Date: Mon 11/20/06 1:30PM
From: Melissa Hipe

Message: Thank you for contacting the Federal Citizen Information
Center.

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

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

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

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

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

We hope you find this information helpful.

We are unable to accept replies sent to our mailbox. If you
have any additional questions, please call our National
Contact Center at 800)-FED-INFO (800-333-4636), Monday
through Friday from 8 a.m to 8 p.m eastern time, or visit
us on the web at http://answers.firstgov.gov/
Date: Sun 11/19/06 12:55PM
From: Mary M.

Message: JS said that "if DS in Savannah thinks throwing other offers in his face will work, that Dave can leave, he is too big of a problem." JS needs to go because he is a TRASH ACT.

Why would an ASM be talking trash about other LO's to subordinates?

One more for HR.


Oh yeah, they are doling out $$$$$$$ to LO's they wish to keep, again. Go ask for your free X-MAS bonus money. GREAT management, boys! These two fools ARE so funny!

Date: Sat 11/18/06 2:58PM
From: Samantha

Message: I knew of Joe Anderson and he was the best senior manager in loan production. He’s an honest, reputable administrator who didn’t fit into the new business model of “creative financing”. So the company brought in Brian Hale to produce, and produce he has. He reported to Joe and Joe got fed up with Brian’s style. Joe being the type of honest guy he is had to decide whether or not to continue with the charade or resign. Joe opted to leave and now Brian is SMD of the CMD group. Some may recall that “creative financing” was a major contributing factor to the 1980’s real estate recession.

As for Landsafe, CFC should unload the company to a First American and/or Fidelity Title and then cut a lucrative business partnership with one of them for appraisals, title, pre-lims, credit, tax, and flood certification services. CFC will save a bunch of $$$$ in the 1st 6 months alone.

Date: Sat 11/18/06 1:56PM
From: To the Moon

Message: JS out prancing around telling subordinates that he banks 400k, and CHL loves him. OK?

Telling subordinates what one makes in income IS against company policy. Strike another one for HR.
Date: Wed 11/15/06 12:33PM
From: Mark Copel

Message: Avoid Countrywide Home Loans! I wish I had been given that advice.

I bought a home in GA in June. Took out a first and second mortgage loan with Countrywide with automatic withdrawal from my checking account. First loan fine. Second loan . . . PURE HELL!

I've filled out their forms for automatic withdrawal at least five times, not including when the loan was originally set up. Still I get a letter each month saying that my payment is past due! Phone calls get you empty promises including a "I swear to you that you are set up now for automatic withdrawal and this will not happen again!" -- Christine at Countrywide. Yeah right, honey. Its happened two times since then. And since I'm taking the time to write this to warn you, I obviously have zero confidence that they have it right this time.

With all the lending options and the small difference between rates it is amazing that these clowns stay in business. Obviously they are kicking back to the real estate agents who recommend them. Maybe that's the answer. If you join the long list of those screwed by Countrywide, complain to your real estate agent. They rely on referrals and a disgruntled former customer can cause them far more harm than the money they get for recommending Countrywide will offset.
Date: Wed 11/15/06 12:20PM
From: Toby Carter

Message: I just went through a disgusting experience in trying to do a refinance with this company. Their tv ads mentioned a combo loan to consolidate debt and pay off bills. I called to inquire if this was something I could do since I had a 2 mortgages and some credit card debt I wanted to combine. I had run into some trouble when my wife was unemployed for 2 1/2 months. The first time they told me they had problems with the debt to income ratios. Ok, they said they had a solution. Do a stated income/stated a**ets. I said fine...oh then lo and behold guess what...the appraisal came in low. Great job guys...I put the appraisal on the credit card that they said they would pay off with this refi. So they decided to do a pay option arm to lower my monthly payments for me. I said ok...it was the only option left to me. I needed to do something to lower my payments and pay off some of these bills. Well, by this time Countrywide has spent nearly a month and they still can't get my loan approved. I called them and told them I was disgusted with the service and the rep apologized and promised they would get my loan approved. They said they were really busy and they would get my loan done. He gave me the website to check my loan status. A couple days pa** and I check the website and it says the loan was approved and it was time to set the closing date. I called and wanted to verify this and he a**ured me the loan was in the hands of their closing dept. He told me to sit tight over the weekend and it would be smooth sailing. Well I call back Monday and guess what I hear...loan denied. LOAN DENIED. I screwed with this company for over a month and endured misleading promises and false hope. They botched the loan...the underwriter killed it because she saw income doc**ents and my loan was a SISA and somehow that killed it. I asked for my appraisal money back...too bad it's non refundable and I can't even transfer it and use it again. This company sucks and has their heads up their rears something awful. If you can't help somebody just say so...don't mislead them and string them along. Is it too much to ask for honesty and accountability
Date: Wed 11/15/06 12:11PM
From: Mr. and Mrs. R Parson

Message: CountryWide is the most unprofessional company we've ever dealt with. We received many letters stating we have over $100,000 in equity and how simple it would be to get a loan based on this. So since we wanted to finish our basement, we started the process, back at the end of August. We were aware that it was not the perfect scenario with our credit scores and everything, so we did everything that was asked of us, cleaning up a few collection accounts on our credit report. We were told SEVERAL times, that is was a go, and would be processed ASAP. After almost 6 weeks, still nothing from CountryWide. We already had an anniversary trip planned and paid for to Mexico, so we went in the middle of October after being told by our loan officer, that everything could be finalized while we were there as long as we had internet access and access to a fax machine (which we did). Well our relaxing stress-free vacation, was not that. After several emails, phone calls trying to finalize this (to give us some spending money - since we pretty paid everything off that they asked us to prior to leaving the country)still nothing. The day before we left, we were told that we could go to the consulate and sign everything, we decided to wait until we returned to the US. There was lots of bickering back and forth about how much cash in hand we would get and what they would pay off. Well we returned, and heard aboslutely nothing back from CountryWide after several voicemails requesting they call us back so we can get this finalized. We finally got a return call from our loan officer stating it was out of his hands and on his supervisor's desk. But it was all approved. As of yesterday, after several MORE voicemails and no callbacks we looked elsewhere. As of today, we have more than 5 different offers for lower interest, more cash in hand, as well as credit cards getting paid off!!! After a nasty email to CountryWide we got a call back (go figure!) What they were willing to do was terrible - high interest- 11.5%, paying off only 1 account - $24,000.00 and no cash in hand. The offer we decided to go with (through a different company, much smaller than CountryWide)came in at 6.2%, paying off the same account $24,000.00 PLUS $19,000.00 cash. And everything can be finalized in 10 days! So basically we told CountryWide to pack sand!!

I have worked in and with many customer service companies over the last 20 years and NEVER have I ever seen such poor service. They are terrible! They string you along, lie to you, and don't return your phone calls all the while your credit is getting ruined!!! We were told that our bills would be cleared up, which after almost 3 months of dealing with this unprofessional company still has not been done! DO NOT DO BUSINESS WITH COUNTRYWIDE! We will also be filing a complaint with the Better Business Bureau. CountryWide should NOT be in business.

Go elsewhere if you know what's good for you!

SINCERELY,
2 VERY unsatisfied customers!!
Date: Wed 11/15/06 11:24AM
From: Ms. Helpful

Message: This came from the Florida tab

Date: Mon 11/13/06 3:50PM
From: Colon Gowell

Message: It is true Charlie Rodgers use to work for JP Mortgage & Chase which is a subdivion of Chase Mortgage Company in the Miami, Fl branch office. I was there right before he left Chase to go to Countrywide back in or around about July-Aug/2003. He was known at Chase to cut corners by getting ride of the little people first and lovedddd to do Layoffs (Just as much as he loved blondes!)You know...Anything to stop his pockets aka bonuses from being touched!!! When his leadership fails (because he is too busy playing golf and sporting one of his many porshe's)his favorite solution is okay lets do another layoff which he did frequently at Chase and now I hear at CW. He is not at all about the little people in the company and lovees Money and looks out for his friends only and put them in big name positions whether or not they are qualified!! I really feel sorry for Angelo Mozillo since he is now old and obviously taken advantage of! I am sure they are waiting for him to die soo they can salvage the company to Ashes. (Money hungry bastards)I will not be surprise if after they detroy CW a couple of years from now that they will have to sell it or merge with another company! Mark my words!! They usually come true!! Mr. Mozillo's once "Company of Choice" has went to the dogs with the leaders being a bunch of money hungry pack of wolves!!! This company is now = yolk with Enron and has a cut throat sigma surrounding it! I truly believe CW will never be the Company of choice it use to be! God is right!! Money is the root to all evil! God Speed CW!! God Speed!!!! Word of advice C. R....Get right with GOD if you even know who that is Lucifer.. Armageddon is right around the corner and the likes of your kind will be the first to go!! Just like in Noah's days! You may think your high but not higher than GOD for he sees and knows everything!!!
Date: Wed 11/15/06 9:58AM
From: Ms. Helpful

Message: Bill Healy never saw it coming. The head of a successful division of a major financial institution, he'd just been interviewed for his company's newsletter when he got the call. He was to be one of the 103 employees let go as part of a corporate restructuring.

Healy felt blind-sided and betrayed. "I had over 15 years of service and even sat on a restructuring task force," he relates. "I had no idea I was vulnerable."

When layoffs are ahead, you need to watch your behind. Here are six ways to prepare and protect yourself:

1. Get Organized.
Print and take home personal files on your computer and locate copies of your performance appraisals and other personnel records. Review your status reports and project files to help you update your resume so that it reflects all of your recent accomplishments and newly acquired skills. Think about what you might want to do next and whom you might want to use as a reference.

2. Get What's Coming to You.
Take advantage of any perks and benefits to which you are entitled. Schedule your checkups and tend to any dental or medical issues while you're still insured -- especially if you've already met your deductibles.

If you've got a flexible spending account, turn in all outstanding claims to avoid forfeiting any balances. In addition, know exactly how much vacation and floating holiday time you've used and make sure you've taken credit for your holidays. (Most companies will not honor unused holidays, but will pay you for any remaining vacation.)

3. Get Connected.
Spend at least one to two hours a day networking. Call your friends, former co-workers and clients. Attend your professional a**ociation meetings. Talk to headhunters and corporate recruiters. This is a good time to help others who may be helpful to you in the future.

4. Get Searching.
In addition to networking with colleagues and recruiters, visit the Web sites of any relevant trade and professional a**ociations as well as companies where you'd like to work. Check print and online job postings to see what the requirements of your desired next job are and note any gaps in your experience or skill base.

5. Get an Exit Strategy.
The HR folks will be working from a script when they give you the news. Make sure you know what you should say, too. If no information about severance pay has been communicated, check the company policy manual to find out what is standard practice. Do not agree to sign anything then and there; say that you need to review the proposed agreement with your legal and financial advisors.

The National Employee Rights Institute (NERI) contends that employees have more bargaining power than they realize. And it's not only the amount of severance pay that is negotiable. Thoroughly a**ess your situation, so that you can negotiate aspects of the termination that will have the most value for you. For example, if the layoff occurs shortly before a bonus will be paid or before a service anniversary that would increase your vesting rights in any company-sponsored retirement or profit-sharing plans, prepare a case that you should be entitled to receive that payment or additional vesting.

Also think about receiving your severance payment as salary continuation rather than a lump sum agreement. Salary continuation often allows for a continuation of disability benefits and also lets you answer "yes" when asked if you're still employed.

6. Get Fired Up!
When layoffs are looming, the best course of action is to stay positive and place yourself in a position of strength. Remember, change is an accelerating mechanism. It can bring about hardship and anxiety if you try to avoid it, but tremendous opportunity if you accept and welcome it.
Date: Tue 11/14/06 12:25PM
From: Rick

Message: "I don't think we've seen the bottom yet," Home Depot Chairman Robert Nardelli said during a conference call. "I don't see anything that suggests it's going to get significantly better in '07." Wow! The more the housing related industry goes down, the more CFC goes up. Hmmmm!!
Date: Mon 11/13/06 7:02PM
From: Michelle M.

Message: Sound familiar, DUDES?

Left: August 20, 2006 By: In:

No wonder the Vice Presidents hide in their private offices instead of going out on the floor where the workers are. They get scared when the PLCs ask them a loan question and they can't answer it nor will they take the time to find out. Just consult the loan program guidelene. What a joke. That's what your job is. It doesn't take much to get a VP title at Crappywide. There's hundreds of them. Mike Mathews is the most worthless VP of them all in AZ.
Date: Mon 11/13/06 5:43PM
From: Mark

Message: Savannah and Brunswick? A "micro" of your overall management (skills?????)
Date: Mon 11/13/06 10:16AM
From: Marcus

Message: I am a former CHL employee. I worked their for 10 years. When I started work there I loved it. CHL was a progressive and state-of-the-art company, industry leader and pioneer in the mortgage business. I worked hard and made a lot of money. There were terrific managers throughout the company, including Joe Anderson who ran the retail division (CMD). In 2000 CHL decided it needed to hire loan officers and become a more traditional lender. That is when the company started to sour. Someone else posted a story to this site about Brian Hale. I always felt that Brian Hale was the beginning of the end for CHL as a great place to work. I was no longer important, only the numbers I produced. And the numbers were never high enough (even though I won awards as a top producer). More more more was all they wanted.
In regards to the rates and fees - CHL had the highest interest rates in my market. They were, by far, higher than any other lender or broker - it was almost a joke. How could I be successful, or my branch be successful, if I couldn't compete. "That is not an acceptable excuse" is what I was told.
CHL started their own in-house vendor management company, called Landsafe. We were mandated to order from Landsafe - all credit reports, appraisals, flood certs, title, etc. The appraisal fees went from $225 (ordering direct from the local appraisal companies) to $390 ordering through Landsafe. CHL wanted their piece of the pie and inflated the fees by providing a service (what service? They acted as a middle man.) My CHL stocks did great, but I was priced out of the market both on rates & fees.
I also got my own home loans (1st & 2nd) from CHL. My home was new construction so after a year I went through escrow analysis and, as expected, I had an escrow shortage. CHL sent me a coupon which was clearly printed as "ESCROW SHORTAGE" in which to mail in a lump sum. I did this using their coupon. Lo and behold they applied the escrow shortage check to principal. (I had automatic debit of my regular payment, so did not normally mail any payments.)
It took me 5 months to get them to correctly apply the escrow shortage, and I worked there! When they finally backed out all of the payments - back to the one that was misapplied - they reapplied the payment - to the principal again! HEL-LO! And I had to go through the whole process again.
Their Payment Processing Center has to be in the bottom 10 worst in the world. I received many, many phone calls from people (my customers) who had payments misapplied, go missing, or be applied to the wrong customer's account.
I have since left CHL because I could no longer be successful there. I was very sorry to go, because I had seen how great the company once was, but it was being driven into the ground by the current senior management.
Date: Mon 11/13/06 10:13AM
From: Lee S.

Message: This is what a former Vice President of Countrywide had to say :

“Countrywide is a very executive driven culture and not employee
oriented. The executives are like kindergarten children and must get
their way or they scream and yell. They have no respect for the
average employee. As professional employee, I have been yelled at and
reprimanded many times for things that are not my fault, things as
simple as my a**istant did not process a request fast enough or one of
my staff sent an e-mail that was perceived as “not respectful enough”
by one of the executives. Countrywide does not “walk the talk.” The
stated values are “People, Pa**ion, Principles” but everyday I am asked
to make exceptions to policies for the executives but when an employee
makes a similar request, I am told to deny it. I recently attended a
speech by one of the senior executives and he mentioned that
Countrywide is at the end of the refi boom and that it will be laying
off 800 loan processors. He had to make a recommendation to the CEO
about what to do. So he went into his office with several scenarios.
The CEO said, “Let’s whiff em.” (or some equally mafioso term, I don’t
recall the exact wording from the speech, but I recall being appalled
by the language.) The exec said, “Well maybe we should keep some of
them on because the refi business might come back or we could use them
in another capacity…” etc. etc. The CEO said, “So far, all you’ve
been doing is guessing. It sounds like you are really good at
guessing. If things change, we can bring some back or hire new
people. But right now, we don’t need them. So what part of Let’s
whiff ‘em don’t you understand?” And so the decision was made to lay
off 800 people. And then the senior exec moved on to the next part of
his speech. Believe it or not, this information was shared in a public
forum to over 200 Countrywide managers. It’s this kind of callousnous
that I find appalling. The executives spend a lot of time on the golf
course and they are quite competitive too. If they are not placed on
the right foursome, all hell breaks loose. They justify the golf
tournaments as charitable expenditures. The only charity I see is that
the execs get to play golf and enjoy a free, all expenses paid weekend
at an upscale resort. This year, the CEO’s total compensation was $35
million (of which about half was a cash bonus)while many employees were
lucky if they got a 3% raise. And the stock option plan was greatly
reduced. Now the majority of new employees need to wait 2-1/2 years to
even be considered for stock options and hourly employees may never see
stock options since the waiting period is 10 years. Micromanaging is
part of the “Countrywide Way.” Senior executives get involved with
nitty gritty details and then they call my boss (sometimes they even
yell at my boss) who then calls me which then causes me to get on my
staff’s case. All this builds up stress along the chain. I have been
so stressed out this year that I finally went to a psychiatrist and I
am on anti-depressants to deal with the stress so I can continue
working while I look for another job. Every day, I remind myself that
I am a nice person with integrity. At Countrywide, the culture makes
it easy to forget who you are and what really matters.”
Date: Mon 11/13/06 10:04AM
From: Roy M.

Message: I would like to let the world know that my mortgage company, whom I did not chose to be my lender, lacks credibility and common sense. Furthermore, they are sloppy, lazy and they conducted themselves in a very unprofessional manner in the handling of my home loan.
All of Countrywide's employees and so-called managers I contacted by telephone lied and misrepresented their ability to resolve the problems they caused with my loan. They misappropriated my funds and then stole the monthly payments. They then hara**ed me with over twenty phone calls threatening me with foreclosure and the loss of my credit power, while possessing the monthly payments I had made to them.
During these hara**ing phone calls, I was instructed to give the account numbers on the back of my copy of the cancelled checks to the representative. These were verified to be Countrywide accounts. I then sent them the copies of the cancelled checks (via certified mail) including return receipts, so that they could post the credits to my account. However, to my surprise each of the four times I sent copies, (I sent copies to two offices; Van Nuys & Simi Valley), I continued to receive threatening phone calls from Countrywide stating that my payments were never received and that I had not made any effort to send them copies as promised. I tried to handle the situation professionally; however, I was not treated with the same courtesy and respect by Countrywide.
Countrywide Home Loan makes a claim that they are number one in customer service and will handle your needs professionally. However, the clear facts are that their company and its employees lack integrity and are not credible in dealing with the public when it comes to a home mortgage loan and the proper accounting of such a loan. They have simply swept my problem under the rug and after all was said, I have still yet to receive an apology for all their mistakes and the valuable time they wasted in resolving this simple matter.
I had made over fifteen phone calls, written nine letters, (besides the four certified letters I already sent) and not once did I get a response from anyone from Countrywide to help resolve this nightmare. Therefore, in January of 2000, I filed a small claims action to get a fair hearing to resolve the matter of my lost monthly payments, six late charges, and my escrow deposit. It was not a surprise to hear from them until the day before my hearing on or about February 10, 2000.
I received a call from an employee who said that a vice president secretary wanted to know about my figures in relation to my small claim action to be heard the next day. Once again the conversation fell on deaf ears and I heard nothing about Countrywide’s mistakes or for that matter an apology.
When indeed I met the representatives at the hearing, the conduct of their head accountant and VP adviser reinforced my previous experience with Countrywide; none caring, lacking common sense, no integrity or credibility. These two employees informed me at the hearing, that my payments, six late fees, and escrow account had been credited to my home loan a few days prior. I stated to them they had wasted my time and money in reaching a final and fair solution and their actions had also caused me to lose several days’ work. Their answer to that was a generous offer of $100 for all my troubles, totally disregarding what their company had done to me as an individual with all of their lies, disrespect and abuse. They did not show good faith or a sincere effort to correct their mistakes regarding my account. The hearing went no where, since I, according to the judge needed certified accounting of my figures. The case was dismissed in favor of Countrywide Home Loan.
I have congratulated Countrywide and their so called legal team on their skill in winning this case since now they can legally steal mortgage payments and misappropriate other funds with no worries or concerns for the rights of individuals.
Here you can see as the borrower, that this giant company will have no regards for you. They cannot fix a small common problem with a click of their computer mouse, yet they were willing to squander time and money to send three loafers on a 140 mile round trip to court costing them hundreds of dollars.
It is clear what Countrywide has accomplished with their unethical and dirty business practices. They have lied and misrepresented their so-called knowledge of handling simple home loans and displayed a gross disregard for the truth. Instead they will go to great lengths, including wasting manpower, time and money to cover up their mistakes.
Date: Mon 11/13/06 9:58AM
From: Tina

Message: T-Bone and Sage Mushroom Sauce



1 2 lb. T-Bone steak, about 2 inches thick

2 T. olive oil

1 t. dried rosemary

1 T. cracked fresh black pepper

1 t. sea salt



Rub the steak with the olive oil. Rub in the spices and set aside for 30 minutes.



Preheat grill to high.



Sauce:

1/2 oz. dried mushrooms, any variety

1 1/2 C. boiling water

Soak the mushrooms for 20 - 30 minutes.

2 T. olive oil

2 T. fresh chopped sage

2 shallots chopped

4 oz. fresh shitake mushrooms

4 oz. button mushrooms

1/2 t. salt

1/2 C. heavy cream

1 T. sherry

2 T. fresh chopped parsley



Drain the mushrooms, reserving the liquid. Set the liquid aside. Squeeze mushrooms gently to remove excess water.



Heat the oil in a skillet over medium high heat. Add the shallots and cook for 30 seconds. Add the sage and and all of the mushrooms. Cook about 2 minutes and then add the reserved liquid. Cover and cook for 4 minutes.



Add the cream, salt and pepper. Simmer the sauce until it begins to thicken. Stir in the parsley and serve.



When you begin to make the sauce, throw the steaks on the grill and cook for about 8 minutes on each side for medium rare.



Serve the sauce on the side.



Serves 2 - 3.
---------------------------------------- ----------------------------------------
Date: Mon 11/13/06 9:39AM
From: Tom Smyth

Message: Hearty Vegetable Soup

INGREDIENTS:
3/4 cup chopped celery
3/4 cup chopped onion
1 cup chopped carrots
1 (14.5 ounce) can diced tomatoes, drained
3 cups tomato-vegetable juice c***tail
2 cups water
1 leek, chopped
1 potato, peeled and cubed
1 (15 ounce) can peas, drained
1 (15 ounce) can whole kernel corn, drained
2 (15 ounce) cans garbanzo beans, drained
1 cup long-grain white rice
1 tablespoon soy sauce
1/4 teaspoon dried thyme
1/2 teaspoon ground black pepper
1/4 teaspoon garlic powder
1 teaspoon dried dill weed

DIRECTIONS:
In a large pot over high heat, combine the celery, onion, carrots, tomatoes, tomato-vegetable juice, water, leek, potato, peas, corn, beans, rice, soy sauce, thyme, ground black pepper, garlic powder and dill weed.
Bring to a boil, reduce heat and simmer for 30 minutes, or until vegetables are tender.
---------------------------------------- ----------------------------------------
Date: Mon 11/13/06 9:41AM
From: Sue

Message: Grilled Flank Steak

1 ( 1 1/2 lb. ) flank steak
1 ( 10 1/2 oz. ) can beef consomme
1 cup red wine
2/3 cup soy sauce
1/2 cup green onions
1 clove garlic, minced
2 Tbsp. lime juice
2 Tbsp. brown sugar

Trim excess fat from steak, pierce steak on both sides with a fork. Place steak in a large shallow dish. Combine remaining ingredients, stirring well. Pour over steak; cover and marinate in refrigerator 8 hours, turning occasionally. Drain steak, reserving marinade. Grill over medium coals 7 to 9 minutes on each side or to desired degree of doneness, basting with reserved marinade. To serve, slice steak across grain into thin slices. 6 servings
Date: Mon 11/13/06 9:48AM
From: Tina

Message: T-Bone and Sage Mushroom Sauce



1 2 lb. T-Bone steak, about 2 inches thick

2 T. olive oil

1 t. dried rosemary

1 T. cracked fresh black pepper

1 t. sea salt



Rub the steak with the olive oil. Rub in the spices and set aside for 30 minutes.



Preheat grill to high.



Sauce:

1/2 oz. dried mushrooms, any variety

1 1/2 C. boiling water

Soak the mushrooms for 20 - 30 minutes.

2 T. olive oil

2 T. fresh chopped sage

2 shallots chopped

4 oz. fresh shitake mushrooms

4 oz. button mushrooms

1/2 t. salt

1/2 C. heavy cream

1 T. sherry

2 T. fresh chopped parsley



Drain the mushrooms, reserving the liquid. Set the liquid aside. Squeeze mushrooms gently to remove excess water.



Heat the oil in a skillet over medium high heat. Add the shallots and cook for 30 seconds. Add the sage and and all of the mushrooms. Cook about 2 minutes and then add the reserved liquid. Cover and cook for 4 minutes.



Add the cream, salt and pepper. Simmer the sauce until it begins to thicken. Stir in the parsley and serve.



When you begin to make the sauce, throw the steaks on the grill and cook for about 8 minutes on each side for medium rare.



Serve the sauce on the side.



Serves 2 - 3.
---------------------------------------- ----------------------------------------
Date: Mon 11/13/06 9:39AM
From: Tom Smyth

Message: Hearty Vegetable Soup

INGREDIENTS:
3/4 cup chopped celery
3/4 cup chopped onion
1 cup chopped carrots
1 (14.5 ounce) can diced tomatoes, drained
3 cups tomato-vegetable juice c***tail
2 cups water
1 leek, chopped
1 potato, peeled and cubed
1 (15 ounce) can peas, drained
1 (15 ounce) can whole kernel corn, drained
2 (15 ounce) cans garbanzo beans, drained
1 cup long-grain white rice
1 tablespoon soy sauce
1/4 teaspoon dried thyme
1/2 teaspoon ground black pepper
1/4 teaspoon garlic powder
1 teaspoon dried dill weed

DIRECTIONS:
In a large pot over high heat, combine the celery, onion, carrots, tomatoes, tomato-vegetable juice, water, leek, potato, peas, corn, beans, rice, soy sauce, thyme, ground black pepper, garlic powder and dill weed.
Bring to a boil, reduce heat and simmer for 30 minutes, or until vegetables are tender.
---------------------------------------- ----------------------------------------
Date: Mon 11/13/06 9:41AM
From: Sue

Message: Grilled Flank Steak

1 ( 1 1/2 lb. ) flank steak
1 ( 10 1/2 oz. ) can beef consomme
1 cup red wine
2/3 cup soy sauce
1/2 cup green onions
1 clove garlic, minced
2 Tbsp. lime juice
2 Tbsp. brown sugar

Trim excess fat from steak, pierce steak on both sides with a fork. Place steak in a large shallow dish. Combine remaining ingredients, stirring well. Pour over steak; cover and marinate in refrigerator 8 hours, turning occasionally. Drain steak, reserving marinade. Grill over medium coals 7 to 9 minutes on each side or to desired degree of doneness, basting with reserved marinade. To serve, slice steak across grain into thin slices. 6 servings
Date: Mon 11/13/06 9:41AM
From: Sue

Message: Grilled Flank Steak

1 ( 1 1/2 lb. ) flank steak
1 ( 10 1/2 oz. ) can beef consomme
1 cup red wine
2/3 cup soy sauce
1/2 cup green onions
1 clove garlic, minced
2 Tbsp. lime juice
2 Tbsp. brown sugar

Trim excess fat from steak, pierce steak on both sides with a fork. Place steak in a large shallow dish. Combine remaining ingredients, stirring well. Pour over steak; cover and marinate in refrigerator 8 hours, turning occasionally. Drain steak, reserving marinade. Grill over medium coals 7 to 9 minutes on each side or to desired degree of doneness, basting with reserved marinade. To serve, slice steak across grain into thin slices. 6 servings
Date: Mon 11/13/06 9:39AM
From: Tom Smyth

Message: Hearty Vegetable Soup

INGREDIENTS:
3/4 cup chopped celery
3/4 cup chopped onion
1 cup chopped carrots
1 (14.5 ounce) can diced tomatoes, drained
3 cups tomato-vegetable juice c***tail
2 cups water
1 leek, chopped
1 potato, peeled and cubed
1 (15 ounce) can peas, drained
1 (15 ounce) can whole kernel corn, drained
2 (15 ounce) cans garbanzo beans, drained
1 cup long-grain white rice
1 tablespoon soy sauce
1/4 teaspoon dried thyme
1/2 teaspoon ground black pepper
1/4 teaspoon garlic powder
1 teaspoon dried dill weed

DIRECTIONS:
In a large pot over high heat, combine the celery, onion, carrots, tomatoes, tomato-vegetable juice, water, leek, potato, peas, corn, beans, rice, soy sauce, thyme, ground black pepper, garlic powder and dill weed.
Bring to a boil, reduce heat and simmer for 30 minutes, or until vegetables are tender.
Date: Mon 11/13/06 9:37AM
From: Tina

Message: T-Bone and Sage Mushroom Sauce



1 2 lb. T-Bone steak, about 2 inches thick

2 T. olive oil

1 t. dried rosemary

1 T. cracked fresh black pepper

1 t. sea salt



Rub the steak with the olive oil. Rub in the spices and set aside for 30 minutes.



