Homecomings Financial

We refinanced our home from Wells Fargo to get a fixed rate (as we had adjustable). The actual process started in Nov 2007. Then finally in April 2008, our loan was finally completed with HF with fixed rate 7.875. Anyway in 2010, I needed to request modification due to health and job lost. I was insulted by Customer Service (called loser, dead beat, etc). I was denied modification because HF has written the loan as Texas Equity Loan (we have never taken an equity loan out on our hone ever). Anyway, they did our loan as a MERS and everything that could go wrong from the beginning has gone wrong. They are still denying modification and I was told by their customer rep to just file bankruptcy because dead beats do this.

They have no clue what medical issues I have and will continue to have over the years. I wanted to modify my loan and pay off my debt. At the time I went from a 6 figure income to a whopping $1500 a month so it's hard to pay a $1400 mortgage and I begged everyday for 8 months for them to help. My loan is a FHA loan and they keep telling me that it is not FHA. It's amazing to me that FHA headquarters must be lying to all of us people. Couldn't be that HF / GMAC (which was never disclosed to buyers) that they are all one and the same. But yet, every realtor in every state has to tell everything in contracts to be honest with everyone. But somehow these mortgage companies don't have to tell you who you are dealing with until after the fact.

I never asked them to reduce my loan, only to work out payment plan for me to pay, but they refused any payments because I was 4 months late. I believe in paying the debt that I owe and always have. I am so shocked at their attitude, that they would foreclose on property owners instead of working with them, especially since the market is down so low. You have homeowner who is willing to honor their agreement and not ask you to reduce any loan, but they want no part of it, and they get some pleasure from being in control and kicking people.

I have been scammed by all the so-called professionals that were involved with my home when I bought it in 2007. Right from the start, the real-estate did not disclose a Radon problem in the home until the closing day. When I contacted Money Smart about the problem and wanted to cancel the loan, he threatened me that it was not his problem and that I would not get any of my money back nor would I get funding for another home.

Right there I was being denied rescission of the note. So after I signed, which was on a Sunday, Aug 5, 2007, the paper work states it was on August 2nd, 2007. That's another violation of my rights. Then, after I asked for copies of the closing that has all the disclosures, I was told I would get them in the mail. That's another violation. Then at signing, there was no notary, witnesses, or lawyers at the closing, or was any representative of the lender, who by the way was Homecomings Financial who by the way was taken over by Nationstar, but was a subsidy of GMAC.

Homecomings was transferred to GMAC on August 1, 2007 on my loan. How can a loan be transferred a day before the actual closing date? I was not even responsible for the note and transferred to GMAC before the agreement was signed by me. Now for the last three years, I have been making complaints to all the authorities with no help from them. I had complained to district attorneys, Better Business, HUD, lawyers, anyone who I find that is supposed to help consumers from scams like this. Now in 2008, I was complaining about the mortgage insurance that they added to the loan at $125/ month, that it was too much for me to handle. But they just said to lump it, I have to pay it.

Several times I requested some help from the government programs to help, but I kept getting turned down. Then when they finally came up with a remodification on the mortgage after the government approved a loan, Nationstar got in touch with me. And said they could give me a better plan, in which I did and did a remodification with Nationstar. But after the agreement was signed and sent back, they changed the agreement by not telling me about escrow not being caught up when they added the amount to the back of the loan.

My home was depleted of its equity and now is in default again because the payments are more than before, of $680 a month instead of $551 it was agreed to. The escrow of $900 added to the demands they are making now claiming over $10,000 behind. It's because I stopped my payments after making two payments and was still getting foreclosure notices and court filings. I was not about to give them more money when they were intent on foreclosure anyway. They had no intentions of helping me stay in my home because they got bailed out by the government and then by the mortgage insurance, and now from my escrow and home. But they didn't count on me being stubborn and smart enough to do an audit of my mortgage closing and have answered to the court that I intend to defend.

Then their lawyers backed out of the case and sent a letter that a manager is taking over the case. But they think that because they put MERS in as nominee, I have no case. But I did not sign a note with MERS as they are only a registration company, and as such is only a straw man. Nationstar says they are only the servicer, and GMAC was only the servicer before Nationstar. And when I tried to send the rescission to Homecomings, the registered mail came back as undeliverable. These are only the few serious violations that I write here, as there are many more that I am finding while still working on the audit.

