Aurora Loan Services

I applied to refinance my condo in 2011 and was denied the loan. I called a number of times and got the runaround. Finally, I was able to contact a supervisor and was told that the loan was denied because "they didn't refinance loans on condos in San Diego." I almost fell on the floor. I am going to try and refinance again now, 2/2012, and see what happens this time. This company should not be allowed to manage loans.

I lost my husband and my hours at work were cut to where I could not feed my kids. I applied for a loan modification and filled out all the paperwork and they gave me a reduced monthly payment to make until the modification was final. They asked me four times for the same paperwork in a 2 year period and just kept telling me to make the reduced payments. Then one day I received a letter that said I did not live in my house and was denied the loan. They reopened it when I called them and filled out the same paperwork again. Then, I got a letter that all the back money was due now and the loan was denied. I then got foreclosure notice and ended up moving in with a friend, be tossed out of my house. I then got laid off from my job and had to file bankruptcy and moved to Oregon to live with my brother's family until I could get back to work and start all over again. I had over $100,000 in my home that they took from me.

As I read through these complaints here it just amazes me that there are so many. I am absolutely sure that there are hundreds that are not written. My story is similar. My battle with Aurora Loan Services has been gong on for over 2 years. I literally have piles of paperwork, denied 4 times for a modification. Each time it was a different excuse and each time I had to send the same paperwork over and over again. All this and I wasn't even behind on payments. I was just trying to get some help and get out of the ARM loan so that I would not be upside down in the near future. They made me an offer that although I wasn't happy with it I said I would take it and while waiting for my contract they were in court filing for an eviction notice. People we can write all we want on here, but unless we expose them to the news media or our government I do not believe this is going to do any good. Go to court and get some information as to your legal rights and what else can be done. Exposure is what Aurora Loan Services does not want. Most of all, pray. Don't give up. Pray for justice and keep pushing forward.

We submitted our paperwork in August 2011 for a Loan Modification under the Obama Plan. We were asked to resubmit paperwork several times over the next few months, which we did and I got verification from my fax machine that all pages were received by Aurora.

On 01/10/2012, they once again asked for our bank statements, all pages, but at this point I wanted to speak with someone. I left a message for Carmen **, who called me two days later and left a message as we were not at home. I called her again, left another message and have not heard from her since! On 01/20/2012 (not even 30 days later!) they sent a letter informing us that our request was denied because they had not received the documents requested of us!

These people are dragging their feet in the hopes that the program will close before they do anything about reviewing your request! I am fed up, sending a letter to them and cc'ing HUD and the California Consumer Affairs and might even consider a Class Action suit against them. Like many of you, we started with Countrywide the loan was sold over and over until it got to these crooks!

I have endured much frustration with Aurora Bank FSB for almost a year. They hold the mortgage on my primary resident which flooded in September 2009. I finally received confirmation that my house was approved to participate in the FEMA Flood Buyout program in December 2010. I contacted Aurora for a payoff statement and to grant my attorney authorization to my account in January 2011. My attorney called and called to get information on a contact person to address the short sale of the property. It was not until April 2011, when we finally were advised to submit paperwork. It was submitted in April 2011. They came back asking for Tax Returns. I submitted them. We received no response for months. I had to re-submit the paperwork again in August 2011. They constantly came back asking for more documents every 2 or 3 weeks and each time they were submitted. Then in October 2011, I was told that the wrong package was submitted. I submitted the package that they sent to me. I submitted the new package.

Finally on November 9, 2011, I was advised that the package was not exactly what was needed but close enough so it would be submitted to the Underwriting department. I would hear something back in 30 days. They waited until December 7, 2011, when they asked for an up-to-date P&L Statement for my business. I submitted it on December 22, 2011 and have not heard back from them until January 2012. I received a letter dated December 21, 2011, stating that my alternative for foreclosure has been closed due to it does not meet their requirements.

There are at least 3 different departments (loan, loan migration and insurance) involved in which none appear to be communicating with the other. My house is going into foreclosure because Aurora Bank will not accept any agreement for the house to be paid off by the FEMA Buyout or provide any amount for the sale. This does not make any sense to me. They would rather the house go into to foreclosure than it be sold short. Does this make any sense? The FEMA Buyout Program is supposed to help people like me but Aurora does not care. I had paid a mortgage on a house that I cannot live in, move or sale until June 2011. The house has been condemned. What does Aurora expect for a person to do in this case? I need some assistance with Aurora poor customer service and bad judgment in this case like so many others. I need a short sale approved by Aurora.

This is Robert **'s, Century 21 Hometown agent's email to me, who gave me Nancy ** name to do a short sale for me. I had warned her I had Keller and Williams in ethics board meeting as their two realtors, Kate ** and Jason **, after my mother and I bought a brand new unit at ** Arroyo Grande CA, called Ocean Oaks condominiums.They did not disclose upstairs had installed their own hardwood floors, after our repeatably asking that the HOA does not allow second floor hardwood floors.

Kate ** lied, and upstairs neighbors told us Kate told them to do what they wanted before an HOA could tell them no. Then when they realized how badly it was installed, they sold us that unit, as we were moderate income. Then, when we could not tolerate the noise any longer, as it was all night. The lady upstairs has insomnia. The Ocean Oaks HOA did nothing as the builder and brokerage did not want anyone to know of their mistake.I took them to ethics board.

Read that they would have to tell me if they hire a lawyer. The board of realtors never told me they had a lawyer. Cindy Doll, CEO of board of realtors told me the board is the one who judges. I sat there in this ethics board meeting, my mother and I. The lawyer played a private tape of me pleading with Alan **, owner of KW as to why his realtors would not sell my condo. He never replied to any of my phone calls, but did allow the lawyer to use one phone call, where I describe my health issuers for all the board to hear.

So, their reason to not sell my condo was my illness, and they fabricated I had been to a mental ward.They got away with murder. I cannot sell this unit. I had to rent it out to someone who used to be a lawyer, and said she could quiet upstairs down. It did not happen. You could hear the man upstairs urinating in the morning. That was how bad the flooring is. I had not one second to rebut anything while they hired a big time lawyer.

I have contacted fair housing as no one knew I was disabled. if they did, they would not have discriminated. Now, I asked for a short sale. Nancy ** did not even have the respect to call me, or email me. She was sitting in my living room, giving me high compliments, and reassuring me she will do this as I wanted to be very honest about my past experience with Kate and Jason KW brokerage. They did not disclose the bad flooring, and tried to sell me another unit, when I had not been approved by any lender. I spoke the truth. I was scared and not too trusting.

She assured me she will do a great job. Robert also told me how many she does, and she is amazing with short sales. Here I sit, 6 months later, now even longer. This is the answer I got after finally getting a hold of Robert **. They did not want to take me. You think maybe she could have called me to explain why. I had all the paperwork done. I have been discriminated by KW and now by Century 21. Now, I have to take these two to the ethics board. I am sure nothing will happen to them, as NAR does not protect the consumer. Below is what Robert wrote:

I referred you to someone I thought could help you. From what I got out of it, Nancy looked at your situation, and feels that it just won't work. Lenders don't always grant short sales to everyone. There are conditions. Furthermore, realtors work with agency relationships. This means that we choose our client, and our clients choose to work with us. I am sorry we couldn't work this out, and that you are upset. I wish you the best of luck. Robert **

I thought I'd explore HAMP at Aurora, but after reading these accounts and others I don't believe I'll be going down that road, although I've seen some positive experiences. Since I didn't read anything here about a class action suit, but did at ** from last year, and I thought I would share the following information, since it seems as though people who have recently experienced difficulty with ALS, are not aware that there is some sort of legal action being taken:

1. Written by Lenore on January 23, 2011

You may qualify as a putative class member of a case filed in federal court. It is free to join the class. A stipulation and temporary restraining order has issued in this case. Please email me at ** or call ** if you want help.

2. Written by L. ** on January 23, 2011

If you received a temporary HAMP modification, made all of your payments on time, but were denied permanent modification, you may be a putative class member of a federal action that was just filed in federal court. A temporary restraining order and stipulation has been entered in the case which you may seek protection from foreclosure sale. It does not cost you anything to join this lawsuit. Call ** or email **.

3. Written by Freddy ** on December 20, 2011

After 12 months, and making payments to save my house, I was declined for mortgage modification. I started back in December 2009. I send my payments on time, using cashier's check for the next 3 months, and I got declined because i was trying to do it through the Obama deal. Anyway, after that, they told me to keep sending payments, because they were going to work on a another option. I just got a phone call today, 12/20/10, and they told me that I didn't qualify, and I need it to send $3,600 today. I just fell of my chair. I told the lady, "you have to be kidding, you make me send payments for 12 months, and plus you are charging me late fees every month, I just got my Christmas bonus from Aurora/Obama". Any ideas what to do next? Help!

4. Written by Aurora Victims Come Join The ** on August 21, 2010

A Federal class action suit was filed on 8/18/10 against Aurora for fraud.

After 5 attempts to refinance our home from an interest only loan to a regular loan, we were forced to put our home up for sale. We were told our house was not worth what we owed and that a short sale was the only option. We have had 3 buyers, and 3 buyers have walked away because of Aurora. We provide the correct documentation as soon as it is requested and then the waiting game and voicemail. The first offer would have been a $20,000 recourse. Now we are well over $100,000. This company made it impossible to refinance when our credit score was at 800 and we have paid over $65000.00 in interest charges.

They told us the quickest way to pass a short sale was to stop paying on the house. We did and had a buyer at the time. That was 1 year and 3 buyers ago. This should be stopped before they ruin any more lives. We could afford our house when we bought it and like so many others, we have fallen victim to the hardships of this country. For a company to be so unreasonable in the way they handle the situations like ours should be stopped!

I have a question about Aurora Bank. Recently, we fell behind in our mortgage payments. When we bought our house 6 years ago, we overpaid, and it needed and still needs a lot of work. And now, its value dropped significantly. Anyway, we are behind in the mortgage payments. For over a month, I've been getting a run-around with them getting further behind! And all I want is to make payments to catch up, to make my mortgage current. They are not letting me do so first I have to bring this to a supervisor. Then I heard I will be getting the paperwork so I can start payment. Over a week went by, nothing. So I called back, and the lady told me the information was never sent to the supervisor.

So she said she should be getting it and to check back in 48 hours. So today, I get a knock and I'm served with paperwork to appear in court for a foreclosure date setting. I frantically call Aurora back, asking about what's going on with the stuff so I can start making payments. The lady told me the supervisor denied it and it will have to be resubmitted again. Denise will call me to get financial information again. What? Why! Do they not hear the words coming out of my mouth? We've been here a little over 6 years. Recently, we fell behind, temporarily, but now we can catch up and trying to make payments and Aurora is not letting us, a huge run-around!

Someone help! We don't want to lose our family home. We've put so much money into it in work and repairs. We have young kids. It's depressing that the house is not worth what we overrated back when we bought it, but still it is our home that we don't want to lose. My husband and I are getting so scared now, especially being served today, 3 days before Christmas Eve. We have been reading horror stories online about Aurora. We need help desperately! We don't want to lose our home!

I purchased my home in 1999 from Countrywide, then later over the years, I refinanced, and Aurora got the lien. My spouse lost her job in 2008, and it was impossible to make ends meet. I tried numerous times to get a modification with Aurora Bank, so I could keep my home, but they would not hear it, or they didn't care. I had no choice but to file chapter 7, and in the process of losing my home. It's a shame that with all the foreclosures and no jobs in New Jersey, and homes being lost, that no one from the senate, or congress, or goverment steps in, and stops Aurora Financial from their criminal acts. I am now about to get thrown out of my home. I am just waiting for the eviction notice. It's sad!

I was promised a modification. They requested large payments. It was impossible to meet their crazy demands. I tried three times and all failed under their self-serving system. I got professional help to assist me with the modification. They would not discuss any modification with my representative. The representative has been working in modification for years and has never experienced such uncooperative people such as Aurora. Aurora foreclosed on the property in about a month after.

We have been working with Aurora for over a year trying to modify our mortgage ahead of adjustment. It is the same thing every monthsend more of the same. Is anyone doing anything about this company?

I just got turned down for a HAMP from Aurora. They sent me a bill along with the denial, $205 for property value fee. I called them and they agreed that nothing I signed agreed to paying an appraisal fee. But they were charging me anyway! It is listed right next to their disclaimer about how all fees and charges are stated in advance etc. There should be a law. Oh, that's right. There is a law! There's just nobody to enforce it.

6 loans modification requests were denied. Reasons? I was making too much money, I was making not enough money, papers missing (3 times) and the last one, the investor (Deutsche Bank) has capped his quota of modifications. Plain lie since my loan has been sold in a trust, the "investor" has been paid off. Aurora wants my house. They are starting the foreclosure process. As long as the Courts will side with the banks, the homeowners will be robbed in plain daylight.

I own a home totally deeded in my name and the mortgage is in my ex-husband's name alone. I started trying to negotiate with PNC Mortgage as soon as he stopped paying the note. At first they said they wouldn't work with me. Now they try and pretend they are. I will fight the foreclosure with all I have. I sent in packages 8 times and have gone through a mediation where they are still reviewing my documents. It has been years and all they do is keep putting me off and fabricating new charges. They even submitted a document to the courts that showed a workout package that they never offered me. When my attorney said we would take it, the banker said she had no idea what we were talking about. They are crooks and should not be allowed to get away with this treatment. I have asked 3 times now for a loan payoff amount and can not get one.

My wife and I tried to modify with Aurora Loan and went through a two year nightmare. Just as everyone has described, first they offer the Modification, then they tell you to miss a payment to be considered, then the pattern starts, paperwork always missing, resubmit the same info, a merry go round of touch tone recordings and then a real person who's job it is to give you conflicting info and pass you off to the next dept. that has no idea what is going on. We also have equity in our home and believe we became a target to steal it from us.

We managed to borrow money from our kids and reinstate our loan, but it id not end there, even though we did not use impounds on our original contract, they imposed them on us without our consent and claimed we had an escrow shortage, they said our original contract did not matter and they could do whatever they wanted. Now our payment has gone 30% plus impounds. The clincher came a week ago, two county doc's were never sent to us while we were trying to reinstate our loan, the amount asked for in the foreclosure doc with the county was 40% less than what we ended up paying their crooked lawyers. Even though the doc's were directed to us from the county, we never saw them until after we reinstated our loan. Also , an underwriter told me on the phone that we were denied because of our net income, and couple of days later a letter says because of our gross income, catch "22".

My story is much like everyone else. I was lied to by Aurora loans. They did not communicate. I was kept hanging for months in a short sale that they originally agreed to and then changed their minds 24 hours prior to closing. My realtor says that she has never worked with any organization like this. Same complaints as the other realtor who posted. We worked on the sale for nine months, then after they changed their minds, they told us that the time had expired for the sale and we needed to resubmit everything, which we did. However, it was never acknowledged and the house was foreclosed after two years of this mess. I was left in limbo. If there is a lawsuit, I want in. Please advise mortgage brokers not to work with this company.

I am a realtor trying to close a short sale and it has been over two years! The admin negotiators ask for the docs, they get turned in, by,ut when you try to call and confirm receipt, the person would say, "Oh, no. We are missing docs. Please send this, call and confirm." Sometimes, they would say, "Oh, no. Now, we need this." I would say, "I already sent that." And they would reply, "Those are over 30 days old, we need current. Resend all the docs again." This vicious circle has gone on since 2009.

Meanwhile, the monthly HOA fees are adding up to include late fees and attorney fees. After two years, they want a hardship letter. I told them, "I gave you one two years ago!" They would say, "Oh, we need a more detailed one." I replied with, "It is a page long with three paragraphs. How long and detailed do you need it to be?" By the time that gets turned in, they are now looking for updated docs, bank statements and pay stubs. And it goes on and on and on.

After over two years, I got angry and the negotiator said, "We just received this file 60 days ago." They have to be the worst! And I do a lot of short sales but the only two that have taken two years is Aurora. Why can't the investors or someone reviewing them fire them?

I am with everyone else on this matter with Aurora Loan Services. I started this process in April 2009. And I am still going at it. I will not give up! First, it was your missing paperwork. I have copies of everything I have sent them. The pile is growing. Then, they told me not to pay the full amount, even after I told them I could afford the full amount. But I, at the time, owed 3000.00 dollars. I got divorced. They would not accept payments that were not full payments. Now, I owe more money. I just found out two days ago. I should have been sending them money, plus after 3 months (so that would have been Aug. 1, 2009). I should have gone back to full payments. What the heck is going on? I need help keeping my home. Sorry for the jumping around. They make me really upset.

Aurora Bank has ruined my life and my credit with their games and lie. They are criminals. How can I sue them for fraud? Please help.

Instead of re-typing my experience with ALS, it seems like saying "ditto" would suffice to all the other homeowners requesting a loan modification. Documents are always lost, and you never hear back until after their "30 day" rule. You never speak to the same person. You can't email them. You don't get a last name or job title. Every time we agree to send another "missing document", it is to another fax number, on and on.

It is clear that the tactic is to confuse and frustrate all consumers through this process so that we will give up. The final thing that made us say F was when we got a letter dated a day before we got a call, requesting "4506T" to deny us because of missing documents. My husband said, 'No more documents. No more games. Just foreclose." Now, they are calling repeatedly. Funny thing is, we didn't hear from them for 3 weeks after we initially submitted our package. So, we will filed a complaint with the SEC and we intend to do so with the Attorney General as well.

Lies! Lies! And more lies! I was given the approval by Aurora to sell my home as a short sale. Three offers were made, and in March 2011 my realtor sold my home to well qualified buyers for $1,000 more than the asking price that was set by Aurora.

My realtor and I have contacted Aurora countless times by phone, fax and email but they refuse to return any of the calls or answer and email. The buyers are ready to walk! This Aurora nightmare has caused severe health problems for me. I would not finance a dog house with Aurora bank! If I knew what lawyer to contact, I would sue Aurora bank. What they have done to me is criminal!

People, don't forget that the law firm who work with these crooks (such as Aurora) are just as bad. They are unethical and will do anything to win, including lie, cheat, steal, etc. One law firm, out of many, who do their dirty work is Morris|Hardwick|Schneider. My house is still in foreclosure.

Aurora Loan Services, LLC told me to stop paying on the mortgage. They gave me the run around on a loan modification and ultimately foreclosed. I've been in a legal battle for 1 year now. It's been one emotion roller coaster. We have a super active group, named Aurora Victim Network, on Facebook. We need to unite!

They made me lose two years of my financial status. They made me go under a nervous break down. I spent money for nothing. They never did anything to help me. My loan was not modified. My debt is bigger. And they really don't care. I researched. I did not find one loan modified by Aurora Loan Services. Also, they do not have a way of following up with underwriters. This is totally illegal. I have tried several times to follow what they asked, even though they denied me. Please help us bring these people to court. We bailed them out. We are in the deepest debt because of this bank's false business practices. And they do not help us. Please let them see the force of our justice.

During mediation, I was represented by my lawyer (who did nothing), the mediator (which I found out today 8/17/11 also took no notes regarding the mediation) and Katrina **, Aurora Mediation Specialist. Prior to mediation, I faxed all the documents required to Katrina; during mediation, I took lots of notes and asked many questions. In the end, Katrina presented us with an offer of 2% for the first two years, 3% for the next year and 4% for the remainder of the loan with a payment of under $1,200 beginning March 2010.

The payment was sent in the amount of $1,200 monthly to Aurora Loan Services until June 2011, when Aurora decided that they will no longer accept my payment and refunded my June payment. For one year, I've been in contact with Aurora via constant phone calls and emails to Katrina in hopes of obtaining the final loan modification documents, which includes the terms agreed upon during the mediation.

So my fight continues. I phoned my lawyer who represented me at the mediation only to be told that they have nothing to do with this. Their job ended when they represented me at the mediation (but I still do not have any notes from the mediator). So I decided to call the mediator, only to find out that he does not have any recollection or documentation of the details from the mediation. He further stated that the agreement is only binding if there was a signed contract. So I asked him, "Who is supposed to ensure that I receive the detailed documents from the bank stating the agreement?" He responded, "The lawyer and the mediator." I remembered asking Katrina during mediation, "So, when can we expect to receive this in writing?" I was told, in the presence of both professionals, "In a few days." But no one said anything.

It gets better. After about three months, Katrina advised that I would need a subordination letter from my second mortgage holder. I said, "No problem." The second mortgage company said that they will need three documents from Aurora and a $250.00 fee. The request was sent several times to Katrina via email. The fact that Aurora agreed to pay the fee and send the documents requested are all in writing.

To date, I still do not have a copy of the signed loan modification documents from Aurora. Apparently, they did not send the fee or the requested documents. Also, the mediator does not have reports about the mediation while the lawyer said that her job was done. Keep in mind that since mediation, we have made many upgrades to modernize a 20-year housethe same square-footage house sold for $135,000 and which I owe between two mortgage companies for $315,000. Is this worth fighting for? We have always been hardworking, law-abiding American citizens until the games began with Aurora. May God help us all!

I tried to get a modification through Aurora Loans. The process started in 2/11. I got the denial 1 1/2 weeks ago. And the foreclosure sale is 9/2/11. They kept saying they needed documents that were already faxed to them. I have a stack of papers that were faxed to them, which cost me $1 per page to fax. This happened over and over again. They said I need to come up with $16,000 by 9/2 or they will have the foreclosure sale. I have 2 people that were trying to get modifications. And the same thing happened to them. One couple decided to just forget that house and finance another house.

