Carlye Fxc
map-marker Hampton, Virginia

My mortgage

My wife and i refinanced our home in 2006 I mortgage loan was subsequently sold to Homeq. we have been paying our mortgage on time. But not on the first of the month but before our grace period,but this company has been reporting our mortgage as late on our credit report since they dont recieve our payments by the firest of every month. we contacted them and they stated that they could do that. thus hurting our credit rating and score. But we have decided to seek legal councel on this matter. To resolve this. Stay away from this company.
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Anonymous
map-marker Worcester, Massachusetts

They are awful!

This company is what you would call the bottom feeders; they prey upon desperate comsumers and they have zero and I mean zero compassion and customer service. Your life and home mean nothing to them but a dollar figure and they will put the screws to you until you fold. Get out while you still can! I have had problems with payments and they make it so impossible for a person with hardships to catch up in a reasonable amount of time. I am a fairly tough person but they have made me literally bawl my eyes out everytime I have to talk to someone. I have not spoken to one nice person there. It must be a prerequisite to be cold and heartless.
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Anonymous

Homeq Servicing is a rip-off

I have been battling home q for 4 years. They said i was behind but i have two loans thru them and they were applying it all to one. They helped cause the bankruptcy i was in. I am now out of bankruptcy and i have been calling every month since the bankruptcy to make payment by phone and every month cofirming with quintella or uganda in the bankruptcy dept i was current. well now as of 102407 bankruptcy is completed they now say i am a month behind. It really angered me that their comment would be we sent you statements and I am responsible. The last payment made was 100407 for oct payment and 101907 i recd a bill stating that i owe for nov next; but when i called they say i am a month behind. You are unable to talk to anyone with any sense. on the 19TH I called to get an amt i owed with the amt they had in suspence taken off and after 45 minutes i still didnt have an amt. Is there anybody at that company that cares about customer service and accuracy. I am not someone who cusses but they bring out the worst in me. Is there someone that can help people like us who cannot afford legal representation but needs companys like this to be held accountable for their acctions.
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12 comments
Guest

I payed HQ off in 2009 but received a notice that I owed 230.00 more for pay off.I tryed to contact HQ but they had desolved the business, and turned over what was lefted to WellsFargo. I called WellsFargo and they only received a e-mail notice that my account was payed in full, but was transfered to Ocwen for escrow payment of $6.00 which had interest attached with a balance of 170.00.

After contacting Ocwen it was proven that I had payed off the account early and that they owe me money which I received a $6.oo check in the mail (I was told in the beginning from HQ that any over payment would be refuned in 26 working days) which didn't happen. After many phome call and promise I have never received a deed or abtract showing payment being made, but have received from Ocwen written statment say pay off was certain and then notized. I need a Lawer to handle this matter please contact me at: ivmarkman@***.com it has been over 2.5 yrs and no other contact...I would like to sue HQ for money and time lost not knowing or hearing from them or handle things in a business manner.

Mark V. Ivy

Guest

I say we gather up and sue for billions!!!!crooked as a country road!!!!!took money illegally.

Guest

My spouse and I lost our home to foreclosure in April 2009. We attempted a loan modification with HomeEq who was just servicing our loan.

It took me several phone calls to this company and a written letter requesting who our actual lender was; found out it was Deutsch Bank. My husband had emergency open heart surgery in March 2007 (he is a licensed contractor - 45 yrs. old) and was readmitted to the hospital one month later for another heart procedure. In March 2007, I knew immediately that I better send HomeEq a hardship letter documenting everything should we find ourselves in a position where we were unable to make our mortgage pymt.

My husband was out of work for approx. 8 months. I faxed 75 pages to HomeEq asking for a loan modification and/or a reduction in our principal because my husband was unable to work for almost one yr. Every time I called I was asked to refax the information to another dept.

I have a file that is approx. 300 pages thick. I spent approx. 4-6 mos.

on this and then in Dec. 2008 I was laid off from my banking position. We got behind on pymts because of medical issues and job loss. We had insurance but it did not cover approx.

$25,000 worth of medical bills that we paid out of pocket (came out of what little we had in savings). All of that information was faxed to HomEq. We had asked again for a reduction in principal amount to $200,000.00. Needless to say they did not budge and our house was sold at a trustees sale for $170,000.00.

Now, I ask you, why did they not work with us relative to the principal reduction of around $200,000 and instead ignored us and end up selling the home for $170,000 (plus any expenses incurred because of the foreclosure). Does not make much economic sense. Ours was really a medical hardship and all admission, surgery, prescription, medical pymts., etc. records were copied and forward to HomeEq.

They never wanted to deal with us from the beginning. We were essentially transferred from one dept. to another. I think their tactic is to wear the consumer out so that they are so incredibly frustrated they give up.

