Carrington Mortgage Services

My husband has been unemployed since 2010. We fell behind on our mortgage and needed $12,000.00 to reinstate mortgage. We felt it was a miracle that we came up with this money. We received the statement before reinstatement which said our $1488.00 payment was going up to $1788.00. I called and spoke to Alicia, who we were working with, and she reassured me it was only showing shortage because we were behind and that once we paid the $12,000.00, it would bring our payment current and there would be no shortage. I told her "I would not reinstate my mortgage, if my payment were to be $1,788.00." She understood and told me it will be $1488.00. My payment did not only go to $1788.00; it is now $3,124.00 they are asking for. I feel so scammed and could have used the $12,000.00 to start over.

I'm disgusted with Carrington Mortgage. They bought my mortgage from another company several years ago, and I have had nothing but issues. I have filed several complaints. I have gotten nothing but a runaround every time. I questioned that things are being done to my account without permission. I have questioned fees that have been added to my account, and all I get is "You need to write a letter."

The customer service reps talk down to me and have never been able to answer a question in a straightforward way. We had a variable loan 2 years ago and I had to apply 6 times and file a complaint, before it was finally approved and changed to a fixed mortgage but only for 5 years. I am so extremely frustrated with this company. My husband and I are contemplating doing a short sale, just to get out of dealing with them anymore.

If you are looking into buying a house, do your homework. First, find out if Carrington Mortgage is affiliated with the house at all. And, if they are, stay away! I have had two dealings with this company and cannot believe the horrible service and the scamming that they do. I have tried purchasing two homes. I am a single mom with three kids. I have a good income and have been approved for a loan. Much to my despair, Carrington Mortgage was the holder of the properties.

For the first house, they held me up for two months. Then, when they came back with an offer, I said yes. They proceeded to tell me "Oh, we have 5 other offers." and that if I would like to bid higher, then I would have a shot. Not right! Now, I put in an offer for a house at the listing price with the seller to pay part of the closing. They came back and said they would give $3900.00 towards closing. I said OK to that! Ok, so you would think that if I agreed to their counter offer, that I would be good. No! This is Carrington Mortgage. They came back and said they now want $140,000 for the house.

The house needs work and appliance, and the location is so-so. And they are trying to compare it to homes in the area that were recently sold. But those homes have new kitchens, siding, etc.

Do your self a favor. Carrington is the most deceitful company out there. Do not get involved. They only have one thing they are worried about--screwing the consumer. The answer that Vincent ** gave to my realtor was "We have comps and pics of inside; our value stands. If your buyer wants to dispute the value, they can submit an appraisal."

can't understand why they would not have listed at the appraised value then and not mislead people! This company and their practices should be investigated.

This company has a huge REO department and does not want to grant any short sales because they are making money off foreclosing and then flipping these foreclosed homes. They are rude and disrespectful. They behave like greedy parasites in a down economy. Their practice of not extending foreclosure sale dates even if you have a solid buyer for your home is something unique to their soul less operation.

Carrington Mortgage Services denied modification services starting in 2009. When my mortgage was three years without a missed payment, they said that I didn't qualify. My mortgage rate held my home hostage, an old farmhouse for 2800.00 a month. So I stopped payment and they used all my equity in one year and 60,000 for rent. I am waiting for some positive modification, foreclosure or hostage. I've had too many tries to fix this horror and I will have my day in court.

I have a Home Modification Loan (**) with Carrington MS and have always had an escrow account since 1995. In 11/2010, I received a Tax Bill for Personal Property Taxes amounting to $1121.00 for the house. I called MO Revenue (County) to see why the bill was sent to me instead of my mortgage company and was informed that my mortgage holder Carrington MS did not request a copy. So in turn I called Carrington to inquire why I got the bill and not them. The Taxation Dept. at Carrington had a recording stating that if you have received your Tax Bill, there is no reason to speak to anyone; that they would take care of it; and that if you wanted to send them a copy, you could. I then hung up and called back to get a live person and was informed that if I got that recording, there's no need to worry about it.