How is that possible? Modifications are harder to get than a loan to buy a house. I have had things happen like the death of my youngest son (he was 12 years old). It was negligent homicide against family members. Aurora Loans (excuse me Aurora Bank now) needs to lower the standard because Obama is making home affordable program. And it is because people are having hard times right now. The standards they require is for someone that doesn't have financial problems.

I feel they want to take my house. My house was appraised in 2005 at 429,000. Now they say it's worth 340,000 and I owe 180,000. This means I have 150,000 equity that I will lose. How is that? I don't understand how loan companies can do this to people. But the rich elite have control over the banks and what they say goes. As it stands right now, I will lose my house in 19 days. I have a 15 acre farm, 2500 square foot home, 3 car garage with carport, feed barn and a huge barn we use as a shop. Please advise me what to do. I have no clue.

I am a professional realtor, and my intention is to complain to every regulatory entity about this company. I have been working on one short sale in the state of California for five months. I have only once been contacted by a representative of this company. I call every day to receive updates from the rotary operators, who are limited to information recorded by other operators or negotiators, but have no personal knowledge of any kind. Every time I send in paperwork, I am told it will be another 30 days before it can be reviewed.

Both the buyers of the property and sellers have been living in limbo; for more than five months, with no end in sight. They both have families and children who need a permanent address in order to go to school. The buyer had made arrangements for their current home to be rented, and had to cancel that agreement; so, involve a third party hardship. If there is any kind of class action suit involving this company, I am sure both buyers and the sellers would appreciate being contacted.

In 2008, my husband and I lost our jobs. I immediately contacted the Hope Now organization, as Aurora was not yet listed as participating in the government loan modification program. When Aurora finally decided to participate, it was a very frustrating process. There was a lot of anger, sleepless nights and stress, on whether we would ever get our home loan modified. The customer service department sucks to say the least, especially when they know you are struggling. I would suggest to anyone, who has them as a loan servicer, to be persistent. I called them every week. Most importantly, I wrote to them, because it goes to a different department. Also, I spoke with the Hope Now people who were very supportive. I did finally get my home modification, but it took 1 1/2 years to finally have it processed. If there is a Home Affordable event, were all the lenders come to your city to help with loan modification, that is an event to attend, even though it might be depressing. Also, be very careful of ads for lawyers saying that they can help.

I'm writing on behalf of my elderly, disabled mother. I have never in my life seen such disarray and mind games these individuals have put my mother through! Their 'scare' tactics, threatening, ** they've put her through is a complete sin! The length of this ridiculous myriad of lost paperwork, which she has copied all that she has sent through the years, has been all she can take! My father and two of my brothers have passed away through this.

Nothing has come of this! I truly believe her health has deteriorated to the point she needs more and more nerve medicines. Her state of mind is unspeakable! Fortunately, we have many family members who are attorneys...really good ones. My mom is so embarrassed that she doesn't want to go the route of family attorneys.

I was approved for a "deed-in-lieu" by Aurora Loan Servicing in January,2011 on a property that I could not maintain because of a loss of income. I agreed to a settlement of 18,000, which I have been making timely payments on since. It is now August, and the house still has not transferred out of my name. I have made numerous calls over the past few months. People tell me that I don't need to worry, that everything is approved. I get a letter today stating that i owe 173,000, which is 30,000 more than the original loan.

Rashi Dunbar is the clown who is handling the case who NEVER returns my calls. I was even told once that the file was in the hands of the county recorder. I spoke to the recorder today and he said it has not even been filed yet! This is the most frustrating experience with a company that i have ever had in my life!! I did everything they asked...it is time for them to hold up their end of the agreement.

I have started my Modification process back in 2009 and i paid them up front $2300 and I made each single of the payment that we agreed on. within this 2 and half years I have provided them each single document maybe more than 20 times. each time we call to ask them the status they ask for the same document over and over . They have all my tax returns maybe more than 20 times. They have denied me twice but the funny thing if they accept the modification base on current reduced monthly payment I would be able to catch up and pay on time with no delay. I have not missed even one reduced payment for the last 2 & half years. They gain denied me few months ago and I hired a lender to help me and still nothing. Some one need to over look their process. It seems to me they are doing it to every one and they are running a scam vs business. How could they get all the money from Government and refused helping home owner with financial difficulties. some one need to get on them.

I was unemployed for 16 and a half months. We applied in September 2010 for the 'Making Homes Affordable' program. In November, they advised we would be updated by December. We were finally advised that we were approved and we needed to make 3 on time payments. We completed that in March 2011. We called for the final paperwork. Now, I was in the middle of a divorce and they told me I don't qualify on my own, but if they send me the paperwork and if I could have my husband sign it, they would "push it through" for me. Seth called again and said that, because April was within the next week or so, they'd need April's payment before they could "finalize" the modification. My divorce lawyer told me not to make any further payments because he felt they were playing games. We're now in the middle of July 2011, but I still got no reply from Aurora. No statements, no communication - nothing. Although I did receive a notice that they were changing their name and that they want to "look forward to continuing the same type of service I've come to know."

I want to express my frustation with Aurora Loan they have done nothing but play with my emotions and take my money for over 2 years now we have been trying to get our loan midified, all they have done is asking over and over for the same documents wich we keep sending them over and over they should have at least 20 copies of each document they have requested and we even call them to make sure they got everything and the answer is allways yes it shows in the computer that we got your fax! but they just wait until time is up to say that they are missing information and over 2 years later they denied my loan modification because of missing information. We gave them $1800 at front to start with the process and kept up with the payments they requested and kept faxing the documentation over and over and after all they denied my loan modification.

As all of the phaverevious complaints, we too have the same problems. They sent us a package of papers to fill out, which we did. A month later we recieved another letter with another packet stating we did not fill out the first one properly. We filled out the paper work (exactly as the first). After five times of going thru this, one of their letters stating we forgot to put a check mark in dark enough. Each of the letters we made copys and attached them to each copy we sent back certified (because they said they never recieved them).

All packets were sent certified from the beginning. The last letter recieved stating we did not send hardship letter which was included in all the packets sent to them. we then sent a hard ship letter to them.This has been going on since December 2010. They called us and said we were accepted and were putting a package together. A month later we recieved a letter saying we were denied for a HAMP. We called them and they refused to work with us and were very nasty and arongant. Now they want to foreclose on us. I can only picture the execs are having a good time with the bail out money that was issue for the borrowers benefit

I fell behind in my payment when my husband passed away. I immediately called Aurora Loan services to let them know what was going on. In the process of all these I had to leave my job, yet I still had a supplemental income coming in. I wasn't able to make the mortgage payment the month after his passing but I caught up.

In the past 2 years, we have been going in circles regarding a modification. I faxed the documents required and yet they say that they have not received it. I recently received a letter stating my house is going back into foreclosure. I am fed up with playing games with this company. How is it that this company was able to stay in business? I would think that you would want to work with your customers rather than threaten and take someone's home away. Also, when I spoke with them they told me I had not made a mortgage payment in 2 years yet they cannot provide me with documentation to prove it.

I changed jobs in January of 2010. I had previously been working two jobs and made about $100K a year. I am now making 42K a year. I lost my second job and had to relocate for the new position.

I contacted Aurora Loans about making some type of arrangement in October and put the house on the market. I was told they couldn't do anything until I stopped making payments. I continued to make payments until February when my take-home monthly pay was exceeded by my mortgage payment. I contacted Aurora loans again. I was told they could do nothing. I asked about making partial payments but was told it was all or nothing.

In the meantime, I got an offer on my house that was $150K less than what I owed. I agreed to short sale as by now the house is appraised at about $200K less than the peak value and about $100K less than what I paid for. After months of jumping through hoops sending and resending the same information, the offer was refused. But Aurora did submit a counteroffer that they would be open to accepting. In the meantime, I tried to make a partial payment and was told that it could not be applied to the mortgage.

I have since learned that if I had made partial payments, it would have been beneficial to my credit and helped me from a negotiation standpoint. But I, too, believed Aurora when they told me not to do it. Now it is too late and I am too far behind. I have asked to have the phone transcripts reviewed where they told me not to make the payments but that request has been ignored. A second offer came through, meeting the requirements of Aurora Loans. Again I was asked to resubmit the same paperwork several times. I was given a 24- to 48-hour turnaround time but Aurora took months to get back to me or my realtor. They do not return calls and you have to make an appointment at least two weeks in advance to talk with someone who is actually with the company and not part of the call center. They kept requesting the same bank statements again and again. I was getting very frustrated until I finally realized they thought I had hidden bank accounts, which I did not.

Ultimately, after about a year, they refused the sale even though it met their own counteroffer. The refusal came after I agreed to pay them 10K over five years and they originally agreed to the offer. We were three days from closing before they informed us they changed their mind. Like the others, I have been in this mess for about two years now. I have liquidated my retirement to pay off other debt. I have no real home and my credit has been shot because of these unethical people. They want to foreclose for some reason. If I had to do it over again, I would just walk away. That way I would still have money in the bank and a home I could still afford.

The value of my house was $599,000.00 three years ago, now the market value is $399,000.00. And because of lost of income, I have being to do modification for over 16 months, Aurora loan services continue to play games, keep requesting for the same items every month, only to be denied. If there is any company out there who is not willing to assist home owner, I think its AURORA.

I applied for the making home affordable program with my mortgage co. and they are charging me over 6,000 dollars for them to tell me that I was denied. Then they raised my payments 225.00 dollars. Thay are ripping people off. How is this right?

I am disabled and have to support my parents, both of whom are in their eighties and both disabled. I have been trying to get my loan modification done from Aurora Loan Services for the past 2 years. I have sent the documents to them several times but to no avail. I have submitted everything that they asked for. Added to my stress from my health issues, I have this constant and repeated threat of foreclosure made by Aurora Loan Services on the phone and through the mail.

A few months ago, I was put on part-time at my full time job. I have a mortgage modification loan. I called Aurora to let them know that my income had been cut almost in half and was there anyway I could pay interest only or skip a month or anything that would help my situation. It has been almost 4 months since my pay cut and I am really feeling the crunch now. I am still current with my payments; however if I do not make my payments right on the 1st of the month, Aurora starts calling me every day at least twice a day. I consider this harassment. I am not even late. Now this month, I do not know when or if I can make my mortgage payment. So the saga continues.

I lost my job April 2010 and did a modification with this company back in September 2010. I spoke with Jack ** and he said that my loan amount could not be changed. They actually tried to increase the loan amount and during the time my spouse asked when will the payments start. We were told that we would receive our new payment book in the mail. We never received anything. However, two months later, we received a call from Jack saying we are two months behind again and tacked on over $107.80 late fees each month. I did speak with Jack about the miscommunication, backing that up but there was still nothing. How can companies get away with this type of procedures? I can't wait til we get from underneath their boot, this is crazy! Aurora Financial Group Inc are crooks and making up their own laws.

I have spent 2 1/2 years attempting to obtain a loan modification from Aurora Loan Services. I have been asked to provide documents repeatedly. And I was told that I must sign a forbearance and meet all terms and conditions. I did everything Aurora asked. They have denied my requests repeatedly. And they have now ruined my credit and chances for a refinance with any other company! My last request for a refinance from them has been ignored. I want to pursue either an independent lawsuit or a class action in the state of California. Can someone please help me?

My mother fell behind on her home loan payments due to financial hardship. We contacted Aurora Loan Services and set up a forbearance agreement in which she made regular quick collect payments on while she waited on a reply about a loan modification. For months we waited, then we received a letter in the mail saying the house was under threat of foreclosure. We immediately called Aurora who told us they never received a mortgage loan modification application from us. I told them we did and I was talked to in a way in which I was being made to look stupid. Then Aurora told me that my mother would have to reapply for another forbearance agreement and in doing so, she would have to pay an increase and also have to reapply for another loan modification agreement, which we did.

The loan modification agreement they offered was the Project Hope Agreement, an agreement they offer via a recorded statement each time you call their toll-free number. I accepted the terms and applied with the aid of my aunt. We did all the paperwork and submitted it to Aurora. Aurora contacted us and said it was incomplete so we submitted again and again. From 2008 to 2010 we sent loan modification applications to them. Then around Dec 2010, they sent us a letter stating that we were denied a modification and the matter was now closed/ We contacted Aurora and they stated that we never applied for the Hope Loan modification, but in fact applied for a secondary modification offered by Aurora themselves, something never before mentioned or discussed in any previous conversations. I told them that I never applied or asked for any such secondary modification and was told it was always a Hope Loan modification.

I was treated rudely and was told that I was mistaken and that they had no record whatsoever of our applying for a Hope Loan modification and the matter was closed there was nothing further to do. So I contacted Project Hope directly and also made a written complaint to the North Carolina Commission of Banks. Not long after, a yellow notice was posted on my mother's door requesting a call from her to Aurora. This time they tell us they had made a mistake and see that we did apply for the Hope program, but they only could find one application for it, and asked if I would be re-applying. They then sent a full copy of my mother's loan agreement and payment history to the Commission of Banks, too, which I believe, makes it seem as if we were lying about the account of events.

They also sent them a note saying that the case was still under review until Feb 2011, but in a letter sent on Dec 22, 2010 to us the review was over.. We were told by someone in Project Hope to continue to pay our original forbearance agreement, saying that in doing so, Aurora could not state that we didn't continue to pay the agreed amount on time. On Jan 5, 2011 we sent in a payment but Aurora declined the payment. We have filled out new forms and sent them to a consumer mortgage service recommended by Project Hope but we know Aurora will do everything in their power to foreclose and deny all our complaints of their misdeeds in this matter.

I am writing you on behalf of a 76=year-old widow named Frances **. Mrs. ** is about to lose her home due to mortgage fraud with Aurora Mortgage Company. She has always made her payments on time until Aurora told her they could do a loan re-modification for her. She was instructed by Aurora not to make any payments for three months.

Unfortunately, Mrs. Frances ** thought she was doing the right thing. Aurora is now going to foreclose on her home as of January 4, 2011. Mrs. Frances was only doing what the company instructed her to do. From doing some research on this company, she is not the first person Aurora has done this to. Mrs. Frances is absolutely frantic that she is going to be put on the streets. The only thing I want for Christmas is for someone to help this elderly woman out. She has paid on this home for years and was never late. Aurora Mortgage Company preys on unsuspecting people and then forecloses on their homes.

Please reach out to Mrs. Frances and help her in any way you can. She has been calling everyone and every organization she can find to get some assistance and has come up empty handed. She has even called The White House. This woman is very determined, but continues to hit roadblocks every direction she goes. Please feel free to contact me. I beg you to try and assist this woman before she is put on the streets.

My name is Alberto **. My family and I live at **. Due to the economic crisis we are facing, I had a reduction in revenue and it caused me to get behind my mortgage payment. In 2009, I tried to get assistance from Aurora Loan Servicing Company but I did not get any helpful solution. I then went to a modification agency and they misled me and took all my money with no positive result. I continue to contact Aurora, at last they requested documents and I comply, following with calls to the modification department and they would advise me it was in review. It would be followed by the Making Home Affordable program.

Furthermore, I was in dismay when Aurora modification department informed me my property will be auctioned on 12/10/210 with no regards to what they had already asserted on my modification. Aurora is claiming the documents were not faxed within the time limit before the auction. I am in disagreement because they were faxed on 11/30/2010, the sale date is 12/10/2010. They dispute it has to be within their guidelines of seven days. I was not made aware of these guidelines or seen it in writing. I insisted that Aurora postpone my auction and continue with the modification under the Making Home Affordable program I had been told I would be receiving.

I want to file a complaint against Aurora for misleading and for the lies in which they are conducting the modification. How can they advise me I am not within their guidelines when Aurora does not follow the guidelines of the Making Home Affordable program themselves? I request an investigation for the unlawful practices and processing of the modification they are doing. Thank you.

We applied for a homeowners' loan modification nine months ago. We accurately filled and submitted all paperwork - to the exact letter. I'm a professional, financial paperwork is my specialty. It was perfect. Since then, Aurora reps have lied to us so many times, every week since. This is what happened today; we got this letter; "You mailed your huge mortgage payment to the wrong address, please don't do that again." It holds up the cash coming into us.

My reply; "Listen fungus weed, the reason we send our mortgage payments to that address is because your reps lie like a rug! Many dozens of times they said we need to send a form 4506 so they can get IRS info. First, you had the tax info and the form nine months ago. We've even tape recorded several of your guys admitting it. We tape you (after six months of BS) because of the constant lying, usually about this form. A form that in our case, isn't necessary and was already added to our file many, many times. This last letter only shows more lying! Here your guys are still demanding this inapplicable form long after we've mailed it many times, faxed it many times, e-mailed it many times, sent it registered mail (return receipt) many times, and finally, to stop the lying, we send it attached with our mortgage checks each month!

They're still lying thru their teeth though; "Sir, we never got the form! "And now, here they are, caught red handed lying to us again; "Hey butt weed! You cashed our checks! The form went to your office, you gave me the address. The checks were cashed two months in a row! You mean to still tell us you didn't get your unneeded form. We have long since retained a H.U.D (U. S. Housing Authority)counselor to supervise this BS. Nothing's come from it except the same old thing we always get; 'Your application is complete and you'll get an answer in 3 or 4 days! Then, a week later, with no answer, the same miserable thing happens again; like the movie; Goundhog Day.

Sir; we need one form that's missing! It's outright fraud! They are deceiving us (by lying) out of our time, our money, and our commitment .So yes - if there is an attorney looking for a class action member - write me (Fred) at **.

I too have been betrayed by Aurora Loan services. I filled out the loan modification package in Aug. 2010 and faxed it to them. About a week later, I received a letter from them stating they received all of the documentation necessary except proof of rental income from another property I have. I immediately faxed that to them the same day. I got one more letter that requested a signed 4506 tax form which I also faxed to them immediately. I then continued to call Aurora Loan to check on the status of the loan modification and I was repeatedly told that they had all of the necessary documentation, and I would receive and answer by November 8.

The next thing I knew, I received a letter saying I was denied because they did not receive all of the necessary documentation. I called them to say I did send all of the documentation and to ask what they thought was missing and was told by "John" that I had failed to fill in the tax years on the 4506 form. I was shocked. This was something they clearly could have filled in themselves or called to notify me that it was missing. Then he proceeded to tell me that my house was now in foreclosure and had a sale date of Jan. 7, 2011. This was done without even one notice to that my home was in foreclosure, no court date, nothing. When I confronted him on it, he told me to re-fax the modification package to be reconsidered.

Is there anything we can do about these fraudulent practices? This company is preying on the people who need help the most. I am willing to join a class action against this company or file one myself.

I applied for a loan modification and work out plan with my mortgage servicer, Aurora Home Loans, on September 2009. On June 23, 2010 (8 months later) and after many conversations, documentation, correspondence, I received in overnight delivery a modification agreement for my signatures, notary, and to overnight back to them.

I also had to attend budgeting class which I did on 07/07/2010, all per the agreement with Aurora. On 08/02/2010, Aurora sold the servicing of my loan to LBPS, a subsidiary of IBM. I contacted them several times inquiring about the modification, as the new company did not have in their records of a completed agreement. On November 21, 2010, I received a call from LBPS, indicating that the modification with Aurora was null and void and never executed by them. Therefore, I am in arrears of over $25,000 and they are calling my mortgage note effective immediately.

I called Aurora several times. I called their legal advisor in TX. There is nothing they will do as the loan no longer belongs to them. I made every payment on time as part of my agreement. I did everything they asked me to do. Now I'm in jeopardy of losing my home and the roof over my family's head.

I have a home mortgage that I wrote with Lehman Bros. From the first payment I have been dealing with Aurora Loan Services. I have never been late with a single payment. In April of this year, 2010, I sent in my payment as usual and checked my bank account on line to be sure that the check cleared on time. Aurora cashes the checks electronically so I never get their checks back. They cashed the check for the wrong amount. Somehow they missed a number and didn't get the full amount.

I called them and pointed this out to them and asked them how they were going to correct it. They wanted to have me send them a copy of the check so I did. Then they said that they had to see the back of the check to see their endorsement. They cash the checks electronically and there is no back of the check with endorsements. I pointed this out to them and the circus began. I now get phone calls and letters telling me that I am months behind in my payments and that they will do all kinds of nasty stuff to me if I don't pay their late charges.

It is now November and this farce has been going on for eight months. I have had my attorney write their legal dept about this matter and they do not reply. This week I have to meet with my attorney on another matter and I will instruct him to file suit against Aurora. Once I file suit I will not settle with them out of court.

My story is almost like everyone else's story that I read. Aurora Loan Services is a sleazy operation. One department does not know what the other department is doing. You get the run around and no one cares. My story dates back to September 2008. My mortgage was over $3,470.00 monthly. I tried myself with Aurora to refinance to a lower rate. It was impossible. I filled out documents that kept not being received or misplaced over and over. I need to lower my payments since my roommate moved out and I was paying this on my own now. So, I went to a reliable and recommended loan modification company which started with Aurora Loan Services, but they too found them difficult. So by June 2009, I finally had a loan modification I could afford and was put on a trial period of three months. Everything was going great. And every few months, my modification would keep getting lower and lower until January 2010. My modification got down to $1,740.00 per month.