Preheat grill to high.



Sauce:

1/2 oz. dried mushrooms, any variety

1 1/2 C. boiling water

Soak the mushrooms for 20 - 30 minutes.

2 T. olive oil

2 T. fresh chopped sage

2 shallots chopped

4 oz. fresh shitake mushrooms

4 oz. button mushrooms

1/2 t. salt

1/2 C. heavy cream

1 T. sherry

2 T. fresh chopped parsley



Drain the mushrooms, reserving the liquid. Set the liquid aside. Squeeze mushrooms gently to remove excess water.



Heat the oil in a skillet over medium high heat. Add the shallots and cook for 30 seconds. Add the sage and and all of the mushrooms. Cook about 2 minutes and then add the reserved liquid. Cover and cook for 4 minutes.



Add the cream, salt and pepper. Simmer the sauce until it begins to thicken. Stir in the parsley and serve.



When you begin to make the sauce, throw the steaks on the grill and cook for about 8 minutes on each side for medium rare.



Serve the sauce on the side.



Serves 2 - 3.
Date: Mon 11/13/06 9:26AM
From: Truth Commission

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Date: Mon 11/13/06 8:59AM
From: Tim R

Message: Is CFC going to experience any fallout from this?

http://home.businesswire.com/portal/site ...
Date: Mon 11/13/06 8:55AM
From: Piper

Message: Carrie Says:

November 10th, 2006 at 2:19 pm
TO: CFCemployee:

Why is it that the ones in the “fishbowl”(as Mr. Mozilo referred to you) are so ignorant of the ways of the fishermen (Upper management)?

Mark Says:

November 10th, 2006 at 2:28 pm
They are all drunk on Mo’s Kool-Aid.

piper Says:

November 10th, 2006 at 2:37 pm
Carrie,

I loved what you said. That totally says it all

Rick Says:

November 10th, 2006 at 3:52 pm
Carrie, perfect. Thanks!

Another RIF Says:

November 10th, 2006 at 4:26 pm
This guppy is looking for another pond…

7bosses_6years Says:

November 11th, 2006 at 12:34 am
BEG TO DIFFER WITH YOU “at the end of the day, you control your own destiny, you chose what enviroment you work in by either putting up with it, trying to change it or leaving…..it just sounds like their are a lot of bitter people that are blaming countrywide for their internal problems.”

Many have been blindsided by the layoff, one minute a star employee and the next they are let go. One SVP was let go after being hired to begin a new function only to be let go after only 5 months because of the cost cutting needed. So it is hard to control your own destiny, to choose where you want to work, and to trust those who hired you. Many were long time employees who have lost their pensions, options, and the seniority that they worked for. They will have to go somewhere else and start over. Layoffs make people unhappy. Especially when there are double dippers.

Turner Says:

November 11th, 2006 at 7:05 am
The atmosphere turned for the worse only in the last 4 years. Production and Loan Servicing do not communicate when it comes to handling the servicing efforts of all the new loan products. There’s an old saying ” all loans are good when their made, now try to collect the monthly payments”. CHL has grown leaps and bounds. When I started servicing was at $200 billion and now it’s at $1.2 trillion. Growing pains and being an agent of change has hurt the operations.

CurrentEmployee Says:

November 11th, 2006 at 3:37 pm
7bosses_6years, you’re generally right but here’s the thing about the layoffs: there will be a LOT more, and they’ll come in small waves probably over the next two years before whoever acquires CFC makes their move. When that acquisition closes, the vast majority of people in administrative functions - HR, Corp. Admin, Facilities, IT/AT, Finance, etc. will be let go. Sales and some ops people will carry over but very few others.

Stay tuned. CFC is going to start shrinking very fast after about March / April of next year, I think. From 2500 layoffs and shrinking through attrition, we’ll see successive waves of 5000 and more layoffs soon.

Piper Says:

November 11th, 2006 at 6:40 pm
I don’t think that Angelo M. will let that happen. I don’t think he is ever going to let an acquistion happen. unless CW is in deep Sh*t.

CurrentEmployee Says:

November 11th, 2006 at 8:37 pm
Piper:
The thing that you have to understand is that CFC is a publicly-traded company. If the shareholders accept the offer of another company, Angelo can’t stop it from happening just because he doesn’t want it sold. Say Citigroup or Goldman or JPMorgan Chase comes along and offers $48/share for the company. Unless Angelo & friends take the company private, which seems incredibly unlikely because they know the gravy train will come to a swift end for them under that scenario, or unless they have some sort of incredible “poison pill” scheme ready, they can’t stop an acquisition from occurring.

By the way, CFC IS in deep shit. Why do you think all the insiders have been dumping the stock as fast as legally possible for the past two years? You think they’ve been doing that because they see nothing but positive signs on the horizon? Wake up, dude. There are those among us who are trying to be part of a turnaround and would love to see it happen, but there are about 15 SMDs and 70 MDs who really just have to GO before it’s altogether likely.

Meanwhile, any well-funded, well-run company that wants to be a serious weight in the mortgage business would do very well to grab the company now, dump 90% of its management, and turn it into an earnings machine.

Piper Says:

November 11th, 2006 at 9:16 pm
CurrentEmployee, All the logic points to CFC being in deep deep Sh*t. I don’t even know how they are managing the cool face . Really it makes me wonder , what do they have up their sleeves.
For the good CFC customers and employees (excluding SMDs and MDs) I really hope a mereger happens.

Turner Says:

November 12th, 2006 at 7:34 am
On December 5, 2006 is my 11th year with CHL. Do I like the company? Not like I used to. Will I leave? No, I have a nice home here in Plano and a family of 4 to support. I’m “middle management” and what Rick states above is close to reality. In my division we have VP’s that report to VP’s, and these VP’s have no one reporting to them. AVP’s with 3-4 managers have 1 or no direct reports. There’s a SVP titled “Deputy Chief of Staff” in Simi Valley that has no staff. What’s that all about. This management reporting is evident within my division and across the board. Another waste of money is the R.O.S.E. Retreat. The majority of employees would rather see $$ in their paychecks instead of going to Lost Wages (Las Vegas) for a few days.

The culture between Texas and CA are always at odds. When the big wigs come out from CA, my management group puts on this false front that all is well. When they go back to CA, the attitudes go right to back to “we’ll do it our way, forget about what they told us to do”. Senior management also does not communicate with each level of management. One day everything is just great and secure, the next it the opposite.

Way too many layers of management here. A vast majority of employees surf the internet, takes longer than allowed morning and afternoon breaks, and pushes the 1 hour lunches an extra 20 minutes and gets away with it. No one here really cares and just looks the other way. Many employees abuse the use of the gym and go there during work hours and then takes their regular lunch hour. They do try to cover their time by bringing lunch from the cafeteria to their office, however they too are surfing the net and chit chatting on the phone.

No one cares and why should I. I have direct deposit every 2 weeks, 3 weeks vacation a year, and up until 2004 received fantastic stock options. I work in foreclosure, do my job, and make my own agenda as long as the work for the day is properly completed.

The 2500 layoffs currently in process is only the beginning. Between CA, TX, AZ, and Florida the fall out will be greater than 6000 by the end of the 1st quarter of 2007. That’s the only way to save $500 million or more per year in expenses. They could sell off say Balboa Insurance and/or Landsafe to save expenses and raise cash too.

A merger or acquisition would be best for the company overall, however I believe the magic number is north of $50 per share. EVP’s and up have excellent “change in control” agreements should a B of A or Wells Fargo step up to the plate. I’d be happy since my average stock option is $9.37 per share and in addition will receive 1 week severance pay for each year of employment. If that does come to fruition, I’ll cash in and open a sports bar in Frisco, Texas. Everyone is welcome.

Daniel Says:

November 12th, 2006 at 11:47 am
Turner , I am happy that a merger will work out for you. Just hang in there.
BTW I know an EVP in Calabasas that has nobody reporting to him/her.
The management layer is too much everywhere.

CurrentEmployee Says:

November 12th, 2006 at 3:11 pm
Turner:
You’re almost certainly right. As soon as I hit “submit” with “$48/share” in my post I thought I was far too low. Still - I think there are potential acquirers out there who would see the company as a pretty good bargain at close to $60/share, and I think the likelihood of an acquisition some time in the next two years is quite high.

I worked in Loan Admin (actually, CSSD) when I first came to the company and I’ve rarely seen more intensive and near-deliberate mismanagement in all my life. Kevin Myers is the only one of the “C-Level” Loan Admin execs who’s worth his salt as a manager, and the other MDs and EVPs in that group are by and large a real pack of clowns. The ones who are really up to making a change in the place are overwhlemed by territorial, tiny-minded idiots. I know he’s not an EVP (yet) in that group, but think about it: do you honestly think James Hendrick could get a job at any other company? He’s a freaking excel jockey, and they’re paying him $175,000 plus-plus per year!

One reason why reorgs are so frequent and so common is that the management literally has nothing else to do, and reorganization accomplishes two things: it paints a sheen of activity on things that mask the fact that no results are being obtained, and it gives crafty managers opportunities to shore up their fiefdoms and protect turf. Also, it seems to me that the pace of cosmetic change - the kind of change that reorgs bring about - is so frenetic that it masks people’s resistance to fundamental, systemic change, which is just the kind of change that’s required. So, people who might help to turn the place around get stuck because they get caught up in the whirlwind of cosmetic change and reorganizations, and the people creating all those cosmetic changes are such a gladhanding, self-congratulatory bunch of so-called “change agents” that they can’t possibly see how stuck in the past they actually are.

Fundamental change will only come when the company is acquired and the vast majority of managers are cleaned out.

Turner Says:

November 12th, 2006 at 4:45 pm
I agree with your analysis as well. Dick Deleo left a group of chumps or chimps behind to take over the “once” most highly respected loan servicing shop in the industry. When Mr. Meyers came back from his tour in England, he should have taken over the operation. He’s likely waiting for his boss to screw up and then he’ll clean house and put the shop back in order.

Hendrick @ $175K and there’s plenty more 1st VP’s and up in here that need to get the boot! That’s just Loan Admin and I hope Mr. Sambol and Mr. Schakett see the light sooner than later. When deliquency shoots up, and it will, the default group will have no clue what to do except wondering when the next R.O.S.E. Retreat is planned.

Bill Says:

November 12th, 2006 at 8:19 pm
Well folks, as most of you know I used to work there in Sr mgmt and many of whwat you guys are saying are right although someof you may be speculating.

CFC in jsut the last year has become a ground of empire buiding. Several layers of reporting and many in those layer have no clue what is going on underneath even to know to fix it.

Someone said NEXOS, I heard abt that whlie I was on the field 3 years ago and here we are three years later and several millions of high tech salary paid as well as several exec in technology, still nothing. One of my Regional manager friend told me the other day that it seems they even do not have a prequal demo in place.

Why cant this company cut cost by eliminating such hi fi projects paying some beig chunk of change to those tech folks and instead fix the current system. I recently heard from one of my HLC’s here in TX they have rolled out a new version of advantedge that seems to be very good and just abt right. He also mentioned that he had met with a few of the tehcnology folks who came to visit him a year ago when they were planning to release this and said they had said it would take less than a year and they did it. Paul also told me that abt three of those guys that made this happened moved on, perhaps they thought the competition was perhaps a better place.

Why a rolls royce when all you need is a BMW. Lay off those 300 technology folks that have been working on Nexos and have delivered nothing.

Cost cutting, Sambol really needs to fire those technology folks the one’s that dont get anything done but always talk big. nexos or whatever, the shareholders money is being wasted….

Iam so glad to leave 7 months ago. And the competition is good - THe gra** is indeed green. But I feel for my friends still there.

-Bill

Date: Mon 11/13/06 7:28AM
From: Bill

Message: Well folks, as most of you know I used to work there in Sr mgmt and many of whwat you guys are saying are right although someof you may be speculating.

CFC in jsut the last year has become a ground of empire buiding. Several layers of reporting and many in those layer have no clue what is going on underneath even to know to fix it.

Someone said NEXOS, I heard abt that whlie I was on the field 3 years ago and here we are three years later and several millions of high tech salary paid as well as several exec in technology, still nothing. One of my Regional manager friend told me the other day that it seems they even do not have a prequal demo in place.

Why cant this company cut cost by eliminating such hi fi projects paying some beig chunk of change to those tech folks and instead fix the current system. I recently heard from one of my HLC’s here in TX they have rolled out a new version of advantedge that seems to be very good and just abt right. He also mentioned that he had met with a few of the tehcnology folks who came to visit him a year ago when they were planning to release this and said they had said it would take less than a year and they did it. Paul also told me that abt three of those guys that made this happened moved on, perhaps they thought the competition was perhaps a better place.

Why a rolls royce when all you need is a BMW. Lay off those 300 technology folks that have been working on Nexos and have delivered nothing.

Cost cutting, Sambol really needs to fire those technology folks the one’s that dont get anything done but always talk big. nexos or whatever, the shareholders money is being wasted….

Iam so glad to leave 7 months ago. And the competition is good - THe gra** is indeed green. But I feel for
Date: Sun 11/12/06 12:29PM
From: Yo! White Trash Chicks

Message: 7bosses_6years, you’re generally right but here’s the thing about the layoffs: there will be a LOT more, and they’ll come in small waves probably over the next two years before whoever acquires CFC makes their move. When that acquisition closes, the vast majority of people in administrative functions - HR, Corp. Admin, Facilities, IT/AT, Finance, etc. will be let go. Sales and some ops people will carry over but very few others.

Stay tuned. CFC is going to start shrinking very fast after about March / April of next year, I think. From 2500 layoffs and shrinking through attrition, we’ll see successive waves of 5000 and more layoffs soon.

Piper Says:

November 11th, 2006 at 6:40 pm
I don’t think that Angelo M. will let that happen. I don’t think he is ever going to let an acquistion happen. unless CW is in deep Sh*t.

CurrentEmployee Says:

November 11th, 2006 at 8:37 pm
Piper:
The thing that you have to understand is that CFC is a publicly-traded company. If the shareholders accept the offer of another company, Angelo can’t stop it from happening just because he doesn’t want it sold. Say Citigroup or Goldman or JPMorgan Chase comes along and offers $48/share for the company. Unless Angelo & friends take the company private, which seems incredibly unlikely because they know the gravy train will come to a swift end for them under that scenario, or unless they have some sort of incredible “poison pill” scheme ready, they can’t stop an acquisition from occurring.

By the way, CFC IS in deep shit. Why do you think all the insiders have been dumping the stock as fast as legally possible for the past two years? You think they’ve been doing that because they see nothing but positive signs on the horizon? Wake up, dude. There are those among us who are trying to be part of a turnaround and would love to see it happen, but there are about 15 SMDs and 70 MDs who really just have to GO before it’s altogether likely.

Meanwhile, any well-funded, well-run company that wants to be a serious weight in the mortgage business would do very well to grab the company now, dump 90% of its management, and turn it into an earnings machine.

Piper Says:

November 11th, 2006 at 9:16 pm
CurrentEmployee, All the logic points to CFC being in deep deep Sh*t. I don’t even know how they are managing the cool face . Really it makes me wonder , what do they have up their sleeves.
For the good CFC customers and employees (excluding SMDs and MDs) I really hope a mereger happens.

Turner Says:

November 12th, 2006 at 7:34 am
On December 5, 2006 is my 11th year with CHL. Do I like the company? Not like I used to. Will I leave? No, I have a nice home here in Plano and a family of 4 to support. I’m “middle management” and what Rick states above is close to reality. In my division we have VP’s that report to VP’s, and these VP’s have no one reporting to them. AVP’s with 3-4 managers have 1 or no direct reports. There’s a SVP titled “Deputy Chief of Staff” in Simi Valley that has no staff. What’s that all about. This management reporting is evident within my division and across the board. Another waste of money is the R.O.S.E. Retreat. The majority of employees would rather see $$ in their paychecks instead of going to Lost Wages (Las Vegas) for a few days.

The culture between Texas and CA are always at odds. When the big wigs come out from CA, my management group puts on this false front that all is well. When they go back to CA, the attitudes go right to back to “we’ll do it our way, forget about what they told us to do”. Senior management also does not communicate with each level of management. One day everything is just great and secure, the next it the opposite.

Way too many layers of management here. A vast majority of employees surf the internet, takes longer than allowed morning and afternoon breaks, and pushes the 1 hour lunches an extra 20 minutes and gets away with it. No one here really cares and just looks the other way. Many employees abuse the use of the gym and go there during work hours and then takes their regular lunch hour. They do try to cover their time by bringing lunch from the cafeteria to their office, however they too are surfing the net and chit chatting on the phone.

No one cares and why should I. I have direct deposit every 2 weeks, 3 weeks vacation a year, and up until 2004 received fantastic stock options. I work in foreclosure, do my job, and make my own agenda as long as the work for the day is properly completed.

The 2500 layoffs currently in process is only the beginning. Between CA, TX, AZ, and Florida the fall out will be greater than 6000 by the end of the 1st quarter of 2007. That’s the only way to save $500 million or more per year in expenses. They could sell off say Balboa Insurance and/or Landsafe to save expenses and raise cash too.

A merger or acquisition would be best for the company overall, however I believe the magic number is north of $50 per share. EVP’s and up have excellent “change in control” agreements should a B of A or Wells Fargo step up to the plate. I’d be happy since my average stock option is $9.37 per share and in addition will receive 1 week severance pay for each year of employment. If that does come to fruition, I’ll cash in and open a sports bar in Frisco, Texas. Everyone is welcome.
Date: Fri 11/10/06 6:54PM
From: Kim

Message: I am unfortunately an ex-employee, or should I say fortunately?
This company has an destructive coorporate philosophy that trickles down from senior management. They have no regard for the well-being of their employees. This attitude eventually makes its way to not only the retail customers but the wholesale customers.
I have never experienced an employment situation that bordered on wonton behavior as I did with CHL. I can say this because I was there and witnessed it first hand.
Recently, HR contacted me for an exit interview. Apparently, there is disent within the organization and they are trying to uncover the REAL reasons employees are leaving. I dont care if they fix the problem but I DO HOPE that the persons that made my life misserable receive their due justice.
Date: Fri 11/10/06 5:46PM
From: C-Man

Message: Why is it that the ones in the “fishbowl”(as Mr. Mozilo referred to you) are so ignorant of the ways of the fishermen (Upper management)?

Date: Fri 11/10/06 2:37PM
From: Piper

Message: piper Says:

November 10th, 2006 at 10:05 am
I really don’t understand how Countrywide manages to stay there and their stock keeps going up. To me these are the facts , please correct me if you think I am wrong :
Managment is the most inefficent .
Turnover in Corporate is reallt high (except the ones that Incompetent)
Technology is old and resistant to change . (example NEXOS)
there has been alot of scam going on . according to countrywidehomeloanssuck.com
Theyu have developed a very bad reputation in mortgage lending , now they are filing for Savings bank?
And the stock goes up. they must be decieving market very nicely.

Date: Fri 11/10/06 2:23PM
From: Fast & Easy

Message: Blood in the water
The 10 cities with the highest foreclosure rates
City State Foreclosures Percentage
Detroit MI 10,316 1.25%
Ft. Lauderdale FL 8,431 1.14%
Denver CO 9,825 1.11%
Miami FL 9,380 1.10%
Dallas TX 13,422 1.01%
Indianapolis IN 6,383 1.00%
Ft. Worth TX 6,854 0.99%
Atlanta GA 13,562 0.94%
Las Vegas NV 5,215 0.87%
Memphis TN 3,929

Date: Fri 11/10/06 1:17PM
From: Zach Parrotts

Message: One of the big risks to the economy right now isn't the direct effects of the real estate market," [UCLA Economics Professor Christopher] Thornberg said. "It's the indirect effect -- it's that consumers are spending more than they earn."
...
"The last time [the savings rate] was negative was in the Great Depression," he said. "Consumers are spending a great deal of money right now, way more than they should be."

Unprecedented run-ups in housing prices contributed to the problem, he said. But those loans that let homeowners borrow against their increased equity and spend the cash on cars or other goods aren't solely to blame. Even homeowners who didn't use their homes as an ATM can fit the category of people Thornberg's worried about.

He said the increase in home value acted like a check on the table in some people's minds. Homeowners who might otherwise save 10 percent of their paychecks started spending that portion and thinking of their home's value as their savings account.

"The percent of your disposable income you think you need to save really declined over the last few years," Thornberg said
Date: Fri 11/10/06 12:01PM
From: Bye-Bye

Message: With homebuilders, an argument can at least be made that much bad news is already priced into their stocks. The same can't be said of mortgage lenders. This year, shares of Washington Mutual (Charts) and Countrywide Financial (Charts) have returned 3 percent and 11 percent, respectively, despite questions about how they'll fare during the housing downturn.

Not only is there the likelihood of declining: mortgage and home-equity-loan origination but they face increased credit risks as well, particularly if a weakening economy sparks defaults. UBS analyst Eric Wa**erstrom is already predicting a 40 percent increase in credit losses at Washington Mutual in 2007.

Countrywide Financial is even more mortgage-dependent than WaMu. Bank of America analyst Robert Lacoursiere, who has a neutral rating on WaMu, calls Countrywide a sell, citing a cooling housing market and the likely downturn in mortgage originations. So we'd avoid these stocks for now.

Date: Fri 11/10/06 11:23AM
From: Great!!!

Message: Trying to do anything with AS400 was a nightmare. The scary part of this puzzle is how they will handle the increase in delinquency. The department that sells the foreclosures are a joke. They have their realtor friends sell the a**ets and get great perks after closings. Christmas will be really nice for the REM folks. CHL should outsource the entire operation and they’ll save millions each year. They also have made attempts to “service for others” or “sub-servicing” and it has hurt the company. The marketing side of “sub servicing ” brings in the business, however the operations side screws it all up. Their losing good external customers and creating their own reputation downfall.

The MD’s in Loan Administration are too concerned about their ego’s, flashy cars they drive, how huge their houses are, flying 1st cla**, and lets not forget their prime parking spots. The MD’s like to show up and park as all the front line people are getting to work and parking a 1/2 mile from the front door. This builds up their ego for the day. They rely on their buddies of 5-10 years under their direction to get the job done. These buddies have no clue what’s really going on. Sure they try to get by with saying a few key buzz words here and there, but in the end it will cost CHL bigtime. I was in one video conference with FBRM and Loss Mitigation (Simi/Fort Worth/Plano/Lancaster) and nothing was accomplished. The meeting lasted 2 hours! The fresh fruit, bagels, and juice was the only highlight of the meeting. It’s really sad because the good people that are still there don’t “brown nose” their bosses enough.

Date: Fri 11/10/06 10:23AM
From: Mark

Message: Below is an excerpt from http://www.excwinsider.com/

Sounds very familiar to Duh-De-Duh.......keep 'em stupid so they think I 'am the bomb. Whatever, loser Casboy,. I hear all of Savannah is leaving. One going to Wells the other to AHM. You two SUCK! You have totally disrupted over 140 people's lives. You Need to be out of the business like NOW!!!

Rick,
My position was just like yours. I was a programmer (With VP title) My manager did not know anything about systems development. I was trying to make things right . After a while I felt like I am banging against the wall and although I got few things done That I was appraised for, (by CAP Award which is a paper and $10 Bluck Buster gift certificate) ,all happened to me after that was , many people in my team felt threatened by me and since my manager did not know anything , I was the only one trying. and eventually I had to give up. The managment don’t want change and they don’t want things right , because if there was any smart and knowledgable person in middle managment , they would threaten their job and their position. So if they see somebody is smart and knowledgable enough and cares enough to want make a change, they make sure he will not stay in CW long.

Date: Fri 11/10/06 10:10AM
From: Slim

Message: Interesting that Mozilo is switching charters because he doesn't like being overseen by both the FRB and OCC.

If my biased between-the-lines reading of some of Mozilo's quotes is accurate, it may suggest that the FRB and OCC aren't liking his business model/loan portfolio, and that the heat may be lower under the less-watchful eyes of OTS.

Does anybody have the skinny on this?

PRNewswire-First Call:

"In our continuous efforts to maximize efficiencies, the company has determined that Countrywide is better positioned for future growth as a savings institution with a single primary regulator as opposed to the current dual-regulator structure," said Chairman & CEO Angelo R. Mozilo. "Based on our analysis, we believe the housing market and its unitary supervisory approach aligns more closely with Countrywide's existing business activities and future diversification efforts. Countrywide continues to be committed to strong financial controls and a comprehensive governance structure. We believe that the OTS will a**ist us in continuing to fulfill this commitment in an efficient manner
Date: Fri 11/10/06 12:23AM
From: cwinsider

Message: Countrywide Employees and former employees,
please go to excwinsider.com and log your messages
Date: Thu 11/9/06 4:32PM
From: John Swenson

Message: Health Benefits were NOT cut to “no out of pocket maximum.” Employee contributions are going up; for me it’ll be an increase of about $40/month, which will basically wipe out any merit increase I might get. There seem to be fewer options this year but I can’t say for sure. Out of pocket maximums on some plans are increasing, but not to infinity.

Meanwhile, the company is beginning to circle the drain. The way to save the company is to thin the management ranks, in my view. In IT groups, there are in my estimation about 50 to 70% too many managers, with the result that the vast majority have literally nothing to do but micromanage work they know nothing about and pump out idiotic reports that measure nothing relevant. Mozilo says all the time that “we’re a technology company that happens to be in the mortgage business” but if he knew anything at all about the total disaster that is CFC’s proprietary technology he would shit a cat, claws and all.

Countrywide will be a small division of Citigroup or some other large financial services company at some point in the next five years or so. The servicing a**et is too rich to pa** up for big fin.svcs firms that want to play the mortgage game, and you could scrape literally billions in costs out of the company and run it as a streamlined, scaled-down organization and make it accretive to earnings. As easily one of the worst-managed firms in the United States, Countrywide is just too rich a takeout target to remain “independent” for much longer.

Date: Thu 11/9/06 3:09PM
From: 1MadBitch

Message: Message: Countrywide employees are some of the most incompetent, rude and arrogant people I have ever came into contact with. My husband and I have been in the process of refinancing and it has taking them a month to actually tell us anything. The loan processers are "STUPID", they will have all the information they need right in front of them and still can't comprehend or decipher any of it....No matter how many times you contact them, they still don't call back, just by luck if you keep calling they might actually answer!! We have already paid the appraisal fee and who knows if we will ever get it back, but thanks to this website I found out they "ripped us off" with the amount. Thanks to everyone who has posted on this website to actually make everyone aware of the scattered brain IDIOTS that work there and call themselves loan processers or supervisors.
Date: Wed 11/8/06 11:38PM
From: Jonny

Message: No prisoners were taken last Wednesday -- witness the pummeling not just of Accredited Home but also New Century and Countrywide Financial (CFC, news, msgs). (CFC's monthly comps were horrific.) Adding to the angst: Toll Brothers (TOL, news, msgs) and WCI Communities (WCI, news, msgs) -- "building" blocks in the housing ATM itself -- reported poor results that day, which saw the homebuilders under pressure. Ditto all those members of the financial-dark-matter group that I mentioned in last week's Contrarian.
Date: Wed 11/8/06 8:54PM
From: Janice Krautz

Message: I applied for a mortgage from Countrywide at the suggestion of my real estate broker (my first mistake--and I should have known better). I was somewhat pressured to move out of a small condo and move into a larger one as quickly as possible. Countrywide pre-qualified me for a mortgage that enabled me to make an offer that was accepted. Too bad it was based on bogus info. and too bad it would have put me in way way over my head financially. Still, I went along since they said it was just a preliminary mortgage and the "actual" terms would be better. They did not even give me the required estimate of closing costs. I was shocked since I've bought and sold a number of houses before and pretty much know the drill. When I repeatedly called them, and finally walked into their office one morning to get my Estimated Closing costs sheet, it didn't look anything like what I had been told. To make a long and unbelievable story short. . . they fiddled around with this mortgage, changing their story, changing the terms, not doc**enting the terms as required by law. . . right up until the very morning of the closing. I was infomred that "had to borrow $20k more" in order to cover all the costs. I was, needless to say, furious. I ought to sue them. But at least I was able to re-finance with a reputable mortgage company after about 15 months in my new condo. Greenpoint Mortgage Company. . . a good company. They play by the rules. I expect Coutnrywide will sink their own rotten ship.
Date: Wed 11/8/06 8:49PM
From: Ken

Message: a Former Vice President of CRM Technologies says:

The Information Technology organization is a crutch to current and future competitiveness of the company, and it will ultimately cause its demise. The self-serving, empire-building culture creates a bloated, non-agile organization that is extremely resistant to change. This culture is fostered by the highest levels in the organization that have created bonus and incentive plans based upon unimportant criteria such as headcount. Countrywide’s anti-outsourcing mentality creates many non- essential business units that grow in size until there are many internal fiefdoms and competing factions that hinder productivity. This is an extremely political organization that places a low value on employees and human capital. I strongly advise thinking twice about investing in this company or joining its ranks if you have other options.