On 1/5/11, I called Carrington again after I learned they had not been paid from the county assessor website, and I spoke with several people (LOGAN, JEANIE, AND DANIEL) regarding the Taxes not being paid, being shuffled from one person to another. One stated that my Taxes should have been paid and that Carrington paid my insurance only. He said I should speak to a Supervisor. I told him that I requested to speak to one at 16:30, and Jeanie in customer service told me that a supervisor couldn't help me and refused to transfer me to one. So Daniel said he would transfer me to one. Well after holding, Jeanie picked up again. I told her, "I have no business with you. I was holding for a supervisor." She asked what it is that I didn't understand earlier and stated that they cancelled paying my taxes in 2/2010.

I never received that MEMO, and I told her my Loan Modification Agreement dated 4/8/2010 states clearly that through the escrow payment of $103.00 (instead of $59.00) and monthly payment of $430.72 (which is now 474.96), it includes the principal, interest, taxes, and insurance. My escrow has only 103.00 in it, and I haven't missed any payments. Where is the rest of my money that should be in my escrow account, for there to be a balance of 103.00?

On 1/6/2011, I finally spoke to a supervisor named Scott ** who stated that they are not paying my PP Taxes, and I told him that according to my Home Modification Agreement, they are to. He asked me to fax to him a copy of that agreement at **.

I can't understand how I have a contract and they are not honoring it. And they should have the same paperwork that I have. PLEASE HELP!! They have poor customer service.

On December 9th, 2010, I recently found out our original loan holder is Carrington Mortgage Investor. If you do any investigating, you will see they are all over keeping people in debt, more profitable to extent. They come and take their home along with EMC both in together. There never was a decision on helping out with modification, just passing paperwork for 2 years.

I did not know. I was misguided, if only. In September 2009, TV and radio exploded with hype on President Obama demanding the banks to give amnesty to mortgage borrower and have some mercy. Well, there was an urgency to have this done right away to qualify you. I did follow being proactive, for down the road I knew what was to come. However, never have I expected to be taken for a fool which I was. My mortgage company is EMC Mortgage Corporation, Dallas, TX.

My loan stands today for payback of two hundred and nine thousand, which I can't even get in this market. And it's a bungalow. My monthly payment was $1603.17 which was cutting very short. But I was used to two procedures of pay, Paul to pay Mary. I was doing it. Well then I heard of generous offer which was a modification package. I called right away and screened over the phone for new payment, $1021 monthly, and just sent all signed document and proof verifications.

I faxed and confirmed. I followed with hard copies and continued with follow-up calls to see status. I was consistently told that it was in with review board. I was still somewhat nervous after sending each payment. I received statements detailing amount due summary and what I owed. I was getting greater and greater in debt, but I never received a late fee or critical phone calls with problem that could arise. Numerous status phone calls were made by me. I finally received notice in April. I was not qualified because they never received paperwork. Well, with desperate phone call they said, "Sorry, we will reopen your case." I then re-faxed, as well as hardcopy, all new paperwork over again, continuing with status phone calls.

In June I was told, when making a status inquiry on phone, again that I was not qualified this time, stating the original loan company was not offering any plans from Obama. Crying hysterically, I tried to get the number of lender. They said they could not give it out. EMC again told me we have an in house plan I may qualify for, so again new paperwork was issued, signed, and faxed, plus hard copy.

There were status calls over and over. In July, they said again we are sending to new adjuster to review and they need new paperwork. I explained 1 month ago that I sent updated paperwork (valid for 90 days), so they checked. While on phone, everything was confirmed. They said all was well. Now at this point, I pleaded. Do you realize you are putting me in great debt with all this time involved and mix-ups? EMC representative actually sounded concerned. Somehow he came up with idea if you repay half of what you owe and make original payments, you are more likely to be approved. It was so brilliant I thought. So, I begged a friend to loan me $7700. And I made on time payment of $1603.17 only to see I was misguided again.

On September 3rd, I was not qualified, finding out only being abreast of everything with weekly phone calls. I noticed my payment (check by phone) was not taken on Nov. 1st. I called with confirmation number on Nov. 10th. EMC billing said that it seemed funds weren't there. Agitated, I called TD Bank which explained no check was presented. I recalled EMC said not sure why. Maybe the account information was incorrect. He verified in computer which was accurate. Then he said, "However, we can't take that amount again." It has to be paid in full at this time, because I am in foreclosure.