I never missed a payment, paid prior to the first of each month. I always sent my payments in by Western Union Quick Collect, so they couldn't say it wasn't received on time. All of a sudden a few days later, I got a letter from Western Union saying to pick up by money, and that it had been returned from Aurora Loan Services for the month of May 2010. My loan modification company immediately called Aurora Loan Services and asked why. They said it was because I had screwed up three times but cannot pin point when or what and started to foreclose on my home.

Next thing I know, I had a court date and I went to court to fight it and lost. The courts wouldn't even listen to me. I asked the judge if I could ask Aurora one question and she said yes. I turned around and asked them, "How can you take a home away from a person that has followed all the rules and paid everything on time and turned in all the documents you needed on time and just kick them out?" They did not answer and the judge said I was in the wrong court to ask that question? What? So, my home of nine (9) years was taken from me in a flash.

I think if half of this country could afford an attorney, we would have had one to begin with. It is a shame what the banking and mortgage industry has done to the American people. They have made us feel unworthy. They should be the ones punished, not us. I hope one day, somewhere down the line, this will come back to haunt them. There should be an attorney assigned by the government to sue each mortgage company for the American people, instead of bailing them out with our tax dollars.

I have sent the loan modification not once, but twice. The 1st time, they said that the signature page was missing. The 2nd time, the package was incomplete. We filed bankruptcy and the payment + mortgage were too high. Now we are in foreclosure. We also can't refinance because Aurora ruined our credit. This house has been in the family for 50 yrs.

Thank you for this service. Aurora Loan Services bought my loan from Bridgestone who bought my loan originally from ResMAE Mortgage Company. I did a loan modification with ResMAE in February 2009. Since this loan modification, I have not been 30 days late on any payments until now. I received an itemized statement with added-on fees that were deferred in the loan modification of 2009. A balloon payment of $3000 plus. I contacted Aurora about the tacked-on fees and told them I did not accept these terms and would make payments on the original modification.

They also for a long period of time charged me above the agreed amount, which was to be an escrow account for taxes. My taxes are not paid and now they are forcing me into foreclosure on my home. I am a senior citizen living with my disabled daughter and they are causing undue grief and the loss of our home. It is like making a deal with someone under a hardship and taking it all back from the modification in 2009.

My house is in need of repairs, plumbing and the carport is leaking and there is black mold all over the carport. I started making repairs on the plumbing and was hit with the balloon payment. I complained and received an itemized statement with fess incurred in the modification that was deferred in 2009. They are putting undue stress on my life and now taking my home and hiking up the principal $20,000. It is companies like this that have caused a lot of problems in the housing industry. I was paying my payments on time and trying to recover, and with their actions are causing foreclosure and possibly bankruptcy in my life. It is unfair and I protest.

I had fallen behind in my payments for 2 months. I had managed to get a majority of the back due amount, and had called Aurora to see about paying them 3/4th of the back due amount. They went about setting up a forbearance agreement for the remaining balance that would have been caught up with over 5 months. They instructed me to send in the amount I had via certified funds and sign and return the paper work they were sending me. They said I could expect it in approximately 2 weeks. It was all good. The check went out to them that very same day. Then the wait for the paperwork started. Two and a half weeks later, the packet arrives.

I signed and mailed it out to them approximately 3 days later and thought that we are all good. How wrong I was! A week and a half after sending the paperwork, I received a letter from Aurora with my cashiers check attached, saying that they are returning my money because they never received the signed agreement. Needless to say I got right on the phone. I found out that the paper work did arrive, but it was a day after they had sent me back my cashiers check, and that I hadn't sent the check to the right place, that the paper work was to go to one address and the check to another. It seemed like a simple misunderstanding. The gal on the phone said she would resend the packet and that I should wait till I get the packet and send in the check and the signed agreement at the same time. It would again take the 2 weeks, but that things were fine and they would honor the same terms as before.

Three weeks later, no paperwork. I called in and inquired as to the status of the packet I was to receive. The guy on the other end of the phone said they have no record of my last inquiry and that they had no record of any agreement. I explained the whole situation to him, and he isn't very cooperative and tells me that I will have to go through the whole process again. The only thing he can attribute my problem to is the fact that there was no record of my last call and forbearance agreement. He said that around that time when I called that they had had some "computer problems". I am very concerned at this point and I'm going through the whole process again. To make a long story short, here, similar excuses from Aurora happened 2 more times with my check being sent back to me and no progress being made, a total of 4 times.

I am out of the country at this point. I have a friend in my place while I am gone. I received a frantic phone call one day saying that they have received a notice that the house was sold at an auction 5 days earlier. The whole time I had been trying to negotiate with them, they had been proceeding to foreclose on me. No notice of the impending sale was made or received by either myself or my friend who was staying in my place. I am happy to go into greater detail with this if we were to have some grounds for a class action against this company. I have another friend as well who is dealing with Aurora and to no surprise is getting jerked around left and right by them. I hope that there is some recourse for all of us against this evil double dealing company.

Back in 2005, we almost lost our house. We contacted this business because they said they could help. Well things fell apart and we had to file chapter 13. It was discharged and everything was paid out. Our account # no was **.

My family and I live at ****. We have been living here for 12 years. In 2009, with the bad economy we are facing, I had a reduction in my wages. I am an independent truck driver. I started to get behind on my mortgage, I have been trying to work with Aurora Loan Servicing for more than a year. I have continued faxing documents to them when requested. I was always advised by the representative that I was under review. On September 3, I get a letter from Aurora Loan Servicing to let me know they have received all the documents and I am in review for a modification.

On October 22, **** my wife proceeded to call Aurora Loan Servicing for a follow up on our modification and was transferred to a supervisor named Christine. My wife, not understanding English too well, asked for a Spanish person. The supervisor stayed on the line with the translator and requested that the translator tell my wife that why was she asking for a modification that we were not going to be able make the mortgage payments because we owe in back payments of $86.000. My wife tried to explain that we were only behind by 7 months and that this amount was wrong. The supervisor Christine screamed at my wife and told her she was stupid because she did not understand that we were not going to get any modification because we could not afford the payments and we were behind on our mortgage and how could we catch up to make the payments. The translator apologized to my wife for the rudeness of this supervisor. My wife started to cry and could not continue with the call.

I was outraged by the insulting way they treated my wife. I called in for an explanation. I explained to the representative what had happened. He checked the file and he was looking for the actual paper work in the department. To his amazement, he found it along a pile with other loans with a red flag placed on top of them. He could not figure out what this meant. It looked like they were not being attended to but just left sitting there on purpose. The representative spent about two hours with me trying to investigate what was going on but could not get any answer. He just advised to re-fax all the documents again. I am outraged by the practices of Aurora Loan Servicing management and by the manner they have disrespectfully treated my wife.

I am requesting a total investigation inside the offices of Aurora Loan Servicing on why these files are being left on the side and placed with a red flag on them. I would like for Aurora Loan Servicing to terminate the manager named Christine. They can review all the phone calls since they are being recorded every time you call in. My wife refuses to call Aurora Loan Servicing. She is emotionally distressed with what took place. I am requesting that they restore our loan modification for the Making Home Affordable program since they denied us without any explanation. Thank you.

I originally had a loan with Washington Mutual and Aurora Loan Service bought my loan from them. I have a Neg Am loan and dealing with Aurora has been the biggest nightmare I have ever encountered. I had one hell of a time getting a loan modification from this company but when I went to renew the modification is where things went wrong.

I sent Aurora Loan Services a new completed loan modification package for the renewal. I have followed all their rules and was told as long as I make those reduced payments every month that we would have no problems. Several weeks ago, Aurora Loan Services contacted me and told me that they have kicked me out of their loan modification program. They said I have an incomplete package. I asked, "what do you need?" "Well, you no longer qualify," they replied. I told them that I am still unemployed and that I still don't have a job.

That was the same situation I was in when I got the first modification. I sent updated information to them, tax returns, unemployment stubs and so on. I call back 3 days later to see if they got the fax and they tell me they got the fax but now I am in active foreclosure. "What do you mean active foreclosure? I haven't missed a payment," I asked. They told me that they notified me through the mail and that they have started proceedings.

I asked to speak to the head of their department and her name is Tatanasia. I was given and address in Indiana but her fax number is in Colorado.

These people are criminals and I have filed a complaint with the Attorney General in Colorado and California. I am also going to contact the Federal Bank Regulator. Our government bailed out Wall Street with our money. Please see to it that the guys on main street get help but getting off your ** and shut this institution down. No one lost their job at the SEC during the Madoff scam. I want to see the bank regulators do their job and put these guys in jail with Bernie.

In the past 3 years, we have had some financial problems. We have always paid our mortgage. About a year and a half ago, we started the process of doing a loan modification. In the past year and a half, we still don't have a loan modification even though we have given them the requested paperwork at least 5 times. They have temporarily lowered our payment but not permanently.

They have kept on stalling over this time even though we met all the qualifications and have given them everything many, many times. This modification should have been completed a year ago. We have at least 3 friends who have not made their mortgage payments in 2 years and their banks are working with them. We know several people who haven't paid and can't afford their homes but they are getting help. Recently we had to file bankruptcy, but we still have not stopped making our mortgage payments. Now they are asking for all this other stuff that the attorney wants $1500 for and we can't afford.

If they did what they should have done, the modification should have been done way before we filed bankruptcy. Not only have they not approved the modification but that have been downright mean, rude, degrading, insensitive. My husband is on disability due to depression and this whole process with them is making him even more depressed. They are so frustrating. We feel that they are purposely stalling so we will either stop paying or that they will not approve the modification so we will have to go back to our original payments which we can't afford.

Please help, we don't know who or where to turn to. We just want to do what is right. Obama gave all these corrupt banks money to help the people of this country, and all these banks are doing nothing to help the people. They are tough, making people feel degraded and fearful. We have always been upstanding people when it comes to our finances. We never had credit card debt, we were never late on any payments. My husband is a mortgage broker and our income has dropped 70%. I have had to go back to work full time.

We did not want to file bankruptcy but we just could keep up. Doing the bankruptcy is humiliating enough, Aurora is just adding to it and I think they are purposely doing it. They have ulterior motives and they are not good. All we are trying to do is keep our house and raise our kids. We are upstanding people but we are now in need of help and we are not getting it. We are not Obama fans and we did not support the bail outs, but since the money was given to these banks to supposedly help, us we deserve the right to be helped.

We fell behind in our mortgage and called Aurora about modification and they agreed to send us modification information but sold the property instead without notifying us properly. They ended up buying the property back. We hired a lawyer who was supposed to do a modification. The first time we went to court, the judge ordered Aurora to work out a modification with us. Aurora refused to do a modification and the second judge ended up siding with Aurora and Aurora refused to modify and as a result we lost our home.

They are very good at stalling and saying paperwork is missing! I have been trying now for 2 years to get my interest only loan modified so it doesn't go into foreclosure. I even tried a deed in lieu. They said I qualified. They said a lot of things, but of course no modification! They have lied from the beginning! Everything takes 120 days and just before the 120 days is up, suddenly they are missing some paperwork! And it starts all over again. Waiting months until it has turned into years. Someone needs to look into their bad practices.

I was told by an attorney they don't have to modify the loan, but they can't string me along for two years promising to help. Let's all get together and make Aurora Loan Services accountable for what they have done and continue to do!

Aurora Loan Services are incompetent, fraudulent extortionists. When my husband was laid off, the first place we called when he got reemployed was Aurora. We enrolled in the government mortgage recovery program, for which we qualified. My husband turned in all the paperwork, and we started making payments right away.

Keep in mind, we borrowed money from relatives and cashed out all our 401-K-type stuff to keep paying them the mortgage. We only missed a couple payments while my husband was laid off, despite the fact that he was out of work for many months. After confirming that they had the paperwork, we were in the program, etc., we made the payments as planned. We never heard a word that anything was wrong. We continued making payments.

Three months later, they called to say they were missing a couple pages of the paperwork. My husband faxed it again, confirming with them that they got it. Again, they said they had the paperwork and everything was fine. We, as always, continued making payments on time and for the agreed amount, which was the same amount our mortgage had always been. Three months after that, they called to say they were missing a couple pages of the paperwork. My husband faxed it like before. He confirmed they had it. They again said they had it and everything was fine. Three months after that they called to say they were missing a couple pages of the paperwork. My husband faxed it. He confirmed it. They said everything was fine. Six weeks later my father-in-law called to say that our house was listed for auction. This was a complete surprise to us, since they told us everything was fine and we had received not one single notice or indication that anything was wrong. They told us everything was fine every time we talked to them.

The only reason we knew about it is that my father-in-law's friend follows the foreclosure/auction list because he buys investment properties off that list. If not for him, they would have sold our house without our knowledge, and we would literally have been homeless. My husband spent 8 hours on the phone with Aurora. He talked to supervisor after supervisor. Finally, the person he was talking to admitted they had given us no notification of the auction and that we had made every payment. Unfortunately, their paperwork mistakes meant that even though we made every payment, they had reported us as having failed the program and were counting us as delinquent on the mortgage from the time of my husband's layoff even though we had paid them what they had said to. Having actually admitted a mistake (something Aurora almost never does no matter how many times they make a mistake, from what we can tell), my husband convinced them they couldn't auction our house without notice or reason. They then said, yes, they shouldn't auction it and all we had to do was pay them $30,000 to stay in it. What? That much money for a couple missed payments and a recovery program that they botched?

He talked them down to letting us stay in the house if we payed a double mortgage payment that month. We paid it, borrowing money from my mother-in-law to get us through to our next paycheck. Of course, we've been short of money ever since. My husband completed the appropriate paperwork and confirmed they had it. We thought it was over. We thought we were okay. We have made every payment on time since that incident, just like we made every payment on time since getting enrolled in the government program. In fact, I'm wondering if Aurora botched their paperwork on purpose so they could get bailout money, our money, and still sell the house.We were a little panicked after they almost "accidentally" left our family homeless. We contacted a real estate agent, and filled out the paperwork with Aurora to do a short sale on the house. (We're too scared to stay here if Aurora has their hands in our mortgage.) My husband confirmed with them multiple times over a 2-month period that they had the paperwork for the short sale, partly because every time he called, that's all the information they would give him.

A few days ago, Aurora called to say they didn't have all our paperwork for the short sale. Big surprise. My husband faxed and confirmed it again. Well, I just found out a couple hours ago that the house is again being auctioned. After they admitted their mistake, made us pay a double mortgage payment, and have continued to take our money, they are still auctioning the house despite telling us they had stopped that process. Most of all, I'm mad that we were the good, law-abiding citizens who paid them for their mistake and then continued to pay our mortgage when they were apparently planning to kick us out all along. We just wanted to keep a roof over our family's head. We have a new baby coming soon, and some of the money we payed in that extra mortgage payment was supposed to pay for my prenatal care.

We're now behind on the prenatal care and having our house sold out from under us, again without notification. I wish I had been less law abiding and kept some of that money for our new baby. Aurora is selling the house anyway, so why did we jump through so many hoops and give them extra money just to kick us out? They are crooks, plain and simple. Every time my husband has spoken to them in the last 2 years, they have lied. Now, they are lying and taking our house. Note: I say my husband during this whole thing because he is the only one they will talk to. He's given them the paperwork more times than I can remember to say that I'm his wife and they can talk to me, but they refuse, to the point of leaving messages on my phone then telling me they can't talk to me when I return the call. They are so messed up, I can't even begin to describe everything they have done.

In some ways, I wish we had not fought their first secret attempt to auction the house. At least then, we'd have some of the extra money we paid them and not be in such a financial mess while trying to get a house to rent, provide for our family, and keep some dignity. Our real estate agent said that the name "Aurora" is coming up in an unusually large proportion of the foreclosures in this area. It seems to me they are doing everything they can to foreclose on every house they can to the point of lying to people like us. Maybe they are going under and want to get everything they can out of it. Who knows. I do know they have dealt very unfairly with us, and I feel like a sucker for having given them money to keep the house.

Let us file a complaint against Aurora Loan Service and GMAC in court. If you don't have money for attorney, just do it yourself as Pro se. I can share the examples I got from the court. I used it to file as well last Friday. It's time for them to give us back our house free and clear as punitive damages for all these traps, wrongful/faulty "workout agreement," "wrongful foreclosure." Email me as we have a group of Aurora victims that already had filed a class action lawsuit in CA. I filed as well personally in TN.

I am a victim of Foreclosure from Aurora Loan Services and the Endres Law Firm in Davis, Ca. I am a divorced housewife living in the city of Compton; I'm one of the good people here. I keep the children out of the streets. I've been evicted from my house without ever being involved in the legal process. Whenever I tried to get information on the house I live in, the bank would give me no information.

My ex-husband is the home owner. Aurora foreclosed on my house illegally--my ex-husband tried to stop the foreclosure and went to court to sue the bank, Aurora and Endres Law Firm. From what I've been told, he presented documents to a Compton Court, who is known for bad behavior, and they awarded Aurora and gave me no option for time to move. I had no idea what was going on since all the mail was being forwarded to my ex-husband's home. He told me that Aurora was doing some illegal business in regards to his loan and I would need to go to the court for a motion to not leave the home in two weeks. A friend also told me to file a chapter 7 to give me two weeks to pack and leave.

I had to choose between losing 10 years of my life with a bankruptcy and moving out of my house with nowhere to go in two weeks. Prior to having to make this choice, I called the Endres Law Firm to tell them that I didn't want to stay in the house. I just needed to have about six weeks to find assistance and housing for my kids.

The bank said no even though they knew I had no idea what was going on and that I was also a victim. I then had to go to the judge in Compton who told me to get out even though I wrote my plea for extended time and filed the chapter 7. There's no recourse for divorced mothers in these matters and in these illegal foreclosures. The lawyers who support them and the judges not having mercy on victims like me should be looked at.

Something is wrong here. Why are the inner city homes being foreclosed on in high numbers? I have heard several complaints regarding Aurora loans, particularly in the inner city. As for the city of Compton, they've been trying for years to rid houses to put up apartments (to make more money), which results into bringing more gangs to the community. People have got to know and I'm here to spread the word. Divorced mothers are becoming victims of the corporate mess going on here in the United States.

I am a victim of Foreclosure from Aurora Loan Services and the Endres Law Firm in Davis, Ca. I am a divorced housewife living in the city of Compton; I'm one of the good people here. I keep the children out of the streets. I've been evicted from my house without ever being involved in the legal process. Whenever I tried to get information on the house I live in, the bank would give me no information.

My ex-husband is the home owner. Aurora foreclosed on my house illegally, my ex-husband tried to stop the foreclosure and went to court to sue the bank, Aurora and Endres Law Firm. From what I've been told, he presented documents to a Compton Court, who is known for bad behavior, and they awarded Aurora and gave me no option for time to move. I had no idea what was going on since all the mail was being forwarded to my ex-husband's home. He told me that Aurora was doing some illegal business in regards to his loan and I would need to go to the court for a motion to not leave the home in two weeks. A friend also told me to file a chapter 7 to give me two weeks to pack and leave.

I had to choose between losing 10 years of my life with a bankruptcy and moving out of my house with nowhere to go in two weeks. Prior to having to make this choice, I called the Endres Law Firm to tell them that I didn't want to stay in the house. I just needed to have about six weeks to find assistance and housing for my kids.

The bank said no even though they knew I had no idea what was going on and that I was also a victim. I then had to go to the judge in Compton who told me to get out even though I wrote my plea for extended time and filed the chapter 7. There's no recourse for divorced mothers in these matters and in these illegal foreclosures. The lawyers who support them and the judges not having mercy on victims like me should be looked at.

Something is wrong here. Why are the inner city homes being foreclosed on in high numbers? I have heard several complaints regarding Aurora loans, particularly in the inner city. As for the city of Compton, they've been trying for years to rid houses to put up apartments (to make more money), which results into bringing more gangs to the community. People have got to know and I'm here to spread the word. Divorced mothers are becoming victims of the corporate mess going on here in the United States.

I'm a victim of Foreclosure from Aurora Loan Services and the Endres Law Firm in Davis, Ca. I'm a divorced housewife living in the city of Compton, I'm one of the good people here. I keep the children out of the streets. I've been evicted from my house without ever being involved in the legal process. Whenever I tried to get information on the house I live in the bank would give me no information.

My ex husband is the home owner. Aurora foreclosed on my house illegally, he tried to stop the foreclosure and went to court to sue the Bank, Aurora and Endres law firm from what I've been told presented documents to a Compton Court, who is known for bad behavior awarded Aurora and gave me no option for time to move. I had no idea what was going on since all the mail was being forwarded to my ex husbands home. He told me Aurora was doing some illegal business in regards to his loan and I would need to go to the court for a motion to not leave the home in two weeks, a friend also told me to file a chapter 7 to give me two weeks to pack and leave.

I had to choose between loosing 10 years of my life with a bankruptcy and moving out of my house with nowhere to go in two weeks. Prior to having to make this choice I called the Endres law firm to tell them I didn't want to stay in the house I just needed to have about 6 weeks to find assistance and housing for my kids. The bank said no even though they knew I had no idea what was going on and a victim. I then had to go to the judge in Compton who told me to get out even though I wrote my plea for extended time and filed the chapter 7.

There's no recourse for divorced mothers in these matters and these illegal Foreclosure, the lawyers that support them and the Judges not being having mercy on victims like me should be looked at. Something is wrong here. Why are the inner city homes being foreclosed on in high numbers? I've heard several complaints regarding Aurora loans, particularly in the inner city. As for the City of Compton, they've been trying for years to rid houses to put up apartments to make more money, this resulting in bringing more gangs to the community. People have got to know and I'm here to spread the word. Divorces mothers are becoming victims of the corporate mess going on here in the United States.