Date: Wed 11/8/06 1:19PM
From: Jeff N.

Message: Talk about getting desperate. Trying to equity rape people who are keeping their financial house in order………….scuzzy Dan at it again!!!! W

Calabasas, CA (November 6, 2006) - While 91 percent of homeowners deem equity in their primary home as an important financial a**et, a nationwide survey released today reveals that many may overlook their home as a useful financial management tool - indicating a gap in Americans’ understanding of how to make the best use of a new or existing mortgage. For example, an older couple approaching retirement may think that paying off their mortgage makes the most financial sense. However, depending on their future plans and expected financial situation, there may be various mortgage solutions that, in fact, help them manage and achieve their changing financial goals. The study was conducted from October 10-12, 2006, by Harris Interactive® for Countrywide Home Loans, Inc.

While many Americans closely monitor and manage other investments within their portfolios, some are not using their mortgages as a viable financial tool. Many homeowners feel that they are tied to their original loan and underestimate their ability to use changes in their home loan strategies to meet short-term or long-term goals and match their current life stage. These homeowners may think of their mortgage as something they are stuck with until they sell their home.

“There’s a prevalent misperception about mortgages that may prevent many Americans from realizing th
Date: Mon 11/6/06 11:14PM
From: Joint Venture Buds

Message: KB Home receives additional letters regarding a notice of default related to its senior and senior subordinated notes Co announces that on November 2, 2006 it received letters from US Bank stating that they are notices of default with respect to KB Home's 7-1/4% Senior Notes due 2018, 6-1/4% Senior Notes due 2015, 5-7/8% Senior Notes due 2015, and 5-3/4% Senior Notes due 2014 and with respect to KB Home's 8-5/8% Senior Subordinated Notes due 2008, 7-3/4% Senior Subordinated Notes due 2011, and 9-1/2% Senior Subordinated Notes due 2011. The letters state that KB Home is in default under the indentures because it has not delivered to the trustee a copy of KB Home's Quarterly Report on Form 10-Q for the quarter ended August 31, 2006. KB Home is reviewing the letters, as well as other similar letters the co has previously announced receiving, and is considering their validity as notices of default. As previously described in the co's Form 12b-25 filed with the SEC on October 10, 2006, the co has not yet filed with the SEC the Third Quarter 10-Q in order to allow additional time to complete an internal review of its historical stock option grants and related accounting
Date: Mon 11/6/06 9:57AM
From: Matt

Message: This is what a former Vice President of Countrywide had to say :

“Countrywide is a very executive driven culture and not employee
oriented. The executives are like kindergarten children and must get
their way or they scream and yell. They have no respect for the
average employee. As professional employee, I have been yelled at and
reprimanded many times for things that are not my fault, things as
simple as my a**istant did not process a request fast enough or one of
my staff sent an e-mail that was perceived as “not respectful enough”
by one of the executives. Countrywide does not “walk the talk.” The
stated values are “People, Pa**ion, Principles” but everyday I am asked
to make exceptions to policies for the executives but when an employee
makes a similar request, I am told to deny it. I recently attended a
speech by one of the senior executives and he mentioned that
Countrywide is at the end of the refi boom and that it will be laying
off 800 loan processors. He had to make a recommendation to the CEO
about what to do. So he went into his office with several scenarios.
The CEO said, “Let’s whiff em.” (or some equally mafioso term, I don’t
recall the exact wording from the speech, but I recall being appalled
by the language.) The exec said, “Well maybe we should keep some of
them on because the refi business might come back or we could use them
in another capacity…” etc. etc. The CEO said, “So far, all you’ve
been doing is guessing. It sounds like you are really good at
guessing. If things change, we can bring some back or hire new
people. But right now, we don’t need them. So what part of Let’s
whiff ‘em don’t you understand?” And so the decision was made to lay
off 800 people. And then the senior exec moved on to the next part of
his speech. Believe it or not, this information was shared in a public
forum to over 200 Countrywide managers. It’s this kind of callousnous
that I find appalling. The executives spend a lot of time on the golf
course and they are quite competitive too. If they are not placed on
the right foursome, all hell breaks loose. They justify the golf
tournaments as charitable expenditures. The only charity I see is that
the execs get to play golf and enjoy a free, all expenses paid weekend
at an upscale resort. This year, the CEO’s total compensation was $35
million (of which about half was a cash bonus)while many employees were
lucky if they got a 3% raise. And the stock option plan was greatly
reduced. Now the majority of new employees need to wait 2-1/2 years to
even be considered for stock options and hourly employees may never see
stock options since the waiting period is 10 years. Micromanaging is
part of the “Countrywide Way.” Senior executives get involved with
nitty gritty details and then they call my boss (sometimes they even
yell at my boss) who then calls me which then causes me to get on my
staff’s case. All this builds up stress along the chain. I have been
so stressed out this year that I finally went to a psychiatrist and I
am on anti-depressants to deal with the stress so I can continue
working while I look for another job. Every day, I remind myself that
I am a nice person with integrity. At Countrywide, the culture makes
it easy to forget who you are and what really matters.”

Date: Sat 11/4/06 5:37PM
From: Craig Weiser

Message: I AM A HOME BUILDER.....I GIVE MANY LEADS TO COUNTRYWIDE UNTIL NOW...I WILL NEVER AND I MEAN NEVER GIVE THEM A SINGLE LOAN AGAIN...THEY ARE PIGS AND ONLY CONSIDER THEMSELVES AND WILL DO ANYTHING TO MAKE A DEAL BUT OFFER NO SERVICE DURING OR AFTER THE CLOSING.

AFTER SENDING 2 MULTI MILIION DOLLAR DEALS(WHICH THEY SPENT ALL THEIR TIME) AND ASKING FOR A SIMPLE 2ND MORTGAGE FOR MY PERSONAL HOME, I NEVER GOT A THANKYOU FOR SENDING ME DEALS, OR YES I CAN DO YOU 2ND MORTAGE AND GIVE YOU GOOD SERVICE AS WELL....THEY ARE PLAIN PIGS.....PERIOD....END OF DISCUSSION.....THEY ARE NO BETTER THAN THE LOWLIEST SNEAKY UNDERHANDED MORTAGE BROKER YOU COMMONLY FIND ON THE STREET...THEY SUCK
Date: Sat 11/4/06 5:30PM
From: J. Johnson

Message:
An Appraiser Writes: Countrywide home loans is trying to strongarm appraisers out of business. They nitpick to death any appraisal that comes from an outside firm other than their appraisal servicing firm Landsafe Appraisals. Then, what they do to their own appraisers is strongarm them into receiving low fees of $225 or less and then charging the consumer $350 for the appraisal and call the difference an administrative fee, when they dont actually do anything other than send out requests and receive appraisals. It should be against the law but it isnt. Just thought everyone should know. -Angry Appraiser not affiliated with Countrywide
Date: Sat 11/4/06 5:17PM
From: Bruce Richardson

Message: Left: June 29, 2006 By: Bruce Richardson In: Georgia

A loan officer brings in loans for the company and gets paid for her/his services. The bank makes great money lets just say an average of 2.5% of a mortgage. Taking the following example $450,000 * 2.5% = $11,250 add to that selling of loan and servicing. Lets just say on the low after all is said and done, after all expenses net $20,000 multiply that by 5 loans for an average producer= $100,000 IN REVENUE not to mention if these loans carry piggyback loans as Helocs; Helocs pay an average of 4 % net to the bank if a total of just $300,000 in heloc loans were brought in by one loan officer for the month that would = $12,000 + secondary market and servicing = $20,000.
To sumerize in todays market 1 loan officer working to bring in 5 loans for the month she/he will generate (e)$120,000 in revenue to the bank *12months $1.4 million
(these loans don't come easy to the loan officer many times they are asked to take a cut off their pay to stay competetive. The trick is that these loans are not competetive; they are already priced higher than the competition, when the loan officer takes a hit to bring down the rate to a competetive level the bank laughs because this was already built in. The ma**ive amount of stress the loan officer has to go through to stay competetive is bad. Many ex-loan officers have ulcers and other related ills.

Remember the loan officer brings in these loans from their referral sources; quite the opposite of the people who hang around inside picking up the phones. If they close the same amount of loans they are rewarded just the same, in fact some do more inside. The stupid and not so stupid lazy branch manager sits on his or her butt,(Frankly, I don't know how some even land these jobs.) Probably a lot of a_ _ kissing,with their shameful anything for money attitude, clap there hands and say bravo..the outside loan officer who picks up the most calls on the inside is doing awsome, great skills(the fastest finger in the west with the worst personal skills is.. my winner. but..SSHH.. We won't tell the guys above they are too busy counting thier money.
The Lazy Branch Manager turns to
All the rest who have pride in what they do and do as their title says (External loan officer),and squeels like a pig lets go come on bring more loans or your done. The lazy Branch manager should bow down and kiss our toes, don't they know if we all decided to stay in they would have a major problem, and probably get fired When the guys above catch on,..wait, no.. they are milking it too.

Back to the formulas. The loan officer may take home $75,000 for the yr after losses unremburst cell phone bills and other costs not covered by the bank. While the bank pockets over 1 million. In a single branch there may be 10-20 loan officers in other cases much more. So lets take 15, on the low thats $20-30,Million from 1 branch. you can find out how many branches there are in the 50 states(in the thousands),how much have any of these giants made in a few yrs? ever hear the word BILLIONS.
There is the circle of excellence; a group of top loan officers( very few of which are truly genuine people,) the others as far as I know have raided the databanks stollen others info, have kissed butt, and slithered to no end. In this group you are "king", free to shit on anyone else..but remember the money doesn't trickle down as are the laws of physics, the money trickles upward. The top are making more and more,.. Millions a yr. so they got to protect there stream lines of$$ by sucking there drones dry.

Beware top gun If the rates on certain products are manipulated cause.. this is where the money is....the bank checked there numbers and now its time to sqeeze more juice. Hey you were doing good with certain products. The market wants these products so lets raise the rates, and after that you take a hit., What's that loan officer? you don't want to take a hit...tuff deal with it. So now you are not a top loan officer but a trouble maker. Hey the customer that works off the books is needing a certain type of loan lets raise the prices on those too lets squeeze the hell out of those products.
They are juicing every product. Now The Top Producer is fired for lack of production. How is that for mortgage Vampires, the beaten down loan officer once made The Circle of exellence, and now since she hasn't closed a loan in 2 months she/he is fired and disposed of any one willing to join? NEXT...
No thanks...I am presently selling bagels happy as a pig in a blanket in
Georgia.
Date: Sat 11/4/06 3:21PM
From: Go to the Press!!

Message: 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 sc** this criminal company is. Give me one person who has complained and had the company thank them and admit they found something....damn sc**, GO TO THE PRESS!!! The lawyers their are sc**, 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 sc** at cwide and their actions, its the only way.
Date: Sat 11/4/06 3:11PM
From: Truth Commission

Message: Countrywide sales are on a decline. Go figure, but their profits never seem to go down. That's because their not investing enough in technology, scheming on employee bonuses, sending call centers over to India! But they must continue to invest heavily in a strong legal department. They must have the best attorneys! Hmmmm, I wonder why...

About the loan officers. Countrywide does have a lot of good loan officers. The problem is the management they work under. Countrywide has the most unethical and irresponsable managers running the sales teams. Also the underwriting and processing departments have a terrible, ineffictive, and incompetent system in place. That is very frustrating to the loan officer and the customer when a loan is trying to be done.
Date: Sat 11/4/06 2:57PM
From: J. Johnson

Message: I am an appraiser an Landsafe, Countrywides appraisal management company, had me removed from their approved appraiser list after I turned in one of their loan officers for trying to get me to commit fraud on an appraisal. I have never and will never have a problem with me appraisals and do work for the FHA. I am honest and because of that they removed me. They had no reason so they made reasons up. It was ridiculous. I accused them of participating in the fraud and they said it had nothing to do with that, that my work quality was bad. My work quality has never been bad ever and they call me today and ask me if I would please do something for them because a client "needs" me, I told them no way. They are rude crooks. There isn't even anyone or anywhere for me to report the whole stupid company but they are bad news.
Date: Fri 11/3/06 1:47PM
From: Maurice

Message: Decline--Former Employee In: Decline

I'M FREE!!! I BROKE OUT OF PRISON!!! If you like working in fear on a daily basis...Countrywide's your place! I have worked in all types of corporations and NEVER, NEVER have I had to deal with so much garbage and lies every freaking day.

Countrywide's Plano corporate building may look welcoming and fantastic on the outside...but you'll feel sorry once you get hired inside! Employees march like ants to get into the building, eat fast in the cafeteria, and march fast out of the building to go home.

Oh, don't worry about whether or not you'll get hired--they choose ANY BODY. Countrywide holds a job fair almost every week looking for poor suckers desperate for a job. Watch out--you WILL sign an "Arbitration Agreement" first before receiving an application...bad sign (high turnover).

Many of those people I worked with slept during "Professional Etiquette" cla**. When was it okay to talk to managers with all kinds of slang and curse words? Some of those people probably worked at your local fast-food joint where it was hard to say, "May I take your order?".


Let's describe the interior...it's ALL GREY: the bathrooms, carpet, walls, cubicles and chairs. The designer must've smoked crack while on the job because every single floor is the SAME COLOR! If you like mazes, get ready for this one! Since every floor is designed the same way--you HAVE to ask someone how to get anywhere! Guess what, even THEY don't know!

The parking garage is a death trap. Somebody decided to throw some concrete together and didn't realize how many parking spaces were needed. It's a nightmare because people double and triple park ANYWHERE they can! I've seen people literally get out of their cars and help others back out so they could go home!

I will generalize about every kind of job there...YOU WILL WORK IN FEAR! Countrywide LOVES Texas' "AT-Will" policy...you can be fired for any little thing. Managers and stupid "Team Leaders" watch you constantly by walking down the aisles making sure you stay chained to your cubicle. Don't be fooled--when they order breakfast, lunch and dinner for employees--the goal is to stay on the floor working without a "lunch break"--and, I don't think you're allowed to record it on your timesheet either! Ladies and gentlemen, sweatshops are NOT a thing of the past...

Also, some divisions like to give out "Perfect Attendance" Certificates, gift cards and balloons to hypocondriacs. Don't EVER get sick because if you tell them--plan on getting the cold shoulder for days or start looking in the employment section. Temps and contractors (floaters directly hired by Countrywide) get treated like *%^$ all the time. Their ONLY "benefit" is that they get to work WITHOUT benefits--you know, be grateful that you're working for Countrywide, period. All of the floaters I've worked with as a full-timer regularly quit.

If you need a**istance from HR--you'll win the lotto first. They are of no help whatsoever! If you ask them a question, they LOVE one-word answers...usually "no's". Some of those secretaries sarcastically treat you like an idiot behind the window.

I wish while I was sitting there (forever) waiting for an interview that someone would've shouted at me to run out of there. I guess you live and learn. I learned VERY quickly that no one should be treated like crap and feel stressed out BEFORE driving to work. Oh, and yes, I did read from another former employee about the number of defribillators in the building...it's ALL TRUE in Plano too! I've seen more of them than fire extinguishers! Gives you a HUGE indication of what it's like working there...

Here's the employee motto at Countrywide: the quality of work doesn't matter or how good you look doing it...if you don't produce ma**ive quantities of work in an impossibly small amount of time...take it from Mr. Trump, "You're Fired!"
Date: Thu 11/2/06 8:17PM
From: Double Flusher

Message: I am an employee of Countrywide and have been for years. Any story that you hear about how poorly they treat their employees is 100% accurate. Let me give some examples of what a pathetic company it is to work for.

1. If we miss our numbers because of VACATION or SICK, you will be written up. This very unethical practice is still in effect. One guy was written up for missing his numbers because he was getting MARRIED. Sme people will read this and go no way...trust me it is.

2. If you are sick on a MONDAY were were told we had better be in the hospital.

3. They cut our commission 54% in ONE day with zero discussion.

4. They FORCED us to work overtime, 6 days a week with no overtime, hence the cla** action lawsuit. Now that they have lost the suit, we were told that OUT OF FAIRNESS, THEY WILL GIVE US WHAT THEY DEEM FAIR FOR BACK PAY. It seems to me if they were doing something illegal, and were busted for it, they should be required to pay us what they owe.

5. They listen to your calls, and if you miss ONE word on a wrap up script, a notice will be sent to the top managers. Mind you, I have a 4 year degree from a very good university and very bright. Quite frankly, brighter than most CMD managers. Yet, we are literally treated like 12 year olds.

6. We were told when we were hired...IF YOU ARE NOT HERE FOR THE MONEY, YOU ARE WORKING FOR THE WRONG COMPANY. Why not just come out and say, we are total and complete a**es, horrible managers with zero regard for you or your family,and we will pay you more to make up for it.

7. The policy to not pay you for commissions on loans already FUNDED is so they can put pressure on people not to leave as they know they will forfeit money that they earned. Blatantly unethical.

I could go on and on. Countrywide's reputation as an uncaring sweatshop is well earned. How Angelo can look himself in the mirror each morning is mind boggling. I would be disgusted with myself if I owned a company and treated people so poorly. It is truly pathetic
Date: Thu 11/2/06 7:59PM
From: Margeret

Message: WORKED FOR COUNTRYWIDE FROM 2-1-01 TO 9-1-05, AT FIRST I WAS IMPRESSED BY THE COMPANY. PUT THEM LITTLE BY LITLE I SAW THINGS THAT BOTHERED ME. A LOT OF FAVORTISM STARTING WITH MY OPERATIONS MANAGER WHO BY THE WAY DOES NOT KNOW SHIT WHEN IT COMES TO PROCESSING OR MANAGEING PEOPLE. TO HER IT IS ALL ABOUT PASS ON THE BUCK ONE OF HER OPPERATIONS STAFF. I MUST SAY I WORKED MY ASS OFF AT COUNTRYWIDE LONG HOURS AND WEEKEND, YES I WAS PAID BUT I DID BECAUSE I HOPED TO ONE DAY BE REWARDED. BUT THAT DAY NEVER CAME INSTEAD THE HIRED A DUMB AS BITCH THAT WORKED FOR WAMU, AS A PROCESSOR AND THEM MADE HER A BRANCH OPS MANAGER TO A SATELITE OFFICE. THAT REALLY PROVED THAT THEY COULD GIVE A SHIT ABOUT ME AS A PERSON OR EMPLOYEE. TO BRING IN SOMEONE WHO DOES NOT KNOW SHIT BUT BECAUSE SHE KNEW SOME. YOU KNOW WHAT THAT OLD SAYING IT IS NOT WHAT YOU KNOW BUT WHO YOU KNOW. DON'T WORK AT COUNTRYWIDE HOME LOANS THEY SUCK ASS!!!
Date: Thu 11/2/06 7:02PM
From: Kay

Message:

I am currently employed by Countrywide and have recently experienced vile sexual hara**ment and financial abuse. I recently filed an HR complaint that resulted in my boss' termination. Thereafter, I was transferred for my "protection," given a position that I am lost in and did not want, and have been experiencing what I perceive to be (need to have my lingo legally appropriate) relatiatory actions on behalf of the management and executives.





I am in Southern California. I need to check with my lawyer to see if I can name the region in this forum.





I hate the company. I have been treated like a nothing and a plague. Everything the company does is with pretense and calculation. The game is being played by evil, narcissistic greed mongers. They place no value on human rights or suffering.





It seems to be common belief that the region is corrupt and just a good ole boys' club. I have heard that promotions and rewards are commonly believed to be based on long-term friendships, blackmail/bribes and (extramarital) sexual affairs. There seems to be quite a bit of evidence to support it; it just needs to be put together.





I was on a "privileged" team that virtually made its own rules and put a perverted, abusive non-supervisor in a supervisory role with me, after

(allegedly) having had notice of his past abusive behaviors. He acted as if he were above the rules, because the region had reportedly covered some of his past incidents from HR and even rehired him after he was fired by the parent company: Northwest Mortgage.





I have recently hired a lawyer to deal with executive management. I cannot say here, what it is that I seek; but we are wondering if there are any similar stories in the region that anyone can share. I specifically want to know about HLCs in supervisory roles, retaliation following HR complaints, the encouragement or discouragement of HR reporting, and any incidents that were minimized by higher-ups. My lawyer works on a contingency fee. I would never share names unless I had the express permission of the source. Even if someone can give me an idea of where else to look, it would be greatly appreciated. We'll do our own investigations. I want justice for others like me, and the company to face the consequences of their actions. I'm sticking around until it's done.



P.S. I totally agree with the previous post: CW's technology is a joke!!! The software is archaic in design and completely illogical to the user. Can't everyone see where their priorities really lie? On advertising and self-gratification! They are all about promoting an "image." Our regional VP just gave us a three hour-long seminar on how he became top producer by DECEPTION, such as making himself "Mortgage Banker of the Year," and interviewing HIMSELF for an article that he paid $5000 to publish!
Date: Thu 11/2/06 7:00PM
From: Kay

Message: No wonder the Vice Presidents hide in their private offices instead of going out on the floor where the workers are. They get scared when the PLCs ask them a loan question and they can't answer it nor will they take the time to find out. Just consult the loan program guidelene. What a joke. That's what your job is. It doesn't take much to get a VP title at Crappywide. There's hundreds of them. Mike Mathews is the most worthless VP of them all in AZ.
Date: Wed 11/1/06 5:38PM
From: Lance
Email: l0298@bellsouth.net

Message: Angelo Mozilo to Continue Leading Countrywide Through 2009

Now why would a gut who was going to retire at the end of this year all of sudden do a 180? Could it be that he may be nervous about his stock holdings?
Date: Wed 11/1/06 4:56PM
From: Lance
Email: l0298@bellsouth.net

Message: KB Home gets default letter because it hasn't filed 10-Q
Date: Tue 10/31/06 9:33AM
From: Susan
Email: S-Owens@aol.com

Message: Grilled Flank Steak

1 ( 1 1/2 lb. ) flank steak
1 ( 10 1/2 oz. ) can beef consomme
1 cup red wine
2/3 cup soy sauce
1/2 cup green onions
1 clove garlic, minced
2 Tbsp. lime juice
2 Tbsp. brown sugar

Trim excess fat from steak, pierce steak on both sides with a fork. Place steak in a large shallow dish. Combine remaining ingredients, stirring well. Pour over steak; cover and marinate in refrigerator 8 hours, turning occasionally. Drain steak, reserving marinade. Grill over medium coals 7 to 9 minutes on each side or to desired degree of doneness, basting with reserved marinade. To serve, slice steak across grain into thin slices. 6 servings.
Date: Tue 10/31/06 9:30AM
From: Kay
Email: K.Moran@aol.com

Message: Message: T-Bone and Sage Mushroom Sauce



1 2 lb. T-Bone steak, about 2 inches thick

2 T. olive oil

1 t. dried rosemary

1 T. cracked fresh black pepper

1 t. sea salt



Rub the steak with the olive oil. Rub in the spices and set aside for 30 minutes.



Preheat grill to high.



Sauce:

1/2 oz. dried mushrooms, any variety

1 1/2 C. boiling water

Soak the mushrooms for 20 - 30 minutes.

2 T. olive oil

2 T. fresh chopped sage

2 shallots chopped

4 oz. fresh shitake mushrooms

4 oz. button mushrooms

1/2 t. salt

1/2 C. heavy cream

1 T. sherry

2 T. fresh chopped parsley



Drain the mushrooms, reserving the liquid. Set the liquid aside. Squeeze mushrooms gently to remove excess water.



Heat the oil in a skillet over medium high heat. Add the shallots and cook for 30 seconds. Add the sage and and all of the mushrooms. Cook about 2 minutes and then add the reserved liquid. Cover and cook for 4 minutes.



Add the cream, salt and pepper. Simmer the sauce until it begins to thicken. Stir in the parsley and serve.



When you begin to make the sauce, throw the steaks on the grill and cook for about 8 minutes on each side for medium rare.



Serve the sauce on the side.



Serves 2 - 3
Date: Tue 10/31/06 9:28AM
From: Kay
Email: K.Moran@aol.com

Message: Message: Hearty Vegetable Soup

INGREDIENTS:
3/4 cup chopped celery
3/4 cup chopped onion
1 cup chopped carrots
1 (14.5 ounce) can diced tomatoes, drained
3 cups tomato-vegetable juice c***tail
2 cups water
1 leek, chopped
1 potato, peeled and cubed
1 (15 ounce) can peas, drained
1 (15 ounce) can whole kernel corn, drained
2 (15 ounce) cans garbanzo beans, drained
1 cup long-grain white rice
1 tablespoon soy sauce
1/4 teaspoon dried thyme
1/2 teaspoon ground black pepper
1/4 teaspoon garlic powder
1 teaspoon dried dill weed

DIRECTIONS:
In a large pot over high heat, combine the celery, onion, carrots, tomatoes, tomato-vegetable juice, water, leek, potato, peas, corn, beans, rice, soy sauce, thyme, ground black pepper, garlic powder and dill weed.
Bring to a boil, reduce heat and simmer for 30 minutes, or until vegetables are tender.
Date: Mon 10/30/06 9:12PM
From: jonny
Email: jonny2898@gmail.com

Message: Hey, brit and kar.......shut the phuck up. you barely got out of HS, and your 600 SAT scores weren't quite good enough to get into the higher education of DeKalb/Perimeter College. You two have the SAME brain length as the other two...........not too much activity in the brain waves, ya know. Just process the loans. That is all you are good for. Maybe, a BJ for DC/JS every now and then... but i heard that you two weren't to great at that type of performance either. No teeth, No teeth Ouch!
Date: Mon 10/30/06 9:17AM
From: Kay
Email: K.Moran@aol.com

Message: Hearty Vegetable Soup

INGREDIENTS:
3/4 cup chopped celery
3/4 cup chopped onion
1 cup chopped carrots
1 (14.5 ounce) can diced tomatoes, drained
3 cups tomato-vegetable juice c***tail
2 cups water
1 leek, chopped
1 potato, peeled and cubed
1 (15 ounce) can peas, drained
1 (15 ounce) can whole kernel corn, drained
2 (15 ounce) cans garbanzo beans, drained
1 cup long-grain white rice
1 tablespoon soy sauce
1/4 teaspoon dried thyme
1/2 teaspoon ground black pepper
1/4 teaspoon garlic powder
1 teaspoon dried dill weed

DIRECTIONS:
In a large pot over high heat, combine the celery, onion, carrots, tomatoes, tomato-vegetable juice, water, leek, potato, peas, corn, beans, rice, soy sauce, thyme, ground black pepper, garlic powder and dill weed.
Bring to a boil, reduce heat and simmer for 30 minutes, or until vegetables are tender.
Date: Mon 10/30/06 9:14AM
From: Kay
Email: K.Moran@aol.com

Message: T-Bone and Sage Mushroom Sauce



1 2 lb. T-Bone steak, about 2 inches thick

2 T. olive oil

1 t. dried rosemary

1 T. cracked fresh black pepper

1 t. sea salt



Rub the steak with the olive oil. Rub in the spices and set aside for 30 minutes.



Preheat grill to high.