HOMEQ IS AN EVIL COMPANY! :(

Guest

Please Please call me with doing a modification through a attorney based modification company my number is 877-816-**** ext 2221 my name is Steve LoPresti

Guest

well this is rigth this company just want your property and leave you on the street where is the help they dont want to help you on anything they just want your property and see you in the street the Federal goverment is not doing anything against this Home eq ripp off where is the help for the people they dont want to give us a loan modification the give you the run around and pass the call to different customer services and they give you all kind of miss leading information and dont want to help with the money the federal goverment have give them they are a RIPP OFF for shure every time they call the first thing they said areyou ready to sell or what they ask for all kind of paper work we sended and some of them said you dont make enough the other ones said you make tomuch what up with all that the goverment need to do something about this lets get united and sen letters to our state congressman to help us otherwise we all gonna loose our homes and then what lets do it people!!HOME EQ is a ripp off mis leading people to foreclossure for sure!!ltes make those letter against HOME EQ...

Guest

yea.. we have probs with them too...sometimes i pay between 10-15 or each month cuz of the paycheck..but ***!

they call and call sometimes 3 times a day ...i am like.. i am not even a month behind just a few days and i have til the 15 to pay..

but they are calling and calling like i am going to run away with the house... they are *** and unprofessional too.

JP Flb

I guess it may be a good thing I'm not working for them. I applied to a certain position that I am very qualified and have experience doing. After being basically told through a friend of mine who works there that they aren't even going to look at my qualifications unless the person they hired is going to turn it down, which they did by the way because of lack of the person's pay requirements.

That pissed me off.

The second thing that pissed me off is that since the person turned down the position supposedly management told the supervisor that they didn't want to hire someone for the position after all. Now, if I was the supervisor I would be pissed and say "Thanks for taking time away from me doing other things that I could've been doing for the company." My friend told the supervisor basically that it's *** not even fighting for the position especially when they have someone that is qualified/has experience doing what they wanted done, did want to work for the company and is a loyal and hardworker. The supervisor's response: "Oh well".

So, instead of spending money playing games at work or doing "teamwork building" things during work hours, maybe that money should go towards the position that you spent time creating, posting on job sites and interviewing for!

Yeah, I'm pissed off, but guess what, maybe it's a good sign that I don't work for them or should work for them. The way our economy and housing market is going, they probably won't survive much longer.

Guest

All of those that are having issues like the sandra heasley for instance. If yuou made the payment to the taxing authority then make sure that you have your rec/pt if you do not request that you get another one form them..

Contact The tax department at homeq and tell them that you have proof that the taxes were paid and you will be sending it to them. If you paid the taxes prior to them paying them then they will be the ones to ask for a refund back from the tax authority in your area. Your escrow will be adjusted. In the mean time you can always ask that the escrow shortage be spread over a 36 month period that would reduce your payments while you are getting this straightened out.

This is what usually happens. The due date for your taxes are approaching and the mortgag company gets notified that they are not paid.. then they send out three notices that people usually disreguard instead of following up on with the company then the company pays them and so did the customer. It becomes a mess however can be straightened out.

If once it is straightened out then you should be back on track and anything that was overpaid would be returned to you. I am sorry for all of the problems that you are having if I can be of assistance please let me know

Guest

my story with HomEq goes like this, We like everone in america are struggling to make ends meet, I do my best to get my payments in , i post my payments on the website the first of the month to avoid them callilng me. Any way, two years ago, I paid my local taxes at the tax office. One day i was on the website and noticed they had a tax reembersment for the exact amount that i had just paid. I called them and asked them why they had a tax reembursment since they had never paid my taxes, they were not escroed into the loan, they informed me that they had escroed the taxes as of sept the following year. I asked why i was not informed before I made my payment, they told me they did not have to inform me. I was livid. then I asked for the refund, they told me to call my tax office for the refund. Wait it gets better. I called my tas office, they said that HomEq had made no payment to our home that month or any other , now I was really pissed not only was my money gone, but they did not pay the taxes either. So I called them back. They said they indeed did make the payment and the tax office was wrong, I told them the tax office had no record of any payment other than mine and the other taxes were also due that they said they paid, they told me not to owrry about the taxes that they paid them, I told them that id the state came after me, i would sue them.

The biggest *** here was when i was informed that my payment was doubled since they escroed my taxes into my loan, I went through the roof. My payment went up over $1000.00 a month , that is one whole pay check , and i have two loans with them, and the loan would not decrease until the escroe balance was in the positive, 2009, OH MY GOD , i though how in this world are we going to make it, We both tood another job for extra money.

Pissed OFF, i'm not pissed off, i want HomEq to go away forever!!!!!