I'm a victim of foreclosure from Aurora Loan Services and the Endres Law Firm in Davis, CA. I'm a divorced housewife living in the city of Compton. I'm one of the good people here. I keep the children out of the streets. I've been evicted from my house without ever being involved in the legal process. Whenever I tried to get information on the house I live in, the bank would give me no information. My ex-husband is the homeowner. Aurora foreclosed my house illegally. He tried to stop the foreclosure and went to court to sue the bank, Aurora and Endres Law Firm. From what I've been told, he presented documents to a Compton Court, who is known for bad behavior awarded Aurora and gave me no option for time to move. I had no idea what was going on since all the mail was being forwarded to my ex husbands home.

He told me Aurora was doing some illegal business in regards to his loan and I would need to go to the court for a motion to not leave the home in two weeks. A friend also told me to file a Chapter 7 to give me two weeks to pack and leave. I had to choose between losing 10 years of my life with a bankruptcy and moving out of my house with nowhere to go in two weeks. Prior to having to make this choice, I called the Endres Law Firm to tell them I didn't want to stay in the house; I just needed to have about 6 weeks to find assistance and housing for my kids. The bank said no even though they knew I had no idea what was going on and a victim.

I then had to go to the judge in Compton who told me to get out even though I wrote my plea for extended time and filed the Chapter 7. There's no recourse for divorced mothers in these matters and these illegal foreclosure. The lawyers that support them and the judges not having mercy on victims like me should be looked at. Something is wrong here.

Why are the inner city homes being foreclosed on in high numbers. I've heard several complaints regarding Aurora Loans, particularly in the inner city. As for the City of Compton, they've been trying for years to rid houses to put up apartments to make more money, thus resulting in bringing more gangs to the community. People have got to know and I'm here to spread the word. Divorced mothers are becoming victims of the corporate mess going on here in the United States. Me and my children are now being evicted from our home. I'm on disability and will be on the streets if I can't find housing. After filing a Chapter 7 to get extra time to try and get money to move, I almost have no chance of finding housing because of this bankruptcy. I'm so scared. We'll be on the streets very soon.

I'm a victim of Foreclosure from Aurora Loan Services and the Endres Law Firm in Davis, Ca. I'm a divorced housewife living in the city of Compton; I'm one of the good people here. I keep the children out of the streets. I've been evicted from my house without ever being involved in the legal process. Whenever I tried to get information on the house I live in the bank would give me no information. My ex husband is the home owner. Aurora foreclosed on my house illegally, he tried to stop the foreclosure and went to court to sue the Bank, Aurora and Endres law firm from what I've been told presented documents to a Compton Court, who is known for bad behavior awarded Aurora and gave me no option for time to move. I had no idea what was going on since all the mail was being forwarded to my ex husbands home.

He told me Aurora was doing some illegal business in regards to his loan and I would need to go to the court for a motion to not leave the home in two weeks, a friend also told me to file a chapter 7 to give me two weeks to pack and leave. I had to choose between loosing 10 years of my life with a bankruptcy and moving out of my house with nowhere to go in two weeks. Prior to having to make this choice I called the Endres law firm to tell them I didn't want to stay in the house I just needed to have about 6 weeks to find assistance and housing for my kids.

Why are the inner city homes being foreclosed on in high numbers? I've heard several complaints regarding Aurora loans, particularly in the inner city. As for the City of Compton, they've been trying for years to rid houses to put up apartments to make more money, this resulting in bringing more gangs to the community. People have got to know and I'm here to spread the word. Divorces mothers are becoming victims of the corporate mess going on here in the United States.

I am a victim of foreclosure from Aurora Loan Services and the Endres Law Firm in Davis, CA. I am a divorced housewife living in the city of Compton; I am one of the good people here. I keep the children out of the streets. I have been evicted from my house without ever being involved in the legal process. Whenever I tried to get information on the house I live in, the bank would give me no information.

My ex-husband is the home owner. Aurora foreclosed on my house illegally. He tried to stop the foreclosure and went to court to sue the bank, Aurora and Endres Law Firm. From what I have been told, he presented documents to a Compton Court, who is known for bad behavior. They awarded Aurora and gave me no option or time to move. I had no idea what was going on since all the mail was being forwarded to my ex-husband's home.

He told me that Aurora was doing some illegal business in regards to his loan and I would need to go to the court for a motion to not leave the home in two weeks. A friend also told me to file a chapter 7 to give me two weeks to pack and leave. I had to choose between losing 10 years of my life with a bankruptcy and moving out of my house with nowhere to go in two weeks. Prior to having to make this choice, I called the Endres Law Firm to tell them that I didn't want to stay in the house. I just needed to have about six weeks to find assistance and housing for my kids.

The bank said no even though they knew I had no idea what was going on. I then had to go to the judge in Compton who told me to get out even though I wrote my plea for extended time and filed the chapter 7. There's no recourse for divorced mothers in these matters and these illegal foreclosures. The lawyers that support them and the judges not having mercy on victims like me should be looked at. Something is wrong here.

Why are the inner city homes being foreclosed on in high numbers? I have heard several complaints regarding Aurora loans, particularly in the inner city. As for the City of Compton, they've been trying for years to get rid of houses to put up apartments (to make more money), which results into bringing more gangs to the community. People have got to know and I'm here to spread the word. Divorced mothers are becoming victims of the corporate mess going on here in the United States.

I have, like millions of Americans, been trying to proactively restructure my Option ARM loan for the past 4.5 years. I foolishly allowed a mortgage broker to convince me that he could get me a better deal on my mortgage. I entered into a five-year Option Arm without even realizing what it was until after I made my second or third mortgage payment and realized $1,000 was going towards my principle.

Since that time, I have been fighting with Aurora to restructure my loan, advising them that I was a victim of predatory lending, proving that I am capable of making my housing payments on time (never in default) yet realizing the day would come that I would not be able to sustain this mortgage. I learned through a website forum to complete a QWR asking for my loan documents. Because when I went to settlement, or should I say when the settlement officer came to me, she did not even leave me with any copies of signed originals. She said that she would need to make copies and would be forwarding them to me.

After reviewing the documents received from Aurora's attorneys I realized several things: The assignment of Security of Deed was completed one year after I went to closing when the mortgage actually resold one month after I went to closing. Further the Security of Deed (assigned to MERS) was signed by an unauthorized Notary of Public (Lorena **, Orange County CA ). Her commission expired the month before the document was notarized according to the stamp on the document sent by Aurora's attorneys. And to add insult even more, the notary of public was directly tied to Lexington corporation as she was also a real estate investment banker and sales.

During qualifying process, my credit report clearly stated that I had been late on my mortgage two times in a 12-month period. However, the underwriter indicates that I had been late one time in 36 months. History Pro report revealed to the underwriter that I had failed the test to be offered this loan product, (the test by the way was taken after I had closed on the loan). The verification of employment that was clearly stated on the underwriting requirements as a mandatory for approval of the loan was completed by the originator six days after the closing and using an erroneous person's name as the point of contact.

While they were able to present me with the original note, they conveniently left off the signature page of the note, exchanging it with a signature page for a prepayment addendum (no kidding). I could go on and on and on. But I think you all get the message. Don't ever deal with Lexington Capital. They should be prosecuted.

I have been dealing with Aurora Loans Service for three years trying to get a modification and I have not had any luck. I did everything that Aurora Loan Service asked of me plus more and I got nothing but, I did everything wrong with the paperwork; it even got so bad with Aurora Loans Services that they even went in accounts without permission and took out money.

They have lied to me and to my lawyer. They said that they offered me a workout modification but as of this date, I have not received the paperwork yet. I have asked them to send me paperwork but they will not do it. They have put me in foreclosure and I have done everything they have asked of me. They have even laughed in my face. They have denied me because they said that they could not get in touch with me but my lawyer was keeping in contact with them. And they are still foreclosing on me; they tell you one thing and do something totally different. You never talk to the same person, and you always get someone different every time. They have taken my money and have made it a worse hardship than when I started; I have nothing now.

I entered into a forbearance repayment program for my property; completed the payments over a six-month period. The problem is, I don't plan on making full payments until we are modified; that is why I have been paying the full amount--as good faith. I believe it's a shell game and they're not going to do anything and let our account fall into foreclosure. Every time I attempt to obtain a response, I get the runaround. We'll lose our real property.

When I was laid off my job last December, I worked with NACA as a liaison between myself and Aurora Loan Services to come up with a foreclosure alternative. I finally gathered all the paperwork that NACA required to submit to Aurora for a forbearance. I submitted the final package of completed documents on Feb 22, 2010. In June after no reply I contacted Aurora and got the same story as I see over and over in other stories posted here. They did not have all the documents they needed. Then the documentation they had was out of date, so I had to resubmit. Bottom line, got one run around story after another. Finally, they declined my request because "Unemployment was not considered income" and I did not qualify for any programs. I had been on unemployment since the get go.

After wasting 7 months, now with no results and constant run around and slow or no response I finally called them and said "my payment is due today. I have been working with you people since February to come up with a solution to avoid foreclosure. I told them I was going to stop making my payment as of October 1st, 2010 and after I was told I don't qualify for any of their programs they now tell me "I may qualify for the Hamp Up program".

Needless to say, back to square one. Filling out all new forms and resubmitting tax records, income records, hardship letter, budgets, etc for the 3rd to 6th time again in some cases. It's really frustrating to deal with a company who doesn't seem to want to do anything to help. I have lived in my house for 20 years, just purchased it 4 years ago. At the time I bought the house, I was making a 6 figure salary and had no problem affording the mortgage. I have never been 1 minute late on a payment. I have been pulling money from my IRA after losing a chunk to the decline in the market and to then have to pay early withdrawal penalty and taxes to make this payment for the last year trying to stay current.

They don't seem to care. It remains to be seen what the outcome will be but it sure seems to me that a lot of goodhearted folks out there have the same story and me. I am not looking for a handout. I just want a temporary reduction until I can get a job. My interest rate is 6.50%, seems even if they just reduced the interest rate would be a huge help. Nothing is as simple as that with them. I am extremely disappointed the way Aurora has handled this situation and if I make it out of this, I can guarantee you I will never do business with them again. Nor will I refer anyone I know. Their customer service is ridiculous. Good luck to everyone in the same position as I with Aurora! Seems like the would be something we could do to light a fire under these people. They use the "we don't have all the documentation" excuse to side step the requirement for them to supply an answer within 30 days.

I began a loan modification workout with Aurora Loan Services in December, 2009 to prevent foreclosure proceedings. I was informed I needed to complete a request for modification form, mail that in and after they received it. I could submit my first payment which was a larger payment than my current loan payment. These two items needed to be submitted before 1 January 2010.

The operator then informed me that I probably did not send in the request form. I informed him I had. He researched records and found the request and researched further until he found the deposit I had made. He then started to explain that it was the holidays and they had probably been too busy to apply it to my account.

They still published in the paper that the property was going to be foreclosed. After making the agreed upon increased payment for 3 months, I then submitted all of my financial information that they requested. I received a letter a few weeks later saying the package was incomplete. When I called to find out what I was lacking, I was informed that they had not even received my package! After informing the operator that I had a letter stating that they, indeed, had my information, it was found. She informed me of the additional paperwork which I needed to submit. Most of what was listed had already been submitted.

This same scenario played out back and forth for six months. On October 8, 2010, I received a letter dated 1 October 2010 stating that my workout was denied. I called and was informed that the property was sold on 8 October 2010. Today is October 13 and I still have not been notified of the sale. I was told I would have to short sale the property. I asked about a redemption period and was informed that I had six months to sale the property that I could not pay off the loan.

My house has been surrendered to foreclosure and now sold. Aurora Loan Services had no intention of using any type modification, although following every request, paperwork required, etc. and was put on the rocket docket in Ft. Myers. I belief this whole thing, including their attorneys, is a big sham. And their attorneys did not follow the correct legal procedure etc.

I have been under loan modification review with your company since November 29, 2009. During these past 9 months, I have sent countless very private documents to your company many, many times. Apparently, they are not being reviewed and I have been continuously asked to resend documents I have already sent. Furthermore, during this time frame, I have been dutifully sending in my loan modification payment which Aurora Loan Services has told me to pay. However, simultaneously I have been told I am behind on my mortgage, and I have been harassed and threatened with foreclosure. When I spoke to the loan modification department about these matters, I was told to ignore the constant written and verbal threats made by your company, since these notices are computer generated and I should not worry about them.

I was told that after sending all of the documents yet again to 3 different fax numbers within your company, I will have a determination by September 10, 2010, which was then moved to September 24, 2010. On September 7, 2010, I received a letter from Aurora dated August 31, 2010, requesting to submit yet again same information I had sent to 3 of your fax numbers on 7/23/10.

On September 14, 2010, I was told my loan modification review was closed because I had not provided the necessary documents to Aurora (which I have done so multiple times, and I have proof on these transactions). However, while talking to Mike (employee number **), he was in agreement that I had until September 14, 2010 (which by all standards is 15 days from the writing of the August 31, 2010 letter from Aurora) to get the again requested documents to Aurora. Furthermore, upon actually looking at the file, he said he did have 2 of the 3 documents requested and needed one more (which of course had been provided on July 23, 2010). He then gave me what appears to be a disconnected fax number, since it has remained busy since I began to attempt to fax the missing document. I did however fax the document to Aurora main fax line. I have proof of these attempts and the actual transmittal to the main fax line.

Now, I am closed under loan modification. So be it. I have never dealt with such a blatantly fraudulent company in my life. On the one hand you tell me to ignore threats, and on the other you keep prompting me to send more documents to continue the loan modification review. You do not even review the documents you receive, and seem to be unable to produce them upon written demand. I did send a written request asking for the return of my documents on June 18, 2010. I received a letter that my concerns would be responded to and of course I have had no further contact with Aurora on that matter.

I have also asked countless times on the phone for my documents. Furthermore, in June I was told a private Investor holds my mortgage and that this information is confidential. I believe this is highly illegal. Upon pressing for further details about the mortgager, in a conversation with Lorraine, on September 9, 2010 I was told SARM holds my mortgage, but no other information is available. I also requested and itemized statement from Lorraine on what I owe to bring the loan current. She assured me she would provide this information. Again, as of September 18, 2010, I have received no response to my request.

In a conversation on September 17, 2010, I was told by Kenyatta that I needed to submit $9257.93 to bring the loan current. Again, I have requested an itemized statement which I have been assured I will receive in 48 business hours. Moreover, my August 2010 loan modification payment was returned to me by Aurora, stating it was not enough to bring the loan current.

I was also informed legal fees may be required since I was under foreclosure, which is grossly inaccurate as I was up until September 14, 2010, under loan modification agreement. I am willing to pay the difference of the amount between the $2072.18 and the $1482.87 loan modification to bring the loan current and nothing more.

Based upon the above information I am again requesting: 1. An itemized statement of my account from November 2009 to date; 2. All of my private documents and confidential correspondence with Aurora and your subsidiary PMI regarding the loan modification; 3. I demand this matter be taken off my credit report; 4. A record of all phone and written correspondence with Aurora LLC; 5. A statement regarding my new ARM payment as of September 1, 2010; 6. The dollar amount of my loan needed to reach the 78% after which I no longer need to pay PMI for my private mortgage insurance.

I closed on my St. Paul, MN home in November 2004 for $250,000. I was advised by my "friend" and realtor to get an Interest-Only ARM, and within a couple of years values were dropping like crazy, but the interest was rising. After a job loss and broken engagement, I was struggling to make my payments, and was advised by Aurora Loan Services to miss a few payments, since there were many people and situations that were more dire than my own, and that they wouldn't even look at me or consider a loan modification unless I was at least 3 months behind on my payments. So I stopped making payments and contacted the Foreclosure Prevention program in Minnesota. They connected me with a Financial Rehabilitation Counselor who helped me apply for a modification, understand the paperwork, and communicate with Aurora.

I got a new job making a lot more money and filed for bankruptcy so that I could afford my mortgage.They put me on several different "workout plans" to make sure I could make the payments. They told me many times that I could qualify for a modification with a fixed rate, since the Interest-Only "option" wasn't allowing me to make any progress in paying off the house. I submitted my financial paperwork every 3 weeks at their request, made every payment 3 weeks in advance, and eliminated my credit card debt. I do not have children, a car payment, or any other bills beyond my utilities, gas, groceries, and cell phone bill. I increased my income and could easily make the payments they presented and requested according to the workout plan.

I was denied the modification 4 times. When I called to speak with someone after my 4th denial letter, the woman I spoke to, "Nicole", suggested I try a short sale, and that she didn't see them working with me any further. I was devastated. I worked very hard to keep my home, including filing bankruptcy and changing what I do for a living, and now I am facing foreclosure. I have one month left before I will have to leave, and I feel I was scammed to give them control of my property, so they can take their chances with another buyer, even though I did everything I could to stay here in my house.

We have an existing loan with Aurora. We got approved on another loan to buy a 2nd home and plan to rent out the first one.

We found a home, everything was a done deal, the home inspection, appraisal, and down payment. We had a move-in date of 9/9/10 and so as it was close to the start of the school year, we switched our kids school to the new neighborhood.

They said a 'dispute' just showed up on our credit report with Aurora and that I'd need to get a letter from them explaining what it is and get it taken off. I had no idea what it was about. I phoned them and the guy said he couldn't see any dispute but that if I needed a letter of explanation, then I'd have to put it in writing.

On 9/1/10, I faxed and emailed a letter. On 9/9/10, I spoke to Trina and her supervisor. I called Aurora to find out where my letter was. It was then that I was told that my dispute was actually a change of bank draft form I sent them back in May 2010. Any written communication is logged as a 'dispute' and stays on the account for 90 days per RESPA guidelines. They could explain that May to September is more than 90 days so it shouldn't show up any more, but now that I had faxed them recently that would be another dispute stuck there for another 90 days. Despite their dumb rules, I was assured that the letter on its way to me would explain about the bank draft and RESPA.

On 9/13/10 I received the letter. It was a computer generated stock letter which explained absolutely nothing. It was a total waste of paper and time. The rep Trina, and her supervisor totally lied to me about what the letter said. On 9/14/10, I spoke to Aurora and was told to fax over another request which detailed exactly what I needed.

On 9/16/10, Erika said that the fax had been received, and noted as a Rush. I explained what I needed. The current task date is 9/24 but with the Rush, it should be done sooner, maybe 9/21. On 9/20/10, Letter was not sent yet. On 9/22, Chris said it was not done yet. I asked to speak to Correspondence Dept that handles the letters. They don't have a phone number and only deal with letters or faxes. He noted the Rush and emailed the 'liaison' requesting what I needed. He read it back to me and it sounded good.

On 9/23, Pam said it was not done yet, she can see the Rush. It should be later today or tomorrow. On 9/24, Lucy said it should be today, and she told me that the letter is the same as the first one! What! I spoke to Alicia, the supervisor and asked why I had to write a detailed request if they were going to ignore it. It was Rushed as indicated and it was a total waste of time. She could see Chris' email of 9/22 also requesting what I needed.

Their 'dispute' rule is dumb, their 90-day rule is dumb and their correspondence dept is slow and inept. My realtor and lender have never encountered such an awful loan company in all their years.

In July 2008, my husband began what would prove to be a two year battle with job loss as a result of the volatile market. During this time, we came close to foreclosure with our lender, Aurora Loan Services. In December of 2008, our primary loan was modified from a 30-year term to a 40-year term and our interest rate lowered lowered. These actions really didn't do anything to help me in the long term, but for the short term they were fine. Then in July of 2009,Aurora came to me, sought me out, to tell me that I was eligible for an Obama modification/restructuring. I filled out all the paperwork and sent all the required documentation.

When Aurora misplaced my check, they called me to tell me that if I still wanted to be considered for the modification, I would have to let them directly withdraw the funds from my checking account. I had no choice but to allow it. But a few days later when they found the check and tried to deposit it (twice!), it bounced and I am the one who incurred a $35 fee each time. I was never reimbursed those funds. Even after this, I received a letter from Aurora Loan Services several days later telling me that my modification request was denied because I hadn't made the first payment!

My second attempt at a modification failed because they never received my paperwork which I sent out in a timely manner. Now I am in the process of my third modification with them. I filled out the paperwork in March, they received it, and I made all the required payments. I was told by an Aurora Loan Services representative in early July that the modification had been approved! However, a couple of weeks later, I got a phone call asking me to provide them with an Owner's Title Document because apparently there is a prior owner lien on the property.

I contacted the attorney who did my closing, and he spoke to the title company who then contacted Aurora Loan Services. I should never have been involved in this. At the end of August, I received a letter from Aurora Loan Services telling me that my modification had been denied because I hadn't provided them with the Owner's Title Document. When I called Aurora Loan Services in a panic, I was told that I could dispute the claim and was given instructions on how to do so. I followed all instructions, faxing a 26-page dispute and asking in the cover letter that confirmation of receipt of the packet be e-mailed to me. This was on August 23rd, and I have yet to hear from Aurora Loan Services. Their gross mismanagement of my case has caused a great deal of undue stress on me and my family. They should be ashamed of their business practices, and their officers should be investigated fully for fraudulent dealings with their customers.

