PHH Mortgage

Loss mitigation with PHH, what a joke! I was completely current on my equity line and we wanted our 13% rate dropped. After talking to about everyone that would listen, we were told that if we submitted a stack of paperwork, they would be happy to look at our account and get us a lower interest rate. Mind you, we aren't running from this despicable company. After doing everything they told us to do, they didn't bother to look at our paperwork. When we didn't hear in 90 days, I called, only to find out they did get the paperwork but no one bothered with it and now we had to resubmit! We did it begrudgingly. Again, nothing!

This is now almost 2 years and we are no further than we were before. We did make a decision to stop making our payments hoping to get their attention. It did. They called every day and I answered every call. We are working with loss mitigation but we seem to not be getting anywhere and have had to submit the same paperwork 3 times! I am very, very frustrated and very tired. They have ruined us and I could care less if we ever make another payment to these people! They have sent us 5 intents to foreclose letters, to which I call and tell them to please come and get the house. Mind you, my first mortgage is completely current!

My loan was purchased by this sleazy organization. I initiated transferring my property to a living trust and received five pages of documents, was told to pay $75 to review my trust, two more pages requiring notarization (another $20) and a page of parameters my trust must meet. I have never had to pay a fee to transfer my property to my trust. I'm not even sure it's legal for them to ask that, particularly since this fee isn't stated in my original loan documents and I am legally entitled to will my 50% equity in this property in any manner I wish. I'm going to refinance rather than pay these thugs a dime. Beware.

I am getting ready to lose a lot of money because PHH Risk Management is black listing a VA appraiser. PHH underwriter and VA says it is a good loan but the Risk Management department stopped my loan at settlement. They should have communicated this to VA long ago. The house is going to foreclosure next week and this veteran is going to be out a lot of money. This is what my wife and I get for having excellent credit and serving this nation 2-1/2 years in combat. I'm glad PHH is trying to help the economy. It's too bad because if there was common sense used in this case, there wouldn't be an issue.

PHH has raised my escrow impound payments $300 a month in just 2 years. When I bought the house, I had to put up the escrow/impounds that they said fell short and I had to make an immediate payment of $2000 or my payment would go up from $1,612 a month to $1,720. I made the payment and they have refused to prove I'm short. That was just last month! PHH still raised me to $1,722 a month. On Friday I received another letter saying I'm now short $2,886 and if they don't receive it in 14 days, my new payment will be $1,950! I am up to date on impounds for property tax, flood ins and homeowner's. I believe PHH is running a criminal enterprise and I would like to start a class action suit. Who is running PHH, Tony Soprano? Please, there are over 400 complaints exactly as I have described. Can we get some help or at least an investigation by the Attorney General? PHH is a corrupt institution and this needs immediate attention. Thank you.

I currently hold my mortgage through PHH and I contacted your company regarding a possible refinancing or debt consolidation. I was told that due to the large number of calls, it would be better to have someone call me and the first opportunity they could do that was Saturday, March 10, 2012. I was given a confirmation number of ** by Oscar. I was supposed to receive a call between the hours of 8 am and 9 am today. It is now 9:41 am and I have not received a call. My time is just as valuable as anyone at PHH. I am extremely disappointed in PHH, but I guess that really doesn't matter to anyone at your company, does it?

I received a letter dated 1/18/2012 stating that due to an escrow shortage, I would be required to make a one time mortgage payment in March of $860.41 due by March 16, 2012. After that letter, one month later, they sent me a letter stating that they had received my February payment (which is direct debit), but it was short $260.41. They then called me to tell me that I owed them $1028.41 for the February payment, late payment fee and returned check charge. After speaking with several people in India with accents that I could not understand, I finally spoke with someone in customer service. I proceeded to get her name and customer service ID number. She assured me that the February payment would be applied, the extra charges would be waived and they would issue a retraction on my credit for the discrepancy.

Two days later, I receive yet another phone call from India, stating they are trying to collect that $1000 payment. I went absolutely ballistic. After speaking with almost everyone in their India customer service department, I was finally transferred to someone in customer service with no accent and hopefully this issue is put to bed. Again, I got her name, customer service ID and she assured me that it would be taken care of. I believe this is a scam to collect money from people that is not owed. I believe that they use these people with accents to confuse people and make them give up and just hand out their account information with payment. I am furious with this company and I am immediately going to look for another institution to refinance my loan with.

I haven't got an invoice for a few moths. I have to call (remember to pay) and get mailing address for check.

I bought my house in 2003. I paid almost three thousand a month for seven years on time. We hit the bad economy and I lost my job in 2009. I repeatedly called and asked for them to simply get me a lower rate (Again I was perfect for seven yrs, just under 3000 dollars a month). I was told that I had to be three months behind to get a re-modification. I first attempted to get a re-modification with no job. That didn't work. I tried again when I had a job. They said they were working on it. There were never any calls back or paperwork. I was then informed that I cancelled my own request. I did not!

I had a short sale for $265,000 on a half a million dollar house for over a year. As they admitted, they tried to sell my loan. The buyers then walked as PHH said it was all set, waiting for final signing off! Then we tried a deed in lieu which was approved, but, they informed me and my lawyer that they were foreclosing the following week, and not finishing the deed in lieu. My own lawyer spent many hrs trying to reach them and talk to sane people, and not get the runaround anymore, costing me more money.

I filed bankruptcy and lost my house last November. I am like the many, many victims here with this horrible company. My original loan by the way, was sold to these crooks. I had no choice!

Attempting to remove escrow from my account as PHH only analyzes annually and I always end up with a big lump sum payment when they finally get around to figuring it out. When I contacted them they said I was required to escrow by the investor. I never had a loan to value ratio that required escrow. I voluntarily escrowed taxes and insurance. Even with depreciated value my LTV is still well below 80%. I've been attempting to work this out for 6 months. I've now waited two months since my last contact when they promised to get back to me that week. They are pathological liars. I'm writing to the Minnesota and New Jersey attorney general.

PHH spent over a year dragging us through the mud resending modification papers a total of five times. I contacted my VA rep and Congressman and the modification finally was approved but only after PHH charged us thousands in attorney fees for doing the modification and we end up owing more on the house than we originally bought it for. They essentially took us for a sum of 40 grand we paid over the three years prior to the modification plus the Department of Veteran Affairs paid them for approving the modification. So PHH is rolling in our money and every other taxpayer. How is this legal?

I have been with PHH Mortgage since March 2006. I was diagnosed with lupus and work hours were shortened which meant less income. I am a single mother. I was approved for a loan modification three times and every time once I get into a year of the new loan modification, I then received documentation that I'm not approved. I never received return phone calls or emails. But when I do call them, they tell me it's going to the escalation department. They send out documents with incorrect dates. My most current situation is that I have now been in this modification since August 2011 but they sent me the exact same agreement dated from 2009.

I just found out Tuesday they are attempting to foreclose on my home that I have been making early mortgage payments on. They said if I give them $33,000+ today everything will be fine. They said they denied me because they never received my final documents. I have the UPS receipt, the notary seal, and verification from the PHH representative in writing and over the phone that it's been in the system. PHH now states that even though they see my information in the system and that they were negligent, they refuse to review my case, so I am still denied and they will foreclose. I voiced that I was going to seek legal representation, the representative snickered and told me I'd just end up losing more money since PHH can afford to fight longer than I can. How can they do this ethically or legally and continue to get away with it?

My Letter to PHH Mortgage after working with ERA Mortgage, who farmed out my 30 year fixed loan application to PHH Mortgage:

"Dear Chief Mortgage Officer, I wish to withdraw my loan application (reference loan # XXXXXXXX) effective immediately. After long and thoughtful consideration, I have determined that based upon the investigation I have performed concerning my potential future business relationship with PHH Mortgage, I believe that PHH Mortgage is not in my best interest to utilize your lending services.

"Attempts to communicate with your organization, and lack of communication with your horrendous Customer Service, repeated lost/missing documentation, etc., concerning my new application has instilled in my mind that my business, nor myself is not important to your company as you have made clearly evident based upon my limited experience thus far. As a retired Federal Agent and Forensic Investigator based upon the information at hand, I have decided to chose a top tier mortgage lender who does not engage in the predatory and unlawful practices in which your agency has the documented history of performing against its customers.

"My investigation consisted of exhaustively reviewing your Better Business Bureau (BBB) rating, open records requests on your complaints and pending litigation. I have also reviewed numerous Internet reviews and attempts to seek personal recommendations, which I was not able to secure a single positive recommendation on your business.

"Additionally, my research has indicated multitudes of pending litigation in which PHH is named as a Defendant or being investigated by agencies such as: with Federal Trade Commission (FTC), U.S. Securities and Exchange Commission (SEC) and the Federal Bureau of Investigation (FBI) Mortgage Fraud Division, United States Attorneys Office and other complaints which are actively pending against your organization based upon open records research I have conducted.

"Until such a time in PHH Mortgage drastically improves upon its customer service and corporate image and compliance with State and Federal laws in the lending business, I will not consider or recommend you as a lender."

I had to file Chapter 13. PHH in Florida is out of the trustee payment and I pay directly. Payment has never been late. I have a large amount of escrow that was overpaid in November. I received notice that I would receive a check. After several phone calls to I believe every associate that works at the company, I have been advised that since I filed Chapter 13, even though it does not affect them, I need to speak with their bankruptcy department. But they are not allowed to take phone calls and or return them. I have turned it over to my bankruptcy lawyer to handle. Seriously, I have made all my payments. I feel sorry and my heartbreaks for people trying to modify their mortgages with this company. They stand no chance of talking to a sane person.

I've been with them 4-5 months (VA loan). Pulled a full credit report without my permission when they already did one last August 2011. No explanation, no return calls, etc.

I have never dealt with such ignorance in my life. I have been waiting on my escrow refund check since October 2011 and it is now January 2012. A supervisor told me she would call me back by the end of last Friday, I never received a call back. I then tried getting a hold of this supervisor the following Monday. Not only did this supervisor give me a fake extension, but it seems like she is completely avoiding me. I was then told by someone in the tax department that this supervisor is sending my check overnight to me so it would be here by the 26th of January, which is today. I have been on the phone for hours trying to figure out how to get a hold of any supervisor to help. Apparently, every supervisor is not available.

I continue to get the run around. No one is able to help me. They just keep transferring me between the tax department and customer service. I am absolutely irate. Sylvia M. is the worst supervisor I have ever had to deal with in my life. She guaranteed me that my check would be here by today. But she couldn't even tell me that herself because she was too busy to talk to me.

She is never in the office, she continually is unavailable. I have asked multiple to times to speak to someone higher than the supervisor, but no one will let that happen. I keep being told to leave a message, that they will call me back, but I have not once received a single phone call back. Not once since October. Never in my life have I dealt with such ignorance and unprofessionalism. I am truly dumbfounded. Will I ever receive my check?

This has been going on for about 4 years now. They have ruined our credit, drained us of all our savings, 401k, and we have no credit, no money and soon no home. We have to file bankruptcy to try and stop them and tried to even work with them on a modification to settle this issue so that maybe we could get to the point of getting another mortgage company that will take over our loan. But you can not work with these crooks. They are out to take people's homes and that's it. We are at the end. We have no more options because we have no more money. They don't apply payments; they apply payments months after they receive them and they keep your account past due so they can get more money. This company has to be stopped.

This company is a total fraud. They put my home in the same jeopardy as everyone else in these complaints. After 3 months paying my new payment approved by HAMP, I received a letter stating that I wasn't approved and that I owed them for the back pay on the original loan amount. I reapplied again, still with no answer to this date. My home has been placed in foreclosure. I have obtained a lawyer to put a hold on the process while still dealing with PHH to save my home.