I was going through a hard time in 2006. I was separating from my husband. My home Shiloh creek drive, Jacksonville, FL was going into foreclosure. The day I had to go in front of the foreclosure judge to assign a sale by date, I was closing on the sale of my home. I expressed this to the judge and he placed a judgment amount of $116,899.70 with sale date within 30 days. I left the courthouse and sold my house for $160,000. Now perfect math would mean $116,899.70 from the amount of $120,375.48, which was withheld at the closing table, means I should have received a refund of $3475.78. However, I received a refund of $485.98.

I called, inquired, and spoke to a representative for Homecomings Financial. They stated: "Well, when we sent your file over to the lawyers office, we sent other files as well. Usually if we have excess money from one file, we will tell the lawyer's office to apply it to the remaining fees for the other foreclosure files." At that point I wrote letters and sent them to the mortgage company as well as the lawyer's office. I finally received a response on 9/21/2006 stating that a post judgment advance of $95.00 was incurred for the BPO to calculate the bid following the judgment (the judge removed the original $95.00 BPO fee from the judgment since the home was being sold the same day). And that $2894.80 was forwarded to the mortgage company because of the escrowed taxes.

The taxes were accounted for in the judgment total. So, why an extra $2894.80? I have just recently as of 04/2010 received an itemized breakdown of my mortgage and there isn't a final payment of $119,889.50. There wasn't a 2006 tax payment of $2894.80. I have verified that information from the county tax agency (that bill was paid by the new owners mortgage company). So, where is my money? No one knows. If this misappropriation of funds was done to me, then how many others, thousands was this done to? How do we stop this in the midst of the foreclosure epidemic? I had to move in with my mother and father. I was unable to obtain legal counsel due to my already rocky financial situation. If there is someone ballsy enough to take this issue on, I know I can't be the only one. I had to move in with my parents, due to my financial situation. I was unable to pay off some other debts. I needed to move forward in my life.

For the benefit of all of you folks who have done wrong by Homecomings Financial (HF). This firm is the same as GMAC Mortgage, who is more commonly known as Ditech. HF got it current go power from President Obama's mortgage relief programs.

All of the promises that they make are solely to justify the $7 billion dollars of bailout money that GMAC got from the government. In actuality, they are big on lip-service, and care little about helping anybody.

Do you see where this is going? The first time that you do not supply what is requested; you're done!!

But I played their little game for six months, and was finally told that I didn't qualify for loan modification. I wore them down; but they held all of the cards!

Soon after all of this, I received a solicitation for loan modification from Homecomings Financial. Everything in the envelope was GMAC Mortgage paperwork. The exact same request for info that I had completed six months earlier.

I did not even bother to put pen to paper!

I'm not gonna play anymore. I will probably lose my condo; but I will still have my sanity and self respect.

Good luck everybody!

I had a terrible experience with Homecomings Financial. I'd just purchased my townhouse and about a year into paying my mortgage by money orders, Homecomings were sending my money orders back to me. But I didn't get the returned money orders until 2 months later. I know that i had my address on them and account number. So I resent them to Homecomings. Again they would send them back.

I called Homecomings financial and was told that they didnt know where to apply my payments because I didn't have my account number on the money orders. Now Im looking plain as day with my account number written on the money orders, then after my many phone calls they just said well we didnt receive them at all. Now I was livid. See i sent all my mortgage payments via FedEx overnight. So I had all my paperwork to prove that I paid my mortgage and how it was sent and who even signed for it.

Well long story short, Homecomings was having my townhouse appraised so it could be sold. So I called, emailed, and faxed the Better Business Bureau about my concerns with Homecomings and why did will not apply my payments to the loan.

Well lets just say about 2 weeks I got a telephone call from a director in the accounting office apologizing for the "mistake" on their part and saying the payments has been applied to my account and everything is taken care of and if i have another problem i should not call the BBB but contact them directly.

Like many other people who have posted I also have contacted Homecomings directly several times and "Help for Homeowners" aka "HOPE" and was never called back. I have been on disability since Sept. 2008. I don't want to lose my home, it is so important to me. The only thing I have left. No one will work with me and my intrest rate of 10.82% is riduculous. What's wrong with these people? The government needs to intervene and help us with this!