About a year ago, we could not make our house payment and I think we missed a couple. I called Aurora Loan Services to see what we should do and they told me about the modification plan. I said sure, so our house payment was lowered for 6 months. We sent the package in and it was denied. This made me very mad

I asked them if there was anything else we could try. They told me yes, that we can try a loan modification. She took our finances. Our plan payment was $2465, but I had to freaking wire my payment to them because our house was in foreclosure. I hate getting the mail because I always get foreclosure letters. At this point I hate calling them. I hate them. I feel like they are slowly trying to take us down. I have three months. But I am almost positive that it won't go through.

This is not fair it has been hell. I have three kids and we built our house and we love our home. I have called a lawyer for advice. I think that someone needs to do something. This has been stressful, I feel like there is no way to win. It makes me sick how many people are going through the same thing, when we should be happy and enjoying our homes. Hopefully by telling our story we can make a difference. I cannot stand those people. It makes me want to just walk away from everything than dealing with them anymore. I m getting upset just thinking about what I have been through, is it worth it?

I have put a strong offer to purchase on a house that is currently pre-foreclosure with Aurora Loan Services. I made the offer almost two months ago, but have just found Aurora intends to foreclose this Friday and is asking for $2,000 from the seller to postpone foreclosure, which she doesn't have. I would like to send a letter to the VP of this division or the President of Aurora with my complaint: can one of your staff send me this contact information? (Name, title, mailing address, phone number, email)

I have 80/20 loans both with Aurora. My 1st is Interest only and 2nd is principal and interest. Now I know more about mortgages. I don't understand how they could do this! I have attempted to discuss my loan options with Aurora prior to Jan 2010. Never made enough money they said based on my credit to date ratio. I was a full time Real Estate Assoc for many years then the real estate and mortgage business took a turn. I could not find a job. I was considered overqualified not because of my knowledge because it was known what type of salary I had made in the past. I finally found jobs to do and as real estate on the side as possible. But have never made the money I did before. They still would/could not help me They either say I made too much money or now not enough. When they looked at the Obama plan and figured my 1st mortgage-taxes-Ins and Home association.

I have a 80/20% loans then I did not now make enough money to afford my home! Never have given me anything in writing to this effect or truly explained so I could understand. I contacted them in January after my surgery, 1-14-2010. Now I am on disability, asking for some kind of assistance. I am told there is a new plan with Aurora that if I am unable to pay my payments from Feb- June then they could put my past due amount on the end of my loan, if I could prove my financial decrease in salary based on surgery. In April, I received papers saying I was behind and if I did not pay this certain amount by June 1, they would start foreclosure or take many home for deed!

I called regarding this letter. The rep. said I had misunderstood the plan and they had no such plan. I lost it and ended the conversation. I called back later and received. another rep. She looked up the notes from my first conversation (said they recorded them and had notes). It showed that the rep. had told me the balance would be put on the end if my financial situation did not change. The rep. apologized and said she saw it in the notes but the rep. was wrong. There are more details to this part but if wanted I can give dates times and rep emp. # so I had to come up with almost $6900 but June 1. I then had another surgery on 6-9-2010. I am still on disability and have to borrow to attempt to make my secured loan payments. I don't see why they can't help me get a better rate, lower payments and a full loan not two loans. Can you help me?

My husband and I started this process back in October 2008 and we are still waiting for an answer. This is the second time applying for the HAMP modification. Aurora Loan Services screwed up our modification paper work. They did not read our documents correctly. I have recorded conversations every time I call and I let them know I'm recording. This is absolutely ridiculous! This company needs to know you don't mess with peoples lives and abuse our system. These are our tax dollars. I read all the complaints and it is my story, too! They owe us an opportunity as Americans to keep our homes. I can't believe that attorneys aren't all over this. This company needs to be shut down! Stress! They are breaking us down to the point were you want to give up! It destroys families. Through all this, my kids have been suffering from all this.

We have been trying to modify our current 1st mortgage with Aurora for more than 2 years now. The loan is serviced by Chase Hone Loans who continually told us that we do not qualify for a restructure but they wouldn't be clear about the reason why. They said we did qualify for Chase's modification program so we reapplied again. This time I was finally told that we did not have a Chase loan, they just serviced it for a "private investor" that isn't participating in the Obama "Making home affordable" program.

That "private investor" we found out was Aurora Financial. We hired someone who has been in the Mortgage business for 30 years to help us with all the red tape. She said everything we have submitted (about 10 times by now since they continually lose paperwork), was correct and fell within the guidelines Aurora has to qualify but today, again, we were rejected. The reason this time, we have too much equity in the property! They have strung this out for so long now that they show us $39000 in arrears so if we have to add that to the loan balance, there is no equity. My house now is only worth $420,000. My loan balance is $330,000 on the first and $75,000 on the second. Where is the equity? They have made it impossible to bring the loan current because they would send our payment back saying we "don't have a deal" so they won't accept our payment. Again they have stalled this for more than 2 years causing us to get $39,000 in arrears and now they won't modify it due to the so-called equity. The worst part is, I've owned the property for 22 years and now it appears they want to throw me and my family out on the streets.

I was supposed to be in the process of a modification. I was in the process for a whole year, they did 2 modifications and they said they where not able to tell me why they where not approved. I was sending money all the time while in process of the modification. On my last modification, I was told not to send any money because that was the only way to qualify for this type of modification which was the Obama modification. I send no payment for the month of April like I was told to do and on May 13th, 2010, my house was sold. I contacted Aurora Loans and they had no explanation to this. I was left on hold every time I called. Now, I have been served by the court to move out of what has been my home for the past 6 years.

In essence, it's nothing! I have tried for a modification for two and a half years, with on and off programs and still, it's pending! I am a CPA and cannot get them to think. I have clients who have Aurora loans who have the same problem. This company is not considerate or do they try to help the homeowner. Quite the opposite, they put the customers in a worse shape than when the process was started. Furthermore, they don't give a **. They are a recurring recording of bad omens. They give no help at all. The executives should be jailed for life. I will find out who they are and hopefully get criminal penalties against them. They operate as the worst example of a finance company in the United States, if not the world.

I would like to complain about Aurora Loans Services and the incompetent handling of my request for, first a loan modification, which was denied, and then I put the house up for sale on a short sale. I had a buyer within two weeks for $89,000. The buyer put $10,000 in escrow in good faith. Aurora Loan Services took over five months to approve the loan with many, many calls between my realtor and Aurora. The buyer backed out of the sale. I kept the house up for sale for a couple of months, but could not get a buyer.

I then asked for a Deed in lieu on April 20, 2010, and again another nightmare began. I downloaded all the paper work, copied paperwork and printed paper work from the computer. I mailed my paper work on April 22, RRR. The RRR was signed by an employee and returned to me. On May 14, I was sent a packet asking me to fill out the papers for a DIL. I called and said I already mailed the papers. Aurora lost my paperwork. On the same day I did it all over again and mailed it RRR overnight. I kept up with Aurora to see if my file was complete. On May 26th, I spoke to Linda, G-74 who asked for the purchase order to be faxed over to complete the file; I did that on the same day.

On June 1st I spoke to Andi who said the file was complete and it would be assigned to a processor. I called Dyna on June 7, and Katie on June 8th. Then Patrice called me on June 24th and informed that I had to send in more bank statements showing that I receive $800 a month in rent. By then I was hysterical and she said I will probably lose my DIL. On July 2nd, I faxed the statements and called and spoke to Melissa who said that they received them -- at this point my file should have gone to a processor, but nothing was done. I called July 9 and was told by Nicholas, 89V (who was totally incompetent) that my file was under review.

On July 12, Melissa called, my file was not under review and a sale of my property was set for July 23rd. Melissa said she would try to get it sent to get it reviewed. July 14th I spoke to Gail, who noted that the file was requested for a review and that she would try to put in a request. For three months I have been jerked around by10 different, all having to reread my file to catch up with the last person's notes. My file should have been assigned to one person.

All of this has taken a year. I asked for a loan modification, I tried a short sale and had a buyer for $89,000 that they didn't jump on! And my DIL request was botched by a bunch of people who didn't know anything about the file when I called.

My house is going into foreclosure by nothing I did. I did not make the economy fall apart. I was one of the ones that got caught up in this through no fault of my own. I lost over $20,000 and I should have been able to sell the house, pay off the mortgage and made a little profit. I did everything I was asked to do to keep my house out of foreclosure. And Aurora did nothing to see that it wasn't put in foreclosure.

Similar to others working with Aurora Loan Services, my attempt to modify my Option Arm to prevent foreclosure has been an absolute nightmare. The right hand does not know what the left is doing. I have been submitting requested paperwork to them for three years. No sooner is it submitted and I am told something is missing. I send the missing documents and something else is missing. This cycle of events went on for three years. I probably submitted modification paperwork ten times. I finally could not pay my mortgage and they put me on a special forbearance for six months that I could afford. I paid diligently; I received a letter requesting me to resubmit the paperwork so that they could make the arrangement more permanent. Once again the runaround.

Finally, everything was complete. I subsequently did receive a modification offer - $400 higher than my forbearance for five years and $600 higher for the balance of the loan. What happened to the making home affordable plan. If I couldn't afford the previous mortgage, how do I afford this one. This organization is in chaos and is really a bad company to deal with. I will have to declare bankruptcy or foreclose.

I have asked Aurora Loan Service time after time that I need something on what is going on with the modification that I have been trying to get for almost two years. They have called me and told me that I have completed the program. That at the end of May, I don't have to pay anything else until the underwriter has finished. They even sent me monies back. I have called and they have called me telling me what is going on with the modification. I asked them every time to send me some paperwork on what is going on and as of today, I have not received anything on this matter. I have asked for the complete modification and I have not heard anything. I have not received or talked to anyone about the modification or any other offers as of today. I wish Aurora Loan would stop lying saying that they are offering me something because they are not offering me anything. I have asked for paperwork and have not got anything yet.

After reading many complaints about people's hardships they are experiencing, and Aurora Loan Services adding to the fire; I too, had to add to the demise. Aurora Loan Services had purchased my loan from Leman Brothers soon after I purchased my home. I have been in my home for four years. I have always never missed a beat on making my mortgage payments.

For the past year, I have been on social security disability. Aurora had sent me a modification package; I filled the papers out and wrote a hardship letter explaining my hardship, and I received a denial letter two months later stating the reason I was not behind on any payments. My health worsened with heart disease, liver disease, and back operation that left me bed ridden. I have to leave my door unlocked during the day, in case of my heart acting up, the help that comes don't have to break my door down. I contacted Aurora once again, in return, they sent me another modification package. Once again, I filled everything out they asked, item after item.

During this one, they were always calling and saying something was missing. After two more months of going back and forth on that, denied again. Make a note, I've been making my payments during all this. Two months went by and then I received a letter that they were gonna put me on a trial plan, lessening the payment, for three months. After three months, I called them and they said to call back in a couple more months, for they were behind on modifications. So two months I called and they stated everything looked fine. Then two weeks later, I got a phone call, them telling me I did not qualify. And to call back the following week to find out if I would qualify on another program. I did. They then told me there was no more program, and that I would have to go back to my normal payments of $1800, ans pay back the money I had got on the trial program, which is another $350.00 a month.

On top of that, I found on my credit report it showed for eight months I made late payments. That was during the trial period. Now in the past week, I received a letter in the mail for me to sign the repayment plan. After reading it, I did not sign and send it back. Ten days later, I spoke with Aurora. They said they received that letter and reminded me of making those payments. I told them that was impossible, that they would have that letter. They then stated they have it in front of them, right there. I said it's impossible because I did not sign it and did not send it back. That was a lie on their part.

Then she stated to me they have it recorded per our verbal conversation by phone. So I asked her at the beginning of the conversation if she had advised me this was a recorded conversation. She did not respond. Then I proceeded to tell her that no conversation can be taped without the party's acknowledgment in the beginning of any conversation by law. During the "talk with her" I mentioned I was hiring a loan modification company, she said to me,that is a waste of money, that money should be paid to them instead.

Now today I got a phone call from Aurora telling me I'm a total of $5900.00 late in payments. At this point I'm only 10 days late. Again, I asked if this phone call was being recorded. The man on the other end hesitated, so I asked again, then he said it was. I then reminded the fact by law, it must be advised in the beginning it is a recorded call. And both party's must be aware. But I'm thinking it must be one month payment and the $3000.00 they had given me a 'trial program break' wanting it now. It gets better, I went to the mail box and found the monthly statement and it stated I owe $7900.00. Like I said, I'm only about ten days late at this point. My last payment was due on July 1. The statement stated I'm in the rear as of May 1. Not to mention this past week, I received another modification package.

They also had advised me during all this mess there is no grace period. But I see on the statements for the last four years there is a fifteen-day grace period. I also had told them I think my best bet is to get a hold of the news and the tactics they're pulling. They just told me, "Please don't do that for we want you to to stay in your home".

In my life time, I have never had to deal with this much unprofessionalism. I could write a book on all details dealing with Aurora on the events that have taken place the past 14 months. I can not any longer relate to these people. They misinform you, tell you anything that they think would pacify you. Just so they can keep draining you. My neighborhood was a very nice area, but looks like a ghost town now. Las Vegas is number one in foreclosures. Businesses are closing down. Illegals have left. Over 150,000 people have left the city. I don't really want to be a sadistic. But after four denials with Aurora, it doesn't look promising. I really would like to know how they can go this far without being labeled as bottom feeders.

I was unemployed for eight months and the funds I cashed out from my 401k was totally depleted so I applied for a loan modification with Aurora last Jan 2009. They granted four months trial modification from July up to Oct 2009 and have started paying the amount of $1,368.58. After Oct 2009, myself and my loan modification lawyer, started asking the status of the loan modification they said they are going to escalate the case for proper action. However, I still kept on paying the amount of $1,368.58 up to Apr. 2010, awaiting for their decision, total of 10 mos.

My husband is not ambulatory and his activity on his own are limited to mobility inside the house while I was at work. This was the main reason why I wanted to keep the house and his health condition was the main reason why I had to quit my job last May 2008, unluckily Sept of 2008 his condition worsened and the doctors had to amputate a toe from his foot. In addition, he was confined again on the 24th of December 2009 at West Valley Medical Hospital for 28 days due to infection all over his internal organs. Last Apr. 19, my daughter saw a lady taking picture of the house and when she interrogated the lady she said that the house was foreclosed and have been sold to her.

I was really shocked, called Aurora Loan and my Loan modification lawyer to check if they received any notice of foreclosure. The loan modification lawyer was also shocked because no notice have been served nor any communication from Aurora informing me or the lawyers that the loan modification was disapproved. The way in which Aurora conducted themselves is in bad faith. We have sent letters to the CEO of Aurora but it seems it felt on deaf ears. I also have sent a letters to the Federal Trade Commission, Office of the Comptroller of the Currency, Office of the Housing Enterprise Oversight, RESPA and Office of the Supervision. All of the above agencies have replied acknowledging only receipt my complaints.

2 years of trying to save our home, and have sent thousands of dollars in "special forbearance plans", and still no resolve. Now, we are back to square one, with a looming auction date of our home in 2 weeks time. What did they do with all the money I have been sending them? I have asked on the phone, and in writing, for a detailed accounting of our funds for the past two years, and have received nothing.

Why get a forbearance plan for months? Why not just work with us, and modify the loan from, an option armed with super high interest, to a more reasonable one? Could it be that if they drag it out, they make more? And if they foreclose, they know there is equity more than enough to pay for the loan, and then some? Did they not receive government funding to help people? Or was that only to help themselves? The consequence is that we lose our family home, worth more than the loan, even in today's market, and thousands of dollars spent on empty promises, to help change the terms.

I am the listing agent, working a short sale that was previously turned down for a loan modification. I've had the property listed for close to a year, and because the short sale process with Aurora is so lengthy. I've lost 3 buyers in the course of a year. Finally, we got a buyer who stuck to the end, and we received our approval letter for the purchase price of $270,000 with a net to Aurora of $251,000 because the property had 2 other liens, one to the homeowners association, and another for an IRS lien, which need to be paid off at closing. Aurora's net would be $242,000 ($9,000 less).

Mind you back in March of 2010, we received an approval letter with a net to Aurora of $242,000. I've asked them time and time again to please present to the investor, but they refuse to and keep insisting that the approval letter stays as is. It baffles me that Aurora Loan Services would rather foreclose on this property rather than take the short sale and revise their net. The delinquent association dues will have to be paid regardless.

The homeowner who tried several times to modify this loan, and then went through the process of a short sale (trying to do the right thing and get the bank paid) is now being foreclosed on because the bank did not want to take $9,000 less than already approved. Not to mention the time spent, by the agents, and buyer who spent monies on inspections and appraisals. It just does not add up. I'm not sure what net present value system Aurora is using to come up with these decisions.

Aurora Loan Services has lied to us and forced us into a forbearance agreement with less than 24 hours to respond or they would foreclose on us. We entered into the agreement against our better judgement which had us making payments over twice as much as our loan payment which we were trying to get lowered due to loss of income. Aurora has used the worst business practices and has lied to us for almost 2 years.

They finally agreed to modify our loan and stopped the foreclosure process while the loan was being modified. We called them on May 31, 2010 to find out the status of our modification and they told us it was still being reviewed and that there was still no foreclosure date set while we were in the modification process. On June 2, 2010, they foreclosed on our home behind our backs when they had just told us 2 days earlier that everything was on hole pending the modification.

They then told my attorney they would consider reopening the modification since there was a misunderstanding. My attorney has called they Aurora attorney weekly and asked to be kept abreast of the situation, which the Aurora attorney agreed to do. Upon my attorney's check in with Aurora last week he was told that they decided to move forward with eviction, even after they had told my attorney they would notify him of any change. These people are all liars and cheats. I have over $500,000 equity in my home and they know it and they took it behind my back.

I am filing a lawsuit against Aurora on Tuesday, July 13, 2010 against Aurora for dishonest and unethical business practices among other counts. The suit is being filed in San Francisco.

I filed for modification in 2008, 2009, and in 2010 and was denied each time. The loan is an Option ARM, Negative Amortization loan. I hired an attorney who stated that I qualified for the HAMP program, but I was denied several times. Aurora stalls each time a request is made and uses tactics to delay the process by asking for all documents to be resubmitted ever three months, year after year.

I am mentally disturbed by the fact that Aurora refuses to help anyone remain in their homes. I can no longer afford my home and use credit cards to live in order to pay a mortgage that was doomed for failure. I was deceived with this mortgage and did not realize that the principal would increase until I started reviewing my statements and asked questions on why the monthly payment increases. It was never explained during the origination of the loan that increases would be attached each month. I was only told that I had options of which payment I wanted, depending if I wanted to pay the house off earlier.

I applied for the HAMP program and got accepted on September 2009. I called every month to check on my status and they always say it was being reviewed. I never spoke with the same person. Some were customer service, others loan officers and others navigation counselors. And most of the times, they don't know what was going on with my case. I have to tell the story to everyone of them. I even asked if they have the same computer system because I don't understand why they don't know what to answer at the questions.

And then on June 11 2010, I received a letter were they asked me to send updated information because the case was with the underwriting division. So I faxed the papers and I called them to verify if they received it. A few days later, my online statement was different. It had total amount that I owe then $7000 so I called immediately and they told me my case was denied because I was missing paperwork, my pay stub. Well, first, they said my income changed and I didn't qualify anymore,

Then they told me why so I faxed the papers again and they turned off the fax machine. I got three different numbers and none of them were on. I called them and they gave me another number that worked right away. For three days, they said they didn't get the papers on the system. It's supposed to take 48 hours for it. I decided to overnight the documents then they said that the underwriting department will review it and see if they overturn the decision. This was on for about 10 days and they said the same thing: to wait to see if they overturn the decision. Today, when I called they told me that the case will not be reopened and that the people there misunderstood what was going on and that they denied on June 19 because I was missing paperwork, 2 pay stubs. I told the lady that I have a letter were they stated that I have until June 22 to send the paperwork and how come they denied it three days before? And she said it doesn't matter.

I am a single dad with two girls trying to save my home from foreclosure. I have been trying to modify my loans for almost a year with no luck, interest rates at 8.5%and 10.5%. All I want is a rate I can afford. I have hired two companies so far and spent thousands of dollars to be stalled with and lied to about missing papers and incomplete packages. The problem is Aurora Loan Company, they probably bought my mortgage for pennies on the dollar and as my Neg Am loan grows and I go deeper in debt, they have no willingness to help me keep my home; just ruin my life, credit and future of my children because they will make lots of money on interest. Then my home when they steal it from me. If someone out there can help this hard working honest person keep my home from these thieves and the government-run loan sharks, please give me a call.

I went thru a divorce and had to buy out my ex with her share of the equity in the house in December of 2006. At the time the broker assured me that my this was the only way to get the loan was thru a arm rate. He said that I would be able refinance after a few years not telling me that it was a term loan, which ment that I could not refinance without a penalty before three years. My house was appraised at $470,000 so they worked out my refinance. My loan started out with GMAC after a year it was bought out by

Aurora Loan Service which I tried to refinance several times but they said that I would have to pay a penalty of $100,000 to refinance before three years. So I was not incline to give them my equity in the house which I had built up since April of 2000 when I bought the house for $189,000. I had a second mortagage which helped me to give all the money to I needed to my ex and have some to do some home improvements to the house which I did. I got laid off from my job the next year January of 2007 which I was out of work for about three months,but I continued to make the payments until I got a new job. After hurricane Katrina I had a friend move to the area which I rented out a room to her because she did not have no place to stay it helped me because my hours had been getting cut six months after being at the new job.