Sauce:

1/2 oz. dried mushrooms, any variety

1 1/2 C. boiling water

Soak the mushrooms for 20 - 30 minutes.

2 T. olive oil

2 T. fresh chopped sage

2 shallots chopped

4 oz. fresh shitake mushrooms

4 oz. button mushrooms

1/2 t. salt

1/2 C. heavy cream

1 T. sherry

2 T. fresh chopped parsley



Drain the mushrooms, reserving the liquid. Set the liquid aside. Squeeze mushrooms gently to remove excess water.



Heat the oil in a skillet over medium high heat. Add the shallots and cook for 30 seconds. Add the sage and and all of the mushrooms. Cook about 2 minutes and then add the reserved liquid. Cover and cook for 4 minutes.



Add the cream, salt and pepper. Simmer the sauce until it begins to thicken. Stir in the parsley and serve.



When you begin to make the sauce, throw the steaks on the grill and cook for about 8 minutes on each side for medium rare.



Serve the sauce on the side.



Serves 2 - 3.
Date: Sun 10/29/06 11:07PM
From: Mark
Email: mark.cappello@yahoo.com

Message: http://excwinsider.com/?p=1#comments


Another site to make fun of Dumb and dumber. Love it!
Date: Sun 10/29/06 9:59PM
From: Kim
Email: K.Moran@aol.com

Message: http://messages.finance.yahoo.com/mb/CFC

See what investors say about CFC around the country.
Date: Sun 10/29/06 6:10PM
From: Mike
Email: mark.cappello@yahoo.com

Message: Left: August 15, 2006 By: Get 'em In: New York

I am a former CHL employee. I worked their for 10 years. When I started work there I loved it. CHL was a progressive and state-of-the-art company, industry leader and pioneer in the mortgage business. I worked hard and made a lot of money. There were terrific managers throughout the company, including Joe Anderson who ran the retail division (CMD). In 2000 CHL decided it needed to hire loan officers and become a more traditional lender. That is when the company started to sour. Someone else posted a story to this site about Brian Hale. I always felt that Brian Hale was the beginning of the end for CHL as a great place to work. I was no longer important, only the numbers I produced. And the numbers were never high enough (even though I won awards as a top producer). More more more was all they wanted.
In regards to the rates and fees - CHL had the highest interest rates in my market. They were, by far, higher than any other lender or broker - it was almost a joke. How could I be successful, or my branch be successful, if I couldn't compete. "That is not an acceptable excuse" is what I was told.
CHL started their own in-house vendor management company, called Landsafe. We were mandated to order from Landsafe - all credit reports, appraisals, flood certs, title, etc. The appraisal fees went from $225 (ordering direct from the local appraisal companies) to $390 ordering through Landsafe. C
Date: Sun 10/29/06 11:01AM
From: jonny
Email: jonny2898@gmail.com

Message: They have been given an ultimatum to improve R18 over the next 6 month or they are gone. CR told them there was WAT too much turnover in the region with LO's, staff, and branch managers. Over 120 people's lives were disrupted by them.

Why else do you think they paying people to stay? You should get in the soup line for your share.
Date: Sun 10/29/06 9:50AM
From: Marcus
Email: mc@msn.com

Message: Kinda like R-18?

Left: July 20, 2006 By: countryfiredchick@hotmail.com In: san diego, ca

bridgegirl24@yahoo.com has very enlightening info on this sc**bag company. We have been able to exchange valuable info. Sharing makes the pieces of the puzzle fit together and exposes the pattern of CW's unethical/illegal ways of dealing with complainants. The John Bianchi region retaliates against complainants, with the facilitation of HR/ER -- period. In my best estimate, a cla** action will be formed soon, to deal with one or all of the following: compensation, hara**ment/retaliation and overtime. There are a bunch of us who have legal representation now: lawyers on contigency fees!

I am a current employee, dealing with CW's HR and Legal. I have reported ethics and legal violations to the General Counsel and Chief Ethics Officer. I have also just reported to government agencies and I hear the press will be calling anyday. I was mercilessly sexually hara**ed and financially abused, transferred and "promoted" against my will, have NEVER received an accurate paycheck, and am being denied transfer out of the region that I have reported fraud on. I can verify 100% that bridgegirl was a CW employee, taken advantage of in many of the same ways. I can't even begin to describe the pain inflicted on my family and myself, by this CRIMINAL company! There is asolutely NOTHING that CW can honestly say about my job quality or effort. I have never been reprimanded, never been fired and
Date: Sun 10/29/06 9:44AM
From: marcus
Email: mc@msn.com

Message: Your next..........see ya!!!

Date: Fri 10/27/06 8:10PM
From: former employee
Email: mwade88@hotmail.com

Message: The Fort worth office was shut down today. They laid off pretty much the entire building and advised they will be closing the building also soon. To those employees that worked there for the right reasons you are in my prayers and you will definitely do better elsewhere. To the Managers and staff that id all the dirty work and I can get real specific with doc**entation if need be I hope you get interveiwed by a CHL homeowner who you tried or did screw over. How will answer the question when they ask what you did while at the company I am certain your lying skills may come in handy
but will be short lived you will figure out what I mean soon enough. Best wishes

Date: Sat 10/28/06 7:29PM
From: TONY
Email: tjee22@yahoo.com

Message: hello
Date: Sat 10/28/06 9:30AM
From: jonny
Email: jonny2898@gmail.com

Message: A) 144 not 282. But 282 people are just as PO'd as we are. The beef is not with CHL, the staff or LO's. Do you think you could forget if you were lied to, and accused of falsehood's? We have all moved on to new company's and are happy but yes, I admit, we would all be much happier if our group(144&282) were still together. Forget and give up?. Nope, not in our personalities.

B) Why would a CHL employee be reading this site, anyway? This site allows former CHL to blow off some steam. I thought current CHL employeees were not allowed to be on this site?

We truly wish all of the current staff and LO's the very best. For a few of the people that wronged many, many, many former long term employees.......well we just gotta scrape the s...t off the bottom of our shoes
Date: Fri 10/27/06 10:44PM
From: jonny
Email: jonny2898@gmail.com

Message: Great managementAfter the close of the market, KBH reports another default claim by bondholders. It's already offering a cash payout to some bondholders so that they hold off on declaring default. One default can often trigger others. My comment for CFC regards the company's joint venture with KB Homes in the mortgage origination business. How would a ratings cuts affect the jv? Who knows, but a mortgae business cannot handle questions about its debt ratings.

"Standard & Poor's and Fitch Ratings said they might cut their ratings on Los Angeles-based KB Home.

The fifth-biggest builder postponed its third-quarter report, saying it had not concluded its review of stock option grants. The delay triggered a notice of default on some of KB's debt.

The rating firms are concerned that the delay will lead to additional claims of default. Both S&P and Fitch rate KB's senior unsecured debt BB-plus, one level below investment grade."

...........ha
Date: Fri 10/27/06 10:04PM
From: cindy
Email: nicewe22@yahoo.com

Message: Why are they still there??? JS DC seems they know more than you do. Come on a year pa**es without 282 and they still have there jobs. Whats up with that.
Date: Fri 10/27/06 2:49PM
From: jonny
Email: jonny2898@gmail.com

Message: I hear S. Bergeron was fired last week. Hopefully, D,J, and Z are next
Date: Fri 10/27/06 2:34PM
From: jonny
Email: jonny2898@gmail.com

Message:































































































































































































































































































































































































































































































































































































































































Date
Left: August 21, 2006 By: Ouch In:

• 32.6% of new mortgages and home-equity loans in 2005 were interest only, up from 0.6% in 2000

• 43% of first-time home buyers in 2005 put no money down

• 15.2% of 2005 buyers owe at least 10% more than their home is worth

• 10% of all home owners with mortgages have no equity in their homes

• $2.7 trillion dollars in loans will adjust to higher rates in 2006 and 2007.


These numbers sound preposterous, but the reasoning behind them is worse. Lenders have encouraged people to use the appreciation in value of their houses as collateral for an unaffordable loan, an idea similar to the junk bonds being pushed in the late 1980s. The concept was to use the company you were taking over as collateral for the loan you needed to take over the company in the first place. The implosion of that idea caused the 1989 mini-crash.

Now the house is the bank's collateral for the questionable loan. But what happens if the value of the house starts to drop?

The answer, at least from banks, is already clear: Float the loans. The following figures are from Washington Mutual's annual report: At the end of 2003, 1% of WaMu's option ARMS were in negative amortization (payments were not covering interest charges, so the shortfall was added to principal). At the end of 2004, the percentage jumped to 21%. At the end of 2005, the percentage jumped again to 47%. By value of the loans, the percentage was 55%.

Every month, these borrowers' debt increases; most of them probably don't know it. There is no strict disclosure requirement for negative amortization.

This financial system cannot work; houses are not credit cards. But WaMu's situation is the norm, not the exception. The financial rules encourage lenders to play this aggressive game by allowing them to book negative amortization as earnings. In January-March 2005, WaMu booked $25 million of negative amortization as earnings; in the same period for 2006 the number was $203 million.




Left: August 18, 2006 By: your name In: your city

Well, it appears that nothing has changed in the last year. More bs, more ruined lives, SOS. What's next? Oh yeah, and why are they still here? Just curious.

Left: August 18, 2006 By: To the two WIMPS In: Atlanta

Why I trusted the ASM, I will never know. This guy lies, lies, lies. You can tell when he is lieing because stuttering rate increases. The bigger and more of lie, the faster the stuttering. He told me when they rehired me that I would never have to sit at the front desk, ever. I would be the internal with the opportunity to become an EHLC. Well guess what? Within 3 months I was back at the front desk, and now I 'am getting RIFed. Are these guy's bullshit artist or are they just plain stupid? I can't figure it out. They will tell you whatever you want to hear, and the whole time they are trying to figure out how to get out of the lie. Why in the world would a Fortune 500 company hire two guys who can't even tie there own shoe. I don't even think they have earned their GED. The RVP has lied so much to so many people, he has have his little puppy dog go do his evil deeds. What a wimp of a man.

Left: August 18, 2006 By: Ding Dong In: Atlanta

Well, ding and dong are at again. A recent Lo at CHL resigned, and when she received her HR letter, she ripped these two bozos a new one. So much that HR actually called her to go over the book she wrote about these two IDIOTS. She asked why they have not got rid of these two because before they came, Region 18 was awesome, and HR responded by saying " we know but we have just written Region 18 off....it is a loss leader for us". When she got to her new company, she asked some people that used to work for the branch manager(DC) and loan officer(JS) what they thought of them. They started laughing, and they said that they practically ran BM into the ground. My only thought of why they were hired at CHL was that PB was tring to get back at Brian Hale. She knew these two were idiots who would totally F.....up the region. Well.....she got her wish. How many good, quality, honest, loyal employess have gone through the revolving door? 200? 300? If I was at CHL i would rethink who I work for. The WORST story I have heard so far is JS making a certain 66 year grandmother cry. This Mother F....cker tried to fire this wonderful, nice, kind, honest, warm woman 2 weeks before she was to make her 5 year mark and receive her pension. Well, the dumb f...k called HR to do his deed, and they told him he needs to hold off because CHL will get their ass sued. This boy, and I mean BOY, is a complete PIG who destroys peoples lives with no regard to a human being's feelings. DC and JS your day is coming, and when it does, there will be about 400 people sitting and laughing as you mother F...ckers go up in flames. Hey, D...heads, did you know everyone in the mortgage banking communtiy know about you two ding dongs....Dixon and Charlie at wells laugh at your names, chase laughs even though you two interviewed there because the heat at CHL was getting a little too hot, and your bud gets the job......boy that tells you alot. STB hates you. HB won't even entertain the thought. ATM CEO tells me what morons you are........sh..t the list goes on and on and on. Your CURRENT employess talk about what dweebs you are. It is one thing to be stupid, which you are. it is another thing to be stupid and think you are cool and rico swauve. You two are pretenders. and you gig is about to be up.

Left: August 17, 2006 By: Future In: Atlanta

SunTrust (770) 551-4100

Left: August 17, 2006 By: In:

Offices across the country being raided, audited, and then shut down.

Left: August 16, 2006 By: Wells Fargo In: Alpharetta

Countrywide Pulls on the Reins
CEO Adopts Cautious Stance:
'I've Never Seen a Soft Landing';
Rival Wells Fargo Is Riding On
By JAMES R. HAGERTY
August 8, 2006; Page C1
Angelo R. Mozilo, chief executive of Countrywide Financial Corp., the U.S.'s biggest home-mortgage lender, rarely misses a chance to remind people that he has been in the business for more than 50 years. Now he has a sobering message for investors about the near-term outlook for housing and mortgages: Buckle your seat belts.
"I've never seen a soft landing in 53 years," Mr. Mozilo told analysts in a conference call last month.

To minimize shocks, Countrywide is tapping on the brakes as the housing market cools and competition among lenders intensifies. This more cautious stance follows a growth spurt that increased Countrywide's annual home-mortgage lending to $491 billion last year from $66.7 billion in 2000.
The second-largest home lender, Wells Fargo & Co., shows no sign of slowing. If current trends continue for another few quarters, Wells may regain the No. 1 mortgage spot it lost to Countrywide two years ago.
Countrywide's fans take Mr. Mozilo's warning as a comforting sign that he won't chase growth at the expense of profit. "It's entirely appropriate to have a little more caution" on housing, said Mark R. Patterson, a managing director of NWQ Investment Management Co. Los Angeles-based NWQ, which has about $32 billion under management, holds a stake of more than 4% in Countrywide, according to NWQ's most recent regulatory filing. Mr. Patterson added: "Countrywide has demonstrated through many cycles that they can handle hard times as well as good times."
Bears counter that the less-aggressive stance confirms that investors should be wary as Countrywide struggles to slash costs in a slowing market. In any case, Mr. Mozilo's bucket of cold water should serve as a warning that the housing market could take more than just a few months to rebound.
House prices are leveling off in many areas and edging down in some. "How low are they going to go?" Mr. Mozilo asked during the conference call. "It's hard to tell. But the trend is down."
That means fewer home loans and more defaults. Home-mortgage originations will total between $2.4 trillion and $2.8 trillion this year, down from $2.9 trillion in 2005, Countrywide projects. They probably will decline again in 2007, Mr. Mozilo said.
The 67-year-old Mr. Mozilo has thrived in all kinds of cycles since he became a messenger for a Manhattan mortgage company at age 14. In 1969, he and a partner founded Countrywide. Since then, he has cultivated a legion of fans among investors. Mr. Mozilo said the long-term future for the U.S. mortgage and housing industries remains "extremely favorable." But the ride has been choppy of late.
Countrywide shares closed at $36.91 yesterday in New York Stock Exchange composite trading, up 8% so far this year but down from a 52-week closing high of $42.46 in May. Wells stock closed on the Big Board at $72.38, up 15% this year. The two companies aren't true peers. Wells is a broadly based banking company, which derives about a fifth of its earnings from home mortgages. Countrywide owns a fast-expanding bank but is almost entirely focused on mortgage-related business.
Countrywide shares trade at about 8.3 times estimated per-share earnings for the next four quarters, compared with 14.4 for Wells, according to Thomson Financial. That largely reflects the lower value Wall Street puts on mortgage operations. Countrywide's market cap is $22.42 billion, compared with $121.04 billion for Wells.
In the second quarter, home-loan originations at Countrywide fell 3% from a year earlier to $118 billion. At Wells, they rose 36% to $116 billion. Countrywide's market share slipped to 14.6% in the first half from 15.7% for all of 2005, according to Inside Mortgage Finance, a trade publication. Well's share rose to 13.7% from 12.6%.
"They've put their foot on the accelerator," Mr. Mozilo said of Wells.
Countrywide lost market share because it reduced purchases of loans made by smaller lenders, a business known as the "correspondent" channel. Mr. Mozilo said aggressive buying by Wells and other big banks drove profit margins too low in correspondent lending.
Wells said its goal is "controlled, profitable" growth in market share. "No. 1 market share could well be an outcome, not necessarily a goal in and of itself," the bank added.
Countrywide is still gaining market share in direct, or "retail," lending to consumers, Mr. Mozilo said.
Competition may get tougher. Wall Street firms, including Lehman Brothers Holdings Inc. and Bear Stearns Cos., are emerging as bigger rivals in home-mortgage lending, expanding beyond their business of creating and trading in mortgage securities. "They don't know anything about the mortgage business, which makes them a dangerous competitor," Mr. Mozilo said. These firms "have no hesitation about paying two or three times what we would pay personnel because they're used to the big bucks."
Representatives of Lehman and Bear declined to comment.
The risk of rising losses on defaults is another worry. Robert Lacoursiere, an analyst at Banc of America Securities in New York, has had a "sell" rating on Countrywide for the past year, partly because he worries that a rise in dud loans will hurt earnings. Mr. Lacoursiere argues that Countrywide's loan-loss reserves aren't as high in relation to potential losses as those of some rivals -- a point denied by Countrywide.
(Mr. Lacoursiere doesn't own stock in Countrywide. Banc of America Securities, a unit of Bank of America Corp., has done investment-banking work for Countrywide in the past 12 months.)
One reason for concern: Countrywide has heavily promoted pay-option adjustable-rate mortgages, known as option ARMs, a type of loan singled out by regulators for closer scrutiny. These loans give borrowers several payment options every month, including one that is less than the interest due. If borrowers choose that option, the balances of their loans grow. Eventually, that can lead to a big leap in monthly payments due. Option ARMs account for 45% of loans held as investments by Countrywide's banking division.
Countrywide says it has been careful to give these loans only to borrowers with relatively strong finances. Still, the test of these loans will come when borrowers face "resets" to higher monthly payments, Mr. Mozilo said during the conference call. "I'm not sure exactly what will happen then," he added.
Write to James R. Hagerty at bob.hagerty@wsj.com1

==


Left: August 16, 2006 By: Whoa, Nelly In: Roswell

BOSTON (MarketWatch) -- It is becoming increasingly obvious that financial advisers, real estate experts and parents will someday point to what is happening in the mortgage market today and use it as a cautionary tale of what can go wrong when a buyer stretches to get too much house during a market that seems invincible.
Real estate has been booming in most markets over the last five years or longer, fueled by interest rates that reached four-decade lows and by consumers who used new mortgage products to extend their buying power. Many home buyers stopped worrying about buying a home and instead worried about their ability to pay for one; rather than shopping for a deal that allowed for a lifetime purchase, they looked for a mortgage that allowed them to buy the most home for the lowest current payment.
So long as rates stayed low and housing prices continued to move up strongly, that strategy was a good one. And those things kept happening, so that homebuyers ignored the warnings issued by many mortgage experts about what would happen when times changed.
Well, times have changed.
The popularity of adjustable-rate mortgages means that nearly 25% of all outstanding U.S. mortgage debt is due for an interest-rate reset within the next two years, according to Economy.com, a Web site run by Moody's Corp. Some $400 billion in loans will get a new rate this year, and another $2 trillion are set to move in 2007.
Those moves won't be pretty. Just two years ago, the prime rate stood around 4%; today, it is more than twice that. As a result, payments on some ARMs will double too. The current forecasts from a number of experts have defaults on those loans increasing by 10%.
"There is no apples-to-apples comparison from the kind of mortgage someone could get a year ago and what they can get today," said Anthony Hsieh, president of LendingTree.com. "As rates rise on adjustables, there are steps people can take to reduce the sticker shock, but they're probably not going to be too happy with what they have to swallow now. ... They had a 42-year low in mortgage rates, but they were more concerned with how much they would have to pay each month than how much they could afford and buy a home reasonably."
Plenty of bad news
For someone who purchased a home using an ARM -- or taking advantage of some of the attractive teaser rates that were available over the last few years -- there is plenty of bad news if they need to refinance now.
Obviously, that starts with current interest rates. Moving to a 30-year fixed-rate mortgage now means looking at rates north of 6.5%, and the longer a consumer waits, the bloodier that transition is likely to be.
But if the house was purchased recently -- and with the ARM keeping payments low -- there hasn't been much equity build-up; if the home is in a market that is now cooling down, the owner's equity is further impaired.
"People were gambling that their income would get to a point where it was high enough to pay for the home at some point," says Greg McBride, senior editor at Bankrate.com. "They also were gambling that the market would help them build enough equity that they could refinance if they needed to. Now they may need to, and those gambles aren't paying off."
Some of those consumers will become default statistics. Others will have to downsize, or change neighborhoods, in order to get a mortgage that is more affordable.
There's a problem with that "smaller house" strategy too, at least in markets where prices are on the decline. A homeowner who put little down and who built little equity -- and who lives in a market where prices are on the decline -- may find that a small step back is not sufficient to actually cut mortgage payments.
How bad is it?
McBride suggests that consumers who are facing adjustable-rate sticker shock should try to determine now just how bad the movement might be. From there, they can decide if it's time to make a change so that they don't get slammed.
Many adjustable-rate mortgages include annual and lifetime caps on the interest rate that can be charged, so homeowners may not see the full impact of sharply higher rates immediately. A 2-percentage-point annual cap is fairly common.
To see how bad an adjustment hit might be, consumers should look at their mortgage paperwork to see when the reset occurs, the rate that the mortgage is tied to and then the margin that is used for the adjustment.
The Libor rate, for example, has moved from roughly 4.2% a year ago to about 5.6% today. A mortgage that is pegged to Libor plus two percentage points, therefore, will adjust up to about 7.6%.
A homeowner looking at that kind of rate could refinance into an average fixed-rate deal and be better off.
Says McBride: "There is still time to get off the tracks before the train gets closer, but people need to act now. A 7% mortgage today beats an 8% refi a few months from now.
"People's choices are only going to get uglier, and plenty of people are on their way to trouble. ... For everyone who has avoided this trouble, they're going to look back someday -- when their kids are looking for a mortgage and are tempted to stretch too far by using an ARM -- and have stories to tell about how they saw a time when everything that could go wrong with that strategy did go wrong."
Chuck Jaffe is a senior MarketWatch columnist. His work appears in dozens of U.S. newspapers.



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Left: August 16, 2006 By: Hmmmmmmmmm In: Macon

Builders hit the brakes
Latest reading of housing starts, permits shows more of a slowdown than expected as builders continue pull back in once hot sector of economy.
By Chris Isidore, CNNMoney.com senior writer
August 16 2006: 11:10 AM EDT


NEW YORK (CNNMoney.com) -- The closely watched home building market showed more signs of trouble Wednesday as a report showed builders slowed their pace of housing starts and building permits fell more than expected in July.

Housing starts came in at an annual pace of 1.795 million, according to a Census Bureau report, down from the 1.84 rate in June, which was revised lower. It is also less than the forecast of 1.81 million of economists surveyed by Briefing.com.



Current Mortgage Rates

Type Overall avgs


30 yr fixed mtg 6.08%
15 yr fixed mtg 5.80%
30 yr fixed jumbo mtg 6.32%
5/1 ARM 5.82%
5/1 jumbo ARM 5.97%

Find personalized rates:


Building permits, seen as a measure of builder confidence, fell to an annual rate of 1.747 million from a 1.869 million pace. Economists had forecast a decline to 1.84 million.

The declines are even more substantial from year-earlier levels, with housing starts down 13 percent from a year earlier and permits off nearly 21 percent. Permits hit a record high in September 2005, while starts reached a seasonally-adjusted record in January of this year.

The slowdown is important because home building has become an important component of the U.S. economy. The Labor Department estimates that more than 3 million people work directly in residential construction, and that the sector was responsible for about 10 percent of the nation's overall gain in employment in all of 2005.

But the sector has already trimmed nearly 25,000 jobs since January, according to Labor Department figures, and the slower housing starts and permits suggest even more slowing is ahead.

That slower outlook is also confirmed by a survey of members by the National Association of Home Builders released Tuesday that showed builder optimism sank for a seventh consecutive month in August to its lowest level in 15 years.

And a number of publicly-traded home building firms have cut their forecasts for new homes, revenue and earnings in recent weeks.

Builder Toll Brothers (Charts) said the current slump in residential construction is unlike any it has seen in 40 years, with a glut of new homes on the market causing the slowdown rather than the typical reasons for a slump - a rise in interest rates or downturn in employment.

A separate report from the Census Bureau showed that in June the supply of homes completed and available for sale stood at 132,000, a record level and 28 percent above year-earlier levels.

While the slowdown in housing starts and permits further hit builders' results, it could be good news for the industry if it helps to cut into the supply of homes available for sale.

But the slowdown in real estate has economic implications beyond builders' finances and payrolls.

Home price appreciation has been a key driver in household wealth, and the cooling real estate market could also cut into consumer spending, as home owners are no longer able to tap into their home equity to finance their spending.

Wednesday's housing starts report is just the latest sign that the white hot real estate market of 2005 may already be in a recession.

On Tuesday, the National Association of Realtors reported that more than one real estate market out of three has seen prices fall from highs of the last year. That trade group had earlier said that housing has switched from a "seller's market" to a "buyer's market."

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Left: August 16, 2006 By: usukdick In: atlanta

Left: August 15, 2006 By: In:

The "power players" are at it, again. Try looking people in their eyes when you fire 'em, it makes you look more Donald Trumpish.

Left: August 16, 2006 By: Deborah In: Savannah

I've heard there are some in "issues" in the Savannah branch.

Left: August 15, 2006 By: Panzer's In: Deutschland

Hey you two crotch heads..........here is something for you to chew on. This is what we used to have, and you two destroyed it. Look whatcha ya got now. DUD-HEADS! Sleep tight sweet princes, for tomorrow you shall be cleaned out.

By Jeffrey Pfeffer, Business 2.0 Magazine
August 15 2006: 9:03 AM EDT


(Business 2.0 Magazine) -- The editors have identified the Best business ideas in the world, which will appear here in a series throughout the next month. Check back daily for updates

About the same time that the "Da Vinci Code" was hitting theaters in May, I was camped out at a university in Barcelona, discovering some of the lesser-known secrets of Opus Dei, the Catholic society at the center of the book and movie's byzantine plot.


More from Business 2.0
Management tips from Opus Dei

Software's big fight over small business

How to build a startup out of nothing


Fastest Growing Tech Companies
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No, I didn't see any albino monks, cilices, or dead bodies. I was merely on sabbatical for three weeks at IESE, a leading Spanish business school founded by Opus Dei in 1958 as part of the University of Navarra. And the only thing I observed was great management.

For starters, IESE recently placed fourth among the top executive education programs in the world, according to rankings by the Financial Times. Unlike many European business schools, which have tried to mimic the U.S. model, IESE is intentionally different, with a greater emphasis on ethics and values both in the curriculum and in how it is run.

During my visit, dozens of faculty and staff members talked to me about what a great place IESE is to work because of its caring culture. Few were devout Catholics and even fewer were members of Opus Dei.

Noble sentiments
Then, when my wife came down with severe ear pain from flying with a cold, Jordi Canals, IESE's dean, arranged a difficult-to-get appointment with an ear specialist, got a taxi to take her to the appointment, and paid for everything, no questions asked.

Why a caring culture makes sense for IESE is pretty apparent: Emphasizing the long term, the school is interested in the personal transformation of its students and building closer relationships with them, and is willing to make the difficult economic trade-offs to convert noble sentiments into reality.

The school caps enrollment in its senior-level programs at 35 students, a remarkably low figure compared with most American schools. Forty percent of the alumni are alumni association members, even though Europe has less of a tradition of private philanthropy and provides fewer tax advantages for giving.

There are big lessons in this for U.S. companies, which have long resisted allowing more of their workers' lives inside their boundaries. Our CEOs pay lip service to the importance of both customer and employee loyalty, but they frequently overlook the importance of personal relationships and connections, and rarely consider the idea of doing more for people than what is formally expected.

Take, for instance, U.K.-based Innovation Group, a 1,000-employee, publicly held insurance software company. During the 1990s, executive board member Ed Ossie rebuilt MTW - now a subsidiary - increasing sales from $8 million to more than $40 million in about four years.

During this same time, annual employee turnover fell from an industry-typical 30 percent to just 4 percent. Ossie credits much of that to a culture of community he built among employees.

It began with the hiring process: As their partners started work, spouses would receive flowers and a note welcoming the family to the company. Every social function included family members too.

And because software implementation and consulting involve a lot of travel, the company offered "road warrior" concierge services and gifts to recognize employees' sacrifices. All of these small but important functions helped strengthen relationships and add to a sense of being one big happy family.

The lesson in all of this?

That success is derived less from "best practices" than from the values and beliefs of the leadership. You can copy methods and programs easily enough. But a way of thinking that creates deeper ties is much more difficult to duplicate.