In 2008, after going through a divorce, I refinanced my home to be in my name only and to try and get a mortgage payment more easily managed on my income. The loan was immediately sold to PHH. Then in 2009, my employer furloughed everyone 24 days per year, so I inquired about the HAMP and was told I didn't qualify. Over the next few months, I inquired several times and was always told the same thing. My credit has always been excellent, I have always paid my bills on time. In early 2010, I paid my mortgage late. I called and the person I spoke with said I think you qualify for the HAMP. I said I had been told over and over I don't. He said "let's take a look and see". He asked questions and at the end said "yes, you definitely qualify"!

I started the process and after weekly calls where I was told they hadn't received documents, which I submitted at least 5 times, I made all four trial payments on time. I finally received the paperwork, after numerous phone calls, resubmissions of documents and months of lapsed time. The paperwork had amounts incorrect and it also had my ex-husband included. A quit claim had been signed and recorded removing my ex before I even took out the original mortgage, which was now being modified. So I began calling daily trying to get someone to understand that the documents were incorrect, no one would ever call back. I was given different stories with each call and for at least 3 months, no one ever said my ex was on the docs because they didn't have a quit claim.

Finally, that was what I was told. I asked why they thought they needed it when he hadn't even been on the original mortgage, but they ignored my question. I had the quit claim faxed 3 times directly from the title company, they continued for another 2 months to say they never received it. I faxed it personally, still they didn't have it. Meanwhile, I had been making timely payments of the modified amount shown on the incorrect paperwork. I finally received a second packet of documents, still with my ex included. In desperation, I finally just crossed out his name, signed and notarized the docs, included a letter explaining the situation and another copy of the quit claim and returned them.

Meanwhile, they had reported me as being over $6000 behind and to the credit bureaus. My credit is completely shot. I returned the docs in June 2011. I got a call in August saying that they had made an error and I had two options, send a check for $2600 or they would redo the docs and add that amount on. I told them after what they had done to my credit, I thought they should be embarrassed to even ask and should write off the $2600. Ultimately, they said they would be sending new docs to sign. It is Jan 2012 and I have received no docs.

They foreclosed on a house and then wanted to sell it. I made an offer. They said no. They said the price was too low, so I raised it to what they said. Since I agreed to their price and had already sent in a check that was necessary for the offer, I assumed we had an agreement. Days later, they now said the agreement was void because they wanted to closing date to be three days earlier than what was on the offer.

Then, they started a bidding war and when it was all over, it was back to the original closing date and not their closing date; yet they would not live up to the agreed earlier off that they said was no good because on the closing date that had to be earlier. Yet they didn't do that. Do not trust anything that this group tells you. Get them to put everything in writing before you do anything. Do not trust anything they say. Even better, stay away from these people. Stay away. Yes, stay away. Bad people to deal with.

PHH mortgage did not do what they said they would on our loan. We were waiting on paperwork to sign on our loan modification, which was taking an awful long time. What we got was a foreclosure notice! Nothing! We can't get them to contact us.

I started the process in July 2011 to get a loan modification the same thing that everyone else listed about this lender applied to me. They gave me the run around for months, send in documents every month to no avail and 6 months later denied my request. They should be fine for taking advantage of persons who are trying to keep their homes.

We by no choice of our own were sold to Citizen's Mortgage which uses PHh. First experience with them was that of trying to get a mod while my husband, a union electrician, was laid off in Detroit. It took 9 months & a mysterious $1500 slapped on at the actual point they mailed us the closing paper work-all this for a measly 10 month mod. They only lowered our payments for 10 months. Over the 9 months, they lost paper work, failed to return calls, were treated by customer service like 2nd class citizens and given the run around.

Now due to divorce, we were forced to short sale the home, an offer went in July 2011 and as of December 4th we have no answer. We cannot make the payments any longer so they have in turn started the foreclosure process, our sheriff's sale is days away. We then must close in the 6 months or the foreclosure will trump the short sale. They again lost paper work; fail to provide answers when we call and appear to have no earthly idea what they are doing. This is a travesty for people, when will someone anyone wake up and do something!

Five years ago, 2 mortgage payments and not hearing from PHH after 3 months of calls and being on hold over an hour, my husband was forced to file for bankruptcy. He was told to make up $500 plus the payment. First, I will say we were separated when he first bought the house in 2004 and I was not on the original loan with PHH. After the bankruptcy and the failure of getting a hold of them, the attorney's office told us the apply the DBL payment of $1000 to the next month's $500 ($1500). This set us down a road of nightmares we've never recovered from. We've twice now battled loan re-modification since, and what's all shook down our bankruptcy.

I never got credit for that $500, only to say we had extra principal and it was 8 months of no contact from them. Remember I wasn't on the original loan (the wife), I can get off it! They some how incorporated me into the re-modification papers and tried producing me the papers for a house I never bought. So I can actually buy a house for my kids! The other matter is they have twice now probably made up pay our whole income tax and bonus 2 years in a row which is about $8,000 to make up our payments and ignoring us for re-modification.

We filed for a loan modification in September of 2009. First, we were turned down. Then, we got a call that we qualified for the three-month trial. Like everyone else, we paid the three months and heard nothing from PHH. I called every month for over a year to make our payment and question the status of our modification. We were told, "It's in review," "It's with the investors," "You have been approved," "You have to be patient," "We are still working on it," "Keep making your modified payment," on and on and on.

I was never allowed to speak to a manager or supervisor because they were conveniently out of the office. I had to speak to employees that did not speak English, so they had no idea what I was even talking about. They kept reading the same thing off of a computer or paper. Finally, in September of 2010, we received foreclosure papers in the mail. They would not accept any mortgage payments after that point, unless it was the full amount of what was owed. They said that it was the investors that put a hold on our mortgage and they had no control over that.

Now, it is November of 2011 and we have finally (I think) sold our home by a short sale. It's almost over, then, I will not have to deal with PHH Mortgage. That's the only good thing that has happened. We have no home and are living with relatives in their basement. I can only hope that PHH will have to answer for what they have done to so many people, and not be able to do it to anyone else!

We were current on our payments, when I called about remodification in April 2008. I was a full-time student and pregnant. PHH said we had to go delinquent. Being us hesitant, they kept sending enticing letters to apply for their mortgage assistance program. In October 2008, I talked my fiance into going 3 months behind. What harm would it do?

They rejected us for the program, and then they wouldn't accept any payments, unless we also paid thousands in fees. I got an attorney and went through mediation for almost 3 years. We even had a forbearance agreement and paid them all four payments under the agreement. But we never got modified, and they jacked up the amount of money we owed for our home by more than 60 grand.

We moved out 7 months ago, and the house is still empty. Their attorneys of Hunt Leibert and Jacobson are as big a crook as they are! I cannot believe this could happen. My fiance and I both had to file bankruptcy to be relieved of the debt they could come after us for. All we ever wanted was a lower payment or we would have just kept paying the one we had. Total scam!

The appraisal came in low and had some inaccuracies.The loan amount, payoff amounts, and cash out were changed numerous times which PHH said caused the initial rate to increase. They did not do a proper title search and did not know the account that was not to be paid off was a lien on the property. They then charged me more money for a full title search.

I tried to setup automatic debit using the instructions provided, and when I checked whether it was in place, I was told that the form that was provided to me was not the one to use and had to set this up online.

Also, throughout the loan process, I told PHH that the taxes needed to be paid for this year 2011 and also were to be escrowed. Thankfully, I checked with the tax collector who told me they had not been paid. A lot of stress and time were used in trying to correct issues. I am not secure in knowing that this loan will be handled properly going forward.

This is to inform you of the deceptive mortgage servicing going on against the disabled military veterans of our country by PHH Corp. I am a 100% perm. and total US Navy Veteran who got his first VA loan last year. Since the loan was sold into the secondary market, it was serviceable by PHH Corp. out of Mt. Laurel, N.J. Ever since day one when I requested a direct debit from my acct. in writing with full checking acct. and routing number by my closing agent, they have tried to force me into foreclosure through deceptive, predatory practices. When I informed the N.J. Atty. General of their failure to debit my acct., the President's secretary contacted me directly and said it wouldn't happen again.

I assume this labeled me a trouble maker because I got a letter a couple of weeks ago saying they had no record of my Homeowners' Insurance. This struck me as strange because of the stringent guidelines imposed by the VA to obtain the loan and because my insurer, Farm Bureau, was typed into the original HUD statement since origination with the same premium since day one. Of course I am exempt from property tax in AR due to my 100% disability, so I complained again to the N.J. Atty. General.

This time they sent me a letter telling me I have an escrow deficiency to the tune of $1958. They also said my fixed rate for a 30-yr loan would go up from $849.33 to $1150. I am complaining to any agency that will listen because this shouldn't be allowed to continue in our country, and this company should be closed down. I have all the written information and my perfect payment record for the last 12 months. Thank You, Jeff **

I refinance my mortgage interest from 6.49% to 5.0% for 30 years. It's fixed. I have no salary increase for 4 years, so I am struggling to pay my mortgage and other bills, and knowing Fannie Mae service my loan with PHH, I'm approved to refinance my mortgage and supposedly to process for a lower interest rate since August 17, 2011. However, the loan processor always seems to take so much sweet time towards closing despite that a 3rd lienholder subordination issue has been ironed out for a while and assured me that the 2nd lienholder won't be a problem.

On October 20, 2011, I received a reply from this loan processor, saying that if she doesn't receive the 2nd lienholders subordination, she will extend the rate lock on 11/7/11 and there will be more cost. I have a feeling from the beginning that this loan processor is trying to nickel and dime me for PHH.

We have been trying to get a loan modification for 2 years. I have sent in 5 packets. Each time it was being reviewed and/or they didn't get "insert here specific item". Each time it was something different that they didn't receive although I used the same guidelines to send them the paperwork. Now I can do it in my sleep, I've done it so much.

At one point in this process I was told by a PHH representative that we needed to be 2 months behind to qualify for the government modification. Since I have medical problems, lost my job and my husband had a salary reduction, this was a welcome invitation. Naturally, it has not worked to our advantage. They are making a killing on fees and it puts them in a good position and us in their mercy. We are getting the run around. I am at a loss. We are getting nowhere. I also get disconnected everytime I call them!

Each year, my escrow payments increase. This year, they have increased by almost $60.00 per month. This is completely wrong. My taxes and insurance went up, but only by $200.00. I put that money into escrow on my own when I saw that the amounts on the insurance and taxes are higher. A recalculation on my own showed that my escrow payment should have only increased by $25.00--not $60.00. When I contacted the company to try to discuss it, I get a person on the phone whose English is barely decipherable, and they give me the same explanation, "Well, your taxes and insurance increased." I know that, but not by that much! I cannot get anyone to listen!

I called and had a Written Hardship Letter on behalf of my brother and his wife to PHH Mortgage because they had fallen in unfortunate circumstance and we're behind in the mortgage payments. We have done everything in our power and have exhausted all of our resources to diligently make amends with this firm. The bottom line is, exhaustion and wasted time due to the reason above.

On September 7, there was a disastrous flood that caused my brother and his wife's residence to be uninhabitable. Now we are planning once again to see if the PHH Mortgage company will step up since the home depreciation is higher due to this disaster and no one in their right mind would want to buy a house that does not meet the housing code and is uninhabitable.

I've been unemployed and diligently seeking employment since march 2011 to the present time. To be proactive, I contacted PHH Mortgage in May 2011 to inquire about payment assistance because I could foresee that I won't be able to make my monthly mortgage payment. I was told by PHH that because my payments were current, and not yet in default, there was nothing they could do for me. So, here comes July 12, 2011 and I was not able to make my payment. I contacted them and they sent me a loan modification package to complete. They are still in the process of "processing" my request for assistance.