Last year in August of 2009 I went through a Government counsel company Home Free USA to get help because I knew that things were going to get real hard for me to keep up the payments. I went to them trying to be proactive because I knew my hours were about to get cut again. I fill out all of the paperwork and we faxed everything to Aurora Loan service and signed the authorization form giving them permission to discuss my loan remodification with Aurora. When he contacted them they kept on saying that they did not recieve no documentation or no authorization form this went on for a couple of months.

So I fell behind a couple of months on my payments when they called I told them that I had paper work sent to them and it was suppose to be under review they said if you catch up with your payments they would be able to help me with my remodification,so I missed some other bills to catch up with my payments. I also explained to them that I was going in for surgery in December to donate a kidney to my brother who was getting worse from kidney failure. I contacted Home Free USA and they stated that Aurora was still not trying to help me with my remodification saying that they did not have any paperwork. I was present three times when Home Free USA faxed my paperwork to Aurora by now I had fell behind two months again getting ready to head into surgery.

I was told by Home Free USA that Aurora said they would help me out, but they could not do anything for me until after I had the surgery I was told to give them a call after surgery. So I was on a three way with Aurora,and Home Free USA which I gave them authorization to handle my loan. The conselor called me back after a few days and said that Aurora would not help me and gave no reason. I was off from work from December 2009 to April of 2020 during that time Aurora still would not help me no kind of way. Home Free was trying to ask them for a six month forberion until I got back to work but they refused.I got served a forclosure notice at the end Of March 2010 and was given 45 days before I would be served with an exviction.

I went through Home Free USA legal department to stop the sale of my house. We were able to get everything done with the information I had provided to them again which was the the same information I had been sending them since August of 2009. The customer service agent for Aurora said to me in front of the Lawyer representing me from Home Free Usa that I quilified for a six month forberion under the Obama plan in the amount of $832. He said everything looked good and the only thing he needed to do was to get approval from his supervisor he put me on hold then returned only to say that he could not help me. When we asked him the reason why he said that they could not get paper work to me in time to stop the sale which was to be friday and this was wednesday when we talked to him.

The reason why the president gave this money to the banks was to help out people who needed it not to help out the rich who don't need the help. I know of a person who was making over a six figure salary and they cut her mortgage from $4000 to $2000 and here I barely made $30,000 and they would not help me this is not right and something should be done to fight these criminals who are raping this country for their own profit and pleasure.

As a result of Aroura not trying to help me with my loan I have lost my house and all of the equity that I had in the house along with all of the the improvements which made the house more valuable. I had sell and give away all of my posessions that I could not sell and am currently without a place to call home. I have been living between my brothers house, and my friends apartment. I now don't have a place for my daughter to come over and have her own room and had to get rid of her dog she has had for 5 years.

I have been so stressed out that I have not been able to heal correctly from my surgery I have not been able to sleep through the night, because of all the distress that I have been put through. I lived in this house for 10 years and all of the memories have been now replaced with hurt and depression to the point that everyone say's I'm not the person they knew.

I have been in foreclosure with Aurora Loan for well over 2 yrs. now. After my business failed, I tried many ways to work with Aurora for a loan modification but was told my loan doesn't qualify. I went to Hope For Homeowners but was directed to a credit counseling company. I found this ludicris since I had and have no outstanding debts, not even a car payment!

When I went before a judge in foreclosure ct. he decided that Aurora hadn't tried to work with me so he sent us to mediation. I attemped to make mediation arrangements but was told by Aurora that we didn't need to go to mediation, we could manage our own mediation. This consisted of me doing phone financial evealuations with them week after week and being told I don't qualify for a modification. I attempted to do a deed in lieu of foreclosure. I was told I had to try and sell my home which has depreciated to less than half of the value I puchased it for. I put it on the market and it didn't get any offers even though we dropped the pice to 1/4 of the original purchase price.

I am now employed but was told they wouldn't do a modification because I don't make enough money. I was also told that since It's been almost a yr. since I tried to sell it, I now have to re-list it in order to attempt a deed in leiu again. My feeling is that they will not do a deed in leiu at any rate. My credit score at the time of puchasing my home was 860. I put down $80,000. The economoy collapsed along with my business. My credit score is now around 550. My health has been affected. Aurora calls me everyday but I will only speak to them once a week.

We have 2 mortgages; 1 with Aurora Loan Service & 1 with GMAC both of which are stating we are behind in paying and attaching fees for loan modifications. We have never been late and should not have these fees per the Obama plan. We did hire an attorney however did not know at the time that he would not ligitate and did not resolve these issues. ALS has been attaching our house payments into a Escrow account which the original contract never called for as we paid house taxes and insurance separate from this ARM loan.

We never accepted this increased payment and a 8 year additional loan which would not help with the 5 year ARM that could increase this Fall. We did not sign or return papers and one day a CSR called and asked my husband why this was not accepted the he got mad and hung up on my husband. Very poor customer service. We contacted Adams County Housing Authority who tried to assist with this modification as well and instructed to call HUD for a no cost or low cost attorney according to our income. I lost my job 5-31-10 as the company relocated this office back to their corporate office in Chicago therefore I have no income, my husband is on Soc Sec Disability and cannot work and has not worked for 20 years, our son cannot help us as he is making minimum wage and has his own bills.

I'll give a brief overview and if further info is required please contact me. In 9/05 we purchased a home with a neg am pay option ARM using Homecomings Financial, which then sold to Aurora Loans in I beleive 2008. At the time of purchase we were led by a less than scrupulus mortgage broker, who wasn't even licensed (had someone else who we never met sign off on loan docs) we found this out after the loan funded. We were never informed of the consequences of a neg am loan, "don't worry that never happens". The interest rate began to shoot up shortly after the purchase. We began going negative. Then in 11/2007 our coborrower/owner passed away suddenly and we were left with a neg am for which we could barely make the minimum payments.

We contacted Homecomings days after my mother passed away explaining that we could not continue to make the payments and requested a loan modification. We were told that unless we were delinquent they would not even consider helping. After 3 mos of severe depression from the loss of my mother we placed the home on the market in 2/08. I contacted Homecomeings several times and was finally informed that they weren't going to do anything because the loan was sold and they "got rid of all of their pay options". We began looking for promotion opportunities through my husbands employer. In 5/08 my husband received a promotion to a new city 250 miles away. He moved to a rented apartment in 6/08 while I stayed with the kids to finalize what should have been the sale, we were to relocate in 8/08. We were under contract with my husbands employers relocation company.

One of the benefits is a guaranteed buyout of your prior home, and closing costs are paid. We went through several weeks of inspections and appraisals. The real estate market was plummeting and our million + home was now worth 733K in 7/08. The relocation appraisal does not use fair market value, they use a projected method of value which weighed heavily on the rapid decline of the market. We took this "cash" offer to Aurora Loans and thats when everything fell apart. We knew that we were facing a short sale but there was nothing that could be done by then my husband had already started work in the new city in 6/08, relocation benefits had already being paid out. We had a deadline of 9/25/08 for the buyout offer.

Aurora spent the next several weeks, running us around. We never got to speak to the same representative, were told everything from, we never got your financial packet, it will take 10-12 wks to even look at it, they even told me that the file was closed by me because I wanted to keep the house, a lie. We sent our entire packet 3 times, were told it was never recieved, and an endless number of other lies. They wouldn't process our file because we weren't in default, thats what we got for trying to do the right thing. We got ourselves in thousands of dollars of debt between the time of my mothers death and the time they finally got what I beleive they wanted the whole time, the property to foreclose. We received no assistance from them they said that we needed to stop making payments or they wouldn't even consider a short sale.

We were moving and needed to buy another home we couldn't ruin our credit, which was in the high 700's at the time. We continued to pay the mortgage 1st and 2ns for 3 mos after we had to relocate to a rental house, pool, lawn and utilities, over 10K to maintain the property. We were again doing the right thing, we ask for a deed in leiu, even offered to sign a note for the difference, anything to get the house sold. They never wanted to allow us to sell, I beleive their intent from day one was to foreclose this property. Whatever stimulus money they were, have or will get was through the loss of our property, (we had $200k into it as down payment plus upgrades), and now we are in the process of filing bankruptcy due to the debt we incurred trying to "do the right thing".

Never again, we are jaded now. Bought and sold 7 homes in the past 20 years always doing whatever it has taken to pay our debts never would have dreamed we would end up in financial ruin from the GREED of a corporation such as Aurora Loan Services. I have to beleive that they will eventually be brought to answer for their behavior. Homecomings Financial needs to also be looked at as well, since they were the company that offered the pay option negative amortization loan in the first place. Foreclosure, loss of our investment $200K. Debt of several thousands to keep property up after relocation. Bankruptcy filing in process currently. Stress, and physcial strain. Clinical depression, for me. Loss of excellent credit rating.

Had filed a claim for tree damage to roof. Took them 7-10 days to get me the forms to fill out (Said it would be overnighted) Sent them all paperwork and check from insurance company and they deposited it on 6/1/10. I called to verify receipt and both electronic message and rep said it was received and a draw (1/3_ would be sent in 5-7 days. When that didn't happen, I called on 6/10 and was told that it would be going out overnight mail.

On 6/11 I did not receive the check, I called again and after a numerous amount of waiting time I was told that the person I was talking to (Spencer) had gone personally to have the check expedited and it would arrive overnight on Saturday. Again no check and when I called on Monday I was given the run around and received a return call from a woman named Tammy who left a message that it would take 5-7 more days for the check to arrive. When I wouldn't accept this and returned the call I was given to a floor supervisor named Ken who reiterated what Tammy had left and took my cell number to call me when the check is sent. In the meantime the roof has a tarp on it and the damage is now almost a month old. My gut feeling is to sue Aurora for the balance on the mortgage ($141,000) and let them keep the check for the damages incurred.

I would like to file a formal complaint against Aurora Loan Services (2617 College Park, P.O. Box 1706, Scottsbluff, NE, 69363-1707). Our complaint centers around our request for a loan modification on our second loan, which was filed for in May, 2009. To date, we have not received a decision and have received nothing but outrageous stall tactics and a complete lack of response. We are currently on the verge of losing our home. I have provided Aurora every requested document 26 times and have kept written proof of such (Signed USPS return receipts, fax forms, etc.), but they continually say we need to provide it again.

We have complied with every request from Aurora and I have called numerous times to ensure communication and to resolve our situation, but continually receive stall tactics. Here is the response we have received from Aurora after one year:

1) Repeated request for the same documents, which have been provide to them 26 times. I have proof of Aurora receiving the documents via USPS signed return receipt, faxed, etc.. Every time we send the documents, they send a letter saying we have not provided them. These documents contain confidential information, such as tax returns, pay stubs, social security numbers, etc..
2) Varying answers to questions, depending on who you speak with any given day.
3) Several fee's applied by Aurora during the course of the year, including attorney fee's, late fee's, "Other" cost, accrued finance charges, etc.. These fee's accumulate during the course of their stall tactics.
4) Continuing negative credit reporting to our credit history, which has been devastated.
5) Continual, blatant and outrageous stall tactics.
6) Given the fact my confidential documents were provided to Aurora 26 times and they maintain we did not provide them, I have made several request for someone to contact me and explain where my documents have gone. One year later, not a single word of explanation or call.

7) I have called several times and have asked to speak with a home retention specialist. I was refused and told "Not without a valid reason". I guess losing my home is not a valid reason to Aurora.

The following is a brief summary / sequence of events:

6/2009: We applied for a loan modification for our second mortgage loan due to medical issues / bills and a reduction in income. I provided every requested document, financial application and hardship letter.

6/3/09: Request from Aurora for additional documents (Already provided during the initial application).

6/3/09: Another financial application provided to Aurora Loan Services at their request, despite being provided one less than two weeks prior.

6/3/09: Another "Hardship letter" provided at the request of Aurora.

6/16/09: Request from Aurora for additional documents (Already provided two weeks prior).

6/20/09: Request from Aurora for additional documents (Already provided). I requested an immediate review of our application as my wife was off work on FMLA leave and our daughter was in the hospital.

6/22/09: Mailed and faxed the requested documents.

6/23/09: Request from Aurora for additional documents (Already provided).

6/24/09: Letter received from Aurora stating they received our financial package and will provide a response within 90 days.

6/29/09: Mailed and faxed requested documents (Already provided).

9/19/09: Listed home for sale.

10/18/09: Letter mailed to Aurora requesting a decision to our modification application. I called 3 times prior, with no decision being provided and was continually told to call back "Next week". Aurora confirmed all required paperwork was received. (Application well over 90 days old at this point).

3/16/10: (Approx), received a proposed loan modification, which was unrealistic, only modified by about $100 and not financially feasible for us. I sent a written response and requested reconsideration as to a further reduction.

3/30/10: Received letter stating our request for loan modification was denied.

4/5/10: Called Aurora and requested to speak with a home retention specialists. I was refused to be allowed to speak with one despite several request.

4/5/10: Called and requested to discuss proposed modification amount. I was told they would not come down as "That's what the investors wanted". Again told we need to provide additional documents.

4/7/10: Again responded to Aurora's proposed modification and that it was not doable for us and detailed our situation in writing.

4/8/10: Faxed requested documents 3 times.

4/11/10: Letter from Aurora stating they received our correspondence.

4/15/10: Request from Aurora for additional documents (Already provided).

4/20/10: Provided another hardship affidavit to Aurora at their request.

4/21/10: Re-sent loan modification application (Second one).

4/22/10: Mailed documents via certified return receipt.

4/22/10: Mailed documents first class mail.

4/22/10: Faxed documents 3 times.

4/27/10: Request from Aurora for additional documents (Already sent).

4/30/10: Request from Aurora for additional documents (Already sent).

5/7/10: Faxed requested documents 5 times.

5/7/10: Faxed requested documents additional 2 times.

5/7/10: Letter sent telling Aurora I have sent them all of the documents numerous times, provided them copies of the certified return receipts they signed.

5/7/10: Letter requesting they call me regarinding the sent documents, their stating they have not received them and where they have went due to the personal information contained within them (To date I have not received a call or any information as to where my documents went).

5/8/10: Mailed documents 2 times

5/8/10: Faxed documents 5 times and requested they call me as soon as possible. I have never once received a phone call from them.

5/12/10: Letter from Aurora stating they have been trying to contact me,

5/14/10: Received letter requesting the same documents provided numerous times. This letter had the wrong loan number, listing my first loan when we are trying to modify the second loan.

5/14/10: Called Aurora, informed them of the wrong loan number and that we were trying to modify the second loan, not the first. I told them the documents were already provided over 20 times. I was told they would ensure the documents were forwarded to the correct loan number and that they had received the documents requested.

5/17/10: Request from Aurora for additional documents (Already provided), which again had the wrong loan number listed.

5/21/10: Again called Aurora and told them they again had the wrong loan number, we were trying to modify our second loan, not the first. I was advised they would forward the documents to the second loan, correct the number and someone would contact me.

6/2/10: Received letter from Aurora requesting additional documents, again listing the wrong loan number.

We have conducted research with several agencies, including Consumer Affairs, Complaints Board, BBB, etc. and have discovered there are thousands of complaints regarding Aurora over identical circumstances. Many have lost their homes due to their actions and Aurora is making it impossible for us to keep our home. I have provided just a few of the complaints filed with the Complaints Board and Consumer Affairs so you can see the history and actions of Aurora. As an example, if you review the complaints regarding Aurora on the following websites, you will be astounded: Complaintsboard.com and Consumeraffairs.com. In addition, I have written documents providing verification of all of my statements.

At this point we have no other choice but to file complaints with the appropriate agencies as I believe the actions of Aurora to be in violation of the law and / or regulations as applied to lenders. We have made every effort, and beyond, to work with Aurora, but have received nothing but stall tactics and games in response. Please feel free to contact me if you have any questions. ANYONE KNOW OF A CLASS ACTION LAWSUIT REGARDING THIS? Thank you in advance.

We have been trying to get a Loan MOdification from this place since Nov. 2008, (but we weren't behind until Jan.2010) So they would not even talk to us until then. Our son is living in the house and my husand and I got the loan in our name. After 2 years, we got a Quit Claim Deed to get the house in his name too (because the City of Warren was charging too much for property taxes. My son was laid off in 2008 for about 6 weeks and then had to take a pay cut. The house payments were current the whole time, but he got a year behind on the taxes and the City of Warren notified Aurora, who then paid the taxes - for 2008, 2009 & 2010 - which caused the house payment doubled in payment. We tried to work with them to spread the taxes out for 5 years or to add to the end of the loan, but to no avail (we started working with them in Nov. 2009.

The taxes didnt get added to house payment until Jan. 2010 and that's when we got behind. I applied for a Loan Modification in Feb. 2010. I sent all information by fax and also sent by certified mail. They notified me that they had received everything. Then the phone calls started - they call me every single week and go thru the same thing every week, first they have to verify all my information and then start asking why we are behind (it's the same every week) So when I try to find out how the loan modification is going, they say we should know something by the middle of May, 2010. Well you guessed it, They mailed a letter on 5/17/10, stating our information was incomplete and I had to resubmit it (after 3 months of waiting!) In the letter it stated we had ten (10) business days to get it to them, I mailed all the information they requested.

On the same day, they mailed a letter to us stating we had been denied because they did not receive the information! I called and talked to Ana (supposedly a Loan Officer at above no. and she told me the letter did not have a date on it, that it said immediately. Now she said I have to call and do a telephone interview and they will give me my options.

I have had it, my son has made a few payments, but financially it is very hard to do, he drives a beat up old car, that is ready to fall apart, he works everyday, he has even tried to find a 2nd job, but to no avail. These are the most unreasonable people and they are so relentless. They call me every single week and I really feel like it is harassment. I have so much paperwork regarding this, and it's never ending. Also when you call them, there is a recording regarding President Obama's Making Homes affordable, but they sure aren't doing that.

My husband and I tried to do a good deed for my son, when we got this house in our name. He had gone thru a divorce and had lost his first house,so this is really hard on him. My husband retired last year, and now has to go back to work, because these people are ruining our credit. My health is suffering from this, I have very high blood pressure and it happens every week, because these people will not quit calling.

My loan was sold to Aurora when it was owned by Lehman Bros. I have one of those adjustable arm loans. I have been fighting with Aurora since April 2009 trying to get a loan modification. They have done the same stall tactics with me as everyone else no answers, claim they didnt receive the paperwork,lose paperwork, put someone elses paperwork in my file and always requesting additional information. Their customer service people were either morons or rude. I filed for the modification the 1st time April 2009 and they said I didnt qualify for the modification BEFORE THEY RECEIVED THE PAPERWORK.

May 2009 I called HUD and HUD they made Aurora reassess the paperwork requiring more additional information and in June 2009 they denied me for the 2nd time. Oct. 2009 I was mailed a packet of info stating I could qualify for the modification. Which I then had to fax twice and then mailed January 2010 they needed a letter from my lawyer which was faxed twice & they lost it. When they found it Aurora said the letter didnt have enough information and have the lawyer send another letter (this all took 2 months). In May 2010 they asked for additional information again.

June 1, 2010 Aurora tells me on the phone I dont qualify for the modification because they cant afford to give me the loan at that rate?? I have made 8 modification payments on time per their rate and instructions. I have not received any paperwork stating what I was told over the phone. Aurora told me I would receive an answer in writing in 60 business days.!?!?!?!? Now I go on my loan site and I cant access any information about my loan.

statements ad nauseum over and over again. Their response was that they would not even talk to me unless I was in default.

would be happy to provide you a copy of the workout agreement)

offer...

just like this. and there appears to be a class action suit against them.

We begged for a re-modification last year when I was laid off from my job. They gave us a forbearance. Payments went from $755.00 per month to $1172.00 per month. I finally got another job. The foreclosure sale is set for May 12, 2010. I really need some help to save this house. This house is close to VA. The tech and the mortgage company really wants this house. Please help me. I live in the house and my name is on the deed. Michael's name is on the mortgage. He would like to not lose the house too. My work makes about $60,000 per year in my new job. They gave me a 10-day notice for the foreclosure date. I nearly had a heart attack.

Please let me hear from you very soon as I have no money to move somewhere or pay deposits on another house. I have begged for the Obama re-modification and they refused repeatedly. They said it did not qualify for the plan. They said the forbearance has to be finished before the re-modification can take place. I would agree to assume this loan from Michael if possible too. Thank you so much for your help.

I fell behind on my mortgage with Aurora Loan Services and then was offered a temporary modification plan for 6 months. After making payments on this modification for 3 months, Aurora Loans went behind my back and in the meantime sold my house without ever notifying me and gave me 3 days to move out. After contacting Tom W.'s office Deborah K. told me that I cannot speak to me and would have someone look into it and get back to me. I got a call back from a Kyle G. who then told me he was going review the loan modification and that my move out date was extended to June 25, 2010.

After reassuring me over and over that my move out was June 25, 2010, their attorney went ahead and filed an eviction and serving with papers. I went to the emergency room after suffering chest pain and having a panic attack of being notified. I am now being evicted when all along I was told I had until June 25, 2010 and that they were still working on a loan modification. After receiving the eviction I called Craig W. and he basically doesn't care and neither does Kyle G.. He had Deborah K. get an attorney Justin and have him threaten me not to contact Aurora Loan Services, but to instead just deal with him and he basically told me that Aurora Loan Services is not going to work on a loan modification and that they no longer have the paperwork I submitted to Kyle to be reviewed for a loan modification.