It was a big mistake to think they were "working on it". I sent my paperwork certified mail but they told me they "farm" out this loan info and couldn't tell me a thing about what happened to it or if anyone actualy looked at it.

I also have Homecomings financial and i've been trying to get a loan modification or even send many letters to apply for the Home Affordable Program, i have sent fax many times with information requested and they just stated that never received anything by fax. What i know is that they always have delays with transcription when u send fax, it could take weeks. And then at the end they just decided to send you by mail letters saying that they could not approve any loan modification because they have never received documents requested....i just dont understand. Now after July 1 their name had change to GMAC mortgages.

Due to loss of income, we have been working with Homecomings Financial to modify our loan. In March they agreed to consider a modification if we paid $3100 for 3 months. This was $300 lower than our original house payment, still higher than what we could afford. The only way we could make the payment was to borrow money and stop paying other bills. In May we received a FedEx stating we qualified for a new payment of $3008. We provided documentation that we could only afford $2700. We refused to sign the loan documents and returned with explanation. We called to find out what was going on and were told they needed more information. Instead of giving them only what was needed, they wanted to start all over. We did as asked and more to document our plight.

Well today we get a FedEx and we've been approved for an even higher house payment than the original modification. It is obvious no one is looking over the paperwork. Our biggest complaint is the lack of communication. We're not being able to speak with anyone with authority. At times it is difficult to understand the person to whom you are speaking with. Employees of Homecomings are giving out bad information and re-faxing documents over and over again.

Homecomings does not do anything to help someone who is trying to get a loan modification. I called them twice and was told that I had to be 2 months behind on my payments before they could do anything. I have contacted a modification company and have paid them to get some done. This was started in March, and here it is, June, and I still have heard nothing. After this month, I will have gone through my savings and retirement as I was laid off in January. I do not know if I can make payments.

I contacted another company to get me a loan modification from Homecomings GMAC. This went on for over 8 months. Well, guess what the outcome was? In negotiations, they sent my home to sale and sold it out from under me. I will now be homeless on July 15, 2009. I owed them 160k; they sold it for 76828.00! Oh, by the way, GM has the controlling interest in them 51%. The consequence is $2495.00 to People's First Financial who did nothing and $2500.00 to my attn. I'm physically ill and mentally messed up.

This place is a scam. In November 2008, (after admittedly missing numerous payments which were $1,608 monthly) we contacted a local HUD agency that worked with Homecomings to start a loan modification program. We paid this HUD agency $1,500, then payments in November, December and January for $1,350.

Homecomings then said we needed to do this again on their terms (without the intervention of HUD) and paid another $1,350 for February, March and April, and when complete, our payments would be $1,368 monthly with a 3.5% fixed rate.But we never got any paperwork during that time. We also got a notice that they were reinstating our foreclosure. After making the April payment, we contacted them to find out what was going on, and they said that the deal was off because we didn't submit the requested proof of insurance. Apparently, back in February, they sent us a first class letter requesting it, but I swear we never got it.

As soon as they told us about this in April, we did forward the proof to them. But it was apparently too late as they said we had to start over. It was really frustrating, as we never spoke to the same person twice, and it never seems as if they have ever read our file. I am positive (but can't prove it) that not everything is documented at Homecomings.

I don't know what we did wrong to them, it was not responding to the letter we never got. My fear is that if we sign the agreement to pay the $2,200 a month, they will think we can afford it every month and the result would be that our "modification" increased our monthly payments by $600. I don't even know what to do next.

Bumping my monthly "trial" payments from $1,350 to $2,200 leads me to believe something isn't kosher, but how do I actually go about putting my foot down. So far, I have no consequences. However, a payment at $2,200 per month will be a short-term hardship for these three months, and it will be downright catastrophic if that is the long term monthly payment. That amount is more than my monthly take-home, and I have child support and my kid's insurance on top of it.

Homecomings started charging me for fire insurance in 2007. I've had (and still do) fire insurance with State Farm since 1997. I didn't realize what was going on until Dec 08. I have been trying to get my money back from them since Jan 09. They owe me a total of 2404.39. They finally sent me a check for $1062.39 in March 09. They still owe me $1342.00. I have talked to them so many tiimes on this. I'll get customer service and they say it's the insurance departments problem. So then they transfer me to them. Guess what? The Insurance Department says they have done all they can do and it's up to customer servce to handle it. Everyone keeps throwing it off on the other. Talk about frustration!!! What also gets me is you cannot get one particular person to help when you call because it's always soneone different (No direct line to call). This is plain out wrong. I'm refinancing my house with a different mortgage company. Im running just as far as I can from Homecomings. I will continue to fight for my money.