Guest

OK our story starts out about a year ago, my husband got laid off and

didn't tell me he didn't make a payment that was Jan 07. When I realized this I immediately made good on catching up on thispayment, but Homeq kept calling me to pay fee's like appraisal fee's late payment fee's and foreclosure fee's they said I accrued, not to mention, our taxes were not to be escrowed but they went ahead and paid them, and we did too! They would not return the money and they are making us pay them back now at double payment. I paid them all and paid all payments on time the rest of the year.

In Nov 07 I'm calling Homeq asking why they had not cashed the oct.

payment? In a few days I got a letter stating they "Discovered an overage

of payment benefits You(ME)this upcoming holiday season" They said it was 1,200. in overpayment and enclosed was my Oct Check and a payment schedule of one lower payment for Nov and back to regular payments in Dec.

Again I find out my Dec payment (mailed early dec) was never cashed. Jan 8th we call to find out why they had not cashed it and my husband was assured they had it and dec payment was made! Yet it was not taken out of my account. That same day I get a call from homeq Collections telling me

"they can no longer accept payment by check and I would have to arrange alternate means of payment, and they were sending my check back, and ohh by the way your home is going to foreclosure Feb 25th"! This news put me

in a heart attack mode and I almost paid him thousands of dollars over the phone, but did not. I could not imagine what we had done wrong. TODAY I get a statement (I requested) from Homeq showing we are up-to-date with all our payments! We called there offices and they assured us it was all a mistake.

Reading all the bad report and bad news about Homeq's shady dealings and all the people having the same problems I am experiencing, I inquired about re-mortgaging our home elsewhere, and what did they find... Homeq reported to the credit agencies Jan 8th the same day, that we are under foreclosure (I was never served) and that all of our payments to them have been late! When I call the company I get nothing but a runaround and lies.

I am not going to let these people get away with this, is anyone else in

the process of any legal action against them? please let me know. These people are crooks, and Wachovia owned it now it has now been bought by an over seas company Barcley of the UK and we understand they are in financial trouble also they have to be held responsible for Homeq's unscrupulous behavior. anyone please help....

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Jasiah Muh

RE: HomEq Servicing

Every employee at HomEq is trained to lie. They admit themselves that they do not get paid very much to service our loans. We are fighting them too. We made 2 electronic payments to them. They sent letters to us stating that the checks were "dishonored". About a month later after I filed a complaint with the BBB they sent me a reply that the "account not found". First we heard of this. They say it took 14 days to find this out. LIE! Electronic check takes one day to go through and they would have found that out then if the account was not found. Yet they send the second check through with no new information from us. How did we know that they did not give the bank the correct numbers? If what they said was true then why would they send the second check through? We even tried to call them to see what numbers they had on record for our account and they refused to give them to us. Not suprising. They didn't have anything down. They had no intentions of sending them through. They wanted us to be in arrears.
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Guest

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Guest

We do not send checks thru twice, and it takes more then a day for a check to be prosessed. We send it to the bank the day you make the payment, but when the bank sends it thru and sends US a returned check is out of our hands.... geesh

Guest

I, too have a mortgage through Homeq, and I have never in my life had so many issues. This is not my first mortgage---I have perfect credit with all my mortgages, except for Homeq! I had no choice on having a mortgage with this company. Like with most mortgage companies, ours was sold from Wilmington Finance (who is now part of legal action for misrepresenting funds on closing costs).

We are human beings. We all make mistakes, and we all have problems due to the economy. Layoff's in America are causing many people, especially those over 35 unable to find work that is at the same compensation as to what they had before. Some jobs, like my husband's (he is a bus driver) are affected by freak weather that we have been experiencing for several years. We get sick, and get huge bills causing us to have problems with our finances, and then fall trap into using credit cards to pay our other bills--like our mortgage when there is no income coming. This is something the mortgage companies need to take into account and, instead of immediately trying to take more money from us (when we obviously don't have enough as it is), and instead, work with us in order to pay our debts, so we get back on our feet again. Let's face it--foreclosure is no good for anyone. The company loses out, the person that owns the house loses everything, etc. Isn't it much more logical to work with the client than to condemn them, harass them and finally, take the property that ends up hurting everything, including our economy.

We were on time and always early on our mortgage with Homeq for years. Then, Colorado had heavy snow storms, that ended up closing roads from Kansas for weeks. This happened in November of 2006, and my husband is a bus driver. He could not work, and doesn't get compensated unless he does. This is an act of nature. There was no other work at the time. The bus company he works for has ski charters all winter, but were unable to continue until all the roads were opened again.