I have proof that he received it. And Deborah K. is a lying two faced person. She tells you one thing and then hangs up the phone and has attorneys threaten you. Basically, stay away from Aurora Loan Services. They are not in the business of helping you. They are in the business of ripping people off and sending people to the hospital waiting for them to die and take their money.

I fell behind on my mortgage with Aurora Loan Services and then was offered a temporary modification plan for six months. After making payments on this modification for three months, Aurora Loans went behind my back and in the meantime sold my house without ever notifying me and gave me three days to move out.

After contacting Tom *'s office, Deborah * told me that he cannot speak to me and would have someone look into it and get back to me. I got a call back from a Kyle * who then told me he was going review the loan modification and that my move out date was extended to June 25, 2010. After reassuring me over and over that my move out was June 25, 2010, their attorney went ahead and filed an eviction and serving with papers. I went to the emergency room after suffering chest pain and having a panic attack of being notified I am now being evicted when all along I was told I had until June 25, 2010 and that they were still working on a loan modification.

After receiving the eviction, I called Craig * and he basically doesn't care and neither does Kyle *. He had Deborah * get an attorney Justin and have him threaten me not to contact Aurora Loan Services, but to instead just deal with him and he basically told me that Aurora Loan Services is not going to work on a loan modification and that they no longer have the paperwork I submitted to Kyle to be reviewed for a loan modification. I have proof that he received it. And Deborah ** is a lying two-faced person. She tells you one thing and then hangs up the phone and has attorneys threaten you. Basically, stay away from Aurora Loan Services. They are not in the business of helping you. They are in the business of ripping people off and sending people to the hospital waiting for them to die and take their money.

My daughter purchased a home for me with the proceeds from a fire-damaged home. So a large down payment was paid for a home for me. The problem is two years later, the mortgage payment went up more than $500. So I asked my daughter to request a modification, because when I looked at the paper she signed, the loan would also go up in another year to $4500 a month.

Obviously, this is a loan that was set up to fail. I just didn't know that. My daughter said the lender promised she could get her a better loan in a year. The lender pretended to commit suicide, and when that didn't work, she moved to Costa Rica. In the meantime, I am not the person on the loan and cannot get a modification or a short sale, even though I am the only person paying these excessive loan amounts in my daughter's name.

The entire income amount that I earn goes to Aurora in a modification scam that raised the payment instead of lowering it. I am waiting for two months of income to afford one payment. Voodoo economics again.

My husband lost his job entirely in June '09. During the year prior the workload had been diminishing and his work hours were very low so we had fallen behind on our payments. When we contacted Aurora, the only options we were offered was to increase our payment amounts to "catch-up" on our delinquent money , which if we could not afford, our normal payment what made them think we could afford an increased amount.

So in May '09, I borrowed against my 401K to bring our account current. Unfortunately in June, Greg lost his job, so here we go again. Instead, this time, we went ahead and hired an attorney's practice for $4,000, which in order to pay them we had to forego making our house payment for 3 months and are now several thousand dollars in arrears to Aurora again. This attorney's office Dunn Russell & Assoc out of California requested we send them all the original documentation so that they could review it and would work with Aurora to modify our loan down to a more affordable payment and a fixed rate. Remember this all started in July '09.

After sending them the requested information, all they did in return is forward it to Aurora. At that point, we were told we had to make 4 consecutive payments of $1,347 (which is higher than our original payment amount) and was told by our attorney's office that that was all that could be done at this point. We were able to do this and in December, I began calling Dunn Russell to inquire where we were in the process. All I got in return is a run around, come to find out they have filed for bankruptcy!

So we are back dealing with Aurora directly and were told our file would be reviewed on 3/5/10. We have been in contact with them several times since that date and are told the same thing each time with the addition of they want more documentation. So here we are in April 2010 and are out $4,000 to an attorney's office that did absolutely nothing for us and still have no end in sight as to if we will be approved for a modification that we can afford.

We have been attempting to modify our loan with Aurora since October of 2008. At first, we were being "assisted" by a third party called Green Credit, later changed to Guardian Credit. They charged us $3,500 to help negotiate a loan modification. It turned out they were operating illegally. The short story is that they took our money and did nothing for us. We then began working directly with Aurora. By October of 2009, we were told our workout package was complete and that we were eligible for the HAMP program. We were put on a three month trial period of payments that were quite affordable for us and included taxes and insurance.

At the end of the three months, we were told we would have an answer in February of 2010. In February, we were told they needed more documentation, which we provided. Meanwhile they instructed us to keep making the trial payments despite the trial period being over. Each month, I called, made the payment and asked if they were absolutely sure that our package was complete and not missing anything. Each month, I was told they had everything they needed and were just waiting for an underwriter to review the package.

On April 14th, out of nowhere, we received a call from Aurora stating that our modification had been denied, and that we were now in default, owed over $14,000 and would need to start completely over to see if we qualified for a different modification program. The reason for the denial? There was a document missing from the package.

So despite my asking each month if anything was missing and being told no, they had everything, we've been denied for missing documents. I was then told that we can appeal the denial. All I had to do was send in the document in question (a 2009 P&L statement for my self-owned business). I did so, and called to be sure they received it. They said they did, and the underwriter would review. I received another call today from Aurora. Now they are saying there is no appeal allowed for the HAMP program. Once you've been denied, you can not do anything. They stated that we'll have to make forbearance payments for 6 months, then after that, they'll see if we qualify for any other loan modification. They made me give them all my financial info over the phone and said to expect a package in the mail in the next few days regarding the forbearance period.

We have been under so much stress for the past year and a half, constantly worrying that we will lose our home. The reason we began the process in the first place was that I was laid off from a much higher paying job in 2007 and my subsequent business resulted in greatly reduced income. We were unable to make the fully amortized payments. Being an option arm loan, this meant the principal increased each month and we've become further and further upside-down.

The fact that Aurora didn't tell me about the missing document until after they denied our modification means we've now missed our chance at the HAMP program. We continue to be farther and farther behind on payments while we're in this forbearance period and we still have absolutely no idea if we're going to lose our home. We can barely sleep. The constant worry is taking a toll on myself and my husband, and it's becoming very difficult for me to run my self-owned business. I don't understand how we could have been eligible for the HAMP program, given a trial period, and then been denied after successfully making the required trial period payments.

After 3 years of repayment plans, and lies, we were approved for a loan modification and given a payment amount of $1,622.47 in October 2009. Aurora promised that the paperwork was on its way. After 3 months of continuously calling Aurora to ask where the paperwork was, and attempting to make payments of $1,622.47 (which Aurora would not accept because they said we had not received the loan modification paperwork, and to have patience as they were backlogged and would be sending out the paperwork), in January 2010 our file was erroneously re-reviewed and we were told that we were denied the modification, after already being approved.

Aurora set a foreclosure date of 5/14/2010. We have attempted to get this straightened out, and were told by Michelle and Yvette, reps for Aurora to file a complaint with their corporate office (which we did on 2/26/10) and that we should receive a response by 3/24/10. To date we have not received any information as to whether Aurora will rectify their error and allow us to save the property from foreclosure.

We have been in the process of working out a loan modification with Aurora Loan Services since 2008. We have followed through with our agreements, kept promises and recently we were informed that because we did not follow through with a payment arrangement that we were denied. This is far from true as we have made every payment on our loan with the attempt to have this matter resolved. I spoke with a customer service representative that confirmed this information for me and transferred me to the underwriter that was handling my loan.

I have not received a return response as of today but upon returning a call to Aurora Loan Services, the only option they offered was me to make a payment of $3,000 and to then make payments of $1,300 ( a total of $4,300, which is far more than my first and second mortgage combined and if we were able to make that sort of payment we would not need help with a modification). I'm now asking for assistance for this matter as this situation has gotten out of control and is far more than we are now able to handle. I can give estimated dates and times of conversations and exact detail of what has happen since we began this process.

We recently received a letter from a foreclosure attorneys office, stating that we owe $4,0000 to bring the loan current which is also a conflict of information because just last week when we were offered this new agreement the amount was $18,000. All we wanted to do was be able to save our home from going into foreclosure. We never imagined that it would take almost two years. We never imagined that we would comply with all the details and then be told that we are still taking you to foreclosure.Thanking you in advance for your assistance. We are now facing foreclosure as we received a letter dated 3/24/2010 stating that we are to bring this matter current.

In Jan 09, I called ALS to ask for a loan modification before we fell behind. I was told we had to miss 3 payments in order to qualify for a modification, never once telling me that I would go into foreclosure. I completed the repayment plan and they refused my last payment and told me that I had to complete another payment plan that would be closer to my permanent loan modification amount. I completed that plan, then was told I didn't qualify for modification. Then called again and was told investor didn't want to modify my loan base on my 38% debt to income ratio. I told them that was for a new mortgage not a modification of and existing mortgage. Then we sent all our information in again and they said we didn't qualify, but if we made this third repayment plan we could stay in house until it was completed.

Then out of nowhere, the sheriff served us with foreclosure papers, no attorney would take our case without a 5000 dollar retainer fee. We couldn't afford this so we went online and filed the answer ourselves. Their attorney never showed up for court because nobody ever defends a foreclosure.The judge ordered them to show up and postponed the hearing for two weeks. Today I went and the attorney still didn't show so the judge called him on phone broadcasted it over loudspeaker system in court, and denied their motion to strike our reply.

Based on the fact they can not tell you to miss payments in order to qualify for a modification. The attorney for them was misinformed it seemed, because he said that we were giving up the house.And also said that was the guidelines for modification was to miss 3 payments. The judge denied his motion and now we are waiting for summary judgement but another attorney said that we are entitled to damages because they intentionally mislead us into foreclosure.

Even though we have followed exactly what they told us to do. It seems they do not wish to modify anything, because they can collect on the mortgage insurance protection on the difference they sell property at foreclosure sale. I thought I was the only one and by accident while researching summary judgement ALS complaints automatically popped up. It seems that not just a regular attorney can fight this. It has to be a business law attorney. Sure there are plenty of real estate attorneys but this has something to do with unfair loan practices. Don't give up, that's what they hope you do. Has this happened to any one else in Wisconsin? And I am looking for legal help to fight this unfair foreclosure.

My husband and I called Aurora several times asking for their help with our loan starting in the beginning or 2009. We tried for a loan modification and were denied. In January of 2010, we didn't have the money to pay our mortgage. In early February, we called Aurora yet again asking if there was something they could do to help us not fall behind on our home. We had owned the home five years and never had a late payment or missed payment and really would like to stay on top of it. Aurora said we did not qualify for any of the new programs but we could do a special forbearance payment plan that would eliminate the late fees we had associated with the late payment for January and any credit reporting.

My husband asked them several times about whether our credit reports would show a trail of late payments with this plan and was told no. To my surprise, yesterday I pulled my credit report as I do every three to four months and found that after we signed the forbearance in February and sent them the payment we worked out, they in fact reported late payments for the past two months.

I called Aurora and not only were they very rude to me but basically told me oh well. I asked that they review the taped conversation between my husband and the person he spoke with about the forbearance and was told that they would but if he was told it would not be reported on our credit it doesn't matter. It may have been a mistake on their part but there is nothing they can do. I responded by letting them know that there would have been no way we would have done the special forbearance had we have know our credit would show consecutive late payments for the duration of the forbearance.

I also asked if there was anything at this point I could do to rectify this situation. I was told no. How sad that in today's economic times people like my husband and I who have never had any issues with late or none paid payments can't get a break. Not only are we trying not to let our home go into foreclosure but we have had to pull our retirement and children's college funds at age 33 and 36 to pay our mortgage. There has to be something the government can do to stop mortgage companies from misleading consumers! Late payments now show on our credit reports effecting our scores.

My husband and I have been working with Aurora on a Loan Modification for over a year now and is still not successful. We too get the run-around from Aurora. They always need more documents even if I faxed all the documents to them already. On our first trial, they denied us because we had a surplus of $1700. I have no idea where they got the number from, but I'm sure that we don't have $1700 extra every month.

Then after that, it's always because we had a deficit, and according to our financial report that we faxed in, not one show that we had a deficit. I'm not sure what kind of expenses they're including for us in their financial reports. We have tried 6 times already, still no result. Every time they gave us a trial period, we end up accumulating our past due amount. Not sure what to do. From reading all the complaints about Aurora online, it sounded like they do not want to work with any of the homeowners. So then why did they sign up with the Obama's program? Is there anything that we, as the homeowner, can do about Aurora? Help!

This loans service starts to harass people like me who make my payment on 6 or 7 of the month. Not on the 1st of the month, and for which payment is not due till 15th of the month. They start calling my home and my cell phone demanding for payment. I always pay my bills.

These people are slow! They have been working on a mod for me for almost a year. They take so long to look at the docs, that they expire. About 4 times now, I have had to send them all new paperwork. They keep asking for the same thing over and over again.

Aurora Loan Services after harassing me and forcing me to pay more than what I was owing, foreclosed my rental home on February 4, 2010. I have a very good paying tenant in that rental since July 1, 2009. Prior to that, I had a tenant who owed me $14,000 plus in back rents which I did not know until February 2009 when I took over the management from my hired property manager. I took over the management because I got laid off from Washington Mutual Bank as a Software Quality Engineer in January 2009. Six months after that, my husband suffered from ischemic stroke.

I am writing to you to at least write in the paper about Aurora Loan Services dealings with borrowers like me. I am just surviving with the unemployment and trying to get rental's income as part of our livelihood. Aurora Loan Services (ALS), also known as Lehman Brothers, has lied to my records in their system. I seek help from their Executive Committee to please postpone the foreclosure due to my loss of job and my husband who suffered a stroke back in August. Yes, they postponed the foreclosure to 30 days and just offered one and only solution to pay a monthly repayment of $2,425 per month for 8 months. My regular mortgage payment was $569 + PMI. I honestly told them I could not afford that, as I am only collecting rental income of $1,025 per month less insurance fees, HOA, and other maintenance.

The Executive Committee who offered me this repayment plan was so stern and not compassionate of my situation. It is like a do or die thing. She said that I was in deficit of -$5,500 per month which was not true. I told her that if I was on deficit that much, I would have let all my rental homes go. In the paper I submitted, I was not even at negative or any deficit. They entered my financial figures in the wrong place and with the wrong amount.

She said I have no other option. I cried and I prayed to God and I called ALS Customer Service hoping I could find a rep with a heart. Fortunately, I found one that had looked at my financial information as entered by Ms. Alicia **. The rep's name is Tony ** who told me that there was an entry at the credit card payment of a big amount. I told Mr. Tony ** that I do not have credit card since I filed for Bankruptcy Chapter 7 in 2007 after almost dying from pre-eclampsia delivering my first baby.

In short, Mr. Tony ** took my information over the phone and told me that he can help me get caught up. He asked me if I can pay $1,872 per month for 9 months. And then in June 2010, I can resume paying my regular monthly payment of $569 + PMI, which is at a total payment of $669. My loan is an Option ARM loan. I never refinanced since I bought that home. Over the phone this was our conversation. Ms. Alicia ** was so furious that I got away from her threats. I strongly believe that she intervened in the Repayment Plan. Hence, the Repayment Plan document that I received has a balloon payment in June of $10,000 plus.

I did not want to sign the Repayment Plan because this was not what Mr. Tony ** had promised me over the phone. I called and asked again for the explanation, but to no avail. All I got was an advice from the manager of Tony **. His name was Jason **. His advice was to just sign the document, so I won't lose the home to foreclosure and then dispute it later.

I followed his advice. I paid the down payment of $1,300. Then, I mailed my first repayment plan payment of $1,872 in cashier check via FedEx with my letter, inquiring why I got a balloon payment to Ms. Alicia ** and Mr. Tom Wind (President of ALS). But after they had received my payment on time, Mr. Tom Wind just gave it all to Ms. Alicia **. And I had never received a letter acknowledging my inquiry from Mr. Tom Wind. The worst was Ms. Alicia ** did not post my payment, in which after two weeks I received a letter that I broke the Repayment Plan that my home will be foreclosed. I was so stressed at that time, because my husband was not well yet and has been in and out of the hospital through 911. I had to make extra effort and pay FedEx again to send my proof of delivery of that payment. I never heard back from Ms. Alicia ** whether she found my payment or not. I had to be the one to call her and ask her what happened. She never returned my call.

I paid again in November, with a follow up on the balloon payment, but never heard back from ALS what this was all about. In my upset feeling being treated unfairly, I paid my regular monthly payment in December which is $669 to catch their attention. Sure enough Ms. Alicia ** called. She said, "You broke your repayment plan and we will no longer be able to assist you." Despite of my asking for an explanation on the balloon payment, all they are eager to do is to foreclose on my home.

I could not hire an attorney to represent me. They continued and foreclosed on my home on February 4, 2010. In January 2010, I had sent via FedEx my letter of disappointment on this ALS to the White House. I also went to the White House website and almost daily I had been asking for help. I understand that the White House has been receiving floods of inquiries like mine. I am not at all disappointed of our government. It is more on these banks that had received bail out money like Lehman Brothers who has been so unfair and has lied to my record system. So when I attempted to call the customer service, they can no longer help me with any workout, as Ms. Alicia ** had put a flag on my record system on their end.

It was such a stressful ordeal. Now I would like to request your help to put them on the cover of the newspaper. There are a lot of blogs about Aurora Loan Services who had foreclosed on thousands of homes and has been so mean to borrowers. On February 4, 2010, Aurora Loan Services tried to auction the property and nobody had bought it. They are now the current owner of what I had invested in the first place. This has my retirement money on it.

Today, my tenant in that home is facing an eviction process, even though by TN Law she has a bonafide lease agreements and has receipts that she is paid up to April 30, 2010. I hope if you can put them on the news, it would at least give my tenants some time to move properly and not to be harassed by their eviction. I plan to help my tenant's move, but I cannot attend the court date they set on March 10, 2010 because I am taking care of my husband and my two kids, 8 and 3. Please help me in getting to the public how Aurora Loan Services deals with struggling borrowers like us and how mean they are to tenant with a bonafide lease agreement.

I also had emailed Mr. Arnold **, as according to my loan document, he is my trustee. But he returned my email and I had spoken to his office that he has no interest in this property. I was wondering who really owned my property before I lost it. Thank you and I am hoping you could write something about Aurora Loan Services. This would mean a lot to us taxpayers who had lost our homes through Lehman Brothers/Aurora Loan Services' fraudulent and unfair treatment.

I received your letter dated January 14, 2010 through Ms. Alicia via UPS just today, January 18, 2010 at 2:45pm. Thank you for providing an email address that I may be able to respond without leaving my husband and my two kids to send through FedEx. I agree with your understanding on the background of my loan situation, except for a few things. I can name three of them in this email and they are as follows:

1) 7th Paragraph of your letter: Ms. Alicia got all my documents but the staff she assigned to enter my information, did not enter them correctly, hence, it became as if I was in deficit of -$5,596.08. I tried to dispute that because, that was not true at all. The staff even put in a credit card payment of a big amount, which I never used any credit card since I filed for Chapter 7 Bankruptcy on October 10, 2007. I have a hard copy of my financial statement that I sent to her, but Ms. Alicia did not listen to my request, instead she concluded she could not help me at all that my property will be foreclosed.

2) 9th Paragraph of your Letter: Aurora Loan Services did not in anyway, volunteered to help me out, I was the one who did not stop calling and initiating a call to the Home Retention Team, and there I got someone who is compassionate of my situation (unlike Ms. Alicia). That representative took all my information based on my hard copy of financial statement and gave me hope that I can get approved for a special forbearance first and then loan modification after the forbearance.

In that conversation, he specifically told me that the payment of $1,876 for 9 months would bring me current and will resume my monthly payment of $654.80 which may change depending on the interest rate. I was very happy that someone out there in that company took my situation seriously. When I received the Special Forbearance Package, I found out in one paragraph a balloon payment of $10,000+ due on July 2010 after paying $1,876 for 9 months.

I calculated all my payments and my supposedly due. I was surprised why they charged me so high. I called the Home Retention again, I spoke with several people including Jason who told me to just sign the document and dispute the amount later so I won't lose the house. With Mr. Jason's advise of Aurora Loan Services, I signed the document, prepared a cashier check and send that package back to Aurora Loan Services (ALS). Then I immediately sent out communication to Mr. Tom, inquiring on why my outstanding balance has become so high, letters which I believe after been received by his secretary they throw them back to Ms. Alicia .

3) 11th Paragraph of your Letter: Payments for my latest Special Forbearance was sent to the Attn. of Ms. Alicia on time, via FedEx overnight (I had proof of the Tracking Number), which Ms. Alicia did not post to my account right away and might have been in her table until the Aurora Loan Services sent me a notice that I broke my forbearance. As soon as I received the notice, I complained about it that Ms. Alicia should have received them on time as stated in FedEx tracking number. Ms. Alicia, responded that she will research and I never heard back from her.

I had to call her back to make sure they posted it to my account. She is just not on top of being Consumer Advocate as far as I am concerned. She is not very helpful at least on my side, but also not to Aurora Loan side as well. I really did not want to have my file sent to her. Mr. Justin, please also find attached a scanned document of my email to Ms. Renae, commending Mr. Tony, the Home Retention representative who had helped me correct my financials and offered me a Special Forbearance.

Please find attached as well my request to stop foreclosure dated September 1, 2009 when they wanted to foreclose the property just because they have not received the updated financials they were requesting from me. The main reason was that I was at the hospital when my husband had a stroke and was disabled for almost 1 month and in and out in the hospital after that. Also, a copy of the cashier checks I paid for this Special Forbearance agreement to prove that what Ms. Alicia was accusing me of that I was on a deficit of -$5,596.08 was not true. If I was way in that hole, they would not hear from me, I will just all my rental properties go.