I would like to keep our home. I had been unemployed for over two years with a large family of a one single parent household. I have exausted all of my savings and now pay the mortgage with credit cards. I am currently employed at less than half of my previous income. I started contacting Homecoming Financial in October 08 requesting a loan modification/asssistance due to my situation. I have applied now three times and denied twice. I have never received any written response with there determination nor have I been able to speak to a supervisor/anyone of authority. I call regularly requesting status and all I get is it's processing.

I tried to make several attempts to gain a loan modification and have not received a reasonable response. I'm looking to modify my mortgage without unnecessary hassles.

I am one of the people who are blessed to still be able to afford my payments. But I have recently contacted Homecomings to get info about lowering my interest rate. I have gotten the run around and I am tired of it. I just started looking into the loan modification to lower my interest rate or reduce my principal balance. They told me to skip one month's payment and send in the modification paperwork to see if I qualify. This is INSANE. I do not want a bad record, I just need help! They still have not gotten a Obama solution and I think they are refusing to do something. Man, I filled out the paperwork and sent it in but they sent more paperwork back and said they need more information. I gave them what they asked??? Now after reading this site and ****** off customers, I am rethinking the need to go through Homecomings...

The worst thing is, is that I am wanting a new home and new neighborhood. What I pay for my home, I am not happy with my home and the mess I live around. I have vacant homes all around me, and they can not lower anything for me...I need serious help.

They keep charging me more and more on my house payment. i sent a loan modification and they wont answer me!

I don't know why I thought I was the only one having trouble with Homecomings. Over the last five years they have repeatedly charged me for forced homeowners insurance even though I have never let mine lapse. My insurance company has tried on several occasions to speak to someone to have this fixed, but with no luck.

I have also been working with Loan Modification. I keep getting messages that they have mailed papers that I need to sign and return, but after 2 months, no papers have been sent to me. Meanwhile, I keep fighting to hang onto my house at it's current rate. Who do I talk to?

I've been fighting with Homecomings Mortgage regarding forced Homeowners Insurance since March 2008; I have never had a lapse in my insurance, renew it annually myself, pay for it myself, it has never been part of my impounds. Homecomings has been applying my on time mortgage payments to this forced insurance charges and reporting my mortgage late every month since last July. I'm getting foreclosure notifications from them and phone calls each month.

They have been reporting my mortgage late; leaving it difficult for me to refinance with anyone else, getting away from my interest only loan. Also charging me late fees each month over $400 at this time.

Physically, they are affecting my health and the welfare of my family. I am currently disabled with a chronic illness at 44 years old; which after working for 20+ years, hasn't been easy for me. We have 4 children, 3 still at home and one of them was with me while being approached by a realtor who wanted me to list my 'distressed' property with him! This is tearing my family apart and I need assistance. I've called attorneys but they charge too much.

My payments have slowly been creeping up and I can't figure out why, they screwed me on homeowners insurance about a year ago (took me about 8 mnths to get that straight), and I have had nothing but negativity from their Customer Service reps. This company needs to be investigated or something, especially now!!! Stop paying attention to Fannie Mae and Freddie Mac and go after rip-off artists like Homecomings allready!!!!!!!

Don't even need to go into it do I??

Homecomings Financial sent me notice that my taxes had not been paid yet for 2007. This happened the beginning of 2008. My practice is to pay my taxes at the end of each year; but the 2007 amount was being paid the beginning of 2008 because of being self-employed, I was waiting for monies owed which made the time-line go into 2008. I was putting the money together to pay the amount, when they (Homecomings) went to my facility and paid 3 years of taxes.....I had no notice from my loacl court house or any foreclosure proceedings regarding any kind of tax sale and verified the 3 year payment with the court house. Homecomings notified me that I had to pay the $7,000 plus amount in monthly payments in the upcoming year which raised my mortgage payment about $900 a month.