Business 2.0 columnist Jeffrey Pfeffer is the Thomas D. Dee II Professor of Organizational Behavior at Stanford University's Graduate School of Business.

_________________________


Left: August 15, 2006 By: Uh oh In: Atlanta

HELOC volume going up....robbing Peter to pay Paul. Tapping into the remaining equity to pay higher credit cards, higher first mortgage 'cause they adjusted and can't get out. I guess this why banks and lenders want to get into the real estate business. They will be owning a lot of property here pretty soon so they want recoop some of those loses by saving on the realtors commission. They see it coming!
NEW YORK (MarketWatch) -- Countrywide Financial Corp. (CFC : Countrywide Financial Corp.
CFC said Wednesday its mortgage fundings in July fell 19% from year-ago levels, to $36 billion. Monthly purchase volume in July was $17 billion, compared to $21 billion in July 2005. Year-to-date purchase activity fell 3%, to $119 billion. Adjustable-rate loan fundings for the month of July were $17 billion, a 27% drop from July 2005. Home equity loan fundings for July rose 4% in July from a year ago, the company said.
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Left: August 15, 2006 By: In:

http://www.marketwatch.com/News/Story/Story.aspx?guid=%7B272ACE2B%2D2050%2D4A7C%2DAA49%2DB5F5F683C827%7D&source=blq%2Fyhoo&dist=yhoo&siteid=yhoo

Left: August 15, 2006 By: Sara In: Winder

Have you all heard what is going on in Atlanta and Savannah? This could get interesting. I will keep you posted as the information is given to me. It seems to be building, for sure

Left: August 15, 2006 By: Sunshine In: Chatsworth

I agree.......just go look at the cfc message board on yahoo.com business. wow!

Left: August 15, 2006 By: Whoop there it goes, whoop there it goes In: Valdosta

The S & L crisis of the 80's, the corporate raiders and junk bond traders of the 90's, now the residential mortgage market crisis for the 00's. Could get crazy........values dropping, rates going up, adjustables adjusting, new construction not selling and stacking up, helocs doubled up, no equity in properties, fraud, foreclosures on and on. Yes, Chicken Little, the sky is falling.

Left: August 15, 2006 By: In:





Left: August 13, 2006 By: DUH In: Atlanta

What the hell are these two doing? Do they realize that experienced, high producing branches and loan officers are what makes the wheel go around. Where did these guys get their business acumen............certainly not an accredited university. I've got a feeling they think Capstone is "higher learning". God help the remaining employees who will get the shaft in the next few months. Talking about a revolving door........these two invented it.

Left: August 13, 2006 By: Losers In: Atlanta

Yep!, Tweedlee Dumb and Tweedlee Dumber are back at it, AGAIN! D & J are the two WORST managers I have have ever personally witnessed. You do NOT know how to make business happen, even if lands on you laps. You two wreck peoples lives with your irresponsible, high school, management style. Lets face it, you two are LOSERS who need to be FIRED, NOW!!!!!!! We are going to help push it along for you. Cretain phone calls and e-mails WILL be made on you behalf

Left: August 12, 2006 By: The two liars In: Atlanta

Wow!12 months, and 282 destroyed. Way to go boys.............real winners.

Left: July 27, 2006 By: Ellen In: GA

Yes, it's true Countrywide sucks! My experience is that they don't care at all about customer service--just collecting fees, even from good customers.

Left: July 26, 2006 By: bc In:

Apparently, Countrywide is an expert at figuring out ways to get money through extra late fees. I've never submitted a late payment in my life, but they managed to collect an extra $2.00 recently--all because they decided to stop sending me statements without notifying me or getting permission from me. So because they got their two dollars, I would like to find a way to make sure they never get my business again. Sure, I can refinance, but how can I make sure that the loan is not immediately sold to them again? This is the second time a mortgage of mine has been sold to them. The first time, they paid taxes on the wrong property in the first year, and it took me a year to get it straightened out. They also miscalculated the property tax for two years, and then expected me to give them more than $2,000 at once to make up for their mistake. I told them how much I would pay and that they could accept that or foreclose---they finally agreed to my terms on that issue. Don't do business with these people. Something is wrong at that company.

Left: July 12, 2006 By: In:

if you were a past employee or current one who was wronged by this company please email me for help and to share and join together... bridgegirl24@yahoo.com

Left: July 08, 2006 By: In:

Everyone go to the press and tell your story, write them, write the editors and call the radio shows. It is the only way to get it out. Let the world know what scum this criminal company is. Give me one person who has complained and had the company thank them and admit they found something....damn scum, GO TO THE PRESS!!! The lawyers their are scum, Iam an ex-employee and speak from truth, numerous employees crushed when they have complained of stuff, numerous customers crushed when they complained, dared to sue, go get lawyers etc..don't call the press, write them and tell them the scum at cwide and their actions, its the only way.

Left: June 26, 2006 By: Linda In: Metro Atlanta

We had a loan with Countrywide for 12 years. What we found very confusing was the lack of communication from the local branches and the big corporate locations in other states. If you are considering a loan with CHL you need to understand that the right hand does not know what the left hand is doing. If you have a problem I think they play tennis with your file folder and bat your file from state to state just to drive you nuts.My story is actually almost humorous if it wasn't dealing with someones emotions and integrity. After 12 years of being a homeowner we sold our home, retired while still young enough to enjoy life and moved to the lake. Three years ago we moved back to the metro Atlanta area to an apartment.We received a letter from CHL recently stating we could get a loan for 300K. I wasn't really looking for a house to buy but since CHL wanted us back I looked around. I found a place for 138 K that felt right. CHL led us to believe we could get the loan so we put a contract on the house and thought all was well. They turned us down for the loan because we did not owe any bills. The owner sold the home to the next guy the day we were denied a loan.I called another CHL branch locally the same day just for fun and got a loan approval that same day I was turned down. How can one branch deny a loan the same day another one gives you an approval ? Because it is a company with too much money and no ommunication.Do I want to go back to CHL and sign a contract on a house and have everyone think I am approved and denied in the same day ? NO... You should have seen the look on the agents face when I told him I had a denial at 3 PM and an approval at 7 PM the same day.As far as I am concerned no one works at this company and I think they are trying to go out of business.Wonder how long they will play tennis with my file ?
May I suggest that you deal with a local company who want to win in customer service and not win the worst service in banking award.Check out other lending resources to get a loan from or you will be sorry.Ain't nobody going to be happy with CHL they do not know or care about you.Do I want to be jerked around fall in love with a little house and have it jerked from me because of poor communication? NO ...is a complete sentence.

Left: June 26, 2006 By: Linda In: Metro Atlanta

We had a loan with Countrywide for 12 years. What we found very confusing was the lack of communication from the local branches and the big corporate locations in other states. If you are considering a loan with CHL you need to understand that the right hand does not know what the left hand is doing. If you have a problem I think they play tennis with your file folder and bat your file from state to state just to drive you nuts.My story is actually almost humorous if it wasn't dealing with someones emotions and integrity. After 12 years of being a homeowner we sold our home, retired while still young enough to enjoy life and moved to the lake. Three years ago we moved back to the metro Atlanta area to an apartment.We received a letter from CHL recently stating we could get a loan for 300K. I wasn't really looking for a house to buy but since CHL wanted us back I looked around. I found a place for 138 K that felt right. CHL led us to believe we could get the loan so we put a contract on the house and thought all was well. They turned us down for the loan because we did not owe any bills. The owner sold the home to the next guy the day we were denied a loan.I called another CHL branch locally the same day just for fun and got a loan approval that same day I was turned down. How can one branch deny a loan the same day another one gives you an approval ? Because it is a company with too much money and no ommunication.Do I want to go back to CHL and sign a contract on a house and have everyone think I am approved and denied in the same day ? NO... You should have seen the look on the agents face when I told him I had a denial at 3 PM and an approval at 7 PM the same day.As far as I am concerned no one works at this company and I think they are trying to go out of business.Wonder how long they will play tennis with my file ?
May I suggest that you deal with a local company who want to win in customer service and not win the worst service in banking award.Check out other lending resources to get a loan from or you will be sorry.Ain't nobody going to be happy with CHL they do not know or care about you.Do I want to be jerked around fall in love with a little house and have it jerked from me because of poor communication? NO ...is a complete sentence.

Left: June 18, 2006 By: Truth Commission In: USA

THIS IS IN RESPONSE TO "JOE D" and his worthless post on June 11, THIS IS FOR ALL PRO-CW AND ANTI-CW READERS.

You don't seem to get it.

For many years Countrywide HAS BEEN #1 in customer service. But guess what? Countrywide is soon to be a HAS BEEN.

I know all this because I had just recently quit Countrywide to work for another mortgage company.

Countrywide didn't use move operations over to India, BUT NOW they do! That will be bad for customer service.

COUNTYWIDE IS NOW TOO CHEAP TO KEEP UP ON ITS COMPUTERS AND COMPUTER SYSTEMS. When I worked there, computers froze up at least 5 times a day, and application information was always getting erased.
That is why the number of customers complaining about payments has been increasing in the last few years.
That is why it is now taking Countrywide 30 to 40 days to close a loan. Also because Countrywide now has a lot of untrained, inefficient, and disorganized underwriters and processors. (Countrywide may now also be too cheap to hire an adequate staff)
That is also why payoffs and other items are now coming out wrong.

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

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

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

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

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

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

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

You will not keep others from reading the previous posts.


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

Hey jerkoffs..CW ia a member of the S&P 500, Fortune 500, and #1 in customer satisfaction..this website's sole purpose is to drive business to US-Home Loans.com...get a life you stupid a**holes...


Left: May 23, 2006 By: Pissed Off In: Atlanta

We purchased a home and was talked into a line of credit also on the home. The loan officer said it would be a good idea to have a line of credit in case of a emergency. The first year renewal bill came due and I paid it even though we never did use the line of credit. The second year renewal bill came in and I called Countrywide to cancel out the account. They told me that I would have to pay the renewal amount before they could close out this account. I explained to them that we never used the line of credit and that I didn't want to renew. They told me that I would have to pay this or they would report this on my credit report. I will never use them again for a loan of any kind.

Left: May 19, 2006 By: 282 In: atlanta

DN get a job!!!!!

Left: April 27, 2006 By: In:

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------



Left: April 27, 2006 By: In:

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------



Left: April 27, 2006 By: In:

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------



Left: April 27, 2006 By: In:

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------



Left: April 27, 2006 By: In:

Left: April 14, 2006 By: In:

yea, then you have thr fag, homo Zach paarot. can you believe a women who acts like he is straigt, metro man man, who says he is married to a female. However, he visits "gay clubs" so hr can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit...do us a favor and suck some AIDS infected faggo and die all lonely.

--------------------------------------------------------------------------------


Left: April 14, 2006 By: in your face In: atlanta

Poor John st st st st st st eele. Good dude that follows the WRONG homo, Doud Casbon. Wake up !!!!!!!!!!!!!!!!

--------------------------------------------------------------------------------


Left: April 14, 2006 By: m In:

A profile/ biography on the characters of Reg.18, Div, southeast:



1) Charlie Rogers - a man who started his career at JPMorgan Chase as some stud who graduated high school in his class as class magna cum laude. too bad, that this stud of studs was fired from chase for 3 Three claims of sexaul harassmenr. Then he goes and marries a 24 yr. old ding dong processor (Sweet charlie is 53..loser fuck puss wad). this pussy of a man (woman) can only deal with young, unknowing young females, that he he doesn't realize that he he is really a homo man.



Doug " yes, i'am a total loser/liar, andf i really have a hard time looking people in the eyes ' cause i lie Casbon. Oh go smoke a joint you fucking PUSSY!!!

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Mothers Against Bad Managers ( MABM) In: Macon

I hear the interviews have started. Does anyone know the companys they are interviewing with ? We would like to give them a heads up. Thanks.

--------------------------------------------------------------------------------


Left: April 12, 2006 By: Sha-na-nah, sha-na-nah In: hey, hey good bye

The music is over, and all the chairs have been taken. What ya gonna do, fellas?

--------------------------------------------------------------------------------



Left: April 16, 2006 By: In:





Left: March 26, 2006 By: djz In: atlanta

of course these buffoons did not know they were being used as pawns in phyllis' chess game with "fat ass" hale. they thought they had b.s.d their way to glory. well guess what? phyllis out smarted hale, rogers, casbon, steele, and little zachy-poo because the s.e. division and region 18 is crumbling all around these golfing, beer drinking, girly chasing ( not zach..he's gay) fry heads. i wonder what company going to hire these guys w/such a bad, bad, bad reputation on the streets. the word is out on these boys, and we continue to tell as many people we can . probally some unsuspecting company like wamu, and the spiral downward will start for them.

Left: March 25, 2006 By: td In: atlanta

why do you think they hired that big breasted idiot as the regional builder manager. the girl is a moron who can't even tie her shoe much less land a builder account. these guys think with the wrong head. they need to go away ! fuck heads.

Left: March 25, 2006 By: ds In: savannah

does anyone know doug and john wifes names and their home address. i would like to send them a letter about the indecent behaviour they had when with me when they were in savannah. i hate these pigs and i think their wives should be alerted about how they act and talk to women when they are away from home.

Left: March 24, 2006 By: In: atl

i'm sure phyllis knew what she was doing but did doug, john and zach know they were pawns in her checkmate? and now that they have ruined most of the region, their guarantees are up, atlanta is neck deep in fraud, and cw is out of the market in pricing, what's next? do they have a plan? where does the train stop?

Left: March 24, 2006 By: td In: atlanta

phyllis totally burned brian hale by hiring charlie rodgers, doug, john and zach. she knew they would totally screw up the division and region. guess what? she won her battle with parting shot at him because these guys have run the CHL name and reputation into the ground. everyone i talk to in the mortgage/real estate business ask me what happened over there? you guys use to be so good to work with now it is a mess.

Left: March 23, 2006 By: pin heads In: atlanta

what a bunch of monkeys ! doug, john, and zach need to move to western kentucky where they would fit right in with the other inbreds.
L O S E R S extordinare.

Left: March 22, 2006 By: td In: atl

here is another great move. give your lowest producing loan officer a guarantee base of $ 5,000 per month for 4 months. (the most this low producer has EVER made in a month). so he makes this free money while he babysits the remaining novare closing...then guess what ? on to suntrust. who needs comedy central ? just watch these reg. 18 guys go to work. wow !

Left: March 21, 2006 By: td In: atl

zach parrott - a gay man living a straight life. has been seen at homo functions by the gay attorney upstairs. totally underqualified for the his postion. was hired by doug and john, and they ca,t get rid of the bitch. his arrogant little ass fired the best talent because they were sooooo much smarter the he could even hope to be in ten years. his inferiority complex got the best of him so he had to fire anyone who was smarter then him otherwise people would find out his ineptitude. not hard to do ! he is a disgusting piece of crap that should be flushed into the atalant sewer system where he belongs.

Left: March 21, 2006 By: td In: atl

john st st st steele - doug's whipping boy. currently is a loan officer running his business with his glorified p.a.. he then writes a check to her on the side. this is against company policy , and i'am sure that john does not 1099 her or does she report the money as income. irs anyone ? likes to chase the girly's, also. other junior l.o.'s are paid "on the side" sounds like a no-no to me.

Left: March 21, 2006 By: td In: atl

doug casbon - a loan officer who lied his way into the rvp postion. the only reason he was hired was that phyllis buckelew wanted to get back at brian hale. by having doug at the helm of the titantic she played her cards right with the troubles these fellas brought to reg 18. this womanizing pot head can't look people in the eye. enough said.

Left: March 20, 2006 By: scott In: atlanta

hey call me up so i can get some free money. i hear the boys are just giving the house away before they take their circus act to some other unsuspecting company and destroy some more lives. i and everyone else that has left 282 are telling EVERYONE we know in the mortgage industry about this gang of clowns. i hope they get to feel the pain. bad karma !

Left: March 20, 2006 By: In: atl

What would be the point of that?

Left: March 19, 2006 By: In: Atlanta

Why don't any of you have the balls to use real names here???

Left: March 17, 2006 By: worthrepeating In: atl

oh, the brain power in region 18. get rid of a top producing manager along with some high producing loan officers. then put a loan officer with zero management experience into the old 282 manager's position. couple it up with a 6 month guaranteed salary, and you have a recipe for disaster. well guess what ? the timer on the oven has gone off, and the manager (?) has run off to another company along with half of his little juniors. now 282, with maybe 3 l.o.'s and 1 processor left, is really cranking the numbers out.

so lets recap....1 year ago the branch was turning in 120k to 145k PROFIT each month. today the branch pays out money just to exist in buckhead, and has not been in the black since august. what backwards trade school did these reg 18 managers go to? FUCKING DUH, DUH,DUH, DUH DUH, DUH, DUH, DUH.



Left: March 17, 2006 By: In:

http://www.ripoffreport.com/

search: countrywide

You will be appalled

Left: March 16, 2006 By: js In: atlanta

doug casbon cannot look anyone in the eye.

Left: March 13, 2006 By: IsThatSo In: GA

I've read thru all of these posts and I am very interested in what happened at this Atlanta Branch. When is all the chit gonna hit the fan? I'm ready to hear all the sordid details of what the EEOC and Feds are gonna do.

The posters are talking in codes, if you are going to discuss it, let us know what's going on. Who is the branch manager? Who went to Suntrust and took the entire branch with them? Has anyone informed the wives of the philandering husbands? Two-Words, anonymous letters. This will make a great Lifetime movie...especially once the really gay guy kills the person who is outing him before he wants to be outted...all kidding aside, give us the real dirt. TIA.

Left: March 13, 2006 By: js In: atlanta

do other low producing loan officer's receive 5k,6k, 7k for 4 months of guaranteed forgivable commissions so they will stay at CHL? if i were at another branch (other than 282) i would hit 'em up for my piece of the pie. this would give you enough time to interview/move to another company all the while you are having an income stream.

Left: March 11, 2006 By: In: atlanta

the former manager of 144 started ALL of this crap, and took everyone down with her. what a piece of shit that needed to be flushed down the toilet a long time ago. damn upper and their slow response to firing this scuz bucket.

Left: March 10, 2006 By: ROXANNE HUGHES-NELSON In: GEORGIA

MY CREDIT IS RUINED DUE TO COUNTRYWIDE STATING THAT I HAD A LATE PAYMENT WHEN CLEARLY MY HOME WAS SOLD THE SAME MONTH THEY CLAIM IT WAS LATE. AS USUAL THEY SEEM TO ALWAYS TRY TO CHARGE A LATE FEES IN ORDER TO GET EXTRA MONIES. I WOULDN'T USE COUNTRYWIDE HOME LOANS FOR MY DOG AND I DON'T OWN A DOG. IF I WAS A KATRINA RESIDENT AND NEEDED A HOME AND THEY OFFERED ME THE ONLY LOAN, I WOULD CHOOSE TO LIVE ON I-10.

Left: March 10, 2006 By: In:

Yeah, most employees who weren't 282 employees didn't like 282 employees. Guess that's still the case. Oh well.

Left: March 09, 2006 By: In: Atlanta

Everyone in 282 was the biggest bunch of dumbasses I have ever met! I hope they all rot!

Left: March 09, 2006 By: In:

Advice to Ms. Peace in Kennesaw. 1. Always make a note of who you talked to, when you talked to them, and in what manner (email, phone, fax, etc.) when you contact CHL. This MAY help you if you ever have to file a class action. 2. Always assume that it will NOT be CHL's fault -- they do not accept blame whatsoever, so even if a mistake is made they will not ever admit it or apologize. The responsbility will always be yours which it may or may not actually be, but always expect it to be your responsibility. For instance, say you mail your payment and it's lost in the mail -- it's your responsibility. Most people accept this fact but CHL will NEVER take into account your history with them or that you've been a good customer. They do not care. It just isn't EVER their fault. Got IT? 3. You have no recourse. It's your home and they know it. You will do what they want and pay what they want because you don't want to lose your home. Don't expect any sympathy -- if they didn't have any for the Katrina victims they certainly won't have any for you. 4. Don't expect GOOD customer service. CHL treats their employees like cattle. They don't pay them well (at least the ones you'll deal with) and they make it very clear that they should feel fortunate that the "great Countrywide" employed them. Since they don't treat the employees well the employees don't feel the need to treat the customers well. Your best bet is to ask for a new employee -- they'll try the hardest because they haven't been beat down by the CHL regime. 5. You might want to move out of the Atlanta area if you want to continue with CHL. Over the last year they've lost or fired all of the employees, including the management that cared about the customers. There is no way to get decent service in Atlanta right now. So, keep calling the customer service # which goes to Plano, TX and pray for a new employee who hasn't lost their helpful nature yet. That's the best bet you have. Good luck.

Left: March 09, 2006 By: Kimberly Peace In: Kennesaw

OH MY GOD!!! Now I really am afraid!! I am also a potential victim of CHL. My mortgage was sold to them by another lender and before I was even informed of the change, some woman with CHL sent me a letter (NOT on company letterhead or with anything WHATSOEVER telling me who she might be or who she worked for) telling me that I was to supply her with all my homeowner's insurance information. Because I had no clue who she was or why she was asking me for this, I tossed the letter. As far as I knew, my mortgage was with another company and I was paying into escrow. The next thing I got was a letter from my prior lender telling me that my mortgage had been sold. Then CHL sends another letter with a statement telling me that they had applied thier own insurance to my mortgage and in addition to the escrow account I was being billed for, there was an additional charge of 1024.00. There was also a "fees due" charge of 60.50. This amount was not added in to the payment, but was made note of on the statement, which makes me wonder if they are folding that into my mortgage and when I go to refinance, if I'm going to be hit up with these "fees due" charges. I called and sent an letter to CHL. They told me that it was my responsibility to provide them with my insurance provider information, even thought I have never been asked to do this for any of the other lenders that purchased my mortgage. I did this, of course, with the original lender. As for the "fees due", no one could tell me what it was and assured me it would be removed. It took 6 months before they stopped putting this charge on my statements. Two months after they purchased my mortgage, they jacked up my escrow account. I have homestead exemption on my home and they refused to see this until I had sent them numerous faxes and letters as well as making phone calls. Then they insisted that even with the lower taxes, they were still going to raise my escrow account so I would have a "CUSHION". I've been told that my surplus in the account will be refunded to me next year. I'll believe this when I see it. The people there were complete idiots, treated me like crap, and still managed to raise my monthly payments. I'm ready to refinance now, and I'm afraid of what I'm going to be facing with CHL when they send my new lender the payoff. How much hell will I have to go through before I'm done with these horrible people????? I'm ready to join any CLASS ACTION LAW SUIT that may exist!!! Please add me!!
Kimberly Peace
kimpeace@att.net

Left: March 03, 2006 By: mba In: atl

hmmmm, lets see... have the majority of all of your most productive branch leave then phone them up,and try to hire them back by throwing $$ at them. then try to maintain the ones you have by throwing cash at them. these guys must have graduated manga sum laude from the university of dumbass. jeeeeezzzzz!

Left: March 02, 2006 By: In:

Newman - take off the sunglasses

Left: March 01, 2006 By: confused In: atl

huh? you mean destroying the branch wasn't the objective? what was then?

Left: March 01, 2006 By: In:

282....way to go boys! 12 months past and the ENTIRE branch has been destroyed. what the f...?

Left: February 28, 2006 By: In:

WHOA! have they got you snowed :(

Left: February 28, 2006 By: A & E Cordero In: Newnan, GA

Countrywide is an excellent company that understand and will bend over backwards for their customers. Do not blame your criminal credit history on a banker that deny you.
Countrywide wants their customers to keep their home.
Sincerely,
A very satisfy customer.

Left: February 24, 2006 By: In:

slime slithers in the lowest places. at least it is gone from countrywide.

Left: February 23, 2006 By: In:

Do you kiss your mother with that mouth?

Left: February 23, 2006 By: The first T In: Atlanta

The Johns who work/worked in Region 18 should be given a reprieve...one is dead and the other has a son,who is injured. Come on, folks, give the nastiness a rest. If you have something constructive to add, do it...but the animosity is pointless.

Left: February 22, 2006 By: t In: atlanta

doesn't he have enough health problems? chill out on him j.s. he means well, i guess.

Left: February 22, 2006 By: In:

oh yea....just the reaction i was looking for. people who feel no guilt do not get so upset. proof , oh yes. weak!!!

Left: February 22, 2006 By: JS is a jack off!! In: Atlanta

Hey JS in Atlanta - Fuck you!!
I'll tell you what fuck-stick - I'll be right here waiting with you when the "us attorney's office" comes and brings down the hammer on all those Novare foreclosures. You're a stupid fuck!! - If you're going to post on here, let me give you some advice you fucking water head. Ready, you swinging fucking dick? KNOW WHAT THE FUCK YOU"RE TALKING ABOUT OR SHUT YOUR FUCKING PIE-HOLE!! Go back to your little fucking chat rooms and your 13 year olds who might actually believe the fucking horseshit you spew from that gaping fucking hole in your head you stupid fucking cocksucker!!!


Left: February 22, 2006 By: JS is a jack off!! In: Atlanta

Hey JS in Atlanta - Fuck you!!
I'll tell you what fuck-stick - I'll be right here waiting with you when the "us attorney's office" comes and brings down the hammer on all those Novare foreclosures. You're a stupid fuck!! - If you're going to post on here, let me give you some advice you fucking water head. Ready, you swinging fucking dick? KNOW WHAT THE FUCK YOU"RE TALKING ABOUT OR SHUT YOUR FUCKING PIE-HOLE!! Go back to your little fucking chat rooms and your 13 year olds who might actually believe the fucking horseshit you spew from that gaping fucking hole in your head you stupid fucking cocksucker!!!


Left: February 22, 2006 By: JS is a jack off!! In: Atlanta

Hey JS in Atlanta - Fuck you!!
I'll tell you what fuck-stick - I'll be right here waiting with you when the "us attorney's office" comes and brings down the hammer on all those Novare foreclosures. You're a stupid fuck!! - If you're going to post on here, let me give you some advice you fucking water head. Ready, you swinging fucking dick? KNOW WHAT THE FUCK YOU"RE TALKING ABOUT OR SHUT YOUR FUCKING PIE-HOLE!! Go back to your little fucking chat rooms and your 13 year olds who might actually believe the fucking horseshit you spew from that gaping fucking hole in your head you stupid fucking cocksucker!!!


Left: February 22, 2006 By: JS is a jack off!! In: Atlanta

Hey JS in Atlanta - Fuck you!!
I'll tell you what fuck-stick - I'll be right here waiting with you when the "us attorney's office" comes and brings down the hammer on all those Novare foreclosures. You're a stupid fuck!! - If you're going to post on here, let me give you some advice you fucking water head. Ready, you swinging fucking dick? KNOW WHAT THE FUCK YOU"RE TALKING ABOUT OR SHUT YOUR FUCKING PIE-HOLE!! Go back to your little fucking chat rooms and your 13 year olds who might actually believe the fucking horseshit you spew from that gaping fucking hole in your head you stupid fucking cocksucker!!!


Left: February 20, 2006 By: In:

i hope they go after those nasty people from 144!

Left: February 19, 2006 By: ja In: dallas

i believe there is new legislation being passed by congress that addresses mortgage fraud as one law. currently, the novare people would be slapped by wire fraud, mail fraud, etc..

Left: February 18, 2006 By: In:

i've heard about that, also. i'd hate to be in their shoes when the hammer falls.

Left: February 16, 2006 By: In:

i'd buy front row tickets to that investigation

Left: February 16, 2006 By: js In: atlanta

no doubt...what a bunch of user losers! their day will come, and it won't be pretty. wait till countrtywide finds out about all the fraud this bunch committed on the novare account. the forclosures are just beginning in novare propertys, and so is the u.s. attorney's investigation.

Left: February 14, 2006 By: In:

... and js, dc, and zp.

Left: February 14, 2006 By: j.s. In: atlanta

144 + j.g. = a winning combination of slackers for s.t.. all they need is d.n. to complete the circle of loser's club.

Left: February 13, 2006 By: In:

wow! the difference one year makes. to think it all started with jg 1280. hmmmmmmmm

Left: February 13, 2006 By: In:

car 282, car 282, where are you ?

Left: February 13, 2006 By: In:





Left: February 13, 2006 By: js In: atl

144 with jg @ suntrust = a winning combo ! at least these leeches are no longer with a national player in the market.

Left: February 13, 2006 By: In:

Call the Better Business Bureau.

Of course Countrywide's not a member.

They think they are so big they are above everybody
and they dont have too.

Let the BBB give them a black listing so the
next fool doesn't fall for their line - *nobody can do what Countrywide can do to you*.