Bank of America has loan modified 10 investment loans from my portfolio with them and I am doing better with the new payments. I cannot believe Aurora Loan Services would always threaten me and has been harassing me this way, especially Ms. Alicia. I do believe that in the Home Retention some customer representatives still have the heart of compassion towards borrowers like who has a valid reason for the delinquency. I really want to save this property, the reason I did not pay the exact amount due in my special forbearance in December 2009, is because I have not heard from Ms. Alicia on my inquiry on why there is a balloon payment after I pay the $1,876 for 9 months. She was not communicating back to me what I need to know and what I am entitled to know.

I did not pay the exact amount to catch her attention as I don't want to keep paying $1,876 when at the end of 9 payments, I would have paid a total of $16,884, then still in that contract I was required to pay an additional $10,585.66 in July 2010. As you have stated in your letter based on what they gave you as well, that I have agreed that I am owing $14,899.48 (paragraph 9). Well, my special forbearance of $1,876 would have taken cared of that plus the regular monthly payments, my question to Ms. Alicia, is that why do I need pay a balloon payment which she never answered me with facts. I pray that you as their attorney, would see some kind of light on my behalf to help me save this home as part of our livelihood. I felt so harassed.

Our financial downfall started when I delivered my son back in 2006 and I almost died of eclampsia and I was advised to be on disability from my IT job for 8 months. I file for bankruptcy then thinking I would not be able to survive all our financial bills given my reduced income at that time. However, I did not fail to pay Homecomings Mortgage which was the lender before Aurora Loan until sometime in 2008 when I had a tenant who did not pay rent and our property manager did not disclose to us that he owed $14,000+ in rent, I did not get to evict him until I took over the management. On January 29, 2009 I got laid off from my full time job at Washington Mutual as a Sr. Software Engineer.

I have been actively applying for a job to replace what I lost, but on July 10, 2009, my husband had an ischemic stroke (attached MRI result), he wasn't able to walk for a period of time, he was hospitalized for almost a month, and had some TIAs or relapsed several times after that. It was a very difficult year for us due to the illness. I also learned from my property management that they received an offer from Aurora Loan Services for them to buy this property below $70,000 and they gave me a copy of that letter sent by Aurora Loan Services to them as well. I just don't understand why they could not help me save this property where they are willing to sell it for less? I have put in my retirement money in this property.

I am so glad to hear from you Sir. I also had received a foreclosure notice again (attached) dated December 31, 2009. Please let me know what my rights are. I am tempted to retain an attorney but it will just be an expense that I rather not do at the moment. I have been looking for a job and hopefully I can find one within this year and I can certainly get all my bills current. However, it's just seem unfair for Aurora Loan Services to add some balloon fees without explaining to me in details why?

I am praying that this letter would find some room in your heart Mr. Justin to know that I am sincerely wanting to keep this house, I just don't want to be treated unfairly and be taken advantage of just because we struggled last year. I write in response to your recent communication with Aurora Loan Services inquiring about another loan workout arrangement on this property. Unfortunately, Aurora Loan Services has worked with you many times in the past and you have not been able to qualify for a modification or further loan workout for this rental property. With that said, the foreclosure sale will be proceeding as scheduled.

I am a single homeowner who found herself in an extremely difficult situation with her loan. I have been trying, in good faith and earnest, to work with my mortgage servicer, Aurora Loan Services, for the last 13 months on a solution to my hardship. I have attempted to obtain a loan modification directly with Aurora and I have attempted to obtain a loan modification through an attorney. After 9 months of failed attempts at trying to obtain a loan modification, I had no alternative but to pursue a short sale and damage my credit. I am currently in the process of trying to get Aurora to approve the short sale. Specialists from Aurora's Loss Mitigation Department have reported that the short sale offer is a good offer and is within investor guidelines. The issue now is the short sale approval date is estimated to be at least 2 weeks after the projected foreclosure date.

I have tried each and every avenue for the last 13 months, to the point of exhaustion, to not walk away from this house and foreclose. I have tried to do the right thing but I have gotten nothing but run-around and stall tactics from Aurora. I am now facing a foreclosure while a perfectly acceptable short sale offer is waiting in Aurora's queue for approval. I do not understand how a financial institution such as Aurora could be taking Obama stimulus money with the sole purpose of assisting their drowning clients (such as me) and do nothing with it. I do not understand what more a homeowner could do to try and work with Aurora on a solution that is mutually beneficial. I find this entire process unsatisfactory, unethical, and probably fraudulent.

I am trying in earnest to stop the foreclosure process and get the short sale approved so that I can finally move on from this disaster. I have no reason to believe that Aurora has any intention of achieving this same goal, and I believe they will continue their stall tactics until the clock runs out and my house is being sold out from under me on the courthouse steps, ruining my credit and financial stability. The only way to stop Aurora from these horrendous business practices is to have agencies such as you formally investigate. Aurora's unsatisfactory, unethical, and probably fraudulent activity must be stopped and I am seeking your assistance to do so. I believe there is more than enough evidence for your agency to launch a formal investigation into Aurora's business practices and the administration of federal stimulus funds.

I am trying in earnest to stop a foreclosure process before I am left without a home.

Attached you will find a timeline of actions I have taken in the process of trying to work on a solution cooperatively with Aurora. I kept copious logs on the process, including all of the documentation. Any and all assistance you can provide is appreciated.

In June 2009 my dream of homeownership came true. I placed an offer on a property and my offer was accepted by the sellers of the house. The home was listed at $299,000 and I offered $290,000. I entered into contract on July 2, 2009 on the purchase of my first home. I have been waiting since that date for approval from Aurora Loan Services, LLC to close.

The seller's attorney has $10,000 of my money sitting in an escrow account for this house since July 2009. November 18, 2009 Aurora finally gave the approval for the short sale, and then had to go to the second mortgage company for approval, which, I was under the impression, was also with Aurora Loan Services, LLC. I later found out that the loan was sold off and that the second mortgage was held by Homecomings Financial (GMAC). GMAC gave their approval on the short sale on January 15, 2010.

When we went back to Aurora we were than told they closed their file on December 21, 2009 and they never notified anyone. They would need to re-open the file, which involved a re-inspection of the property and all the paperwork would need to be completed by them again. I was told to extend my mortgage approval once again for another 30 days while Aurora gets their paperwork together. Once again I will have to pay a fee to extend my mortgage approval. To date I've paid out over $4,640 in mortgage extensions waiting for this house. This is in addition to the $425 I paid for the home inspection and $475 for the property survey.

I would just go ahead and look for another home but the home prices in the area went up enough where I can't afford to purchase a home now. This is my one shot to homeownership and it's being destroyed. I'm also going broke in the process.

Something needs to be done to protect people, both sellers and buys of short sales. Yes, in the contract I do have the right to walk at anytime. I just feel I've been mislead in the process that this was going to happen sooner than it did. I'm out the money on the mortgage extensions and now it's 7 months later and I still don't have a closing date and no answers. I'm out $4,640 in monies to extend my mortgage approval. I'm not in violation of my contract, so I can still get the home.

My husband and I, had a house built in May 2006 in Woodford, Va. and put the home we were living in up for sale in June. We lived in a split foyer we had built and had to sell after three years because I have M.S. and a blood disorder that led to the amputation of my left leg. I could no longer get around my home and had a single level built. We moved into the new one in December and still had not sold our other home. We paid two mortgages and up keep for a year. We went through our savings, 401K all we had. Our home we were trying to sell went in foreclosure. The only help they said my account qualified for was to refinance at a higher interest rate. This was countrywide. The home we had built in Woodford this loan was bought by Aurora. Shortly after we bought our home they increased our mortgage by $200.00, saying our escrow was short.

The money that we were to have made off the sale of our home was to go towards our new home but didn't happen, so we from the start had a mortgage we could not afford and Aurora increases by $200.00. We also had a second mortgage with them. We have been trying for about two years or so to get them to modify our loan. I been given every excuse possible. First we did not make enough then we made too much then was told " Why would we want to modify our loan when you can make the payments thenI always never had all the financials. When I called and asked her to look at the financials I sent, she placed me on hold, came back and told me, they made a mistake, they put the periods or commas in the wrong place and I would have to do it all again.

We finally had to file bankruptcy to save our home.At that time they sold our second mortgage. I have also hired a modification co. who got no where and have been working with an organization called H.O.M.E. Housing opportunities made equal for about a year and they have gotten nowhere also. Recently they told me they did not recieve a payment for Octobers mortgage and sent a letter to the courts asking to have Aurora from our bankruptcy so they could start the foreclosure and a date was set for April 2010. I called Aurora and told them we paid the payment in October and they finally found payment and said it had not been posted but an April 2010 date had been set for foreclosure. I have made many many calls to them. I've cried and begged and spoken to without care or concern a lot of times with what seem like a joy for them not to help, or that they were better than me. My husband is a vietnam vet and I have a lot of medical problems and we thought this would be our home we could retire. Please help!

We where current on our mortgage payments and Aurora Loan told us we might qualify for a loan modification. They enrolled us in the program and put us on a temporary modified payment. They told us this would show our loan as delinquent but it is necessary to qualify for the program and assured us that they would not report to the credit agencies as long as we remain current on the temporary payments as outlined.

We made every payment and had not been late before entering the program. So, participating in the program itself caused us to be late. In other words, they manipulated our financial status and future.

OK. Here's where it all gets crazy. They mailed us a letter extending our temporary payments into January 2010 because they have not been able to complete the underwriting yet. On Saturday, Dec. 19th, they left a message telling us to call them back but we could not because it was the weekend and their office was closed. On Monday, Dec. 21st. We called and they said we did not qualify for the modification and we immediately owe them the difference between the modified payments and our full payments (Over $4,000.00).

We knew that if we didn't qualify, we would owe that money but I wanted to talk with the underwriter first to understand why we didn't qualify. They would not explain in detail and would not put me in touch with the underwriter. They said to wait for a call from him or her. In the remainder of the day, we received threatening forclosure calls and collections calls. When we explained what was happening, they asked why we fell behind. We explained it was because they put us on modified payments and we where not behind before that.

All along the process they said they would work with us if we didn't qualify. My frustration is that they are strong arming us and won;t even explain why we didn't qualify and won;t tell me who the underwriter is.

We then called making home affordable government hot line. They said we look like perfect candidates and re-applied us into the program. Keep in mind this is right before Christmas. We continued to receive threatening foreclosure threats. We asked again to speak with the underwriter with no results.

We returned home from Church on Sunday, Dec. 27th to a mortgage collections notice on our door. All of this in less than one week of them denying our application for a loan modification and no explanation of why we are denied and no explination of different options to stay in our home. Just attackes.

My thoughts are: 1. they manipulated us to put us in a delinquent situation because they make more money servicing delinquent loans.

2. They realize our house is at or above market value and they want to forclose on us. Concerns: They will not show me the underwriting worksheet or explain in detail why they denied us. They will not work with us on any options. They are aggressively pushing foreclosure right before the Holidays when we can't return calls and all of the people we need to talk with are magically on vacation.

They are treating us like scum and they are the ones that forced us into foreclosure with their program.

We purchased our home in California in July 2007 for $765,000.00. Aurora Loan Services purchased the loan the very next month. So we did not pick them as our lender, they picked us. We have a Negative Amortization Option ARM loan currently at 7.25%, which will balloon in the next couple of years making the mortgage even more unaffordable. The current value of our home is approximately $495,000.00 or less, so we cannot even refinance. The current loan balance is approximately $631,000.00. Our principal and interest payment is over $4,400/month without taxes and insurance. We have never been able to afford and make the P&I payment. Being that it is a negative amortization loan, the loan balance continues to grow. We are so upside down on our loan that no one will touch it, especially since it is not a government backed loan and is owned by a private investor. Governor Schwarzenegger has since outlawed negative amortization loans in California, which goes into effect in January 2010.

For almost two years I have repeatedly applied, pleaded, prayed and begged with ALS to get my loan modified. However, they repeatedly refused all loan modification submissions and requests. They also repeatedly told me that I knew what kind of loan I was getting into from the beginning and I should just let my home go. Through viewing thousands of complaints online about Aurora Loan Services, this is their common practice. Yet, they were given $789 billion from the government to help us struggling homeowners. California is on top when it comes to home foreclosures. I hand it to the Suffolk County Judge who wiped out a couples full $525,000.00 mortgage because of Aurora Loan Services predatory tactics.

I did not know all the circumstances and details upon acquiring the loan, which is a non-stated jumbo Negative Amortization Option ARM loan. I hired a modification attorney in June 2009, which has cost me another $2,300.00. However, the attorney also cannot not get anything done regarding a modification. I have been trying to get a modification for almost two years and have watched my loan balance continue to grow.

I have fallen victim to ALS illegal lending practices. I have hired a loan modification attorney, yet it's been over six months and nothing has been done. It appears that the attorney has sided with ALS. The attorney and ALS repeatedly told me that they were NOT basing my monthly payments according to the principal, interest, and property taxes, as they did not have to. I have repeatedly tried to argue that point and even quoted the law to them. However, they said that they are using the negative amortization option ARM minimum payment to figure the 31% of our gross. However, according to the lawsuit, I was correct.

Furthermore, ALS started foreclosure proceedings while I had a modification request pending, which is also noted in the lawsuit. Then they told me I would have to pay all the back fees, attorney fees (nothing was done other than a foreclosure letter from the attorneys) and a balloon payment to reinstate the loan. Also, ALS failed to give a detailed explanation as to all of their denials for a modification. Then they charged me fees on top of that. I fall under almost every category in the lawsuit, yet nothing is being done. We qualify under HAMP, yet ALS refuses us to modify. The HAMP is for non-GSE's loans, for which I have. I also was given the excuse that since it is not a government backed loan, they did not have to modify my loan. However, they did tell me that the private investor who owns my loan is participating in the HASP and HAMP programs, but I did not qualify. ALS didn't even offer us any other type of modification. They just repeatedly told me to let the home go.

I am in desperate need of help in an effort to save my home. How could we join the class action lawsuit?

We are a contractor and was hired to do work on a house that Aurora Loan Services provides a 2nd mortgage on. The check from the insurance company had our name, the insureds name, and the bank name on it. We sent it to the bank at the end of October - the house has been completed since early October and still after 15-20 phone calls to the loan department they have not released the check or sent an inspector out to the house. It is absolutely ridiculous that they can hold money for work already completed and signed off of by the home owner for over 3 months.

I have been trying to pay off my mortage for over 6 months. I sent them over $27,000.00 and they returned the money. It does not make any sense. I am paying them off, after the money was returned Aurora sent the Sheriff office to my home to file foreclosure papers on me and my Home. I am sick to death of these people trying to take my home. I am working with Foreclosure Stoppers in Lake Charles Louisiana Don Snider has been working with them to get the house paid off and no success. The home is in my maiden name Debra Manley. I am without a job broke and can't afford an attorney to fight them. I just don't know what else to do. Maybe someone out there will help me.Someone please send me a email telling me what to do about these people "PLEASE".

I am a small business owner and starting in May, due to the ecomomy and flooding in our area, I was unable to continue paying myself. We have two homes, one in Barnesville and one in Kansas. The home in Kansas is mortgaged with Aurora loans. We are trying to sell it and have been for close to two years. Unfortunatly, starting in June we were unable to make both payments. I started requesting a loan modification at that time. I contacted them over, and over. Telling different representatives my story, faxing my financial information and asking questions of them to fully understand my options. Finally, in September they approved a 6 month reduced payment amount. It did not come through in enough time before we needed to liquidate our 401K to continue to make the full payment on time. Now, they are reporting to the credit agency that we are making particial payments and that we are 30 days, soon to be 60 late on our loan payment in the amount we have not been paying in the agreement. They never once said our loan would be reported late, in their paperwork it only referenced that it may show up with the credit agency as a payment modification. No one within the company has been able to give me the same answer as far as how the process truely works until recently.

I have been trying to get my loan modified for about a year now. I started to call them and send all the documentation even before missing any payments but foreseing the problem as my husband's income started to decrease. I tried two times and every time they denied the modification for one reason or another. When it finally happened, my loan went delinquent, I tried calling them to work something around like a temporal payment reduction but they were not able to offer me any options.

I contacted them again and they arranged a forbearance agreement for me to stop the foreclosure. I made four payments under this arrangement and sent all the documentation twice. The first time I sent the documents via Fedex with delivery confirmation and they told me that they never received the documents so I had to fax everything again.

I was told that my loan would be modified within 90 days but what happened instead is that they denied the modification and asked me to enroll into another plan which was their version with a higher payment for another 3 months but even before starting this program, they told me that my loan didn't qualified because I have no equity, of course, my home worth less than what I actually owe.

The end of the story is that I need to make 3 regular payments and send all the documentation again, wait 3 or 6 more months to see if they approve a modification for me. My conclusion is that they just play with the people to make you disburse some type of money and at the end the story is the same, you need to make the regular payment for them to look at a possible modification. Of course, in the meantime, you are accruing a higher past due balance on your loan.

In addition to all this, every time I called, I had to deal with a different rep and explain everything again and again. Last time I called, they didn't even have my financials in the system.

I write this letter in regards to the problem I am having with my mortgage servicing company, formally called Aurora Loan Services.

To give a little background history, my wife and I purchased this duplex along with my brother-in-law and his wife back in 2004. With two families living here and a 30-year fixed mortgage at 5.75%, our monthly amount of $2500.00 each was affordable. However, my brother-in-laws family kept growing and within just over a year he wished to be bought out so he could buy a larger house. We had nowhere else to go and seeing as if we liked the house and the area, we decided to stay and try to work things out.

Despite telling my brother-in-law we could not give him much money to pay him off, after three attempts to get an accurate appraisal, we were offered a mortgage via Aurora based upon an appraisal we considered very inflated. Regardless, we were just looking to get my brother-in-law out of the house, so we were put on an interest-only loan at 6.75% in late December of 2005 for an amount of $950,000, almost the height of the housing bubble. On top of that, my brother-in-law had left the house in a complete mess with poor construction attempts. Finally, to make matters worse, the house was also declared within a 5-year flood zone in January of 2006.

Hoping to somehow keep the house, I sent a package of information to Aurora in April of 2008. One month later I received a letter saying my check stub receipts were missing, which they were not and my modification was rejected. I tried again in August of 2008, this time with a HUD approved institute called Mabuhay Alliance. My counselor, Jeronathon A, put together a packet with all necessary documents and sent them to Aurora in September.

Upon researching their company, I have found numerous complaints about their ethics, mostly not working with homeowners to keep their homes. Back in October of 2008, I also asked them in a formal letter who the actual lenders were on my loan. After all, Aurora is a servicing company, not a bank. To this day, they have yet to answer who actually owns my loan. I plan on sending them another certified letter about this today.

With falling house prices and the economy still a mess, I am perplexed why this company has not modified my loan. I understand that my loan amount goes into the jumbo loan category and I may not be eligible for the new housing foreclosure prevention act, but it makes sense to keep a hard working family (and its renters) in a house with a modified loan than just putting on the market for way under what it is worth. Despite my family living here, the apartment is rented out by a single mother and her five year old child. To save money, we also moved our business into the garage section of the house that my brother-in-law so attempted to perform construction on. We have done everything in our power to stay here and would hate to lose our home because of an unethical, stubborn mortgage servicing company.

In my last letter to Aurora I pleaded with them to put me on a 40-year fixed mortgage for $850,000.00 at 5%. This may seem a lot to ask, but given that we have increased our work load up to 16 hours daily and given $200,000 in interest-only payments, it makes sense in a weak economy where abandoned houses just sit all around me. Putting me on such a plan in the long run still gives the investors in my house the opportunity to make money over a longer period of time, and also saves our family when this loan does reset in a few years. The only thing Aurora recommends is for me to make higher payments to make up for my 2 missed payments and late fees. They are not sympathetic to this situation whatsoever. To lose this house would mean two families and employees out of a job. That is a total of 10 people!

I ask for your help with my mortgage so that I can get my life back on the right path and feel secure knowing that I can keep my house and actually afford payments. After viewing all of the customer complaints on ripoffreport.com I am terrified that this company will eventually force us into foreclosure.

We thank you for your time and hope you can aid us with a solution.

We have never been late paying our Mortage, not even in the courtesy days. I paid 3 days late and they charged a $73 late payment. We called to tell them but they would not accept any excuses and would not waive the late fee. Extremel rude, spoke to 3 supervisors.

or they gonna return the wire transfer from Bank of America.

I am working with Harris Bank, N.A. to refinance my first and second mortgage with Aurora so I may receive a lower interest rate. Aurora Loan service will not release the first mortgage so Harris may pay it down because "it is their policy not to be second lien on a mortgage". They are second lien on the second mortgage which Harris is paying down as well. There is nothing restricting us in the mortgage it is "just their policy" and something "they just don't do." No one at Aurora would provide me with a reason or a written document that I agreed to this. Furthermore, they will not allow me to talk with their legal department. I was put on "death hold". Basically I cannot get out of a mortgage because so I can save some money because Aurora Loans just doesn't do that, it's their policy." Harris Bank has NEVER heard of this happenning and in all my years of business I haven't either. This is nothing short of a criminal act by trying to hold me hostage to two mortgages that I am trying to get out of.