I called them to find out why since my contract never had a condition for escrow and did talk to a representative to refi the loan. It did take them months to notify me what they were going to do and they never raised my payment for about 6 months. They did raise it starting December 2008 and I have made 4 payments towards the amount. I do see that they record the payment on my billing. My objection is what they did in paying 3 years of taxes and then notifying me and not calling me back concerning any refiance possibilities when they said they would.

This has caused me a financial hardship to other payments I am responsible for and have looked for other financing possibilities. That has not proven yet possible due to the economic situation and the ripoff that is happening to the US taxpayers and lending institutions are not helping homeowners to protect us from fraudulent lenders such as Homecomings. When you are a no-doc self-employed person in this country, you can only plan on being used and abused.

This has caused me considerable hardship in paying and keeping current on my other monthly responsibilities. Being self-employed does incur some hardship on its own merit because money is never a regular amount any certain week. I was told by another lending institution (who could not help me with all the economic situation as it is) that he did think what they (Homecomings) did anyway was illegal considering that my contract never had an excrow clause to begin with.

My father passed away on December 11, 2008. He has a mortgage for the home that my sister lives in and it's with Homecomings Financial. I called a week after he died to notify them and ask what I needed to do. I spoke with Tarl and he told me to send an original death certificate to their Assumptions Dept. I sent the certificate along with a cover letter to the address given to me by Tarl and called a week later. I was told there was nothing in his file to show that he had died.

On January 23, my sister called and spoke with Alberto. He told her to fax the Last Will and Testament showing that I am the Executor and Trustee of his estate, copy of the declaration of trust showing that the property will be held, administered and distributed to my sister and her two daughters, and a 2nd copy of my father's death certificate. After calling a week later to be sure they had received the fax, I was told that it takes 2 weeks to process any information and they couldn't even tell me if they had the information in their hands. Today, March 2, 2009, I called and spoke to PJ. AGAIN...I was told there is nothing in his file showing that he has died, nothing to show that I am the executor, and nothing to show that my sister is inheriting the property. I also wanted to stop the automatic payment because I need to close the account. I was told I cannot do this since I don't have the authority. I actually called back and did it anyway.

This has been a very frustrating experience for me with Homecomings Financial. I guess I am going to have to resend everything again and have it go certified mail, but as I explained to PJ, how is this going to assure me that they are going to receive and process the information. I've sent the death certificate by mail and by fax and yet they claim they don't have any information. HELP!

We had set up an agreement with Homecomings Financial in December 2008 for payments of $2000.00 every month until June 2009. January 6, 2009 we sent our $2000.00 check in, which they cashed 2 days later. Come February 17, 2009 we sent our money in and come to find out that they did not cash our check, but sent it back. We found this out after calling Homecomings Financial to see why it was taking so long to cash the check. They had stated that the funds did not represent the full amount to reinstate the account, so they had sent the check back.

While I was speaking with a gentleman we had set up an agreement with him to over night $2000.00 in a certified bank check for the month of February. He then also told us to send $903.40 for March 26, 2009 & April 26, 2009 certified. Now, if I meet with these terms after the last payment, Homecomings Financial will set us up with a fixed rate for five years. This will help to rebuild my credit score so that I can go and refinance with another bank.

I have also talked to another person at Homecomings Financial, and they stated to us that they have no record of the agreement made or the $2000.00 check that was sent. We asked what it would take to bring the account current and she said they could not provide any information.

This company concerns us, because we feel that we have received the run around, and no one seems to have any idea of what is going on. What is happening to the money that we have sent them???? And why, is there no one that can give us any information on the account...this is our account, we have the right to know what we owe.

We believe that people are telling us things just to get money sent, but we have requested numerous times for copies of the agreement and nothing has been mailed out. It is getting very difficult to believe anything from Homecomings Financial agents.

We had not received any letters telling us that our home was in foreclosure. We did not find out until we had called to find out why they did not cash the February 17th check. We feel that things have been handled very poorly on Homecomings Financial's end but we are doing everything we can to save our home.

Homecoming continously over charging me. Keep asking me for loan modification info. They never send info by mail no data. They call you and tell you how much you need to send and say they will get back to you. They are not professional and it is extremely scary. They leave you completely confused.

I am extremely nervous. Constantly losing sleep about this situation. Dont know who you can trust at homecoming fiancial

I came to this site and I cannot believe I am not the only one all this has happened too. They (HF) have taking my credit for a ride - charges me late fees when the money was allready taken out of my bank account, added their own home owners/fire insurance for me adding up to 3 times the amount os my regular insurance coverage. I call and get rude people and their constant calling automated system is killing me. We I do call them back I am put on hold or no one can help me. I wish 20/20 would look into this.