Left: February 12, 2006 By: Linda Messer In: Williamson

wE HAVE A HOME LOAN BUT CHECK THIS out. our HOUSE WAS HIT BY A TORNADO Our insurance PAID BUT COUNTRYWIDE would not sign the check WE HAD TO ENDORSE IT AND SEND IT TO THEM 3 WEEKS LATER WE STILL HAVE NO MONEY TO FIX OUR HOUSE HAVE SPENT OUT OF POCKET AND CAN'T EVEN GET THAT BACK DO NOT GET A HOME LOAN FROM COUNTRYWIDE!!!!!!! RUN RUN RUN THEY HAVE OVER $20,000 OF INSURANCE MONEY WE CAN'T TOUCH AND OUR HOUSE IS GETTING RAINED ON

Left: February 10, 2006 By: In:

COUNTRYWIDE is NOT an E.O.E. and does NOT conduct business in a drug-free work environment.

Left: February 09, 2006 By: In:

good luck in getting paid. the pussy ass management of reg. 18 is so worried about bending over for pennies on the ground that dollars fly right past them. they can only see what is good for themselves for maybe, and mean maybe, three months down the road. you are not dealing with very bright, forward thinking managers here. don't you think everyone who has left, except maybe a pusswad ass kiss like jg, is trashing the hell out of 'em. L O S E R S

Left: February 09, 2006 By: dumb, dumber, dumbest In: aka: doug, john, zac

oh, the brain power in region 18. get rid of a top producing manager along with some high producing loan officers. then put a loan officer with zero management experience into the old 282 manager's position. couple it up with a 6 month guaranteed salary, and you have a recipe for disaster. well guess what ? the timer on the oven has gone off, and the manager (?) has run off to another company along with half of his little juniors. now 282, with maybe 3 l.o.'s and 1 processor left, is really cranking the numbers out.
so lets recap....1 year ago the branch was turning in 120k to 145k PROFIT each month. today the branch pays out money just to exist in buckhead, and has not been in the black since august. what backwards trade school did these reg 18 managers go to? FUCKING DUH, DUH,DUH, DUH DUH, DUH, DUH, DUH.

Left: February 09, 2006 By: In:

Imagine being a current employee and everyday you come to work you are being threatened with your job and when they fire you or you quit they keep the pay you already have earned.

Left: February 08, 2006 By: In:

Imagine being a current and/or former employee and unable to get paid for monies owed...how many good folks are out there?

Left: February 08, 2006 By: In:

Countrywide's executives defy logic like when Spock said, "the good of the many outweighs the good of the few, or the one."

Lazy Countrywide executives even defy their own fundamental behaviors asserted in their own corporate culture statement. Anyone who has worked there knows,
THEY ARE NOT
Open and Honest
Customer Focused
Advocate of Ideas
Continuously Improving
Committed
Adaptable
Visionary
Driver
Professional
Loyal
Solutions Oriented

These are nice ideals but CW only gives lip service to while fat lazy executives drop the hammer and harass workers to work harder with less rewards.

Testimony of customers on this website attest to the fact that their CW culture is a bunch of corporate crap.


Left: February 08, 2006 By: In:


**As for the 282 rumor, seems that it is true...yet a few more long-term employees felt compelled to resign...wonder why?

Left: February 07, 2006 By: In:


**As for the 282 rumor, seems that it is true...yet a few more long-term employees felt compelled to resign...wonder why?

Left: February 07, 2006 By: In:

anyone got a W-2 for last year yet???

Left: February 07, 2006 By: In:

well, well, well what is good for the goose....

Left: February 07, 2006 By: In:

Oh geez, I used to work for THEM too!! lol

Left: February 07, 2006 By: In:

BOYCOTT HOME DEPOT!!!
February 3, 2006

The Home Depot(R), the world's largest home improvement retailer, today announced the appointment of Angelo Mozilo, 67, chairman and chief executive officer of Countrywide Financial Corporation, to the company's board of directors.

Left: February 05, 2006 By: In:

the latest rumour at 282 is that the bm and sm are about to resign. any truth ?

Left: February 03, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN

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

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

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

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

No one can screw you like Countrywide can.

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

Improper Home Charges

Read then File a complaint

www.zimmreed.com



Left: February 03, 2006 By: In:

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: February 03, 2006 By: In:

exit interviews from processors can be very revealing.

Left: February 03, 2006 By: In:




Left: February 03, 2006 By: x-p.o-processor In: exit interviews are nasty

282: the place where an investor loan becomes a "2nd home" mortgage

Left: February 03, 2006 By: loser In:

brian hale is such a big, fat, lard ass, turd he clogs up the toilet when people try to flush him.

Left: February 03, 2006 By: In:





Left: February 03, 2006 By: In:

exit interviews from processors can get ugly.

Left: February 03, 2006 By: In: plano

282: the place to get the 2nd home condo mortgage.

Left: February 03, 2006 By: In:






Left: February 03, 2006 By: In:

you know...what is good for the goose is good for the gander. sleep well.

Left: February 02, 2006 By: In: Atlanta

To the individual who posted on 1/27 and stated:
"chl #282 will do ANYTHING to close a Novare loan". Would you please explain this statement? Thank you.

Left: February 02, 2006 By: In: Atlanta

To the individual who posted on 1/27 and stated:
"chl #282 will do ANYTHING to close a Novare loan". Would you please explain this statement? Thank you.

Left: February 01, 2006 By: In:

Make this page mean something

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 29, 2006 By: former slave In: the Dirty Dirty

I've got my life back. CHL and DN drained that life out of me for 3+ years.... Have faith current employees... THERE IS LIFE AFTER COUNTRYWIDE!! WooHoo!

Left: January 28, 2006 By: In:

homebanc pays top dollar for the rankings. go pray to jesus, pat. hypocrite!!!

Left: January 27, 2006 By: In:

Fortune 500 or not, HomeBanc is #14 on the list of 100 -- Countrywide (which SUCKS) did not make it. Check the list.

14 HomeBanc Mortgage 9 Small 1,342



Left: January 27, 2006 By: In:

Scroll way down for responses. Countrywide Jagoff doesnt want you to read this board.

Left: January 27, 2006 By: In:

chl #282 will do ANYTHING to close a novare loan. tick-tock the witch is dead!!

Left: January 27, 2006 By: In:





Left: January 27, 2006 By: In:

uhh, i don't think homebanc would be considered a fortune 500 company.

Left: January 27, 2006 By: In:

Including HOMEBANC

Left: January 27, 2006 By: In:

READ THE ARTICLE DUMBASS. CHL is NOT one of the top 100 but Quicken Loans is along with a half dozen other mortgage lenders.

Left: January 27, 2006 By: In:

keep on drinking brian hale's kool-aid!!!

Left: January 27, 2006 By: In:

yea, right...and how many $$ in advertisements did chl have to pay fortune for that ranking ? wake up, moron!!

Left: January 27, 2006 By: In:

FORTUNE 100 BEST COMPANIES TO WORK FOR - 2006

http://money.cnn.com/magazines/fortune/bestcompanies/full_list/

It's interesting the Mortgage/Banking Companies that DID make this list but NOT Countrywide Home Loan SUCKS.

Left: January 26, 2006 By: CLARK In: ROME

Well I see many of stories,I guess mine is no diffent.They want me to send them a cashier ck.To repair what has happen.I guess I AM SCREWED FOR SURE,THEY WILL CASH IT AND I STILL HAVE MY PROBLEM RIGHT WE WILL SEE!!!!!!!!



Left: January 26, 2006 By: A FREIND TO ALL AND A FORMER CW EMPLOYEE In: ATLANTA

YEA TO ALL OF YOU PAST AND PRESENT THAT HAVE SURVIVED ALL OF THIS. WILL SEND A NOTE TOMORROW TO ALL OF YOU. WE WERE ALL THE BUILDING BLOCKS OF CW, WHEN THERE WERE JSUT 8 OF US IN 1996 THAT HELPED CW BECOME WHAT THEY ARE TODAY. THE HUNDREDS AND THOUSANDS OF HOURS THAT TOOK TO BUILD THE FOUNDATIN OF THE CW HOME. NONE OF US GOT THE LOFTY TOWERS THAT WE HELPED BUILD FOR THE CURRENT ?????? WHAT ARE THEY? WE WILL EVER KNOW? I AM SURE THEY WILL KNOW WHEN THEIR GURANTEES COME UP AND WE ARE ALL GONE? IT WAS LIKE BUILDING A HOUSE FOR HOMELESS PEOPLE??

THANKS TO EVERYONE AT CW FOR THIER PART IN MAKING IT SO GREAT AND A TESTIMONY TO WHAT IT WAS. THANKS SO MUCH. THE LAST PERSON THAT SENT OUT A THANKS AT THE END OF THE MONTH FOR REGION 18 WAS pHYLLIS. TAKE CARE CURRENT REGION 18 GUARANTEE EMPLOYEES THAT TOOK EVERY ONE ELSE FOR GRANTED WIL HAVE THEIR DAY. THANKS AGAIN TO EVERYONE



Left: January 25, 2006 By: In:

WTF is wrong with Countrywides upper management that they let the lower middle manager VPs screw with the producing loan reps so much that they leave? Out the door! I'm not saying fired, I'm saying see you Later cuntrywide asshole managers, I resign! Come on now - 3 guys closing 10 million a month walking and Countrywide doesnt give a shit cuz they think they'll just get 10 more people to replace the loan production.

What kind of corpo culture allows that? One that's all talk and lip service while in reality it's ALL BULLSHIT.

And blame upper management. they dont come out of the outhouse smelling like a rose because they know this is going on and let it continue to go on. Isn't it amazing how the high turnover rate at countrywide doesn't include the fuckoff managers? Hmmmm. . . .

Left: January 25, 2006 By: get your resume out In: atlanta

pipeline buy-outs, anyone ? believe it or not but other mortgage lenders actually VALUE people who bring business in the door. what a concept....the more the l.o. makes the more upper management makes. i guess this concept only works if upper management plans on staying and building something. looks like CHL's management style is to pump a big signing bonus, have a nice salary for two years, wrecking havoc on region 18, then moving their juvenile circus act to another desperate lender. short term thinkers make short term money. f..king losers! errrrrrrrrr!!!!!

Left: January 24, 2006 By: In:

Yeah, end of the month Paycheck coming - gotta get that last paycheck because if you quit now they keep your pay you already worked for last month. DIRTY LOUSY THIEFS!

Then leave without notice - you'll be unrehirable but who cares to go back to that sweatshop.

Left: January 24, 2006 By: jkd In: atlanta

word is that a 3rd is leaving next week. wow!

Left: January 23, 2006 By: word up In: the atl

2 more employees of br282 resigned bringing the grand total of forced resignations/terminations/voluntary resignations to 26 in less than 1 year. hmmmmmmmmmm??????

Left: January 20, 2006 By: danny In: glen

thanks roy for contact information, I was ready to go to court about the fees. now I can sit back and smile.
thanks for sharing.

Left: January 20, 2006 By: roy In: tampa

Notice: Must Read
Sweat Shop Employees www.gdblegal.com
Appraisal Overcharges www.sherlocklegal.com
Wrong Doings www.jameshoyer.com
www.ripoffreport.com
file your complaint

Left: January 19, 2006 By: In: Atlanta

OH GOOD GOD!

Left: January 16, 2006 By: In:

I'm surprised it took this long but it was definitely inevitable. Prior management was working way too hard to hold 282 together due to poor management decisions on the part of the *VP's. And for what? We all can see how much THAT was appreciated. Why should it be any different now? If anything, I'd imagine it's worse.

Left: January 16, 2006 By: In:

282 is falling apart due to neglect. dc and js need to wake up! otherwise, all the original 282 employees will leave. it is already beginning to bleed.

Left: January 13, 2006 By: In:

Not true. Many good friends and good people are left behind. Pray for them.

Left: January 12, 2006 By: M In: Atlanta

Only idiots work for Countrywide.

Left: January 09, 2006 By: In:

t - sorry for all the fools from 12/30 onward. that was not me blogging....just some mini minds playing games. give me your mobile and i will try to help. r

Left: January 08, 2006 By: In:

T is out of this nonsense.

Left: January 08, 2006 By: In:

I am sorry that you have so much anger...I would think that you you want "backup"-but it seems that you just want to be combative.

Left: January 08, 2006 By: T In: Atlanta

I am the idiot? Take your anger out on those who deserve it-you never even chose to get to know me.

Left: January 06, 2006 By: In: Atlanta

T,
You're an idiot with nothing better to do.

Left: January 06, 2006 By: In:

Just the local butthead troll

Left: January 05, 2006 By: In:

Very professional response to a professional and honest request for assistance.

Left: January 04, 2006 By: In: atlanta

NO I will not help you DUMBASS

Left: January 04, 2006 By: T In: Atlanta

I am a FORMER employee-not TB. Help me out with a name or number or don't-I have grievances.

Left: January 04, 2006 By: In: atlanta

Who's crazy? TB is!

Left: January 01, 2006 By: T In: Atlanta

R. I don't have your cell phone number. I think that you may believe that I am someone else who was/is employed by Countrywide-I did work there for years and I do have issues.

Left: December 30, 2005 By: In:

t - give us a call and i can put you with the right attorney. you've got my cell. r

Left: December 29, 2005 By: T In: Atlanta

I am here, again. I am "curious" but I am also looking for more information...I may not be 'entitled' to it but I have a reason for asking...and I have asked, repeatedly, in a professional maaner. I have my own issues and I was hoping that this blog could assist me. I didn't mean to annoy the bloggers (TB/RS and whoever else)...I don't want to irritate the writers but I would like to know who to contact.

Left: December 29, 2005 By: In:

Foti investigating complaints against Calif. mortgage company
12/29/2005, 6:07 p.m. CT
The Associated Press

BATON ROUGE, La. (AP) — The state attorney general's office is investigating a California-based mortgage company following complaints that the firm has taken too long to release insurance money meant for Louisiana residents whose homes were damaged by hurricanes.

The company, Countrywide Home Loans Inc., issued a statement acknowledging the delays but blaming them on the high volume of insurance claim checks required after Hurricanes Katrina and Rita. The number of checks overwhelmed the company's system, the statement said.

"This created unfortunate and unusual delays to some of our customers for a period of several weeks," the company said.

Over a dozen formal complaints have been filed with Attorney General Charles Foti's office, alleging that Countrywide has received insurance money meant for homeowners needing to repair their homes, but held on to the cash for an unreasonable amount of time, Foti spokeswoman Kris Wartelle said.

Many such insurance checks require a signature both from the homeowner and the mortgage company before the homeowner can receive the cash. One Louisiana homeowner told investigators that Worldwide held his $111,000 in insurance payments for more than a month, forcing him to produce $50,000 to pay contractors repairing his storm-damaged home, Wartelle said.

The Countrywide statement said the company has caught up with the flow of checks, which "are now being processed in a timely manner."


Countrywide is a subsidiary of Calabasas, Calif.-based Countrywide Financial Corp.

Left: December 28, 2005 By: In:

Well it seems like the class action suit also circumvents their arbitration paper. No more work the day after Christmas since the holiday fell on your day off. No more working on your days off for free.

Left: December 27, 2005 By: In:

i spoke to the lead attorney for the HR department for a fortune/forbes 100 company who was visiting my parent's home over the holiday. i explained the entire scenario playing out with the former employees of reg.18 and CHL. she said that her company has a fire at will policy and an arbitration policy so the company is protected on certain aspects with former employees. however, she said that if the EEOC is taking the case on, then there must be something serious. for what it is worth.

Left: December 27, 2005 By: In:

T, it seems to me that if you have to ask that question that you don't need to know. What is your purpose for asking? Pure curiousity? If you have a legal issue there are other places to do your research rather than this site. No offense meant.

Left: December 27, 2005 By: T In: Atlanta

I do not want to argue with the bloggers on this site. I just want to know if there is any basis to the issues raised regarding Region 18. I don't wish any ill-will towards the writers...I am simply looking for the truth. No offense meant.

Left: December 27, 2005 By: T In: Atlanta

I do not want to argue with the bloggers on this site. I just want to know if there is any basis to the issues raised regarding Region 18. I don't wish any ill-will towards the writers...I am simply looking for the truth. No offense meant.

Left: December 23, 2005 By: In:

please see: california, dec 22, current employee, los angeles.

Left: December 22, 2005 By: In:

Well isn't that special. CHL has employees sign the no sue arbitration, fire at will, paper before employment but that doesn't bind the gov't from looking into their unfair labor practices.

There is no progressive discipline at CHL no matter how much they tout there is. CHL Punishment is arbitrary and capricious and mgmts best brown nosers get away with a lot more than those pushed out to the streets. Job performance be damned, you can be a 5 million dollar person per month and get your walking papers. They'll just bring in 4 more people to replace you because they can.

Unless your at the top strata of the pyramid, CHL is a terrible place to work for.

Left: December 21, 2005 By: T In: Atlanta

The "DN letter"? Come on TB, spill it if you know it.

Left: December 21, 2005 By: T In: Atlanta

The "DN letter"? Come on TB, spill it if you know it.

Left: December 21, 2005 By: JB In: plano

the E.E.O.C. is zealously pursuing the investigation that was brought to their attention by several 5+year employees. CHL wanted to go to arbitration but this group of former employees refused on the advise of the E.E.O.C. saying their case was one of the strongest they have seen in some time. CHL's council refuses to provide documents, including the known DN letter, within legal guidlines. the government is becoming very, very irritated w/CHL, and it is giving fuel to the fire for the EEOC attorneys.

Left: December 21, 2005 By: In:

J.V. - T ?

Left: December 20, 2005 By: T In: Atlanta

Don't know anything about "zipperhead"...just that "white wine with ice" should talk or not...you know or you don't, TB.

Left: December 20, 2005 By: In:

does this have anything to do with a zipperhead?

Left: December 20, 2005 By: T In: Atlanta

I worked there for many years. I just want to know if you have information that is important or if you know nothing more than any other BM.

Left: December 20, 2005 By: T In: ATLANTA

i DID WORK THERE, FOOL

Left: December 20, 2005 By: T In: ATLANTA

I said that I don't wotk there, now I did

Left: December 20, 2005 By: In:

T - you said you did not work for CHL sooo how do you know so much about 282 ?...fuck face!

Left: December 20, 2005 By: T In: Atlanta

TB-you should truly chill...282 was and probably is productive-not the issue. Take your issues where you must but there is no point in posting your anger without explaining the reasons for it.

Left: December 20, 2005 By: T In: Atlanta

TB-you should truly chill...282 was and probably is productive-not the issue. Take your issues where you must but there is no point in posting your anger without explaining the reasons for it.

Left: December 20, 2005 By: T In: Atlanta

TB-you should truly chill...282 was and probably is productive-not the issue. Take your issues where you must but there is no point in posting your anger without explaining the reasons for it.

Left: December 20, 2005 By: T In: Atlanta

It is everyone's business, fool.

Left: December 20, 2005 By: In:

T - none of your business

Left: December 19, 2005 By: T In: Atlanta

I don't know all the players in this game but I would like to know about the "DN letter". I am "T" and I am not an employee at Countrywide Home Loans. "White wine with ice", please explain. Thanks.

Left: December 18, 2005 By: In:

The truth is BR282 produced more volume than any other BR in R18 with fewer defis and no fraud. The truth is the BM of BR282 worked days, nights, and weekends to improve BR282. The truth is that while every day wasn't perfect, BR282 was like a crazy "family" that worked hard together and made it happen for each other and their customers. The truth is that most R18 employees who knew about BR282 wanted to transfer there. The truth is anyone fortunate enough to transfer to BR282 in some way commented on how different it was from the intense drudgery of other branches. The truth is the rest of R18 was jealous and envious and took every opportunity to point out the weaknesses of BR282. The truth is someone found a way to "get rid" of old pain in the ass, profit-producing BR282. The truth . . . there's more.

Left: December 18, 2005 By: In:

Countrywide doesn't care about it's employees. You are a disposable commodity. They'll just get more to replace you. Sweatshop burnout or get fired, buh bye.

Left: December 18, 2005 By: In:

what truth...more like ass kissing??????

Left: December 17, 2005 By: M, R, S, L, M, B, J, B, ,J, P, L, S, A, N, ,J, P, J, B, C, B, K, N, S, D, C, S, D, A,. B, J, D, C, S, K, S, A, S, In:

Will all tell the truth, and more and more come forward by the day.

Left: December 17, 2005 By: T In: Atlanta

I am just an interested reader. I believe that "white wine with ice" should indeed chill...you are not helping your case with your rambling. If you want them, go to it but don't threaten those that told the truth.

Left: December 16, 2005 By: In:

Gotta love the COUNTRYWIDE Full Spectrum Loan advertisements "we approve 4 out of 5 loans".

Yes even with a 500 fico you might get a loan.

HOWEVER They dont CLOSE 4 out of 5 loans.

BIG DIFFERENCE.

Left: December 16, 2005 By: In:

Well to understand CHL management you have to understand the peter principal. A person who might be a good salesperson does not mean they will make a great manager. However this person somehow manages to ingratiate himself or herself to upper management to get the promotion. Then once they get the management job that’s when they’ve reached the level of their incompetence. They will end up pissing many of the account execs off with their incompetence but upper management will continue to back them lest they too look incompetent for getting suckered in by these two faced new managers that are nice to upper managements face and shiz to the account execs and processors.

Left: December 16, 2005 By: In:

somebody was drinking a little too much white wine w/ice.

Left: December 16, 2005 By: In:

To the Roc processing; call their leader, between she and Zach they dont know how they can get packages out on time. She was neve able to get anything out in a timely manner in her old branch. So Zach hired her fill time at the ROC and demoted the old ROC manager because he was "not like them"? But thats okay for them their policies and procedures are different from CW policies and procedures, "they have their own".

To the "chill" comment be careful, be very careful, you missed 282-001 in the downfall of all of this. And then add it all up and where did it all go??????? We will publish the results, in public readings for everyone not just here, in public and then everyone can read the entire DN letter and government findings and then decide for yourself.

It's going to court which is where it all needs to end up. It's amazing how the current RVP and ASM continue to refer to the DN letter for everyone being let go?????????? You were all part of the setup. It's long past time for everyone accused in the letter to read it and then be able to defend themselves, which they were never allowed to. It's called slander. Company in too big of a hurry to pay off the letter writer due to pending lawsuits against her. See you in court.



Left: December 15, 2005 By: In:

Don't ya just love the ROC processing. Tell customers you'll get your disclosure package in 10 days and oh if you dont get it then give us a call. By the way there will be a return by date marked on the return envelope and if you dont get the documents back to us in that time we will cancel your loan and keep your non refundable deposit. Then the package finally arrives and has to be returned in ONE DAY turn around which doesn't give the borrowers time to read and review the documents they are being required to sign and it unduly pressures the borrower. Now mind you this is the first good faith estimate they have seen and there's no time to question the charges. Just sign it and get it back NOW. I dont see how the Gov can keep allowing these RESPA violations to go on. But no one can do what countrywide can, while other mortgage brokers are getting your loan closed not just the opening package to you.
The package will be lucky to have a processor contact phone number and if it does then they hide behind voice mail. With loan volumes dropping CHL monitors it's processing times and rather than improve turn times and service they lay people off and figure a 60 day close time frame and up to 50 percent fallout rate is acceptable.

Left: December 15, 2005 By: j In: atl

savannah - 282-002- sounds like it WAS a part of 282. sorry T, but this is way beyond you. all of these comments have to do with upper management, and how they handled this whole mess.you are just a pawn in their sick game of eliminating PEOPLE who did not fit their mold ( male, friend, plays golf, chases girls when they are out of town, etc.), or were a threat to them because we knew how incompetent they truly were/are. was upper management at the cbcs x-mas party? see how much they value your branch!

Left: December 15, 2005 By: In:

By the way,TB, chill

Left: December 15, 2005 By: T In: Atlanta

Never claimed to have it. Just interested in the blog.

Left: December 14, 2005 By: In:

Savannah did not belong to T or K or anyone else that wanted a free hand out. Check the records folks. What is left of Savannah is sad. T or K have not got a clue.

Left: December 14, 2005 By: In:

And by the way the ROC in Atlanta and branch 1158 made the "worst list for QVD's for six months related to poor performance in the country. Not following policies and procedures. Are they all still there? In all CW had had in excess of 25,000 incorrect QVD responses. Were they all fired?????? Lets see what happens as they say what is good for the goose in good for the gander. Part of the investigation.

Left: December 14, 2005 By: In:

They are all being investigated by the Federal Govenment. And it will be followed through to the end. There is another employee at CW that set this illegal and cruel behavior in action.
That employee will be held responsible for her behavior that affected in excess of 40 employees and their familes. It is called slander, and libel and lies. See you in court and your letter. Speaking on the behalf of all employees and familes that were destroyed by greed and jealousy. The witness list is now at over 50 in Atlanta. See YA.

Left: December 14, 2005 By: j In: atlanta

atlanta is probally THE WORST due to an very unqualified person by the name of zach parrott being named reg. 18 (atlanta) 1st vice pres. of operations. zach received this job under false pretenses, then proceded to fire anyone who had more experience or knowledge than himself. you see, he is truly unquailified and has a VERY,VERY, VERY small ego. he always makes sure you know his title of "1ST VP OPERATIONS" but when you ask him an uw/proc question, he melts like a wax candle sitting on asphalt in georgia, on a hot august afternoon.
CHL needs to rid this rodent before ALL the top producers leave reg 18. the fall-out has already begun. i'am happy that CHL national is seeing his work first hand. he is a bullshit artist who has his head way up someone's ass at divisional/corporate. hopefully, his bs is catching up with him.

Left: December 13, 2005 By: In:

Worst ROCs at Countrywide

Atlanta
Westlake Village
Detroit
Seattle
New Jersey
Charlotte
Houston
Diamond Bar


Left: December 13, 2005 By: b In: atl

actually, T, none of the comments are directed at you. you have been placed into a very bad, catch 22, sitiuation. the comments are directed at regional management and corporate management. the people that are making negative comments towards the above mentioned have a every right to so. their lives have been up-ended, and their YEARS of long hours(60-70/week), working weekends etc. have been wiped out with a ten minute interview because "they were not following procedure" ????? these people that were let go were 100% dedicated in making countrywide a known competitor in their respective markets. so to see years of sweat, tears, and hard work obliterated under false pretenses is very disconcerning. T, look at the b.s. that has been handed down from regional: no hits back, pricing 1 point above market, no paid realtor functions, running in the red each month, forced resignations, riffs, pulling savannah from you,etc.. people are pissed, and this web site gives former employees and current employees an avenue to vent their frustrations. the web site is called "countrywide home loan sucks", afterall. how was my spelling?

Left: December 13, 2005 By: T In: Atlanta

I am not disagreeing or agreeing with the content-just requesting discussions of real issues with fewer spelling errors.

Left: December 13, 2005 By: K In: Atlanta

Then you have some understanding of where the comments are coming from. I don't agree with them either but there is a huge amount of anger and frustration built up against these people and this site provides a safe place to dump it and leave it.

Left: December 12, 2005 By: T In: Atlanta

I am one of those people.

Left: December 12, 2005 By: K In: Atlanta

Well said, T, and so honorable of you to defend. Unfortunately, many good people have had their lives interrupted by the people these comments are directed toward and more than likely the comments will continue. It's up to you whether or not you continue to visit the site.

Left: December 12, 2005 By: T In: Atlanta

This website could be interesting if the entries were legible and accurate. If you do not have a true complaint about the company and/or cannot spell, don't bother with an entry. I believe that this site was designed to inform the general public-not to embarrass the past/current employees and customers.