So, I asked to speak to a member of lost litigation. He said no problem and transferred me where the representative apologized and took payment right away. Briefly I explained again without getting wordy and now started modification process all over again with new paperwork faxed on Nov. 10th. I followed it up with hard copies ASAP (need original statement, only generated copy faxed, sometime not valid and certify everything).

On November 13th, I received a statement. There were 2 late payments added on which represent September and November, not that I was late either month but because I am late on 7older payments because of previous mishaps. I will never be able to catch up on payments. I just cannot get that kind of money up again. This makes me believe how many others did this happen to, especially when you're here in one zip code in Florida. There were 748 foreclosures this year or month, not time but accurate on amount of homes in one zip code. I must say this inspired me to write a well overdue letter to public as to not let this catastrophe happen to another. Somehow we must band together for fair justice.

My mom passed and left me money to do the right by my girls she adored and buy them a home. So, oh yes I feel I am failing my mom, myself, and my girls. She is dying all over again. Thank you in advance for any help, guidance, even acknowledgment that you read or understand my dismay or disheartenment. All letters of verification will all be sent if need be.

In the late spring or early summer of this year (2010), I was advised that I might be eligible for the Making Home Affordable Program. I have always dealt with the same guy from CMS, his name is Mario. He explained the program, how it works, and sent me the paperwork to apply. I got the paperwork filled it out and sent it in. In July or August, I was finally told by Mario that I met all the qualifications and that I would have a new payment of $1,269 and this included taxes and insurance. Prior to this, I did not have an escrow account and had to pay my taxes and insurance on my own. So I was super stoked that my payment was being lowered and now included tax and insurance.

Well, as we know there are the 3-trial payments that you have to make. So I was set, but I asked Mario how to handle my insurance... do I keep paying the premium during the trial period or would Carrington, he said Carrington and advised me to have Germania send them a letter with the balance and where to send payment which Germania promptly did.

Well, CMS never paid it and the policy cancelled and I received notice of the cancellation. I immediately contacted Mario and once again he said do not worry that CMS would place insurance on my home and all would be good. I explained that I was in the insurance business and was nervous that the CMS placed insurance would not be comparable to my Germania coverages, he assured me that it would so I took his word and we went through the 3-month trial and I made every payment on time or early.

Well, we are now in December and I was just told by Mario to make another trial payment while CMS finalizes everything. Of course, I am getting nervous after reading the horror stories online about mortgage servicers having people continue to make trial payments after the initial 3 only to end up several months later getting **. Mario tells me don't worry all is good. Well, yesterday (12/01) he says the modification would have gone through but they need a current declarations page for homeowners insurance, it took all I had to not go off on him. Please note since I made the 3rd trial payment for November, I have been recording all conversations with CMS to cover my **.

I explain to him that we talked about the insurance on two different occasions. The first about if I should pay and he said no CMS will pay and then the second conversation about the insurance cancelling and him saying don't worry CMS will place insurance on it. Keep in mind, I am recording our conversation and he says "yes I remember both of those conversations and I might have ** up. " Ummm you think? He says he is going to check into this and that and try to get all resolved and to not worry that my modification and insurance stuff will be cleared up and all is going to be OK. In the meantime he asks me to see what it would cost if I was to take out a new homeowners policy.

I'm like OK, so I called my agent to get a quote....Ohhh I can't get normal insurance because of the lapse and I have to go through a state risk pool (insurance for losers and scumbags basically)and its going to be $1754, $700 more than my Germania policy I had. Oh and I can't make payments since its through the TX Fair Plan, I have to either pay in full or pay in 2 or 4 payments.

So I have called Mario and he says once again he is going to get things taken care of and will call me back in 30-minutes. Here 4-hours later, I still am waiting all while my home as been uninsured since August. I believe I have a pretty good case with having recorded phone calls where Mario (CMS employee) tells me he screwed up and also reassuring me everything will be OK, when in reality if my house burns down today, I have no insurance! I would love for an attorney to contact me and help me resolve this issue with CMS.