I have received a loan modification on my mortgage. The cannot update their records.i have received 10 phone calls in the month of january harassing me about not sending in payment. I have called numerous times and have been on the phone for over 4 hours in 4 days. Was told by the loan modification department to ignore the calls it will be corrected, another time i was told to go ahead and talk to a lawyer if it wasn't corrected in 3 days (which it wasn't) then i called again and was told by a manger that it would be corrected in 48 hours. (would be corrected by 2-2-09. as of 2-5-09 it is not corrected and keep getting bounced from department to dept. was told by loan servicing dept that they didn't know how to fix their records from a loan modification. then they are not sure if its affecting my credit. was told to contact customer service and they would be able to correct it, they didn't and just bounced me around.

makes me feel like i need to go on stress medication.

They did not credit our account for two payments over a year and half ago. In March 07 they just stopped taking our payments and said they would be incontact with us. We kept sending payment and they kept sending them back. In July 07 they sent a forclosure notice to us and we paid them 13,200.00 to stop the forclosure. They did not credit our account at all and now we owe them 375,000 when it was 321,000 and they have sent another forclosure notice to us.

13,200.00 plus what we have paid to Attorney and companiest to help us fix this.

extra a month!they kept my money,and the following happened.

So, I agree to the terms i paid to keep my family under a roof! now I contacted them and they said my loan modification was deny on July 22, 2008. same day I paid the $10,000.00, hours after. When they told my counselor and me I was on review for 2 months til S ep. 23.They liars, they cheated on me, now they said my house is due on foreclosure for October 31, 2008.

I just Read the article dated 6/17/08 : And had to laugh.. Faith S, executive director of HOPE NOW. The industry is committed to helping distressed borrowers stay in their homes whenever possible and these guidelines will help in that effort. The guidelines are designed to ensure that lenders are all on the same page, offering the same types of help and cutting homeowners the same amount of slack. The objective is to prevent a problem loan from sliding into foreclosure.

What a Joke!! Homecoming didnt even wait til I was 90 days delinquent before sending me off to the attorney! HOMECOMINGS IS NOT FOLLOWING ANY GUIDELINES OR TRYING TO ASSIST HOMEOWNERS!! I have been requesting assistance from Homecomings with No Constructive assistance. I could see if I was unemployed, which is not my situation. I have had a curtailment of income due to fluctuation of bonus and no more child support. This is a temporary situation.

I work for a LARGE lender I know what is being done and what can be done! Why do they choose to be so hard to deal with? They are forcing me to file bankruptcy which is something I'd prefer not to do. I have my life saving wrapped up into a crappy condo conversion which was over inflated when I purchased it 5 yrs ago. I've made many efforts to have Homecomings try to work with me way before I fell delinquent with no regard to a temporary situation.

They have the nerve to send me what they call a modification lowering my payment $100 a mo? I've seen my lender lower Int rates to 1% for a temporary period to assist a temporary economic situation. I listed the property over two mo ago feeling their reluctance to assist me. I listed for 50% less my payoff hoping to entertain offers and have had no offers!! They are now pressuring me to do a Deed in Lieu of foreclosure what is the benefit in it for them? Maybe avoid a 5 yr bankruptcy situation? Or a gov. bailout? Well they will lose I assure you as I will fight for what I have worked for as a single parent and homeowner.

Homecoming Financial has been charging me bogus property inspection fees varying from $25.00, $9.00 or $11.25. Additionally on 8/14/07 they charged me $250.00, and on 8/20/07 they charges me $650.00 and $150.00 for a fee assessed (which I don't know what this is for, they never provided any type of service to me, and these are not late fees).

My husband and I filed Chapter 13 bankruptcy five years ago. We are waiting for a discharge. I recently asked for a list of payments and transactions on my account for the past five years, when I discovered these fees. Additionally I had to go to Court to have my Chapter 13 Plan modified, after Homecomings claimed I wasn't paying into the Plan, which was an additional expense to me for attorney fees. The Trustee wasn't making the right payment to the mortgage company, and additionally Homecomings caused me to be more behind with these bogus fees. The statement they sent me doesn't show the payments from the Trustee or how the money was applied to our account. They are the subject of a Class Action Lawsuit for the same business practices I have mentioned. I have lost sleepless nights for the anxiety they caused to me last year for going to Court.