When I called to check on the status, they said that "it's in the review process." In the meantime, I have been getting calls from PHH Mortgage Services every half hour (30 minutes) letting me know that I'm behind in payments and asking me when will I be able to make one. This is insane and harassment! The right hand does not know what the left hand is doing. They called today (September 6, 2011) and inquired of me the same. I told them that I'm going through their loan modification process and to stop calling me every 30 minutes. The representative apologized and said that she would stop the calls. Well, guess what, they called me back in 30 minutes and told me to disregard the call because they could see that I had already spoken to them today! Whew!

It is my preception that I am one (1) month behind with my mortgage payments(I've been unemployed since 3/2009.) My only source if income is from NJ disability pension. This pension payment is made once a month. I have been getting numerour phone calls and letters from PHH Mortgage. Which is understandable. I have on many occasions explained to them that my payment is recieved usually on the first of each month. For the month of August 2011, my payment schedule states I will receive my pension on July 30, 2011. And gave a number of (out of country) customers service operators from the loss mitigation Department my word I will make a payment on July 30, 2011.

When I arrived home later in the afternoon. I attempted to make an online payment each attempt an error prompt came up. Which is unusual for I make almost all my payments gthrough this system. After a few attempts,

I tried their telephone speed pay from Western Union. After I keyed in my loan number an automated prompt states this account cannot be processed.

I applied for a loan thru my broker. My broker set me up with this outfit, PHH Mortgage Services and I sent all information to Marion ** when it was asked for. I continually kept him up to date on our end.

Loan papers specified closing date of 29 JUL 11. I told Marion ** that the closing date is on 29 JUL 11. Now, in the morning of 27 JUL 11 he called again and said, "oh yeah, we need yet again another piece of documentation." Again, he is informed our closing date is 29 JUL 11, and this time his response was he had the closing date written down as end of August, and apologized.

Over the previous month we had to jump through hoops to get inspections, insurance, forms, et cetera-- all of which cost money. All of this was done in a very timely manner on our end.

There always seemed to be one more document that was needed. Now after Marion ** told me I needed this additional and I try to send him the information, I find out he is now out of the office until 7 AUG 11. No one else from his office contacted us. Guess he really felt bad about aiming for a closing date he made up himself.

Now utilities are set to be turned on, services set to start, movers set to move stuff, transportation from NY to FL arranged, and the guy on the mortgage side, who admitted on the phone he screwed up, is unavailable until after the closing date.

Anyone have any suggestions?

I bought my house in May 2006. In the beginning, it was Coldwell Banker Home Loans but now it is PHH Mortgage. My payments have always went up until I was put through three modifications due to reduced income. I was always told that the PHH Mortgage had all the required documents but then I later find out that PHH Mortgage misplaced documents and couldn't find my information that was submitted. Last year PHH Mortgage told me not to make any more payments at the beginning of the year until my modification was approved so I didn't. Then PHH Mortgage tried to foreclose on me in the middle part of the year. Then I was told that I was denied the hamp program because my documents were not submitted on time. So then, PHH Mortgage told me that I was approved for yet another modification program and now I'll pay double of what I was paying!

The house value goes down but I have to pay double of what I was paying! Great news, at least, I got to keep my house but I'm not happy with the new payment however!

They are mishandling my loan modification.

This financial institution preys on the desperation of the borrower. It became very clear that unless we agreed to secure a mortgage at a much higher (ridiculous) interest rate, I already knew our loan was not going to be approved. After providing countless copies of supporting financial documentation, our mortgage loan was denied based on a late payment which occurred with an account over two years ago. We went into this with a pre-approval letter of 125k from a well known financial institution. However, because the home we were purchasing was a manufactured home, the bank would not finance. We were then recommended to PHH Mortgage as an alternative by a third party person.

All in all, in the end, we were advised that we were somewhat of a credit risk although credit score is in the 700 range. I am of the opinion that this company falls into the category of scammers. They will provide what you need and want only if you agree to a higher interest rate well above the national average. Plus, although your paperwork states you are locked in to an interest rate, you actually are not. The rate continues to increase because you never seem to reach that closing date. The process goes on and on. After reading other complaints on the Consumer Affairs website, I am jubilant that this transaction ended before we were actually fully engaged in a loan with them. They are legally getting away with scamming innocent and desperate people which is very sad. I am surprised that no one of authority has intervened to investigate this company.

PHH Mortgage mislead us on our loan from the beginning. They told us we had the best interest rate and benefits for our loan. Come to find out the mortgage payment was way too high for what the property was worth and soon after we had hardship. We try to contact them in reference to the matter and it became more and more hard to reach them on the phone.

We have no home. Our home went back to lender, whatever that means. This has cost us emotional and physical problems. Our children had also suffered from this as well. This has also damage are credit ability.

Since 2009 ,have tried to refinance and save my home. Went to HUD, Consumer Credit Counseling, HAFTA, Circuit courts. So much info to PHH and years of supplying income changes. My original loan was 8%. Guess what they offer me now- modification at the 8% and pay off loan in 2051. I am 72. This total nightmare sounds like all of us that have fallen thru the cracks. The Banking industry under the Obama Plan. What is that?

Last April 2010, my unemployment compensation ended and since then, I have been struggling to find gainful employment. Come August 2010, I was already two months behind on my mortgage payments. I called and explained my situation, but all they could tell me was that I must pay my mortgage payment in full. I tried to explain that I was having a hardship, but of course, the outsourced telephone operator from India did not understand this. Then I received an Intent to Foreclose. Horrified, I took the document to my local Neighborhood Housing Services as they assist homeowners in obtaining loans to save their home.

Unfortunately, anyone that has an FHA Title 2 mortgage does not qualify for this program. I have no idea what an FHA Title 2 mortgage is but according to PHH Mortgage, they assured me that I did not have this type of mortgage. Of course as it turned out, I received a letter denying my request from state HMAC office. The next step I was advised was to apply for a Loan Modification from the Mortgage Company. So the housing agency worked very diligently with me to get all the documents submitted in a timely matter. The entire packet was over 38 pages.

After everything was submitted in September 2010, I would periodically call PHH Mortgage to check the status of my Loan Modification. Each and every time, I would get the same response "We're sorry, the packet is still in review". Now it is April 2011 and I have since been sued by the PHH Mortgage from their attorneys. They have filed a judgment against and now today, I have received notice that PHH has scheduled a date for my house to sold at a Sheriff Sale in July 2011. I am mortified. I absolutely hate PHH Mortgage and think they are the worst mortgage company around. I thought with this national economic crisis we are in, that there are money to save your home. Obviously not. I am working with a realtor and only hope that I can get my property sold fast. PHH Mortgage is not a company that I ever want to deal with again. I have to go through red tape just to talk to a person there, who's always from India!

Without great detail, I was 2 payments behind. I called PHH and notified them that I was sending 3 payments to bring the account to date. After receiving a foreclosure notice, I called and was told that the checks seem to have been lost in the mail. Now, I face approximately $1,300.00 in additional attorney's fees. This is not right. Now, it's $4,000.00 to bring to current or they get my condo.

I telephoned PHH Mortgage today, February 23, 2011, checking on my loan modification packet that was sent in August 2010 and updated on February 14, 2011. The first person I talked to said that foreclosure will be processed on February 24th. I was transferred to the Loss Mitigation section, the person I talked to stated that my packet was received but was still in review. The person to whom I spoke stated that he did not show any foreclosure on the February 24th and that my packet was being assigned to someone for review. I have attempted to sell my house with no luck. I even dropped the price to the payoff, still no buyers.

PHH Mortgage hasn't help me in any form with my mortgage, only made threats of foreclosure if my payments are not received within a certain time frame. I have done research on this company and there are a lot of people in the same position as I am with this company. I am tired of making phone calls and receiving phone calls in reference to this from PHH Mortgage. I can not make any headway with them, only more threats of foreclosure and "my packet is in review". I have the opportunity for a job in Georgia, but can not move until this is settled with PHH Mortgage. I spoke with them today and informed them of this situation to which no answer was given, only that my packet was in review. It has been in review for 7 months now, I have to make a move.

This is a follow-up on my complaint addressed against PHH Mortgage back in August 2010.

We have received our Modification Loan from PHH with several stipulations as mentioned in my previous complaint against them. To date January 19, 2011, we have had the modification in place for 4 months. We have yet to receive any monthly statements from PHH stating the Balance, Property Taxes, Insurance, Escrow, Principle, etc. After just 3 months, our monthly payment went up from the negotiated $1690.18 per month to $1733.54 with no explanation. We received a threatening letter from PHH that our monthly payment of $1560.10 was $173.00 short and if not paid by the end of the month, derogatory comments would be placed on our credit report.

Our check for the amount of $1690.18 simply disappeared and was not credited to the proper account even though I sent it via UPS on Jan 3 2011. Someone named Tony signed for it on Jan 5 and our Credit Union verified the amount of $1690.18 had been cashed by PHH on Jan 12, our payment was not credited correctly. I attempted on 4 separate occasions to contact our PHH Representative Ms. Rhonda ** only to continually receive a voice mail messaging system. I have now written to the FTC, our States Attorney General, and this website in hopes of gaining some sort of restitution against PHH Mortgage for their incompetent handling, not only of our situation but as I have read several hundreds of others across the country. Someone needs to investigate, possibly pursue legal action, against this mortgage provider.

To all who has been affected by PHH Mortgage. I have been helping my sister, Mary **, who has been experiencing the same problems as many of you have. Her situation started roughly 1 1/2 years ago. And more recently, starting in August 2010, her situation with them has progressively worsened.

For example, PHH mortgage lost her mortgage payments for August and September (both were mailed on time). Then, she mailed October and November payments on time, only for each payment to be returned with a letter saying the payment will not be accepted. They were requesting a significant amount more than what she owed in each letter.

The above is just an outline of what has happened. It does go in depth, such as, many calls to PHH Mortgage, excuses here and there, and so on.

To all who has been affected by PHH Mortgage, I have been helping my sister, Mary ****, who has been experiencing the same problems as many of you have. Her situation started roughly 1 1/2 years ago. And more recently, starting in August 2010, her situation with them has progressively worsened. For example, PHH mortgage lost her mortgage payments for August and September (both were mailed on time). Then, she mailed October and November payments on time only for each payment to be returned with a letter saying the payment will not be accepted. They were requesting a significant amount more than what she owed in each letter. The above is just an outline of what has happened. It does go in depth, such as, many calls to PHH Mortgage, excuses here and there, and so on. As a result of what has happened, my sister is now receiving foreclosure letters and her case has been turned over to an attorney. Likewise, her credit report has negative activity that has been reported by PHH Mortgage.

So, I have taken the initiative to help my sister. I have a friend in NJ who is a judge. Likewise, I have another friend who is a commercial bankruptcy attorney. Here is the advice that both have given to my sister and I will pass this along in hopes that this will help you too.

1. File a complaint with the BBB in NJ and report the situation. There is a form online to fill out; do this asap. By the way, there have been 321 complaints about PHH Mortgage recently reported to the BBB in NJ and I was told that each has since been resolved. I do not have confirmation of this.

2. File a complaint to the Federal trade Commission and get a reference number

4. Contact the Media in your area.

5. Hire a good attorney in your area; one who specializes in Bankruptcy. Make sure you hire one who is highly recommended and specializes in Bankruptcy Litigation. Never hire an attorney out of your area, especially ones who want money upfront who you will never meet. If your credit has been negatively affected by PHH Mortgage, through no fault of your own, you have excellent grounds to sue PHH Mortgage for "Fair Credit Reporting Act" Solid proof!

6. Always respond to all letters received by PHH Mortgage. If a letter is submitted and it goes unanswered for 35 days or more, then the foreclosure process can be initiated. PHH Mortgage could send you a letter and you can easily overlook fine print.