February 19, 2009, I signed an agreement to complete a "Special Forbearance Program arranged by Cindy F of Carrington Mortgage Services, LLC Forbearance Department. Thereafter, I received a packet from Dennis F, who worked in the Loss Mitigation Department/Home Retention. Mr. F informed me after receiving the packet and phoning him that I qualified for the HAMP, since I had completed the Forbearance scheduled for the 90 days. But for whatever reason my packet(s) with all the required paperwork fell through the cracks time and time again, that on October 12, 2009 Carrington sold the property without giving me any form of Notification, which they claimed were sent. How I found out that the property had been sold, I called in to the Homeowners Association to make my payment, and was placed on hold; when the Manager comes on the phone informing me that the property was no longer mind and they couldn't take my payment.

I then contacted the various agencies: Congressman ***, Attorney General, Department of Corporation and also Real Estate, and the Federal Trades Commission, and a Homeowner Counselor who handled the negotiations for the Forbearance. I called the Homeowner Counselor while waiting to hear back from the other government officials about the notice to vacate the premises. And she's been searching the web for a person in authority and she found the Senior VP of Carrington Home Retention Department, a Mr. G. The homeowner counselor explained the whole situation; how Mr. L who had assigned a gentleman by the name of Scott to follow-up on everything and them assuring us that they would get to the bottom of everything and get it resolved; only to get a notice taped to the door from the Sheriff's Office and what if anything could he do about.

When she was finished, he informed her that he was somewhat familiar with what had transpired, and that he would look into things farther and get back to her. Eventually he got back with certain demands and certain things he asked for again. He asked for proof of income, including a copy of my husband's income (note that my husband and I are separated). She got these items and faxed them to him as requested. This was on the 5th of February 2010. Mr. G phones her back informing her how he had gone over the income; increasing the payments to social security so to arrive at the $4,000.00 he came up with as monthly income, and basing everything on this income the payments would be at a set amount of $1446.63 if I remember correctly.

I explained to her that I needed the HAMP to be able to afford my mortgage, and that she was aware that John didn't live with me. How would I come up with this kind of payment? She thought up some off the wall plan to come up with the money, but I didn't see the legitimacy of the plan she came up with. So I asked a niece of mine to move in, but still it's a great strain on my budget, where I can bearly afford food every month. Since this time I've asked Carrington to produce the note in an effort to know who the holder of my note is and to see if the one holding the note would agreed to offering me the HAMP. But for the last 2 years they have not done so, and when asked why was I decline the HAMP (they always give me this doubletalk); because they were given permission to decide the course to take with me, or that I just didn't or the Note Holder decided against it. Then I've asked for the contact number of the Note Holder and they refused to produce that as well.

Just recently they sent me a Notice stating that they are insuring my home, when in fact I've always held an insurance policy that I pay every month. Interestingly enough I saw where they were covering the arrearages in the amount that they are holding in what the named a "Bucket Account" of $175,000, when they show what I'm paying on is $232,000 (estimating), and this is the amount I have covered. So is the $175,000, the amount they are standing to gain when the 5 year plan is up. Carrington is known for being underhanded and crooked when it comes down to how they handle business. Always trying to set you up for failure. Back to the income. I'm on a fixed income of social security, and disability payments totaling $1785.00 a month, with the extra money I receive of $500 paid by my niece for a room I rent to her.

So what is it that I'm asking to be done? I want to be offered the HAMP. I fit the criteria of the program in all five categories. I'm disabled on a fixed income. I lost income. My husband abandoned me. I'm sick. I have a genuine hardship, in that I can't afford the expenses of the homeowner associations fees, taxes, insurance and the monthly payments I have been pressured to make each month, and have to pay all the other required obligations that included utilities, water, sewage, garbage, food, etc. There's nothing extra in case of an emergency; no surplus of any kind. This company was corrected by the Department of Corporation for trying to set me up again for another Foreclosure.