Left: December 12, 2005 By: Phyllis Bucklew In: Pensacola

Just wanted to let you guys in region 18 know what tremendous things I've been hearing since I've retired. Doug, John, my little Zachy pooh bear (still frosting your hair sweety?? its SO becoming!), and Charlie... Wow! what can I say?? Taking all the processors out of the branches and putting them into the ROC?? Brilliant! I can already envision customer satisfaction soaring through the roof. That's just plain common sense that will really streamline the whole loan process and make things run a lot smoother. Competition beware!! with that production line and your one point over market rates... other lenders are going to literally shake in their boots. Brian Hale is absolutely correct... this isn't about satisfied customers, or putting families into homes to live their lives, its a product! and we need to manufacture that product in sweatshops with no windows. Can anyone say referral business! Why didn't we think of that before??!! But hold on, you boys didn't stop there! You Fired the TOP producer in the region (who carried it every month and whom upon you relied on heavily). Great idea... because there is really no chance of her getting another job with a big company and making it her goal in life to see that Countrywide is left in ruins in Atlanta. She isn't vindictive or vengeful at all... she'll probably just forget about it and wish you well. Where does the genious end?? Not there!! You moved on and fired your circle of excellence winners in the same office... kudos gentlemen. Getting those bums and their so-called "multi-million dollar production" out of there was just a no brainer. plain and simple. (If I may add a bit of constructive criticism... next time when you are interrogating loan officers, use a bright light to shine in their face... and heat bulbs work best. this will further dehumanize and humiliate them before you fire them and destroy their livelihoods for no reason) And, those managers, with their so called "experience" and "competence", they just had to go...those arrogant know it alls!! You'll show them how its really done! so I say BRAVO gentlemen on a job well done!! The results will speak for themselves and then you can look those skeptics and naysayers in the eye and say "Vindication is mine... be gone O' ye of little faith". With these changes the sky is the limit and I'm sure wonderful things await you in your prolific careers! Thank you so much for keeping my legacy alive.



P.S. Zack... Pierre told me to tell you that he is sorry!! He would have never taken your cyberskin double headed perfect pecker without your permmission had he thought you would have cared!! he just didn't know how important your dildos are to you. He wants you to know that still loves you and that you don't need to keep giving handjobs in parking lots. CALL HIM. REALLY



Left: December 11, 2005 By: fuck you zach parrot In: buckhead

how can anyone trust a girly man like zach parrot. he pretends to be a heterosexual by being married to a female but the word on the street is that he is gay as hell. he and his wife have an "understanding". this comes from a reliable, gay, real estate attorney friend of mine in buckhead who knows zach from the gay world. this attorney cannot believe this pretending queen has the position he has. in my attorney friends words: " the guy is the most underqualified, cheap, queer-snake he has met in the banking business. why in the hell would CHL hire this fraud"?


Left: December 11, 2005 By: kevin In: atlanta

for fast, reliable mortgage services, please phone kevin at 404-231-0935. THE LOWEST RATES/COST in the big ATL.

Left: December 11, 2005 By: In:





Left: December 09, 2005 By: fuck you zach parrot In: buckhead

how can anyone trust a girly man like zach parrot. he pretends to be a heterosexual by being married to a female but the word on the street is that he is gay as hell. he and his wife have an "understanding". this comes from a reliable, gay, real estate attorney friend of mine in buckhead who knows zach from the gay world. this attorney cannot believe this pretending queen has the position he has. in my attorney friends words: " the guy is the most underqualified, cheap, queer-snake he has met in the banking business. why in the hell would CHL hire this fraud"?

Left: December 08, 2005 By: In:

hell yeah, crank it up!

Left: December 08, 2005 By: take no prisoners In: atlanta

to the "high-ho..lets go" countrywide girly who made all the comments in august/september about the top producers/ top managers being let go because of their committing fraud, their "coke/x" habits,and their being "closet homos", where are you now? you stated that you had "inside knowledge" from the FBI that these people should be nervous because of the investigation into mortgage fraud, mail fraud, wire fraud, and general criminal behaviour they committed. i haven't heard a word from the feds for my "wrong doings" but CHL, region18 is about to hear from the fed's loud and clear for their corrupt/unjustly firing procedures. i hope you crossed your t's and dotted your i's. who is nervous now? you stated that the region/branch is "much better off" without these hardworking, dedicated, professional people. where are you now, sugartruck? i guess you feel a little embarassed, shocked, nervous, and ashamed now that you are seeing first hand the nonprofitablity of your branch, the tight underwriting, the sky high pricing/ no hits back, the skrinking of your checking account,the firings without cause (are you next, baby?). what kind of lies/innuendos are you spewing now to your agents, builders, coworkers now to make your little ego feel better ?

Left: December 06, 2005 By: In:

Response to 11/16 all of you need to read the New York Times Article Angelo Mozilio " I have a chip on my shoulder". October 2005. From there we will go to what happened in Region 18.

AS posted 9 managers were let go that developed and built CW Homes Loans for the past 11 years in Atlanta. The current(loan officers) known as management which have been referred to as Dumb, Dumber, and Dumbest, also known as Beavis and Butthead, and more commonly known as nothing more than "loan officers gone wild" in a big office with nice desks, that now frequent the never before used CW membership to East Lake Country Club for golf.

The current RVP was searching high and low for a job for him and his buddies when "Banc" was going to Suntrust. At most the people that interviewed him considered him a "maybe" branch mangager? After getting the job at CW he laughed with his feet up on the desk and said well look where I got to. He stated "my own head hunter said this job was a stretch and that I would never be qualified for this" Yea I guess so.

So, Part I of the story. Part II will go back to where it started at 144 for Region 18. And Part III is already in the hands of the Federal Government. And Part IV gets to be published.

Again, report everything to Ethics, and HR and Office of the President.






Left: December 05, 2005 By: Phyllis In: FL

I just saw a great new book on Amazon. It's called "Running in the Red: How to take a profitable business and fuck it all up". The Authors, Doug, Zach, and, J...J.JJJ...JJ..J...John have really laid out their strategy for getting your office to completey tank in no time. Sick of making money? Tired of all that business you have?? Well the D, Z, and J plan is for you!

Left: December 03, 2005 By: In:

Current Customers should call customer Service and tell them you want NO CONTACT 1-800-669-6607

That means:
*No emails
*No Phone Solicitations
*No Junk Mail

Get customer service reps name and employee ID# and make a note of it.

Countrywide gets around the do not call list because of a loop hole that allows them to call their current customers. Why do you think they buy so many mortgages? So they can call you and sell stuff to you is one reason.

Left: December 01, 2005 By: Big Buc's Fan In: Charlotte, NC

If you are a responsible citizen and have a truly legitimate gripe, then this comment is not for you.
Thank God for people like Michael Harmon, former CHL employee. Michael did not defend or discredit CHL. What he did do was offer to assist anyone needing help. Some of you adults are in financial trouble now because your parents never taught you anything. Now you are parents and not teaching your kids. If you can afford it, buy it, but don't try to keep up with the Jones'. Why are married couples each making 6 figure salaries living paycheck to paycheck? Always got your hand out borrowing to payoff something. How 'bout this. Before you borrow another dime; cut your cable off, don't eat out for breakfast/lunch/dinner, stop smoking/drinking, cut back on cds/dvd's, stop buying every fad shirt/pants/shoes that hit the market, etc. You do this for 2-6 months and you will see the money that you worked hard for going into your bank account. Some of you have expensive cars, expensive homes and clothes, yet your children don't have a dime saved for them towards college.
To go off the subject - some of you send your children to school expecting the school system to teach them manners, how to read/write, that's your job!!!!!!!!!
No matter what color, race, religion, we all want the same things. When people try to give some of you knuckleheads good advice, take it. Stop waiting for Oprah to tell you what you already know is right. And stop making the excuse that your mom or dad never taught you.

Left: November 29, 2005 By: T In: Atlanta

What happened to the interesting explanation for the upheaval in region 18? Come on folks, the suspense is unbearable.

Left: November 21, 2005 By: In:

their wives already know...they just lick each other and ask for bigger houses and range rovers. soccer moms unite!!!!!

Left: November 21, 2005 By: t In: atlanta

on 11/16/2005 you wrote that you would post your thoughts within 48 hours....i still do not see anything.

Left: November 19, 2005 By: In:

Just wait until RVP, ASM's wifes realize there are sexual harrassment cases being filed-by several of the past and present employees of R18-wifes need to real real concerned when the boys leave town-they are out looking for trouble and most of the time find it-like in Florida????
THeir days are coming with a termination from CW and hopefully the wifes have more sense the they do-

Left: November 18, 2005 By: jay In:

bb - you should speak w/ the other long term managers about the class action they have already filed with the eeoc. i know the attorney, and he/she says that the eeoc is licking their chops on the age/sex discrimination, termination w/out warning, etc.. it is going to be bloody and chl will have a HUGE black eye in the atl. market. speaking to different real estate pros/ mortgage pros in the atl. market, all of them already knew of the major problems at chl atl.. also, the vp's names are mud on the mortgage streets.

Left: November 18, 2005 By: BB In:

Another one bites the dust....another long term branch manager in Region 18 has been fired. Never had a bad review, no warnings either verbal or written. Devoted 10 + years to a company that has/had an agenda to get rid of anyone that was there prior to them coming on board. Beward...there are only a handful of you left...File complaint with EEOC...not me...I'm hiring a lawyer!!

Left: November 17, 2005 By: T In: Atlanta

Would truly like to hear the explanation promised yesterday. Thank you.

Left: November 17, 2005 By: In:

tick - tock, rvp, asm, zp, your time is gonna come.

Left: November 16, 2005 By: In:

You will all here the story in the next 48 hours of what happened to Region 18 Countrywide Home Loans. I know who the last commentator was as the names that he/she noted were very familiar.
This has already moved into a full investigation by the Federal Government. Many, people have already filed Ethics and HR complaints against the current management and with the government.

The most recent Branch Manager that was let go gave their life to Countrywide Home Loans. He/She gave 70 to 80 hours a week to make Countrywide Homes Loans a household name in their area, with no support.

Please file complaints with HR and Ethics against these people, it is the only way to stop them and prevent them from what they are doing. You may obtain these numbers by calling HR or the Ethics posters in your offices. So, many complaints have been filed now that any of yours will only help others.

Again, I will write within the next 48 hours of what really happened at Countrywide Home Loans. I have stayed silent until today and will not stay silent anymore. Too many great people have been swept in the undertow of totally incompetent people to stay silent anymore. And I will not. Countrywide was the love of my life, it was a great company until these people came aboard. RVP, ASM and ZP. You all know these names.

Stay posted. It will be worth it.


Left: November 16, 2005 By: In:

I'm starting to wonder if these vp's are spies from other companies planted to ruin CHL. Why were they hired in the first place? Did someone get tired of endless recruiting for an appropriate rvp and threw their hands in the air and said "take the next tom, dick, or john that walks in and his buddies too." Seriously, there must have been SOMEBODY else to hire or promote even. The position was open for a long, long time and there were much better internal candidates. Look at all the good people that are gone because of these vp's. I don't get why that seems to be "ok" with everybody. It's weird like some brainwashing cult or something. If you don't agree with them you're out.

Left: November 16, 2005 By: In:

wow unbelievable the garbage running rampant in r18

Left: November 16, 2005 By: In:

well, well, well another branch manager ( 11 year at chl) was let go yesterday. the branch/regional managers casualties since jan. 2005 = 8. the qualified branch/regional managers hired since jan 2005 = ZERO! basic management 101 teaches you to hire people that are experts in their respective management roles. dumb(rvp), dumber ( avp), and dumbest (rom vp) believe you should hire your "buds" and everything will turn out just fine. great long term growth strategy, fellas.

Left: November 15, 2005 By: In:

to answer "t's" question of what ONE thing could improve moral and reduce criticism: eliminate the regional managers ( rvp, avp,rom vp, builder vp) and bring in some serious management. i feel like i'am back playing little high school games with these underqualified fools. everytime i speak to the rvp or the avp i fell like i'am talking to beavis and butthead. i typically receive NO valuable information in regard to a particular question i've asked .....just the old run around. that's cool huh, huh, huh cool huh, huh huh, that girl is kinda hot huh, huh, huh.

Left: November 12, 2005 By: Ed In: Atlanta

Can morale be improved and criticism brought down to a dull roar? It's hard to believe with the VP's that are in place today, that it can be. Can anyone give an example of a time that any of these VP's did something that in any way seemed to be in the best interest of the company, the region, or the employees? Have you ever heard one of them voice a concern for the company or anyone in it? How about implement a program or procedure that would somehow improve production, productivity or morale for that matter? or maybe hold an open forum and allow some controlled criticism and suggestion. Or is this board the MOST voice any employee past or present has? If you want robots as LO's and LS's you can find them. If you want thoughtful, intelligent, responsible, productive employees it might be that the games need to stop and some decent, respectful, productive management brought in. Good thing this is the only place I have a voice.

Left: November 12, 2005 By: In:

i would agree with the comment below. i also believe that in order to improve moral and reduce criticism, upper management needs to empower the branch managers to make critical descisions on a local level in regard to pricing,uw descisions, and personnel moves. this formula used to work beautifully until the new regime moved in. the rvp, avp, and the rom seem to think they can micromanage the branches with an iron fist for their own best interest.
it is very difficult for a branch manager to recieve loyalty and enthusiasm when upper management dictates who will be fired/riffed next. loan officers do not feel confident because they have no idea how to price because the rules change on a weekly basis, and they have no latitude to make critical point of sale descisions. lastly, no employee of any company shines when you have to always look over your shoulder because you are afraid of being accused of the "F" word or you don't know what your paycheck will be because of the changing pricing policies. employees need to be empowered with making descisions. the formula does not work when the employee has to guess what upper management deems correct. i feel bad for the branch managers because they are in a catch-22 with upper management and their own people in their respective branches.
countrywide's formula of empowering the branch manager as his/her own profit/loss business has worked since 1969 making chl the #1 lender for many years in a row. now you have some unqualified people who do not grasp the chl way, and are trying to change the formula to suit their own greed. remember coca-cola and the disaster when they tinkered with their formula.

Left: November 11, 2005 By: Dean In: Atlanta

Give the BM's and BOM's intense and on-going management training. Loan officers and underwriters do not necessarily make good managers just because they were good LO's and UW's. It's not all about numbers - it's all about people. When the employees are behind the manager, the manager is going to look good to upper management, because their employees are going to make sure that they do. Military tactics, public humiliations, and romper room rules do not cause a branch to be productive but it will cause the managers to have no one to manage.

Left: November 11, 2005 By: T In: Atlanta

If you could change one thing in Region 18 in an effort to reduce the criticism and improve morale, what would it be?

Left: November 09, 2005 By: steve In: atlanta

chl corporate sure has pulled the wool over the so called "top producer" with their self serving propaganda. open your eyes. chl may be the #1 lender because of their combining numbers of wholesale, correspondent, fsl, america's wholesale lender,and retail lending. next time you look at the mortgage banker's association magazine rankings, go ahead and combine wells retail,wholesale, correspondent, and bank lending and you will have a much better picture of where chl stands. wells separates their different entities out...chl combines their numbers. chl's stock may be good but at whose expense ? the employee's wallets in reg. 18 sure are getting lighter while the stockholder's wallets are overflowing with greenbacks. remember, pigs get fat but hogs get slautered. don't be fooled by what your company feeds you.

Left: November 04, 2005 By: In:

another processor has put in for a 2 month leave of abscence in order to shop the market. that leaves 2 procesors and they have mentioned that they are looking for new work.

Left: November 04, 2005 By: In: atl

b. b. - you are not a top prodecer and you never will be. you are a loser who rides on others hard work. you closed 2 loans last month. i can do that sitting on my toilet.

Left: November 04, 2005 By: Happy In: Atlanta

Good lord. Talk about BS. Evidently you're from another region or you're the RVP, ASM, DVP, or 1st VP. Got drunk again huh? tisk tisk

Left: November 03, 2005 By: TOP PRODUCER In:

TO THE GUY WHO POSTED UNDER ME.. I'M SO GLAD YOU GOT OUT.. WE DON'T WANT YOU BACK NEITHER! ACTUALLY, I HOPE YOU WENT TO WELLS, SO WE CAN COVER YOU WITH THE DUST WERE GOING TO GIVE YOU A BEATING. AND ABOUT MONEY?? OH THERES LOTS OF MONEY TO BE MADE ONLY IF YOU SWIM OUT TO THE SHIP AND NOT WAIT FOR THE SHIP TO COME TO YOU, U SLACKER! ITS EASY TO COMPLAIN, HOW ABOUT CREATING YOUR OWN BANK FROM SCRATCH, LIKE ANGELO DID AND WE'LL SEE HOW LONG YOU LAST. YOU'RE NOTHING BUT A JOKE TO SOCIETY. GROW UP!

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: November 03, 2005 By: GET OUT NOW!!! In:

All I have to say to all of you current employees of Countrywide who are so upset yet, you continue to work for them, and cry on this website. Is to get the HELL OUT! I am a former employee for Countrywide, not in your region, but you all have the most interesting stories, I left over 4 months ago, and let me tell you what. Countrywide has SHIT, they always were shit, always will be SHIT, so what are they going to offer their employees, but SHIT!!! I mean come on people, if you are an originator as I was, you can go anywhere, I have never seen a mortgage company say, "NO we just cannot afford your extra loans and money, SORRY." And if you are a processor, you are just a damn fool to stay! I just hope that you all will get out while you can, the only thing that I learned and/or took from Countrywide was how hateful and corrupt people can be, and how to not sleep at night. GOOD LUCK to you Region 18!

Left: November 03, 2005 By: painful In: atlanta

kudos..stacy. you hit the nail on the head. the new managers are good, hard working, people who trusted upper management in forwarding their careers. mistake! the people that were either "let go" or resigned were totally dedicated and loyal to countrywide. i personally had pride in saying that i worked for countrywide. this pride meant that i could give the best service and best pricing to my clients, agent, and builders. now i'am beginning to hear the opposite on the street. countrywide is begiining to have a very bad reputation in the real estate community. not good for future business! if i were one of these new managers i would consider shopping my branch with wells, chase etc.because within 6 months their branches will be a shell of what they used to be. processors are beginning to shop their skills because of the more work for less pay mentality. when they leave the branchs will revert back to the "roc". loan officers will begin to get fed up with the poor quality of service at the "roc" and they will begin to shop their talents and leave. also, with branches running in the red the new managers will not be able to take hits back. countrywide is 1 point out of the market so when you can't take hits back you will lose deals to competition. the branches will have less production but the overhead will be the same. not a good equation. i believe the new managers are beginning to get a tatse of this vicious cycle.

Left: November 02, 2005 By: Stacy In: Atlanta

By now even the new managers know they were lied to. What kind of workplace is built on lies and threats? and at this point who would you consider trusting? Some will decide the lies are worth it and will stay hoping to boost their careers. Some have gotten out and others will get out as soon as they can. It comes down to 'Is it worth it?' To whoever left today 'it' obviously wasn't worth it. Kuddos friend.

Left: November 02, 2005 By: ha-ha-ha- In: atlanta

hey, another great loan officer has left 282. man, oh, man upper management is SO on the ball. what a bunch of ding-dongs.

Left: November 01, 2005 By: dumb asses In: atlanta

what a bang up job the rvp,avp, and rom 1st vp fro reg. 18 are doing. LOSERS!!!!!

Left: October 28, 2005 By: In:

Z is a penis puffer.

Left: October 28, 2005 By: joe In: atlanta

the good ole boys club will come to an end soon because they are driving out the very people who built region 18. these fellas are not the brightest bulbs in the box. they are basically committing corporate suicide by eliminating the most knowledgeable countrywide employees. the implosion will be horrific and ugly whenever it occurs, and i bet there will not be a tear shed by anyone currently employed or formally emmployed in region 18.

Left: October 28, 2005 By: Anna In: Atlanta

Yes there's fraud in Atlanta and it would be ignorant to say that no one at Countrywide is involved in it. Fraud is not however what is going on in Region 18. In the last year and a half R18 has acquired a new 1st VP and a new RVP. They have a reputation for circling the companies, bringing their buddies, creating havoc, and moving on to the next. The problem is that there are a lot of really good, reliable, hard-working people that these guys haven't the slightest concern about. They ruin lives by firing anyone who looks at them sideways because they got their jobs on false pretenses, they're not quite sure what they're doing but they're pretty sure it's wrong, and anyone who speaks up to them is a threat. Politics, power and corruption -- the American way.

Left: October 27, 2005 By: steaming In: atlanta

well, well, here we go again. another very bright, hardworking, individual was " let go" at the regional office of region 18. this individual has over 20 + years in the mortgage banking business. his track record dates as the regional operations manager for wells fargo for 10 years. then over 6 years at countrywide. when the "new regime" came in he was demoted and embarrased by these buffoons. he was the most intelligent and knowledgeable person at the regional headquarters. i guess his boss felt inferior to him....so lets fire him. IDIOTS !!!

so to the little girl who keeps writting about all this fraud, drugs etc., what stupid, unfounded comment will you make this time ?

Left: October 27, 2005 By: in agreement In: macon

tell me about it. that is what permeates throughout reg. 18. i would never work for those weirdos.

Left: October 27, 2005 By: In:

you forgot to finish that sentence.
..., i can tell you that countrywide is a great company.. to get drugs through or to find a gay lover.

Left: October 27, 2005 By: In:

as a long time mortagge broker, i can tell you that countrywide is a great company.

Left: October 27, 2005 By: satisfied In: atlanta

i've been a long time client of countrywide in atlanta. i've over 8 different loans with them and have always had a pleasent experiance

Left: October 27, 2005 By: curious In: atl

what is up in region 18?

Left: October 27, 2005 By: In:





Left: October 26, 2005 By: In: atl

what ? you have ZERO basis/evidence of your claim.

Left: October 25, 2005 By: I have friends in the FBI In:

I have the inside scoop on region 18. It's called mortgage fraud. Those individuals who were "top producers" were doctoring W-2's, paystubs and tax returns. Those individuals will be looking at federal charges for wire and mail fraud due to the fact that they sent forged documentation via express mail and fax, no to mention email. To answer your question as to why they are all being terminated, they are crooks. It's happening all over the country with alot of lenders. Atlanta, GA just happens to be on of the most corrupt areas in the US for mortgage fraud. Always has been and probably always will be.

Left: October 18, 2005 By: something very very wrong In: atl

two very qualified employees at branch 282 were let go yesterday. these two young women did everything that was asked of them and then some. why is region 18 destroying the highest producing branch in the region ? the destruction in the past 4 months has been so far:

1) a ten year branch manager for countrywide whose branch always led the ranks in volume/units. 22 in the nation last year for countrywide.

2) a 6 year loyal b.o.m.

3) a 12 year mortgage banker and 3 year circle of excellence winner.

4)a high producing loan officer in a satellite branch who knew every builder/developer/real estate agent in town.

5) an 8 year countrywide employee who was the sales manager for another satellite office of 282

6) 4 super hardworking/knowledgable/loyal processors

7) folding of an entire satellite branch in gainesville.

cleaning house of good,hardworking, honest loyal employees of countrywide. why ? they should write a book on "how not to have a succesful business".



Left: October 17, 2005 By: An Observer In: Atlanta

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 30, 2005 By: In:

marcie-
if are going to post a paragraph, please learn some grammer. your writing is worse than a 5th grader.

Left: September 28, 2005 By: MARCIE In: AUSTELL

wow,
I HAD NO IDEA ALL THIS HAD BEEN GOING ON -IVE HAD MY SHARE OF PROBLEMS AND I STILL AM.MY HUSBAND HAS BECAME ILL AND UNABLE TO WORK SO I GOT BEHIND AND I TALK TO CWHL ABOUT DOING A LOAN MODIFICATION-- WELL SOMEHOW THE GUY DOING MY LOAN MOD GOT FIRED -LOST MY ALREADY SIGNED PAPERWORK THAT WAS THERE ON THE DAY IT WAS SUPPOSE TO BE AND MY MONEY THEY SAID I OWED THERE ALSO.NOW THEY ARE TELLING ME I HAVE TO FILL OUT MORE PAPERWORK AND COME UP WITH MOPRE UPFRONT MONEY TO DO MY LOAN MODIFICATION.HOW COME I HAVE TO BE RESPONSIBLE FOR THIER EMPLOYEES IGNORANCE---I HAD EVERYTHING THERE TO DO LOAN MODIFICATION -ITS NOT MY FAULT THEY LOST PAPERS .IM NOT HRU FIGHTING YET -IREFUSE TO GIVE THEM ANYMORE MONEY.I SHOULD NOT HAVE TOO-I HOPE NOOONE ELSE HAS TO FIGHT LIKE IVE HAD TO JUST TO KEEP ROOF OVER HEAD..

Left: September 23, 2005 By: michael In: smyrna

Countrywide issued a second mortgage to my ex-wife without providing me with a recession notice, knowing that they have my name on the first mortgage. They have inflated the property value 36% in order to approve the second mortgage. They claimed that I have deeded my interest to my ex-wife, also stating that they have a quit claim deed signed by me submitted by my ex-wife in which countrywide would not provide me with copy of such quitclaim deed. Conspired with fidelity national title solution to issue a title report showing that I have deeded my interest to my ex-wife. The judge handled my divorce case instructed me not sign a quitclaim deed because he awarded me an interest in the marital property. My ex-wife defaulted on both mortgages, countrywide reported 11 late payment on my credit report and a foreclosure. I tried to save the house but countrywide demanded $11,000.00, I tried to obtain a mortgage with another mortgage company to save the house but I could not because my credit been ruined by Countrywide. mkassem2001@yahoo.com

Left: September 20, 2005 By: In:





Left: September 20, 2005 By: nervous In: atlanta

you have three inept "managers", charlie rogers DVP,doug casbon RVP, and john steele AVP. they seem to be more interested in golfing, boozing, and chasing skirt, and helping their "buddies out". from what i have seen, there is ZERO direction/business plan as to where the southeast division/region 18 is headed towards. they seem to be asleep at the wheel as the headcount goes up. it is pitiful to see region 18 treated as the cesspool of CHL national.

Left: September 19, 2005 By: An observer In: Atlanta

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 19, 2005 By: In:




Left: September 16, 2005 By: In:

i heard through the grapevine that zach loves to have tea sacks laid upon his face as he pumps the tool. drew told byron, who in turn told gene sota, who in turn told the entire band of homo's at countrywide. wow!!!!!!!!!!!!!!!!!!!!!!!!!!!!! if i were a hetro at CHL i would watch my backside with these fools.

Left: September 06, 2005 By: In:





Left: September 02, 2005 By: In:

I'm sure the boys at your Hilter Youth rally would be proud. Keep it up. How 'bout we all focus on finding a way to help out the poor souls in Louisiana, Mississippi and Alabama instead of making basless, slanderous comments about people we don't know. (I'm guilty of that one. See above comment.) There are more important things in this country right now.

Left: September 02, 2005 By: In: atl

to the fag defender..........it is a free country to do what you wish. what i was mentioning was the fraud he was commiting to his wife. he is a " pretender" so one needs to be very, very, very careful around this type of person. although, it was great of you to defend the homosexual nation but it shows me what little of a mind you have with your reactionary response. go march in some rainbow parade or visit the oprah show. your brain is too small.

Left: September 02, 2005 By: In:

1



Left: September 02, 2005 By: In:

Hey, if he desires some other guys dirt trail and hot dog, then more power to him. A couple of things though. Maybe they should be pissing in their own bathrooms marked "gay only". It's not fair to straight guys. Oh, and I almost forgot about this one. Animals have been on this planet for millions of years. Have you ever seen two same sex animals getting it on? No. And if you did it would be like a freak show. Now think about that one!!

Left: September 01, 2005 By: In:

It's one thing to attack him for committing fraud at work, however it's another thing altogether to attack him BECAUSE he's a homosexual. Whatever his sexual preference is that's his choice. It doesn't make him any more or less of a person. I suggest you keep your homophobic rhetoric to yourself. They say some of the most outwardly homophobic people are themselves homosexuals. Think about that one.

Left: September 01, 2005 By: you know who...cock sucking pussy boy zack In: atl

zach parrott commits fraud not only in business but as a homosexual husband to his wife. what a LOSER this faggott is.

Left: August 30, 2005 By: In:

They're all a big mess down there. The fed's are closing in and so is CHL brass. Enjoy your time while you have it boys! Pretty soon you'll be someone's bitch!

Left: August 29, 2005 By: In:

Wow! He's a mess dude!!

Left: August 29, 2005 By: former lover In: alt

Scroll all the way down to see whats going on with the ever gay Zach Parrot! He does not want you to read it...but it's worth it!

Left: August 27, 2005 By: In:





Left: August 26, 2005 By: In:

Scroll down for the complete story! Be patient, Zach does not want you to read this!

Left: August 26, 2005 By: In:

Ya, I guess this means Zach Parrot is gay! We hit a tender spot! (Just like he does when he comprimises some other guys seat!)

Left: August 26, 2005 By: In:




Left: August 26, 2005 By: In:

I think gay Zach is mad now.

Left: August 26, 2005 By: In:

3


Left: August 24, 2005 By: drew In: atlanta

if you want to get down, down on the ground.....cocaine!!!!. yes, it has been proven that zack sucks the rack. just ask drew.

Left: August 24, 2005 By: In:

wow!