7. Start gathering all loan documents, canceled checks front and back or copies of form of payment showing paid, any signed agreements. Document everything. If you should have to go to court, the judge will need these documents.

8. Contact Hope Now: 888-995-4673; tell them your situation.

9. Send all future payments to PHH Mortgage certified with green card requesting signature from PHH Mortgage. Be sure to include a letter to PHH Mortgage including check number, amount, month being paid, and make copies of everything.

10. In the worst case scenario, file bankruptcy; this will stop PHH Mortgage dead in their tracks and your home cannot be touched through foreclosure.

I do hope that the above information will help anyone who is going through what my sister is going through. Good Luck!

Beginning in August of 2010, this company showed a third property tax payment to our local county in their records of our mortgage, even though only two payments were made. This resulted in a shortage in our escrow account and we've been required to pay extra on our monthly payment to cover the shortage. We repeatedly called them, at which point they admitted their error, told us that work orders have been dispatched to remedy the problem and issue us a new annual escrow statement, and that our required overpayment to escrow will be applied to the principal of the loan.

None of these ever occurred, and the next month, we're faced with the same dilemma of being forced to make bogus payments or be hit with various penalties. Our county can verify that only two payments were ever received, although that hardly seems necessary, since as far as I know, nobody requires more than two property tax payments in a fiscal year.

This is for Lisa of Lake Oswego, OR. I am facing foreclosure from PHH Mortgage Service Center due to similar reasons as yours. Please read the BBB records for this corporation. You will find useful information about this business.

To all homeowners who are affected by PHH Mortgage Foreclosure, I have been in modification for over one year. On Nov. 6 2009, I have not received one phone call or letter except when I was issued my foreclosure notice. I applied for $25,000 early take out from my 401k to save my home. When granted this money, I learned that the Bank would need to hold it for 48 hrs before releasing me the money which put me 24 hrs after the sheriff sale. When I called PHH to ask if I show proof of the money if would they stop the sale of my home, they said no! My bank made an exception and freed my money. This was in April 22, 2010, working with MN modification since then and I have yet to hear one word from PHH.

All the phone calls and letters go unanswered. I have a fixed mortgage yet my mortgage payments go up 400 due to escrow being short? How can that happen when I pay on time the full amount? Yesterday, November 20th, I received notice that my home is in foreclosure once again. I am not looking for any type of hand out. I will take anything that will keep me in my home; I will pay 40 years instead of 30. Anything they can offer. I have put my heart and soul into my home.

I cannot imagine not living here any longer. I'm exhausted from all this and I have lost my spirit and faith. I have worked my entire life for this home and I am about to lose it unfairly. I feel hopeless along with thousands of other people. Together let's stop PHH and put them out of business as they have put so many hardworking Americans out of their homes. If anyone can direct me to urgent help to save my home please contact me.

I have very good to excellent credit. As a result of PHH mortgage saying that I made 2 late payments, I was not able to get a lower interest rate on a loan. I have the paperwork from my bank showing that I have paid on time in both cases. I am very upset, attempted to speak to someone on customer service and I think that this was an outsourced company that did not help me at all even though they said they would straighten this out. I still see that my credit has been affected. I will be contacting everyone that I can think of to help me with this injustice. I have lost the opportunity at a lower rate loan due to PHH Mortgage company providing false and damaging information to my credit rating system

I lost my job which let to being two months behind in my mortgage payments. I attempted to work with PHH Mortgage, filing for the Assistance Program. I was telephoned and told that they would not accept payments unless it was for the total amount owed. I was offered the repayment plan but after receiving the letter from PHH, it was discovered that they want me to repay $5777.52 in $1.022.19 monthly installments for the next six months.

My mortgage was $739.69 (including late fees), being in the rear for two months makes that's only $1479.38. That is a difference of $4,298.14 that was not explained when I regrettably agreed on via telephone call. I have to say also, the person to whom I was speaking didn't speak clear English and was hard to understand. But during this conversation, I was told that I had to accept this plan in order for PHH Mortgage accepts my payments. This doesn't seem fair by no means; I am being forced to pay PHH Mortgage an outrageous amount to keep my home. Is there not a way to hold PHH Mortgage for its actions?

My husband and I have gone through very similar circumstances with PHH. We called them back in the middle of August 2010 and asked if they did modifications. We were told no! We explained to them that we had some repairs to the house that cannot be avoided. We live in a 200-year-old small farmhouse. My gosh! There was so many issues that I don't even know where to begin. So, I will begin with where we started in the house. The only bathroom in the house had serious rotting around the toilet so much so that the only thing holding the toilet was the pipe under the toilet leading into the basement. There was so much rotting in the bathroom alone that we had no choice but to tear up the entire floor and replace the entire bathroom. The wiring was so old that we noticed that if we tapped on the wall next to outlets that it will cause a huge arc which is very dangerous.

When we tried to replace light fixtures, the old wiring was just falling apart. We had no choice but to replace the old wiring in the house for fear of an electrical fire. Then there was the old heating system that had actually blown a hole last winter in the back of the old steam furnace, not to mention the asbestos on all of the pipes in the basement was literally falling off the pipes! This house had no sub-flooring whatsoever. When the basement would get wet every spring, we could smell mold through out the house. So I can only imagine what kind of exposure we all had to that asbestos! So we had to remove the asbestos safely. By the way, my husband grew up in carpentry so most of the work that had to be done got done by me and him. All we paid for was the material. Keep in mind that we hadn't yet put in the heating system.

We also had no choice but to replace all the old plumbing. We were lucky that we have a close friend who is a plumber who came in and did all of this for us at cost. We figured that seeing as though the house had been appraised back in 2008 for $227,000.00 before any of these improvements had taken place, that we would have been just fine refinancing even if the housing market wasn't doing so well. These were huge improvements after all. So we finished much of the work and we found another mortgage company that had 4.5% interest rate and started working with them to get things moving. The entire time keeping up with our mortgage payments! The name of the company that we were setting out to refinance through was PFP Wholesale. My husband was the one who found them.

As soon as I saw the name of the company, I got a little nervous and expressed it to my husband who in turn assured me that everything was just fine. The guy, called Kerry, that he had been dealing with everyday at least twice a day to see if he had gotten all of his paperwork done and to get it faxed over ASAP. So we did. Then he got it to the underwriters and told us that everything looks great. Then he proceeded to tell my husband not to pay September's mortgage payment that I won't need to and because Kerry's truck was going to get paid off as well, that he didn't need to pay September payment for the truck either. This is where everything went downhill. It gets much worse. So this guy calls Kerry back and tells him that he will be sending an appraiser in the next couple of days. Kerry then said, "Is it going to be okay that the kitchen is not finished?". The guy replied, "Does it look like a kitchen?" Kerry said, "Well, yes!". He then said, "Don't worry about it". Then he calls back the day before the appraiser is to come and tells Kerry that he just found out that whatever is not finished in the house will be considered unfinished in the report. We then began the panic. We not only had an unfinished kitchen but no heat!

So we had to call the appraiser and tell her our situation and ask her to come another day. She agreed but only gave us a week. So we scrambled and spent every penny we had to get everything finished. We literally worked on the house right up to the very last half hour that we thought we had before she was going to show up. Just as we get ready to clean up the huge mess, we had the appraiser shows up a half an hour early! So while her and my husband goes around the house, I am cleaning up like crazy! This woman proceeded to tell us that not only is she an appraiser but she and her husband buy houses and flip them. At one point, I noticed that one of the light fixtures is not up so I run into the kitchen to get the light fixture and hand it to my husband just as I do that, she proceeds to take a photo, I am in her way, and she screams at me and says, "Get out of the way!" That is when I just walked away and stayed out of the way.

When she was done, she asked us if we would ever be interested in selling. We both said, "No!" Now, keep in mind that in 2008 with no work whatsoever done on the house, we refinanced the house through our bank that we do our regular banking through the appraised house at $227,000.00. We took out $178.000.00 to consolidate our bills. Thinking back now, we should have known something wasn't right. Not only did they not send an appraiser and when asked how they came up with $227,000.00 without an appraiser, they stated they did a market analysis. They also never asked for bank statements or pay stubs. When the time came to close on the loan, we noticed that the loan was not through our bank but through this company called PHH. We asked how what this was all about and they said, "Oh, we sold the loan to PHH".

Now, back to the appraisal, a couple of days later, they come back and say that they are having a hard time trying to find any house to compare to ours. That it will take a few more days. Eight days later, we get the appraisal and we were completely dumbfounded. First she stated so many wrong things on her report and appraised the house way under what we even owe on it. She came in at $146,000.00! So, now here we are, one payment behind and broke! We can't pay our truck or our mortgage. So we called PHH back, told them everything, and asked what we can do to fix this. They told us that we can just refinance through them. So again! We had to go through all the paper work and then pay for them to send out another appraiser, who came out only two weeks after the first one, and then appraised it even lower than the first appraiser!

Now at this point, we are two payments behind. So we call PHH again. Bu the way, the phone service these people have is awful! You spend hours at a time on the phone being put on hold and transferred from person to person. It was after we had become two payments behind that we were told that we could do a modification! We were very upset with them! We let them have it! We told them that we came to them before we were even behind and asked if they did modifications and was told no! So they did this interview over the phone and then we were told that we indeed qualify and that they have some paperwork that they will send and to please look it over and make sure everything is correct.

In the mean time, they would get everything in motion and we would have a new payment paying only 2% for the next five years. Dropping our payment considerably, we finally had hope. Then the paper work shows up and it's like we are refinancing all over again. We had to fill out all of this paperwork and then send them all the same information we just had for the refinance. We were not prepared for that. We were made to believe that everything was already said and done. Then the phone calls started, demanding payment. When we told them that we were in the middle of doing the modification, The Obama Plan, they said that it would take up to 60-90 days to get approved! What?

So, day after day, we are calling, trying to find out what the heck is going on, getting shoved from one person to another, hour after hour! At this point, we are being told that in order to be approved we have to get caught up on our payments. Which they needed right away, one payment and half of another. We were like, "Are you people crazy! We are coming to you for help because we can't pay and now you want more out of us!?" So we told them that we have no choice but to do a short sale. It was then that they told us that our house is set for foreclosure but that we could fill out the paper work for the short sale and that it will stop the foreclosure!

After reading all of the complaints, I see that there is no hope of working with PHH to find an ethical way of getting out of this ordeal! I have decided to send this file of complaints to Glenn **** in hopes of this getting out into the media. He's as honest of a man, I know, and I pray this will spark his interest for all involved. I came across a tragic story that Fox News had posted on the internet about a woman who committed suicide in her home that PHH was getting ready to auction off in a couple of hours. After what we have been through with PHH and after seeing what all of you folks have been through, I have no doubt this poor woman was facing the same set of circumstances we all have been facing with PHH and still continue to face.

Many of the stories above reflect our experience. False address were given to us with temporary modification, which in turn made us late on payments anyway. We never caught up. Pre-screened for HAMP program, was told we met guidelines. Received denial letter from PHH stating that we still could afford our payments, come to find out they did not consider 2nd mortgage payment. You can't qualify for 2 HAMP if 1st does not cooperate. Games, constant transfers between departments. This company is basically shuffling their cards and letting us qualifying homeowners wither away. They need to be stopped. Period.

I had applied for HAMP in April 2009 when the economy had went bad. My work made cuts and I had a drastic cut in income; plus, we were only working three days per week. I have an FHA loan also. They said it was in review, waiting on package, etc. In October of 2009, they sent me a letter denying me for HAMP. They also put the wrong amount for my monthly gross (I let them know about this). I was then pre-approved for forbearance to permanent modification for six months. They were getting figures ready and going to send out package with new monthly payments, etc. I kept calling but they kept telling me that it was in review--postponing sale dates.