We fell behind one month. I immediately called Homeq, and explained the situation. I talked to a very nice man that told me, I could go on a payment plan for 6 months, which helped us immensely. He told me that, I could skip December's payment, and then begin the repayment plan in January. I praised God for this, for it helped us immensely. Again, this was only ONE MONTH that we were late. We had no paychecks coming in until they cleared the roads from Kansas to Colorado--about 2 weeks, before drivers stranded in Colorado could get back and the new charters could start going through (many charters were canceled afterwards because of this).

The rep was very understanding, read me my rights over the phone, told me I was being recorded, etc. I got confirmation in the mail and began repayment--and also began a nightmare with Homeq.

What the rep failed to tell me was that, my grace period no longer applied during repayment. The letter I received also has nothing on it to tell me this. My husband gets paid every 2 weeks, so his check didn't come in until January 2. Well, the repayment was for Jan. 1. I paid the mortgage on January 3, but it didn't clear with homeq until January 6th, even though I had a confirmation number.

Instead of putting on my credit report that I was 30 days late, they have that I was 6 months late, even though I was on a repayment plan. Because I paid on the 3rd of January, I was in breach of my contract (supposedly) and was marked late AGAIN because of this.

When I called to argue this and get it off my credit report I was told that, I was late and I was disclosed this information when the employee talked to me. I told them that, it was recorded that day and to listen to the entire conversation. If it was told to me, I would apologize and not go any further. However, I took my tax income and paid off my one month that was late in February, and should not have marks on there for being late in December, January AND February. I was told again that, they couldn't review the conversation for it was already gone (since it was recorded in December), and that, even though I was paid up, I was still considered late, due to the repayment contract stating I was to pay on the first of the month, as told to me "over the phone", which I know was never told to me.

So, even though I paid at the end of December, on Jan. 3, and paid the arrears in FULL in February, I still have negative marks of being late--even though I have electronic check confirmation numbers to PROVE I paid as stated.

To make matters worse, I sent a payment, electronically on March 13. I received a confirmation number as well, and it was directly sent to Homeq. However, it wasn't credited to my account until March 15--again, putting a LATE mark on my credit report, even though I have proof of payment on my checking account of it being transferred immediately.

So now, I have one of the lovely ARM's, which I figured I would just refinance when the time came. Thanks to Homeq, I can't refinance because our credit is so poor, showing 4 months of late's, even though I only had one month of late. I have investigations going through all credit reporting agencies, and am fighting this. However, I still cannot refinance until this is taken off my record--this brought my credit down to 582, which makes it very hard to refinance with because we are not rich enough to own a 401K, the employer we have doesn't offer one, and with a credit score now that low, we can't find anyone that will take the risk--why? Because, it is the MORTGAGE we were shown late with!

I will say this--I have never had a bad rep call me. They are always very nice. It is the company I have a problem with, and what they are doing to the people that have loans through them. I also get called on the 1st of every month. I am now paying electronically on the 31st of the month before--but it isn't being credited by Homeq until the 2nd. My grace period is still the 15th, and I am paying early..yet, I still receive a call every 1st of the month, where i have to read the confirmation number to them, every time--and then get an apology for the call (you would think they would record this and check for incoming transfers, before putting us in for a collection call).

I am disgusted. We had good credit until this all happened. This was a freak issue with weather, and we immediately took action and called Homeq to let them no. We never tried to not pay our debt, but tried to work with them, which we thought was happening. Ever since, it has been pure ***.

I am a Christian and I know I must be responsible for our debts. I have never, once tried to not repay my duties. I just could not do it on the date it was due, and tried to explain the circumstances--yet, only got into hot water because of my honesty and wanting to make things right. How can a company do this? What good does it do for everyone involved?

The foreclosure rate, due to arm's is supposed to rise this coming year, unless the government does something. If this happens, our economy slide even more. I don't know how I am going to pay the 250.00 more a month for my loan, so I can't imagine how those who are really struggling, due to loss of income are going to survive this either. The only ones that will make out on this are the ones that make money off of the misfortune of others--greedy landlords that take the property for nothing, fix them up a bit and resell them--or these mlm companies that sell you foreclosure lists and then have you try to bid on these houses (which is almost impossible, since there are the wealthy that can make cash payments that day, and you just can't outbid them).

We need to all get together and fight this company. Heck, I don't know who to write but I am willing to get on the podium and start fighting for what is right and stopping what is wrong. Homeq should offer a refinance for those unable to pay for the arm rising rate. They should offer SOMETHING==after all, their site insists that they value their customers. Is it the customers that they value, or their wallets?

Sorry, I went off on a tangent but..This is so wrong. I am praying that, someone in government takes a look at these practices and realizes that, something is desperately wrong because of so many having it happen to them (and it not just being those that truly are deadbeats), and force these mortgage companies to do something so our country does not go into foreclosure ***.

God bless you all that have gone through it. You are absolutely right, no matter what "employee" says you are not, and I have a checking account that can prove it, as I am sure you do to.

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