Left: August 24, 2005 By: In:

As a matter of fact, alot of those region 18 boys like to do a little blow, then do some blowin' if you know what I mean.

Left: August 24, 2005 By: In:

Phyllis says Zach is gay. Is it true?

Left: August 23, 2005 By: In: atlanta

no they are not talking about phyliss. they are talking about the inept management of region 18. mainly, zach parrott. this guy has a very small ego, and with his new positon as regional operations manager he is out on a power trip. the positon he snaked his way into is way over his capabilities but by him eliminating much, much more qualified people in operations he secured his position. he will not last long because there quite a number of people after his squirmy little ass. his days are numbered but in the meantime he has hurt and continues hurt a lot of hardworking, dedicated employess at CHL. i hope zach realizes that some pretty big heavyeweights are developing a case to get rid of the loser. hopefully, sooner rather then later.

Left: August 23, 2005 By: In:

I thing they are talking about that total looser Phyllis Bucklew!

Left: August 19, 2005 By: In:

I wonder if he meant bitch and cunt??

Left: August 19, 2005 By: In:

Whaaa? Did anyone else understand that last post? Must be one of the Atlanta FSL boys.

Left: August 19, 2005 By: In: atl.

and you are stupid, insecure, immature, _itch!get out of your 20's, and then tell me about real life, cun_.

Left: August 18, 2005 By: In:

YOU GOTTA ADD BLOW AND X TO THE LIST TOO!

Left: August 15, 2005 By: In:

The thing is those guys she's talking about are closet cases with horrible coke habits.

Left: August 15, 2005 By: In:

I think phyllis feels left out.

Left: August 12, 2005 By: Phyllis Bucklew In: Pensacola

Just wanted to let you guys in region 18 know what tremendous things I've been hearing since I've retired. Doug, John, my little Zachy pooh bear (still frosting your hair sweety?? its SO becoming!), and Charlie... Wow! what can I say?? Taking all the processors out of the branches and putting them into the ROC?? Brilliant! I can already envision customer satisfaction soaring through the roof. That's just plain common sense that will really streamline the whole loan process and make things run a lot smoother. Competition beware!! with that production line and your one point over market rates... other lenders are going to literally shake in their boots. Brian Hale is absolutely correct... this isn't about satisfied customers, or putting families into homes to live their lives, its a product! and we need to manufacture that product in sweatshops with no windows. Can anyone say referral business! Why didn't we think of that before??!! But hold on, you boys didn't stop there! You Fired the TOP producer in the region (who carried it every month and whom upon you relied on heavily). Great idea... because there is really no chance of her getting another job with a big company and making it her goal in life to see that Countrywide is left in ruins in Atlanta. She isn't vindictive or vengeful at all... she'll probably just forget about it and wish you well. Where does the genious end?? Not there!! You moved on and fired your circle of excellence winners in the same office... kudos gentlemen. Getting those bums and their so-called "multi-million dollar production" out of there was just a no brainer. plain and simple. (If I may add a bit of constructive criticism... next time when you are interrogating loan officers, use a bright light to shine in their face... and heat bulbs work best. this will further dehumanize and humiliate them before you fire them and destroy their livelihoods for no reason) And, those managers, with their so called "experience" and "competence", they just had to go...those arrogant know it alls!! You'll show them how its really done! so I say BRAVO gentlemen on a job well done!! The results will speak for themselves and then you can look those skeptics and naysayers in the eye and say "Vindication is mine... be gone O' ye of little faith". With these changes the sky is the limit and I'm sure wonderful things await you in your prolific careers! Thank you so much for keeping my legacy alive.

P.S. Zack... Pierre told me to tell you that he is sorry!! He would have never taken your cyberskin double headed perfect pecker without your permmission had he thought you would have cared!! he just didn't know how important your dildos are to you. He wants you to know that still loves you and that you don't need to keep giving handjobs in parking lots. CALL HIM. REALLY

Left: August 05, 2005 By: Michael In: Palmdale, CA

I am a former employee of Countrywide, sorry but I have to laugh at all of these stories, yes COuntrywide has it's problems, just like all the other lenders out there, but most of the problems being stated here are mostly due to homeowner error not lender error, there are alot of laws that Countrywide has to follow, so if you think they can just wipe your credit score clean, or take fees off, that's where you are wrong, it's sad to see ignorant people cause concern for others who know what there doing by trying to bring a company down, it is not right and people need to take responsibility for themselves instead of trying to get through life easier and blaming all their problems on somebody else, when you have a problem in life you must look at yourself first to see what you did to cause it, then correct it, not put full blame on another. In other words pay attention to yourself and see your wrongs before you give a bad rep on a company who tries hard to serve MILLIONS of customers and make sure there is no problems.

Left: August 03, 2005 By: In:

Wow. Now this little spat is getting interesting.

Left: August 03, 2005 By: Zach Parrott In:

I'm surprised you just didn’t tell everyone about me being gay. I am gay! There I said it. Are you happy now? No more games, I'm out of the closet!!

Left: August 01, 2005 By: In:

Wow. Tell us how you REALLY feel. You might think about calling HR if you're feeling so used and rejected.

Left: July 29, 2005 By: In: Buckhead

Well where shall I start?? Probably with the public know that I AM a Countrywide EMPLOYEE, yes I said it, I CURRENTLY work there. I only have one good thing to say about Countrywide, and that is I love every single person in my branch. Other then that...COUNTRYWIDE in Atlanta, Georgia is full of back stabbing, egotistical, ASSHOLES!!! I have never in my whole life seen such a, excuse the french, fucked up company. All Countrywide wants to do in destroy the very best managers they have ever had! Yes Zach Parrott, I am talking about you and all your fucking pansy ass groupies. I hope that you and all your "friends" realize what you have done? You have shut down the only branch that will ever...YES EVER... make you money. You think that we are going to stay and not fight well you are wrong. Say goodbye to region 18... I will never let another one of my loans be closed within a COuntrywide branch, ROC, whatever AGAIN!!! You all have lost over $800,000,000.00 in loans...eat the Brian HAle

Left: July 29, 2005 By: Michael In: Chicago

Wow! Disgruntled former Full Spectrum employee! I take it you don't like Brian Hale. Well, word on the street is, not too many people at FSL or CW like him either.

Left: July 29, 2005 By: In: Buckhead, GA

Brian Hale is a fat piece of shit waiting to die of a heart attack. Good job, fire the top producer in Atlanta after she kills herself for her branch and the company. Go ahead Zach and Hale, fuck each other in the ass while she goes on to another company and dominates.

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 12, 2005 By: Debbie In: Rossville

I have my home loan with CountryWide and I must say that was the easiest loan I had ever encountered. they were and are the nicest people. I have always been treated with respect and never had 1 problem with them. Some people you just can't please no matter what you do for them. belive me I know for a fact because I work for a financial institution

Left: July 09, 2005 By: joseph In: atlanta

just like everyone else my home loan was bought by
countrywide and my nightmares began also.i was honestly late with my payments and was notified by chl that my home was set up for foreclosure.ok i tried to think of everything possible to resolve this matter without it going to foreclosure.i found a investor that was going to completely pay the loan off so it would not ruin my credit.chl would not accept the investors offer and sent it to foreclosure anyway.i think this also is a rude practice and they are heartless and care about no one but themselves. i hope they can sleep at night.i do not and will not recommend them to no one.because they have unfair and untruthful business practices that will not go left unnoticed.

Left: July 07, 2005 By: Margaret Kreyer In: Buford

Just a word of warning. Full Spectrum Lending is part of the Countrywide Family. We applied for a home equity loan. Our mortgage was under 50% of appraisal. The loan officer at Full Spectrum Lending assured us all would be fine and we filled out tons of paperwork. We did not hear anything for a while and then a few days before we thought we were closing on our equity loan, Full Spectrum calls and says we don't qualify but they could do a full refinance and include, guess what! the amount of the equity loan. We were financially strapped and stupidly agreed. The loan cost us $5,000 and Full Spectrum wrote checks to our credit card companies and then gave us a check for the amount we originally wanted to borrow. A month later, Countrywide bought our loan. I think we were deliberately deceived.

Left: June 30, 2005 By: GWEN E LEWIS In: PALMETTO, GA.

On May 18th of this year my husband and I signed papers for a Home Equity Line Of Credit through Countrywide Bank. I chose them because our home was with them. Now my understanding of this loan was explained to me by their rep. that we would only pay on the amount used and would be given checks as well as a cash card to use as you would a credit card. We did not get this to pay off any debt but to invest in Real Estate. On May 23rd we received a check for the full amount of our line of credit. They had treated this as a cash out refinance rather than a line of credit. There was no letter, just a check. I immediately called Countrywide to tell them of the mistake and asked how to return the check. No one could tell me. I called a few days later with the same question and was told to wait until the statement came and mail it back with that.On June 7th I received a statement with a finance charge of $45.82 on monies I had done nothing with. I still had the original check in a safe. I called again and they advised I send a certified check made out to Countrywide Home Equity Loan P.O. Box 660625 Dallas, Texas 75266-0625. I went immediately to the bank and got the certified check and sent it back along with the cost of closing that I had agreeded to pay. Now I have to say that this was a Loan that the Loan person was "coming to the house to have us sign the papers. NOT SO. What they did was what they refered to as a MAILAWAY where the papers came Fed Ex, we went to the bank and signed in front of a notary and had to have them back to the lawyers (NEEL & ROBINSON ATTORNEYS AT LAW LLC) by 4:pm the next day. They are the ones that sent the check in full. Of course they couldn't help me and the representavive here couldn't help me either. Once it's done you can't find anyone to help you. On June 17th my check for closing cost cleared my bank so I called Countrywide to check on the situation. all the moniy was in the account HOWEVER--- THERE WAS A 10 DAY HOLD ON THE FUNDS WAITING FOR THE CHECK TO CLEAR. a CERTIFIED CHECK MIND YOU!!! HIS WAS TOATLLY UNACCEPTABLE TO ME AT THIS TIME AND ASKED TO SPEAKTO SOMEONE ABOUT THIS HOLD!!! I spoke to a couple of different people and like an idiot, I didn't write down the names. NEVER AGAIN! One women stated she would send a note to a girl who if she could release the funds because she had authority to do so, she would call me back. After a couple of hours we received a call stating the funds were released.
On June 21st I wrote a check to our contractor and he deposited into his account. On Tuesday June 28th I received a call from a girl stating that we did not have to pay the finance charge. I had no intention of ever paying that anyway.
On June 29th the contractor called and stated that he had several check bounce from his account because the check I had written was denied. I called good ole Countrywide and got no where, no one would give anyone with authority, I think they just passed me around the room. The last person said the funds were never released however, we were 3 way with my bank and the tell at my bank explained that the check looked like it had been around the world and at one time it was stampe paid and later cancel. I will be getting a copy of the front and back of this check. I am also writting to the Department of Banking and Finance in Atlanta. Today, June 30th I received a letter for good ole Countrywide stating they denied the check written on June 21st. That also must have gone around the world-- Ya think? That's O.K. Countrywide, You have not heard the Last of GWEN E. LEWIS, PALMETTO GA. 30268
I WANT TO HEAR FROM ANYONE WHO HA HAD PROBLEMS WITH COUNTRYWIDE. A CLASS ACTION SUIT IS NOT OUT OF THE QUESTION. I WILL BE INVESTIGATING THIS. AS FOR CLARK HOWARD AND OTHER OPTIONS I AM LOOKING INTO, THIS IS ALL TBA.

Left: June 17, 2005 By: Louise In: Atlanta

We have had nothing but trouble since Countrywide bought our loan from Homebanc. We didn't get our first mortgage bill because Countrywide sent the bill to the wrong address. You see, if your loan is anything but a fixed rate, your loan can be bought w/o your knowledge. We didn't know our loan was sold until we notified Homebanc that we hadn't received a bill. You guessed it, our payment was late because Countrywide sent the bill to an apartment. How dumb is that? Since then, we tried to stick it out with them. But they managed to stick it us again. We decided we wanted to buy another home so we called a countrywide loan officer for help. We thought he was so helpful. He told us to start looking for home in a certain price range. We did. I kept calling him to make sure everything was coming along. You know, paper work, w-2's, pay stubs, etc.. We found a house with a great deal. The homeowner was going to pay our closing cost, down payment, contribute $3,500 decorating allowance. Our agent tried to contact him to give him a closing date but she couldn't contact him. The homeowner's agent tried to call to confirm the date of the closing and the paparwork she had faxed to him. He wouldn't return the calls. So, I called him and he said he couldn't do the loan because we currently had a FHA loan and if we wanted 100% w/no down payment we would have to refinance. I asked him why didn't he tell us that before we started the process, he never had a reason.We lost out on a deal of a lifetime.
Well, we still wanted to give countrywide a chance, so we decided to refinance. That had to be the BIGGEST MISTAKE OF OUR LIVES!!!!! We started the process in March 2005 - We faxed paper work this loan officer . It seemed that he either kept losing it or didn't want to help us. He hardly ever returned our phone calls and he always had an excuse to why he hadn't been keeping in contact. Well, it's June. We havn't closed. We have complained to the branch manager as well as the VP and we haven't been able to get this loan closed. Since he has been taking his sweet time, every month he has been requesting a current pay stub and I think he has been pulling my husbands credit. I also think he believes my husband doesn't have a job. He's alwasy asking my husband to fax him a pay stub and told him that he had to have a full pay check. Come on, sometimes we do take off from work..so he may not have a full pay check. My husband's employer faxed him a letter of his earnings for each month and his rate. Do you know , that wasn't enough? We have jumped through hoops for this man and it hasn't gotten us anywhere. My husbands credit has since dropped 40 points because he keeps pulling it each month because he has been dragging this refinance! We found out yesterday that we may not get the loan now, although our loan #has been changed with our insurance company. I am so upset and I feel so betrayed. I want to say this is discrimination and I will be looking into this. It doesn't take that long to refinance. I think that people who read all of these comments should try to get together and file a class action suit. If not, then we need to go to the media. Clark Howard or Monica Kofffman. We need to be heard. The comments are great but if we don't do something about it, complaining about the same thing over and over won't solve anything. So, if anyone knows how to start one - please let me know. You can count me in. We need to stop this now. It's not fair. They are getting away with so much.

Left: June 14, 2005 By: Anna Maria In: Atlanta

Let me start out by stating that I did not CHOOSE Countrywide. I originally chose HomeBanc (which I highly recommend!!). First of all, we've been in our house for almost a year and it has not come on our credit yet! They keep telling my husband and I it will be on there in three to four months (this was seven months ago), the customer service reps don't know what they're talking about...they all say a different thing that is the opposite of each other.

When it comes to a home loan and purchasing a house...it's a huge responsibility and privilage, your home loan company should meet certain standards and make you feel secure. I do not feel secure, actually, I think our twelve year old daughter could do better than them!!!

Do not use Countrywide and pray that your loan doesn't get sold to them either!

Left: June 09, 2005 By: Tara In: Sharpsburg, GA

Our mortgage was sold to Countrywide about 8 months ago. We had refinanced with another mortgage company about 6 months prior to that and were under the impression that our Homeowners policy was paid out of our closing proceeds as we instructed (our fault for not reading the settlement statement). Anyway - we received a notice from out Homeowners Insurance company in November that our policy had not been paid and was due in full within 3 days or our policy would be cancelled which includes our cars, etc. We contacted our mortgage company who advised us that our mortgage had been sold to countrywide. They gave us numbers to contact them which we did several times with no response. We contacted our previous mortgage company back and asked what we should do. They suggested that we pay the insurance ($800 - hald of our mortgage payment) and have Countrywide reimburse from escrow. We paid the insurance in full and sent them 1/2 of a mortgage payment. Never heard from them and they accepted our check. The next month, we sent our regular monthly payment which they returned and said they could not accept partial payments. We tried several times to contact them again with no response. The next month, we sent our regular payment, they sent it back again. This went on for about 3 months when they finally sent a letter to us saying that if we did not pay the entire past due balance in full (now about 6k) that they would accelerate our loan and/or begin pre foreclosure proceedings. They refused to talk to us. We had to hire an outside agency to mediate with them, and they finally agreed to a repayment plan where we had to pay them two payments up front, then regular monthly payments which increased about $50 per month for 6 months, then they would move the remaining past due balance to the end of our mortgage. We are now in the 4th month of the repayment plan and we have paid the payments on the exact due date via Western Union Quick Collect every single month. Last month, the day before the payment was due, a man knocked on the door saying that Countrywide had sent him to cut our lawn and take pictures of our house. He said there must be a mistake because the houses that they send him to are already foreclosed on and vacant and he saw my kid's toys in the yard so he could tell someone lived there and he left. I called them four times before I got a return call and there response was that they reserve the right to inspect the property at any time which their paperwork does state, however, we were and are still currently paying as agreed according to the terms THEY setup and it seems to me that they are proceeding with foreclosure proceedings. Last week, I received a letter from them stating that according to our mortgage, payments are due on the 1st of the month and after 15 days are charged a late fee, along with a bill for $300.00 in late fees. According to our new "repayment" plan, our payments are now due on the 10th of the month and have been received on the 10th of the month each month. Also, according to the monthly statement that I received from them the same day, after 15 days, the late fee charged is $77.00 so I dont know where the $300 came from. I have called them 3 times and left a message to discuss this with no return phone call. I am concerned that if I now don't pay this bogus $300 that they will say we are in default and foreclose when we are doing everything they asked us to do. Not to mention we had to pay the outside mediation agency $1000.00 to talk to these people. We have now been trying to refinance our home to get rid of them and also try to get a lower rate on our mortgage. Our repayment plan began 3/31/05 and until then, Countrywide did not even list a mortgage on our credit. After we made our second payment under the new agreement, they reported the mortgage on our credit and stated that it is 180 days past due. Now NOBODY will refinance us and we are screwed!!!! I am also scared because of total lack of trust with them, that once we complete the repayment plan which ends in August, that they are not going to move the payments to the end of the loan and will show us past due FOREVER!!!

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: April 07, 2005 By: robert njoroge In: lithia springs,ga

my home loan went from 1187 to 1229 now its 1627 monthly. am told my property taxes increased and there was a change in escrow. i cant afford my house anymore its stressing me up

Left: April 06, 2005 By: Cindy In: Birmingham, AL

When we first bought this house we went with a local bank. Guess what? They turned over the mortgage to Countrywide. After having innumerable problems with them, the main one of which was when they managed to input a $423 check for $723 (it took me six months to get the $300 back. I kid you not, "lost" faxes, calls not returned, no one letting me know what was going on...) when we decided to re-finance we made the decision to NOT go with Countrywide, but instead went with Quicken Loans. Well, GUESS WHAT? It's being handled by COUNTRYWIDE!!! Now presumably my escrow was "figured wrong," amazingly enough they've managed to do this TWICE, as they also "figured wrong" on the original mortgage, so they're trying to go up on my monthly payment. I've sent them additional escrow which I am EXPECTING them to mis-post. This is how much I trust them to do their work correctly. Escrow's a rip-off anyway, I'm losing the use of that money while THEY'VE probably got MY money in some interest bearing account somewhere.

Left: March 15, 2005 By: steven In: salt lake city

I used Countrywide. It was the fastest and easiest closing I ever had. Fast and Easy loan Took only 7 days. Never had any problems with them. I've been through about 35 closings 3 of them with countrywide and I believe they are one of the top companies to use. I would say they rank about 8 out of 10. Remember that every company has awful employees, people are people. My experience shows that most companies are about the same with fees, the difference is usually how much the Loan Officer wants to make. They may give you a higher rate and charge little on the fees to make you think your getting a good deal, but in reality they are making a killing on the back end with the rebate. This is what I like about Countrywide all the rates and fees are right there on the website. My suggestion is to research what the fees should be and the currant daily rate. Also call title companies and Realtors they can give you names of good Loan officers (not all Loan Officers are created equally) Every company has rotten ones, And a good Loan Officer will make the world of difference. Talk to them and get references. A good indicator is how quickly they return calls. Nothing is more annoying then the ones who don't return calls. After I start a loan and if they don't return two calls within reason, I drop them, no matter where I am with the process because it usually goes down hill from there.

Left: March 12, 2005 By: wagb2004@yahoo.com In: Doraville

I had to leave my home in September to attend to a family emergency. I did not anticipate being away for an extended period of time, however I ended up staying away longer than anticipated. I had two loans with Countrywide, for two properties and I contacted the bank in November, because at this point my payments were past due. I was referred to their Work Out Dept, and contacted a rep, who began to discuss one of my loans with me, when the line was disconnected. I immediately tried to call her back, and got her voicemail. I made several attempts over the next several months to contact her, and left messages for a return call, but never heard from her.

I tried reaching another rep for help, only to find that a sale date of 1/4/05 was set for my property (not the one Ms. Jane Kimball and I was in the midst of discussing--although while we discussing the other no mention of sale dates were ever made).

I believe in GA the lender is supposed to notify you via certified mail--this mail was returned by the post office, and I never received it.

Now I am simply told that someone will contact me to allow me access to the property to collect my belongs.

Left: March 03, 2005 By: lwinfrey In: Decatur

Countrywide puchased my home about three years ago, I started out by paying with money orders, that was a mistake. My payments got posted wrong and no one can give me an answer, to what happen to my money. NOW, I am trying to pay them off and my payoff is about $8,000 more than what is on my monthly statement. It was for inspection fees, they say and supposely my escrow was short. Yeah right. If someone can help me, please do. I need to get out of this MAD HOUSE.

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!



Left: February 23, 2005 By: Offended In: Duluth

Countrylied is what happens when you put high pressure loan officers in an high pressure enviroment with more interest in their money than yours. A friend of mine had the pleasure of visiting their home office in Texas and would you believe they actually feel like they are the best. It's worth commenting that most Realtors I have met have developed a new name for Countrywide. They call it COUNTRYLIED. I cant begin to tell you how many customers have complained about how much junk fees are added to the final settlement statement. They have this loan called a HELOC that always ends up being more expensive than PMI because they don't tell you that the second of a 80/20 is adjustable with an unrealsistic add on to prime. They call it a piggyback, we call it a pig on your back. Oh. . . but wait, they keep it hidden for a few months with a low buy in and then SLAM you. I actually had a customer that wanted me to explain what negative am loans are. (where your payment isn't enough to cover the actual payment so they keep adding the principal to the loan amount) They did this a lot in the 80's but do lenders still do that? Come on, Have you ever looked at their construction to perm loan? You may as well give them a kidney because your liver won't be any good after you finish drowning your sorrows in scotch. In a world where lenders are a dime a dozen, Do youself a favor and stay away from the rat traps, bait and switch, keep you in the dark loans. When I confronted a loan officer that promised a client of mine the world she explained at Countrywide it's all about volume. She has to split her commissions so many ways she has to do a ton of loans. On the other hand we're all adults here, we weren't forced to sign, but at the closing table when your clothes are in boxes and you have already paid for an appraisal and They could literally sue you for the origination fee after you have been apporved. It's a little late to change your mind. (They know that I'm sure)I know of agents that will not use them, they will walk away from a deal before they do a deal that involves countrywide. Heres the sad news. They are not the worst lender out there. Be careful people, If the lender dosen't have time for you it's because the lender dosen't care for you. If your loan officer gets more excited about he loan program than his first child it's because your paying for his next vacation. A good faith estimate does not reflect adjustables it's only the payment when you close. Origination fees and discount points are the same thing to these guys (pre paid interest) or (Loan officer bonus) If a loan officer tells you it's an industry standard run for the door. Remember you are looking for the best not just like the rest.

Left: January 19, 2005 By: P. Dorcely In: Marietta, Georgia

Everything I have read on this site, may be very well true. I am sensing it. I am one of the victim on a home construction loan with CWHL due to excessive and hiding fees prior to closing. If there is a class action lawsuit I want to be part of it.

Left: January 11, 2005 By: vanessa.marve@navy.mil In: atlanta

I was in the process of buying a new home and my loan was approved but my realtor did not tell me who the lender was so After reading the articles on Countrywide who by the way was recommended to me as a first time home buyer you can bet I'm calling her first thing this morning before I obligate myself to some nightmare company. I will not be using Countrywide for anything. Thank you for keeping me from making a BIG MISTAKE for me and my Family!

Left: December 06, 2004 By: c In: ga

used countrywide mortgage as well.

settlement form information incorrect
promises to pay insurance, but did not, it was cancelled
tax information incorrect, wrong county, city
paid taxes late
many calls, many faxes, incompetent people, tries to intimidate
PLease note, there is a resolution department.
I agree with everyone on this site,however
also note, I never had a payment issue, paying primarily on line at their website, to make sure there was no issues of late payments.
worked very hard to make sure I didnt have this problem. it is a shame one has to take drastic measures, but this is the way the world works and you have to be one step ahead.
have to make it work for you.
ps loan officer was crooked, she has same name as I do and "and if you are reading this you know who you are!

Left: December 06, 2004 By: c In: ga

used countrywide mortgage as well.

settlement form information incorrect
promises to pay insurance, but did not, it was cancelled
tax information incorrect, wrong county, city
paid taxes late
many calls, many faxes, incompetent people, tries to intimidate
PLease note, there is a resolution department.
I agree with everyone on this site,however
also note, I never had a payment issue, paying primarily on line at their website, to make sure there was no issues of late payments.
worked very hard to make sure I didnt have this problem. it is a shame one has to take drastic measures, but this is the way the world works and you have to be one step ahead.
have to make it work for you.

Left: December 05, 2004 By: Erica Stewart In: Powder Springs

I just purchased my home two months ago and have lived in regret since the day of closing.
At closing Country wide added and extra $574 for PMI insurance even though no PMI Insurance
was disclosed in my truth in lending statement. If there is a class action suit please add
my name to the list. Countywide is a predatory lender. They changed my monthly payment and
added PMI insurance at the closing able with no warning.

Left: November 30, 2004 By: BM In: Macon, GA

Countrywide MAD Homeowner: I used my last check earlier one day in Oct. 2003, so I decided to purchase a money order for the first time to pay a bill. They claim to have never recieved a mortage payment and my money was never recovered. The strange thing about it is that CW's name was on the money order and that means that no other person could cash the money order. They took me for a ride and then they charge me a late fee three times as high as it should have been. I mortage rate changes from month to month and I just do not know what to do anymore. I'm so unhappy with Coutrywide Home Loan. The thing is that I didn't not know they would be the lenders before I recieved the loan.

Left: October 31, 2004 By: Adrienne and Ron Wilson In: Smyrna

Countrywide failed to pay the real estate tax last Oct(2003). Money was refunded May 2004 as overpayment of escrow. We did not know this was last year's tax money until our property was placed on notice in Aug. 2004 for auction scheduled for Nov. This cost us about $650 in penalty when we paid the tax. CW would not refund this cost which was their responsibility and error.


Left: October 19, 2004 By: Catherine Hubbard In: Griffin, Ga

I'm sure that my experience with Countrywide is not as bad as others but I felt as if I had been deceived. I refinanced my home to get rid of the PMI insurance and was depending on the Countrywide experts to advise me as to which loan was best for me. I was to get money out to pay off some other debts. At closing I was supposed to receive the money for these debts. As it turned out Countrywide had made an error and I was not able to pay off one of my credit cards. I was also given a HELOC and since I had never had one before, did not realize that I was only paying the interest each month. Recently I refinance with a different mortgage company only to find that I had a prepayment penalty even on the HELOC. I would not recommend Countrywide to anyone.

Left: October 12, 2004 By: Daphne In: Acowrth, GA

I recently have refinaced for the second time with Countywide. The orginal home loan went over without a hitch as well as the first refinance. The Second one however has been a nightmare. Me and my husband have a combined income of over 100K per year and we only owed 100K on our 15 year mortage. We were seeking to refiance and take out approximately 35,000 to do some home repairs and additions. We thought of using homebanc but thought we would give our current company a chance. The numbers sounded great and everything was going smoothly and we were to close with in three weeks. Me and my husband went on vacation the week prior to the closing and were coming home early on that friday to close on the home. They called us at 5:30 the day before the closing to tell us that we were unable to close because they had forgotten to get the home apprasal. this did not make us happy but we moved on and expected to close with in a week. The appraiser came and then a day later we recieved a call from countrywide that told us that basically that we had iver stated the value of our $200,000 home and that they would have to refigure the amount to see if they could "allow us the extra money out on the home" I had tried to contact them three or four times and guess what no one is availible to take my call. Its seems funny that only a week ago we were told by our bank that we could qualify to purchase a new home in our area for $350,000 through countrywide. It seems as if they have some weird ways our configuring their accounts.... BTW I am an accountant so I think I should know how to figure my income.
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