On March 1st, 2010, they sold my home right out from under me and it stated that they conveyed the property to PHH Mortgage Corporation. They claimed my house as being vacant! I sent in proof that I live here and am still living here. So I was trying to get the sale rescinded since it was done "unlawfully" and it has been nothing but a complete nightmare. I am now trying to reinstate my home (for something they did unlawfully). They told me I had to come up with $16,500, and show that I had it in my bank account. I had to borrow money to show them this. And then, after I had faxed this to them and showed them this, they raised the price $4,000 higher!

These people are not complying with any of the programs that the president put out. I should have been approved for my hardship assistance. This is accounting fraud, providing false information. They are letting peoples' homes go into foreclosure intentionally to get the insurance money, scamming HUD, and then reselling your home and making even more money. These people better be prosecuted and the government better do something about this.

I was introduced to PHH Mortgage by Louisiana State University, where I had been employed for the last six years of my thirty-year career in education. LSU was the best place I ever worked. The faculty congenial, the students smart and the administration supportive. Imagine my disappointment to learn that this esteemed institution was selling mortgages to this predator company, profiting from the good will and trust of the LSU employees.

What is the fiduciary responsibility of an institution when it provides the State's reputation to a private business -- knowing full well the notoriety of that business? I hear State schools are now laying off employees. Hard times they say, harder times for the people who lose both their jobs and their homes because they trusted their employer.

I have been going through the same things as all of you have with PHH Mortgage and I am fed up. I have been trying to do the loan modification for a year, I just received the last approval letter and they wanted $735.00 in 4 days. They also added $7000.00 to my loan. When I wanted an explanation of the fees, no one could tell me. Loan modification through PHH Mortgage is a scam. They claim to help, then add late fees, late interest, and whatever else they want, and then tell you if you don't sign the papers, they will foreclose. I'm not going to be silent. I am gonna fight for my home. I have 4 small children. I have filed a complaint with the Better Business Bureau in New Jersey and I filed a complaint with the Federal Trade Commission, which is what all of you need to do. If there are enough of us, they will have to do something about it.

My husband and I recently went to refinance our home to take advantage of the lower rates and save money and maybe knock some years off our mortgage. After going through the appraisal, credit checks, which we worked to get back after a bankruptcy in 2004 and are now around 740 again, and all other aspects, we passed with flying colors. Then we find that PHH has placed a caution' on our file. We have never been late with a payment or missed any payment from the very first day we had our mortgage. I have sent papers from the final bankruptcy, which was filed in Federal court, showing the home was exempt and that the payments were to be kept up. They still have not corrected this on our file.

I understand the bankruptcy needs to be noted but the exempt should also be noted and after bringing our credit back up and all other surrounding information, I believe we should not be penalized any further. Our loan officer and the new loan company who we are looking at cannot see why they will not correct this but due to new laws, until this caution is removed, they cannot grant me a refinance either. PHH are not returning any of my calls to let me know what is being done, if anything. This is very upsetting to us, as this negative mark they have on our file is prohibiting us to do any improvements with our home. What can be done or who else can we contact to help with this situation?

The repeating experiences I have read on this page reflect my experiences as well. Where and how do we go about filing a class action against a PHH Mortgage? How can we get injunctions against any/all impending foreclosures, for I see several avenues. PHH tells us on these endless telephone calls, which we have to initiate and wade through, that they will work with us to help save our homes and they will start the loss mitigation process. Then we enter the realm of: their obtaining years of personal financial information via fax from us, which they then sit on with intent to not review, not mitigate loss, but simply to initiate foreclosure proceedings.

It is time they were held painfully accountable for not adhering to the current HAP procedures, and perhaps others I am unaware of. Entirely unethical behavior. When they state on the telephone that they are reviewing your HAP documentation, they tell you specifically that the review will take "up to 90 days" but then they file notice and intent to foreclose before 90 days. A critical element of fiduciary and contractual behavior by a corporation is clearly amiss with obvious intent.

I am thinking treble damages for misrepresentation and breach of contract by PHH. I just need to find others who want to bring this company to equitable justice and of course save my home, too. If a civil suit by individuals won't come together, the government should step in ASAP. There's a potential loss of home in which I have over $100K of direct equity as that was my down payment on the home, which only cost $297K and has a 30 year fixed rate loan.

PS: What is the name of the CEO of PHH? I want to send a certified letter and demand letter this week for Equity in Civil Court. Thanks.

I lost my job in May 2010. I contacted the mortgage company and they suggested I do the homeowners assistance program so that I could take 3 months off from paying and those months would be added to the end of my loan. I submitted the application and was told that I was in their system. In July, the foreclosure letters started arriving. Once I opened the initial letter, I called and was told to ignore the letters, they were just a formality because my application was in the system. I began working in July so I sent a partial payment, it was as much as I could send at the time. In August, I received yet another foreclosure letter and immediately called again to be told yet again to disregard.

I contacted the company in Sept. to inform them that I was due to receive my tax return and I would catch my payments up then. On October 4, 2010, I received a letter from PHH demanding that I pay said amount ASAP or risk foreclosure. The letter was dated 27 September 2010, but it was sent from New Jersey to Georgia. Attached to the letter was a check and a statement that read that they don't accept partial payments. Luckily, that same Oct. 4 day, I received my tax return so I deposited it in the bank on the 5th and did money transfer to PHH for the 6th.

On the 7th of October, I receive another letter from PHH that was dated the 30th of Sept. alerting me to the fact that my loan had been turned over to a foreclosure attorney. I called them on the 8th of October and was told that yes I sent in the money that the October 4th letter requested I do, however, they wouldn't be accepting it and would return it back to me because the loan was turned over to their foreclosure attorneys.

I don't understand how they can send a letter from New Jersey on the 27th of September and then process my home for foreclosure on the 30th of September. I responded and provided the money requested two days after receiving the letter. Now I am being told that the cost of reinstatement of the loan will be an additional $3800. This is totally unfair.

We had a house fire. I contacted our mortgage company to get the proper documents sent on 9/27/10. That took two weeks for me to receive it on 10/08/10. Our insurance company sent us a check to pay for the repair of our home with our mortgage company's name on it. Also, I shipped all the documents overnight through UPS and checked on 10/11/10, which cost $30.00

On Friday 10/15/10, a message was left about documents. They were closed when I tried to call back. On Monday 10/18/10, I called about the previous message. They said the contractor had given too much information on the W-9 form. They would send it back and he would have to cross off his Social Security number and initial it. That would take another 5-7 days in processing the claim.

I asked if I could just fax them a corrected form and they said, "Yes." So I did. I called them to confirm that they got the fax and she said, "No." I was apparently given the wrong department fax number and that it would be forwarded in 2-3 business days. I asked for the right fax number and drove the 26 miles again to refax it.

I called again to confirm if they had received the fax and she said, "Yes and now the claim would be processed and the money released in 24-4hrs." That was on 10/18/10.

On Friday 10/22/10, I called asking where it was. Now they said that they had to generate a draw code for my contractor and that it would take another 3-5 more business days. I asked to speak with a manager or supervisor and was told no one was available but some one would call me within 24 hrs.

When no one called me after 24 hours, I called again and asked to speak with a manager. This time, she just hung up on me. We are now behind in our payments and the principle amount that we owe on the mortgage is less than a third of what the insurance check is.

We live in a rural area. The closest place we could find to live in is 13 miles away. We have to drive 26 miles twice a day to take care of our animals. We have had to pay our contractors over $9,000 out of our own pockets for work already completed and now work has stopped because we cannot come up with money anymore.

The house needs to be insulated and all the duct work cleaned and repaired before the heat can be turned on. Winter is just around the corner and who will pay if the pipes freeze and break? The strain from all this is just wearing us down, I just feel beat up and ready to give up.

My story is much the same as what you read below, we got behind on mortgage and called to work out a solution. This was when I was offered the workout paperwork in April/May of 2010 which we completed and returned. All calls to PHH were the same, "We have a lot to process they will be contacting you withing 2-3 days, if not just call back". This went on until we got the notice of forclosure sale (also note we still have not heard anything).

When I got this, all calls to PHH changed little, it was a mistake they will retract it soon, or that the workout would override the paperwork for the sale. Well it was sold to PHH's sister company and I have a notice to vacate. I am talking with a lawyer but being told there is little that can be done.

Never, never believe any story PHH says; they have this down to a fine art and there is nothing that will be done about them. I would like to know who they are paying off to be able to string homeowners along that are making a honest effort to make things right. Yes we got behind. That does not make me less of person. I followed what PHH was saying like an idiot because I felt they were trying to help.

The guy I spoke with yesterday told me what to expect, what documents I need to send them & gave me a fax number to send my finished papers to. I was to receive an email with the document to fill out & fax it in asap! I did not receive the email. Now I'll wait again to see if I receive it in the mail.

This has been so frustrating! It's hard enough worrying about my monthly bills, not being able to find employment & trying to get the help I need to keep my home & get lie after lie from this mortgage company. Can't something be done about this company?

My family has been harassed, violated, discriminated and PHH Mortgage Company trespass the property. PHH Mortgage Company has not taken the proper legal steps to compliance with the eviction process. They send someone to break the lock door and put new one when we were at work. PHH Mortgage have not process the eviction process through the County Sheriff. Neither have I received any eviction notice at all though the county sheriff.

Everything they did was illegal. I called them and they stop for know. I do not know was going to happen next. They are very bad people. My family have been so stress and crying and scare of what they going to do next.

PHH mortgage services ERA Mortgage. If you fall behind for just one payment, they refuse to accept the late payment and will only accept the current due, which in my case began as only two payments. India, Connecticut, and Mt. Laurel actually return your payment rather than post it when you fall behind. Their Loss Mitigation department refuses to get on the phone and no supervisor is authorized to sneeze without management approval. In short, they just don't care about helping homeowners retain their house and reinstate their mortgage. They start foreclosure almost immediately and refuse any type of forbearance agreement. They are the absolute worst.

We applied for a loan modification last year and were told we did not qualify and our only option was a forbearance program. We went on this for six months, paying only 1/2 our mortgage. After it was over, we are now six months behind vs. the 2 were behind prior to entering into this program. We call PHH mortgage everyday and are on hold for over 30 minutes. I sent over 10 emails and get a generic response that someone will call me within 48 hours. Never happens. I reported them to the Attorney General last year.

Morgage payment was sent back to me and they will not accept any payments until all 6 payments are made in full, including late fees. Now they sent it to an attorney for foreclosue, when I never received written notice of this. They refused to tell me this over the phone or in writing.

In March, I was contacted by Jeremiah ** of Lerner, Sampson and Rothfuss, who is the foreclosure attorney for PHH Mortgage. He provided me with the paperwork for Loss Mitigation with PHH. I completed this information and faxed it back to him. LSR is located in Cincinatti, OH. I contacted PHH Mortgage and was told by Markita and Bob that all of the paperwork had been received, and it takes "30 to 90 days to complete a re-modification." I confirmed this with Jeremiah and he confirmed the paperwork was received as well.

I was also told by Bob, Markita, and Casem to keep in touch with them for an update on the re-modification. I contacted PHH from April through today and they still give me the run around.To make a long story short, they messed me around for 6 months and sold my house. I have over 120 pages of emails back and forth from them, not to mention the 80+ calls I've made to them.