Because they took the money I paid them; starting with the Good Faith Money of $2,083.56 they received on the 8th of February, my April payment sent toward the end of March that they put into another account named unapplied funds, and took the May payment applied it to Aprils payment, when April payment was only $297.00 and that I paid, and that got placed into the unapplied funds, showing I was 2 months behind in my payments; charging me for fees when I was told all the fees and lates had been forgiven, etc.

Then I received a Judgment in the same month. I signed the fourth agreement on the 9th of March, 2010, and on the 29th Carrington sues me for $2,830 in an effort to evict me. The title was never transferred to me and the modification according to Debra R hadn't gone into effect until May 2010. I have every email I've received from Debra R confirming that they made the mistake. But believe me when I say this, Carrington know what they are doing when they are doing it. They are an extremely unscrupulous company. NACA won't placed an article with the Consumer Affairs expressing how they feel about this company defining the character of this company. Along with this article are other complaint and notes of expressions in regards to what the other customers/ homeowners think about Carrington and how they've been treated by this company who's CEO says that they treat their customers fair, and they know that this is a lie.

I've paid a law firm upfront money to act in my believe whom I contacted in regards to the judgment sent and filed by Carrington, and to review the 4 agreements I signed. Only to find out they aren't any better. They took one payment of 4 scheduled payment, to discover what I had been telling them all along, that Carrington (who they described as being one of the many companies they have a good repair with) that there was no options for a modification, and that I had received a Notice of Intent To Foreclose, that Beverly Hills Law Associates should have been aware of had they been communicating with Carrington as they claimed to have done. So presently I'm fighting to get my money back from them.

I just want to be treated fairly and without any form of discrimination. The Senior VP G committed fraud in that he acknowledged and admittedly stated that he used some code to increase the income/earning. Tampering with anyone's paperwork is illegal and what this man did was illegal. I haven't heard from any of the other authorities/government officials whom I've complained about this company Carrington Mortgage Services, LLC.

I received what appears to be a judgment filed by a Mr. John **, Attorney at Law, **, ** for payments, I understood would be forgiven per a very recent modification. I didn't know there was any such judgment, until I received it on April 1, 2010 for the amount of $2,830.00. He filed for Wells Fargo N.A., as Trustee for Carrington Mortgage Loan Trust.

It shows, there's an entry of default, when I've never been notified that I was being sued, and now, it appears that there's been a judgment enter in by the plaintiffs. I signed the agreement for a modification four times. The forth time, with there being a Notary, Linda ** who came to my home a second time. I have all documentation to show that I complied with all the requirements, as stated in any and all agreements. Stress, anxiety, and a great deal of sleepless nights.

I have lived in my house since 1996. I have never been late on my mortgage payment which I pay on the 15th of every month. I have had three different mortgage companies since that time. The Carrington Mortgage company purchased my note after my last refinance in 2004. The mortgage is an equity loan and does not exceed 80% because it is in texas.

During the first week of October I was contacted by Carrington Mortgage and asked if I wanted to lower my interest rate and monthly payment. I said tell me what is the hook. They said nothing at all was a hook and I asked if this had anything to do with the mortgage crisis? They said they just wanted to develop their own plans and were being proactive to help out borrowers. They said they would fax me a one page document and send someone out to the house. I said sure thats great. They told me to NOT make my october payment and this would be handled quickly. I did not hear back from them for over a week and received no fax or phone call.

I contacted the customer service dept. and they said they see that my loan is flagged for their program. They gave me a phone number to contact to see when they would be out. I contacted that number and they said I should call back next week since it was on a Friday. I still have not heard from any person at Carrington. Today, I got my mortgage statement in the mail. It shows that I am due for two months payments instead on one. The problem is that because I thought I didnt have to make my october payment I paid off some other debts with that money thinking I would get back on track in November.

I will be able to pay the two months payments in November soon, but I believe they have lied to me and now I will be turned into the credit bureau as "late" which impacts my credit rating. I think they have used false and misleading trade practices when they are in a position of trust. I think that because I am self employeed I would have trouble gaining a mortgage through other channels or I would simply look to refinance, which I may do anyway. I dont know why they dont have to carry more responsibility with these types of behavior. Please advise.