I called my mortgage company (Homecomings Financial) to inquire about a loan modification for my high interest (adjustable) rate mortgage On Monday, August 11,2008 because I recently lost my job and am unable to make the current payment. I spoke to one of the loan modifcation specialist Aurthor who told me that without me having a job, he could not remodify with only my spouses income and that we would not qualify for a loan modification. Aurthor told me to get a job and to make my payment and then call them back that there was nothing that my mortgage company could do for me.

I am worried sick about our situation. I know that the end result is that we will ultimately loose our home that we have worked so very hard for. I am desperately trying to find a job, but I need some kind of help until we can get something done.

Over the past six months, my account has been systematically forced into delinquency by the predatory servicing practices of Homecomings Financial. These events are well documented and plainly indicate a deliberate effort by Homecomings to expedite the foreclosure of my home. CASE IN POINT: My online account is routinely unavailable- usually on or around my payment date- which prevents me from using their electronic system. Billing information is inaccurate or out of date and any attempt I make to bring my account current is counteracted by such tactics as delaying or reversing payments, applying them retroactively to cover those they've delayed or reversed and refusing payments that would cure the default.

Also well documented are my repeated attempts to get assistance through their fictitious Loss Mitigation process- a calculated series of roadblocks erected to create a paper trail for the company while keeping me from recourse by making it appear as if I'm unresponsive to their contrived outreach efforts. CASE IN POINT: They continually send letters requesting that I call to discuss my options, schedule meetings or fax information but when I do, I'm referred to someone who's on vacation, my call is dropped during transfer, appointments are no longer available or my fax is never received. Their methods are transparent and though I find it unbelievable that a company would victimize it's customers so ruthlessly, the facts speak for themselves.

There are hundreds of complaints on the internet and in the courts from similarly situated individuals who's experiences establish a pattern of abuse by Homecomings that insures the company's profits at the expense of the borrower. I have filed complaints with the FTC, the Attorney General, the BBB and various other regulatory agencies and I urge anyone who has, or suspects they have been victimized by this company to follow suit. I don't know if we can save our homes but perhaps we can prevent further harm by demanding that Homecomings take responsibility for their devastating actions and address the situation appropriately.

I am a single mother with 2 school age children and I face the loss of my home with no hope of ever getting the 'fighting chance' I've been promised

I have an adjustable rate mortgage on my home and I am paying outrages payments now. I have tried to get this company to help me, so that I do not lose my house and they do not care about my problem. I have begged them to assist me in either refinancing or taking me off an adjustable rate mortgage, however, they fail to see the issue. Millions of people are losing their homes to foreclosure and these big banks do not even care. The bottom line is their profit. They do not even see the issue with people losing their homes. They only seem to care about their profit.

I am so sick of the millionaires making more money while the middle class and poor families lose everything. These people are homeless on the streets and unfortunately, there is nothing that can be done. It would be great if the banks that have adjustable rate mortgages would reconsider and allow people to go back to the same percentages they had prior to the adjustable rate kicking in.

I really need to keep my home. I am single parent w/three children. One of my children is grown and moved out on his own, however, I am still raising two. Won't someone stop this financial disaster before I end up homeless myself?

My mortgage went from $1089 to $1389 and now it is $1700 a month. I cannot afford these increases.

The phone calls started 3 weeks ago; my caller id would pick up Homecoming Financial. They would leave a message for a Justin. After the 10th call it was time for me to pick up the phone and tell them that there was no one by that name living here. They said they would correct their information and stop calling. Well , they haven't stopped calling 3 to 4 times a day, morning noon and night. I've called them 4 times and repeated that this Justin doesn't reside at this phone number and to stop calling. The last time my son-in-law spoke to a supervisor at 8am and explained once again that this person doesn't live here; the supervisor told him they would stop calling. I received another call at 8 pm that night. I'm just fed up with it. I'm not getting anywhere; I would like it stopped so my family and I can sleep.

They wake up my family in the morning and late at night. One of my children has Down Syndrome. Its very hard to put him back to bed after the phone calls. My husband works different hours and loses sleep because we are trying to put our eldest back to bed.