Every time I called them, I was left on hold for 50 minutes to 1 and 1/2 hours. Then, when I did speak with someone and explained the situation, they would say, "Let me get someone to help you," and put me back on hold for another 30 to 40 minutes. Basically, they stole my house and gave me the run-around and still continue to do so. From May through September, I called and spoke with someone different. I would then follow-up with an email and every time, I would get the same email, "Dear Valued Customer: Thank you for your inquiry. You will receive a response from one of our Customer Service Specialists within 24-48 hours business hours. Monday through Friday. "

I went through this for 6 months and for 6 months, I would receive an email stating, "Your file is being reviewed. " Then, on September 2, (5 days before the sale date), Collene sends me an email telling me to send them an "Updated file"! This was the Friday before a holiday, yet they tell me they had to have the information 5 days before the sale date, which was impossible because Monday, September 5, was a holiday! I faxed the information first thing Tuesday, talked with Casem, who told me he would send an email to the attorney to postpone the sale.

I spoke with Jeremiah, who told me he received nothing. I called again and spoke with Kim on Wednesday, who said, "I will send an email to postpone when the email system comes up. " This is after I was on hold for 1 hour. I called Jeremiah again on Thursday, who advised he would call them on Friday. Still, on September 9, my house was sold. They (PHH) purchased it back for $40K. I refused to give up. I called and talked with Russ ** who told me they never received the file in March, which was a lie, because I confirmed they had it.

No one can give me a straight answer as to why they "stole" my house. I've contacted the Ohio Attorney General and the BBB.They have been rude, disrespectful, and horrible customer service representatives.

They steal people's homes and lie about it. I've contacted the media, and hopefully, they will do a story on this. They must be held accountable for what they've done to me and many others.

Our home loan was initially owed by Countrywide Loans until it was sold to PHH Mortgage. In April 2010, I left my job due to a disability and informed PHH Mortgage of this and was told to apply for a modification. I was told the process would take 30-60 days. After sending them the necessary paperwork, each time I telephoned to check the status of my modification, I was told they were missing one document to move forward.

When the representative checked their system, the information was indeed scanned into their system under another file. For months when I called for the status, I was told this same document was missing. I informed the representative of where to look, and yes, the document was there. I called for 2 months, twice to three times a week and spoke to several different individuals.

At one point, I was told my modification was approved but no details were put into the system. I asked for a supervisor in an attempt to get this modification moving faster. She assured me that my file was placed in escalation. She would call me when she heard something regarding the loan. As of today, October 4, 2010, I've never heard from her. I continued to telephone the modification department for two months to get the status of my file.

I was then told instead of 30-60 days, it would take 90-120 days. I informed the representative that I was told 30-60 days and I was well past that time frame. She insisted 90-120 days. Still, others were saying the modification was approved, no details. During this time, our mortgage was 4 months behind, late fees accumulating and no status. I telephone Fannie Mae for results. I was referred to a Portfolio Manager. As of today, I haven't heard anything from Fannie Mae.

During the week of September 13, 2010, a payment was done electronically to bring the account up to date. That payment was rejected. PHH Mortgage called numerous times throughout the day regarding that payment. A representative told us to pay $3000 certified funds mailed to his attention and our account would be up to date. That same day $3000 certified funds were mailed to him. He signed for the funds on September 24, 2010.

We received a letter dated September 23, 2010 that our file had been forwarded to an attorney. The representative had knowledge of our payment on the way to PHH Mortgage—why was it forwarded to an attorney? By the way, I've been working with them since late April, early May for a modification due to my job situation. Over the past 4 months, PHH Mortgage had not been helpful. Each time I call, representatives gave different and conflicting information. They always stated the modification was approved but give no details. As of today, October 4, 2010, the only way to be reinstated is to speak to the attorney, which has incurred fees on his behalf. During the month of August, 2010, I emailed a manager and supervisor regarding this modification. As of today, October 4, 2010, I haven't heard from either of them. Today, October 4, 2010, I telephoned with the hopes of speaking to the CEO or highest manager within this organization.

Economic damage: the idea of losing this home while attempting to modify and make payments. They have rejected the payment and referred us to an attorney. Had my job situation not changed, I would have paid my mortgage. There are numerous companies advertising to assist with mortgages and last year I attended a seminar with NACA and completed the necessary forms and was told by NACA that PHH Mortgage is refusing to work with them regarding our mortgage. Physical damage: my health and added stress. I've asked PHH Mortgage to put our late payments on the back end of our loan and to write off our late charges, they've refused to do anything except refer our mortgage to an attorney for more money.

This company continuously lost my mortgage payments and at one point returned payments. I have had this happen to me twice now and this time they have put my home in foreclosure. Being a single parent of 3 jobs, this has put me in a bind. They are requesting $3400.00 to bring my loan current and to pay attorney fees when the truth is they were in the wrong. I had 2 payments which mysteriously showed up 2 days after PHH Mortgage started the foreclosure process! I would not recommend PHH Mortgage to anyone! They are out to get money and that's it!

My mortgage fell in arrearage due to personal hardship. I received a notice with amount needed to cure default, avoid foreclosure, and bring it to current. I sent certified check immediately with amount quoted to resolve it. The check was sent back with inflated amount quoted. Every attempt to settle results in yet another increased dollar amount. It's a total lack of ethical business practices. They have no cooperation to resolve, foreclosure attempts predatory. The assistance or programs to avoid foreclosure, as stated by the government, are non-existent. I sent them the check as requested. They create reasons not to accept. They claim they made errors.

Got a runaround for a year and a half, lied to, ripped off, forcing me to use their insurance. After all this time hassling back and forth, they gave me a 2% discount on my loan. (Big deal.) Crooks and scammers. My principal has not gone down since I started this loan and I'm current on my payment. Where did this money go that was supposed to go toward my loan? Payments-- where did my payment go?

I requested a copy of my original loan documents on August 20, 2010 and proper credit for a mtg payment made on 01-29-2010. My escrow account reflects a negative balance of 827.00 a request to verify the validity of this balance has not been addressed either. My file has passed from Ms ** to Sue ** and now Eleanor ** (800) 936-0718x89209 with no resolution in sight.

The mtg payment that was mailed on 09-07-10 was not posted until 09-27-10 and each month, this company increases its revenue by charging a $35.00 late. This payment was mailed to the Cumberland Ave address in Chicago which is designated to process payments in 24 hrs. The customer service department has been outsourced to the Philippines and I was only able to reached Ms. ** after accessing the internet and using information for potential "investors" in this corporation. The CSRs at the general number are barred from advancing customer concerns up line to management or sharing contact information for the management team.

After being diagnosed with Stage 4 breast cancer and husband's hours being cut made an application for modification under the HAMP program. That was April 2010. To date, we have heard nothing. Call monthly for update and given the same status until yesterday. Told being considered for a short sale. Yes, we put our house on the market when it became apparent. PHH was doing nothing to assist. We are current on payments and have given no indication that we are pursuing a short sale. They have even contacted our realtor without our permission or notifying us. Our realtor was shocked that they would be so brazen. For now, we are managing barely. We are disappointed, frustrated and fearful as to what will happen to our home if we are unable to sell it.

I became unemployed and qualified for the hardship loan mortgage program. After sending in the paperwork and qualifying, PHH Mortgage activated an escrow account and sent a 2nd payment for my home taxes which I already paid in advance then failed to credit my account with my monthly mortgage payment which put me behind and never lowered my interest rate which was the goal in the first place. PHH did everything to benefit themselves with fees but did nothing for me. I finally had to have all paperwork undone as if nothing happened and an apology letter from the President of the company was sent for their incompetence.

I received a notice of foreclosure stating that I owe $1,410.00 and that I am two months behind. I paid for more than half the month of August and half of September. I owe $475.00, and not $1,410.00. What am I supposed to do to find out if they are going to foreclose or if they did not receive my payments through my bank?

I have had the same experience with PHH mortgage. I was told to miss a payment then they will help you. I applied for the modification program after I lost my job. I really asked for assistance before I lost my job in 2006. I was told that there was nothing that they (PHH) could do. I used my IRA to pay my mortgage for several months and I also went back to school to pick up a new skill set to put me in a better position to become gainfully employed.

I explained that my wife is the only one working and I'm picking up odd and end jobs trying to stay afloat. I was sent a Home Loan Modification form and instructed to fill it out and sent it back in the two-day envelope. Three months went by, I got a foreclosure letter. I then called PHH and they instructed me that the foreclosure cannot happen because I was in the Home Loan Modification program and I was still under review.

I called every other week to calling every week to check my status. Then I was instructed to fax PHH Mortgage my wife check stubs for three months and checking account for three months. Then the hurry up wait process began. Sometimes 30 to 60 minutes at a time from being transferred from one person to another. Now seven months of "under review" has passed and I received another foreclosure letter.

Once again I contacted PHH and I got the same response. Two days later I received an enveloped from PHH with another HAMP form and a denial of the program because, the lack of documentation. It did not indicate which or what documents were missing. I called and was told that they had problems with their system.

I received that package by mistake. He is going to escalate this to management on Thursday. I called that Friday and spoke with another representative and he said the exact same thing, that he going to escalate to management. Well at the end of all the waiting, faxing, phone calls, and lied to by PHH. They foreclose on my house and now it's in the hands of Fannie Mae. Wow, let's see if they will bail me out? I have a daughter who is a junior in college trying to work two jobs and maintain a 3.2 GPA. It has put a strain on my marriage and more gray hair for me. It's hard for a 44-year old man to find a job to pay him what he's worth or better yet, enough to maintain his family.

Having filed bankruptcy in 2006 I had fallen behind on six payments to PHH. The chapter 13 protected my home from foreclosure but I still had to pay monthly mortgage. After coming into some cash this year I finally paid PHH $24k in arrears and they told me they would reinstate the mortgage. The next month, I went to pay and they told me I was in default of my mortgage and they would start foreclosure proceedings. I was flabbergasted. I told them on several phone calls that I had paid all the arrears but according to their records, I was still 7 months behind on the mortgage.

I called my lawyer and she tried to contact the lawyer for PHH. Three months later and I have not been able to make a payment as they reinstated the mortgage at the amount that was owed when I filed for bankruptcy. This is the most backward mortgage company I have ever had to deal with. I have faxed them the payment documentation five times and they still can't get their figures right. I will now try to sell my house so I can pay off PHH and never have to deal with them again.

We applied for President Obama's HAMP Program through our attorney. We were accepted and qualified. We received our Proposed Agreement from PHH Mortgage by UPS to our home on August 6th 2010. Upon opening the packet we read through the entire Proposed Agreement.

The agreement in the very 1st paragraph read we had until July 31st 2010 to respond. The proposal was dated July 16th 2010. My question at this point in time was how is a person supposed to return the proposal by July 31st 2010 when we did not receive it until August 6th 2010? I then tracked the package to see the date of shipment, PHH shipped the package August 4th 2010. This gets better upon further reading of all the contents in the package; it clearly stated if the package was not returned by July 31st 2010, the entire proposal would be void. The proposal also contained $11,143.18 in fees, not including another $1132.78 in late fees due immediately in Certified Funds along with all the documents notarized and signed before two witness that could not be friends nor relatives to the borrower or co-borrower. The offer, I might add, also clearly did not follow the HAMP guidelines which clearly states our new mortgage payment including taxes and insurance may not exceed 31% of our gross income.

Yesterday, Aug. 10th 2010, we received a notice from Trott and Trott Law Firm that a Sheriff's sale of our home was scheduled for Sept. 7th 2010. This is just 2 business days after receiving the Modified Mortgage Proposal from PHH Mortgage. PHH did not even allow us time to respond in their prepaid 2 Day Service Return Envelope.

We have been attempting since February of this year to resolve our Hardship Case which we clearly qualified for with PHH Mortgage. Through their incompetence, and their clear attempt to just foreclose on the property which we have made perfectly clear we wish to keep, is now in danger of being lost.

My question to the President of the United States is this, who is monitoring your bailout program to insure that these financial institutions are following all the government mandated guidelines? PHH Mortgage, in my mind, definitely needs to be investigated by the Federal, State and Local Authorities as to how they are forcibly taking all of these properties.

My self, wife and our four girls moved into this 3 bed, 1.5 bath home in 2006. We are very pleased to have a 6.75 rate on a fixed rate for 30 years. Here it is 2009. Hud had decreased when Mercedas plant shut down so I applied for a mitigation. I got approved in November 2009, I sent the 1st payment in but it was a couple of days late since my father was killed in a car wreck. Someone hit him from behind, his truck flipped and landed on him killing him on the impact but I called and told them that I was sending in the payment in the next month. We sent the payment.

So this is on November, December and January. February come and we got a letter saying our payment is supposed to be $619.30 but we had been sending in $617.80 on the forms. From being approved for this mitigation, now they are telling me that I'm 4 months behind and to send in $$$$.$$. So I'm like I have my proof from Western Union. Do I need to send the proof? Well, I did this and they claim they couldn't read them so I copied again, send in the mail and faxed again. Still they claimed that they didn't get them so I did it one more time and they said that they got them but now it's more months and they are saying that they don't have funds where I sent the money and they are like well why these receipts say it went to PHH in such and such.

So in May, we started getting checks in the mail, one after the other but they ended up last month of June. I am sending this to an attorney but at the time in March, we applied again for a mitigation because I was diagnosed with MS December 2009 so my income was down to short term a week and it was and still is hard because they told me that my case was in review. But I got a letter form from the attorney about foreclosure and they sold my property back to PHH even after knowing that it was being reviewed and this was on July 19 when it was sold. Every time we call in the run around, I'm on hold for 20-30 minutes then they tell me that it is the wrong department. I need to speak to Reo and I leave a message, message, message and message and to this day, I've been leaving messages and no one has returned my call. I leaved a message and in 24 hours, someone will call me back.

But I'm under so much stress and it caused me to have relapsed. So today, you can say for the last 3 days, I went blind again with MS from being stressed out. I just want to know my status so I, my wife and our four girls could live a little stress-free. Even with telling them over and over again about the situation of his hardship, we don't know what to do from this point but I have over 13 people's name and numbers I've left messages with and no one returns a call. If you get one that don't speak great English, they get mad if you ask to speak to his/her supervisor and will tell you to hold on while they transfer you and you will never get no one but a recording saying leave a message.

They really need to have an investigation done on this company because it's like they don't really give a care if you are in a home or not but you will look at it as if they are going thru bankruptcy and that's why they don't really answer or return calls so after reading all the other complaints, I see that I'm not alone. It just hurts and don't know what to do from this point since they sold my property on July 19th and sent the letter to me on the 20th. The attorney for them doesn't answer her calls either or check her voicemail so it's like I'm just in the middle of hay pins now.

What am I to do? Is there a help or not? Due to being stressed out, I have had 4 more relapses. I lost my vision in my left eye and my movements are leaving with pain and stiffness. My kids are so stressed and worried because they know that something is going on. The people that work for Hud came taking pictures of the home while we are in the home and my girls just cried wondering what is going on. Do we have to move or are we losing our house?

I applied for a mixed use mortgage refinance which they pre-approved. Then they informed me later that they (PHH) mortgage representative made a mistake and they don't even offer that type of mortgage. They charged $500 to my credit card and refuse to return it. Unbelievable! They will not return $500.00. They don't return phone calls. When reached on phone, they're taunting me telling me nothing I could do about it.

Over 3 years ago, my husband took two pay cuts. Then he lost his job when the plant he worked at shut down. There are not many jobs available in Northern Minnesota at this time. He qualified for a government program for displaced workers that paid him unemployment and for his schooling as long as he went to school full time, received good grades and didn't get a job. He entered a 2-year Robotic Tech Program. (We drove 1-1/2 hours there and back during the week). During this time, I have worked part-time as a registered nurse, but I have mostly tried to be home with our four boys. We applied three different times for the loan modification program at PHH Mortgage. Each time, they never got back to us. If we inquired about the processing of the paperwork, we were told it can take up to 90 days to process. Each time we were eventually told by phone (after first inquiring) that we didn't qualify. During this time frame, we were always behind, trying to catch-up.

After cleaning out our 401Ks, and getting behind in our other bills, we had always end up catching up. We even had a sheriff at our door one time informing of the impending sale of our home. At the time we had the money, but it was in our 401K. Because we only had a letter informing us of "impending foreclosure" we were unable to get the "hardship" money out of the 401K. We were told to wait and let the home go into foreclosure. Then we were able to get the money. That had been a nightmare in itself because like others have reported, it is horrible to try to talk to the operators at PHH.

Most of them are rude or barely speak English, and all you do is repeat your story. At the time we explained we need a letter stating that we are in foreclosure so we can get the money to pay them. (You think they would have been a little more helpful). This whole process took about 2 months. They were also having problems with their computer they claimed, so information was not ever getting passed on. By the time we could send them the right amount plus all the late fees, there were also lawyer fees. We ended up reporting this to the Attorney General's office, who helped us waive the lawyer's fees, but it's the principle of the matter.

Why couldn't they have just worked with us? Reduce our payment even temporarily until my husband got a job. I wonder if they even know what kind of a business they work for. At the end of each phone call they always ask why we're behind in our payments. "Because my husband lost his job." They should have this info on record by now! How many times have we gone over this?

We built this home from scratch on family acreage, we are not giving it up without a fight, but who do you fight? You cannot talk to anyone who knows anything or can do anything. My husband got a great new job now in another state. He will have to pay rent for his apartment ($600.00/month) and for gas to come home each weekend (if he wants to drive the 8 hours there and back). It's around $200.00 a weekend. We were told shortly after he got his job that we would probably qualify for the loan modification program now! Now that he has a job, we may get some help! Of course we applied again (for the 4th time). We are still behind on all our bills because of him being out of work for 2 years.

We turned in all our paperwork and then some. My husband just recently asked about the progress of the paperwork and was once again told it could take up 90 days to process. So we waited. My husband had asked them, "Why does it take you so long to process the modification paperwork, but with the foreclosure paperwork, you're right on top of?"

I just received another letter from PHH, informing me that I may qualify for the loan modification program, all I need to do is send in. Are they for real? I just sent in all that paperwork 2 months ago! Something has to be done about this company. This place is a joke. I heard they actually get reimbursed by the government for any foreclosures. No wonder they are so quick to foreclose. It's no skin off their backs, if anything, they make more money then! There are so many hardworking people losing their homes because of layoffs and the economy right now, and PHH is just scavenging off other people's misery! How many complaints must there be before something gets done? Who do you complain to to get something done? From a very frustrated, hard-working mother in Minnesota.

We no longer have money left in our 401K accounts. We are always behind on all our bills just trying to keep the ship afloat. We are always stressed and depressed! We also live in a small town, so everyone knew our home was in foreclosure, they have it right in the paper! We were like, "We are not losing our home, we have the money, it's the lack of communication!" Plus, it shouldn't be anyone else's business. Why do people read them, anyways? I didn't even know it was in there until someone else told me!

PHH Mortgage Services is ignoring their pleading clients by not responding and not moving these files forward deliberately. I began in Feb. 2010 with PHH to try to receive a restructure on my house payment. After suddenly becoming permanently disabled, my income was $30 short of my house payment and I still had no other money for my medications. I have logged 100's of calls to them. I am always transferred to an entry level, hard to understand agent that cannot do anything but tell me my file is in "review". After several months of calling every week, I finally got a rep who told me I didn't qualify for the Obama program. This denial was noted in my file three weeks prior. No letters in the mail from them, no calls at all while I remain hopeful for months.

I got a hold of a really helpful and nice rep who seem to be very knowledgeable about the process and options. She suggested we send my file over and apply for their in-house restructuring program. She was assuring that it would not take the usual 90 days since they have already reviewed and investigated me for the Obama program. This was in April. I received my yearly statement as usual from PHH and since my taxes were reduced, my loan payment was going down by $33 in May. Every little bit helps.

It is a few days to August. So far they have taken the higher amount (old tax calculation) since then. I have called many, many times and they state they will not return the overage to me, they will apply it to the principal. I need it back. They tell me that is not possible. Each time, they have taken the amount I used to pay and not the amount I owe I call and after 1.5 to 2 hours on the phone, I am told it is corrected. The next month, they again take more money out than I owe. I would think it is unethical to take more than I owe each month and continue to do so while refusing to return the money they took that I didn't owe.

It has been so hard to pay this payment. I have borrowed from everyone each month just to make the payment so I can keep current while they are reviewing me for a loan restructure. But after 7 months of no response, no assistance and no progress, I am ready to just lose the house. I have even contacted an agency that helps mediate hope. They contacted them. Nothing has helped. I get calls and letters regularly each month stating I am going to face foreclosure because I have not paid my mortgage and I need to do so immediately. This is so cruel and unjust. I have paid every month on time. They have me stressed and pressured against the wall.

PHH Websites states: "We're committed to excellent service, and we have the track record to prove it." and "We're committed to excellent service, and we have the track record to prove it." This company gives anything but service. They don't even offer bad service because they offer no service. I emailed the Chief of Lending, no reply. PHH Mortgage Services has caused me so much stress and hardship. While all the time, effort and energy I have spent with no results. In addition, they have caused me financial hardships due to them taking more money each month than I owe. PHH is negligent by not offering their customers some communication and resolution in a critical and desperate time in their life. Rules should be in place to protect the consumer from these unethical practices but the company which has them back to the wall (the one holding the deed to their home).

Was led to think I was working with them for a Loan Modification, for the past 14 months when they were leading me into foreclosure. All they ever did was keep requesting more and more paper work with no results. On July 6, they sent a letter telling me to contact their foreclosure lawyer and they could no longer talk to me. On July 13th, I received a cold call from Mortgage Foreclosure Experts saying I should call them because PHH had no intentions of helping me with my mortgage. They had plan to let my home head into foreclosure to make a profit.

This company had my phone number and mortgage info, without me contacting them in any way. I believe this is something set up by PHH mortgage company. The law firm that they used does not talk to you. I have to submit all request or questions by e-mail or fax. Having my stress level run through the roof, with always trying to meet there demands for paper work and info. Now needing to contact and pay a lawyer to try and save me and my families home.

I have been trying to modify my mortgage since 11/2009. Eight months have gone by and every time I call, I am told a different story, including they fired the whole processing department and put in place a new group to expedite the process. I have been told numerous times they will escalate my file and then I call back and nothing is ever done with it. I was told not to worry about late charges; they would be taken care of with the modification. I was never more than 1 month behind, but I get a notice of intent to foreclose and was less than $500 behind on a $1200.00 a month payment. I even have our local congressional office calling and getting the same story. I have sent bank statement 4 times because they say they are too old. I am constantly jumping through hoops for nothing.

The stress of all of this as well as closing my store due to the economy has forced me into bankruptcy, and to top it all off, I have a sinkhole that has caused damage to my home. And they are giving me the run-around to get the check cashed to pay the workers that are repairing the home.

We purchased our home in 2002 thru USAA/PHH mortgage. In 2005, we had to declare bankruptcy thru a series of misfortunes. The bankruptcy was finalized in 2006, and we realized that even though we were making our house payments on time, they were not being reported to the credit reporting agencies. We contacted our attorney and the mortgage company numerous times, and even filed a complaint with the BBB. PHH has steadfastly refused to report any of our on-time payments for the last 5 years, hurting our credit score. We finally managed to get a refinance just this month, so that a new mortgage company can start reporting our payment history. PHH says they will not report our payments until 2012.

Our credit scores have been damaged; our bankruptcy attorney insists that he sent paperwork to PHH to see if they needed anything concerning the bankruptcy, but they never responded. PHH insists that they never received anything formal from our attorney (although they knew of the bankruptcy), and therefore do not have to report our payments. It has been very painful.

Just like all the others, we have danced their dance and jumped through all their hoops and now after going on 14 or 15 months of trying to get an answer on the loan modification we requested, have been served foreclosure papers. I was just on the phone with them lat night (06-22-10) trying to get an answer but yet to hear from them.

A week ago they said they would mail me a letter stating what is still needed for them to make a decision. This, mind you, after we were told on April 2, 2010 that they had everything they needed and would have a decision within 60 days. What a joke this company is. At one point we tried to make partial payments and they would accept them. We are at our wit's end as well.

In my last conversation with them last night, I demanded an answer and asked about the deed in lieu of foreclosure as we are ready to walk. We don't know what else to do. In any case I got transferred to the manager in charge of our case (Carmen) and got a voice mail and haven't heard a thing from them.

What do we do now, we have less than 20 days to answer this foreclosure thing and don't even know what were supposed to do. We don't have money for an attorney. This company needs to be shut down. It's the worst company we have ever dealt with.

I began to experience financial hardship early in 2009 due to reduction in income after there was a decline in business earning. I have submitted a package to PHH in September of 2009 seeking assistance for a loan modification.

I continue to pay my mortgage up until October of 2009, when it became more difficult to maintain payment at the current rate. I was informed it would have taken 3 - 6 months for a decision to be taken. The first notice I received indicates that I have refused the trial modification offered to me. At the time I received the notice, my documents were in their loss mitigation department.

In January of 2010, I send in two months payment and this was returned to me. The reason given is that this was insufficient to cover the default. At that time, my mortgage was 4 months late. Had the payment been accepted, I would have been two months late instead of four. Had the mortgage company worked in good faith, I would have granted a loan modification.

I was later denied for the HAMP program. The reason given is that I was not living in my home. I had no idea how they came to that conclusion as I have always lived in the home. In August of 2010, I was denied again for the HAMP program. The reason given is that my monthly gross income is $1,489.58. This was inaccurate and they could not provide any document to substantiate this amount.

About a week later, I was told I have insufficient income and they are denying me of all possible loan workouts. This decision was so unfair to me. I have owned the property since January of 2005 and I have never owed any mortgage and PHH was not even prepared to give me a chance to save my home.

In February, 2009, we contacted PHH to request for a mortgage modification. At that time, we were told that we did not qualify for a modification because we were not behind on our payments. Over the next few months, we continued to struggle to make our house payments and continued to seek assistance in the form of a mortgage modification. Every request we made resulted in different instructions from each customer service representative, but no resolution.

One recommendation given by a PHH customer service representative was to fall behind on our payments. They assured us that if we did that, then we would qualify for a mortgage modification. So we stopped scraping to make our payments. After a couple of months, we received a nasty note saying that PHH was going to start foreclosure proceedings if we did not catch up on our payments, so we took out a loan against our 401k to catch up and, still, PHH would not work with us on a loan modification. Although paperwork was requested and submitted, every time we called to follow up, we were told to wait another for 30 to 45 days. Thirty days after submitting the paperwork, we were still being told to wait for another 30 to 45 days.

In December, 2009, realizing that our financial situation was getting worse with no end in sight, we decided to seek legal advice. Based on that advice, we decided to put the house on the market as a short sale in January 2010. At the time, the house was worth almost as much as we owed on the first mortgage, so it was a great option for PHH to recover the full amount of the loan. We had five strong offers within three days of listing the house. However, we again ran into the same problem we had with the modification, with no help and no communication. We were repeatedly told that the file is under review.

We continued to pay the utilities, the gardener and the pool service hoping to short sell the home in turn-key condition. However, making those payments put us even farther behind on our other debts, and were ultimately forced to shut off all utilities and cancel the upkeep of the pool and yard. Today, 6/9/10, per the advice of legal counsel, we contacted PHH for instructions regarding voluntarily surrendering the property. Rather than providing instructions, the customer service representative said they did not know what the process for surrendering the house was, while relentlessly insisting that the short sale is under review.

They won't even work with us when we offer to give them the house.

I have a mortgage through PHH and I have had my home on the market for more than a year. I have had 4 offers on my house and PHH has failed to get the papers together for the sale to complete. The market is bad enough without a mortgage company not doing their job. I have left many messages. My realtor has left messages and my contact through Freddie Mac. They won't even talk to them. I guess once you pay PHH so much money on your mortgage you become a nobody. Before my husband died five and half years ago I promised him we would never lose the house. I am living with my mom who is 80 and has many health problems. But I guess it doesn't matter. After all I'm just a nobody to PHH Mortgage. I have lost the 4th buyer as of June 8th. I will have no choice but to foreclose on my house. The one thing I promised my husband I wouldn't let happen.

I was forced to do a Ch. 7 Bankruptcy in 2008, and my mortgage was not included in the bankruptcy. I have paid it regularly since the BK, and paid extra fees to get the mortgage back on track (they won't let you make payments until the BK is settled). When I checked my credit reports, I find that all of them have been told by PHH that my mortgage was written off with the BK and that I am not making any payments, etc. This is totally false and it is totally ruining any chance I have of getting back on my feet. I have filed complaints with the all 3 credit bureaus and they tell me that I have to get it fixed with PHH.

I emailed them and was told I had to call 1 (800) 330-0423. I tried several times. Each time, I have to listen to a machine for 10 min. giving options for this and that. Then I punch 0 for a CSR and I sit forever and nobody ever answers. The one time somebody did answer, I got some idiot from India who couldn't speak, let alone understand, English. All I want is for them to correct the 3 credit reports to show that the mortgage wasn't written off with Ch. 7 and that I am currently paying and up to date on the mortgage. If they can't do that, take the stupid entry off all together and don't report anything. The BBB rates this company high. Frankly, I don't agree and I will be glad when I can refinance this thing and get away from them. I will never deal with them or ERA mortgage again. They are trash, a company that hires idiots from another country is not worth dealing with.

All I have asked for is that they either remove the Ch. 7 remarks, or at least report that I am making the payments. What is so hard? They are screwing me over just to keep my 7.6% interest rate. That shouldn't have happened either. At closing, they hit me with the higher interest rate and a demand for several thousand dollars more than what it was supposed to be, because "they made an error when they were calculating the fees, etc." I had no choice but to pay because I had nowhere else to go and they knew it.

I can't get my loan refinanced with another company for a lower rate because their reporting is lowering my credit rating. I am also being overcharged for escrow money, both of which are putting me in a danger zone. I can't afford to keep this up. I have struggled for 6 yrs. to keep my house and at the rate things are going, I will probably be in foreclosure before the end of the year.

I lost my good paying job in August 2007 in Real Estate with a builder and took a much lesser paying job later to try and support my family. My wife and I fell behind in our mortgage payment starting in April 2009. We begin to receive letters for payment, which we were not able to make while we were trying at the same time to sell the home. No luck in selling the home on the market for 18 months. No offers until a short sale offer that came in April. PHH mortgage said once an offer is submitted, a negotiator would be assigned and that your court sale date would be extended to complete the sale. PHH said to call them 5 days before the court sale date and we did, only to have another person in that company tell us call 2 weeks prior to sale date. They do not know what they are doing!

PHH Mortgage gave us the runaround so many times it's not even funny. Call this number and it does not even work. They lied about the negotiator and they misrepresented their own practices. We have a fair price offer to sell or negotiate and they have done nothing. No response to the offer even after they said an answer on the contract would be within 30 days. My home as of 5-20-10 is in foreclosure and has been bought by the bank. You call this helping the people save their homes. The attorney general of that state NJ should investigate this company and shut them down. Is this what our bank bail money is doing? Incredible!

I tried to make a modification and they told me that I can enter HAMP. I entered in a trial period and then they denied my application. We made all the payments on time. They said that now we have to pay them $13,000. We don't understand where they come from, but anyway, we signed an agreement to pay it in 15 years (saver advance program). I tell you again: We make all payments on time. Today I knew that they reported me to the credit bureau! I called them and nobody has any answers! Any attorney can help me please? In Spanish the better! I am very worried. I have high pressure. I am being victim of the incapacity of this company. I have all the proof that I have never been delayed in the payments and now my credit has been ruined by them.

In Aug 09, I received an automatic payment agreement from PHH. From then on my payment would be deducted from my checking starting Sept 10, 2009. I set this up as I would be unavailable to make payments personally due to other commitments. They never took out a payment, never sent me a statement or bill, but rather sent me a letter dated Nov. 20, 09 stating at my request that the auto payments were suspended. I never made that request.

Due to my absence, I did not actually open that letter until Jan 2010. I also started receiving default letters in Jan 2010 which prompted me to call and find out what was going on. I got many different stories and no answers. So I asked for a statement which as of May 2010, I have never received. I have continued to pay with no idea what kind of fees I have racked up, what my balance is etc. because all I have ever gotten from them was a default letter. The collection office and the customer service office are not communicating, and they both promise documentation and never follow through. If this company is an outsourcing resource for other banks, then I highly suggest that any bank that values it's customers look elsewhere for a service provider as this company is disorganized, unprofessional, and nothing more than a poorly run telemarketing house.

As a result of their negligence to provide services provided my husband and I's credit is damaged, and we can't even consider switching lenders as a result of it at this time. I have filed a complaint with their complaint department, but got a letter denying my complaint with reasons listed having nothing to do with my complaint. We have been offered a new job out of state but with our current credit mark from them we know we couldn't get financing until this is cleaned up, so we are stuck.

I filed for Ch. 7 in 2008 due to CC interest rates being raised from 9% to 33% (couldn't afford to pay that!). The house was not included in the BK and I had to pay extra fees etc. with PHH after the BK to get things back on track. 4/10 I checked the 3 Credit Bureaus and found that PHH is reporting my mortgage as "Current Status - Account Included In Bankruptcy; Type of Loan - Conventional Re Mortgage; Whose Account - Individual Account; Additional information - Bankruptcy.

Chapter 7; Bankruptcy Discharged; Consumer Disputes - Reinvestigation in Process". They also show no payments being made. I filed complaints with all 3 CBs was told had to get PHH to fix. I emailed PHH, was directed to a 1800 # after 10 minutes of listening to recordings. I finally get to ask for a real person. I have tried several times to get to someone and I just sit and wait and wait and wait. I finally reached someone one time. Somebody obviously from India or some such area. Didn't understand English let alone speak it. Gave up. Have now filed a complaint with BBB - am going for Attorney General's office next. This is causing my Credit scores to dive each month because it looks like I am still delinquent (and it makes the total on the BK look 20 times larger than it was. I can't refinance, can't get decent interest rates on car or house even if I do find somebody who will refinance. This is killing me financially, which negates any benefit of going through the BK to "start over."

I am writing because I think the mortgage company and loan modification mediator treated me unfairly. I had been requesting a loan modification for several months. Trying to finish graduate school for a better life for me and my son led to a brief decrease in income. I waited months for the mortgage company to tell me if they were going to approve a modification.

On 3/9/10, I received a phone call from Mr. Mark ** at Mortgage Foreclosure Experts (MFE) stating that I definitely qualified for a loan modification and he could help. He told me that he was an attorney and we could submit another loan modification request. I also needed to give Mortgage Foreclosure Experts one month mortgage payment in the amount of $1,233.33. This was so PHH Mortgage could see the amount. I wanted to keep my home so I sent over everything he requested, including the $1,233.33.

I received a loan modification proposal from Kimberly at PHH Mortgage. The letter was dated 3/24/10. Kimberly called me on 3/25/10 asking me what I wanted from the mortgage company. I told her that I would like a lower monthly payment if I could get it. We reviewed all the information I sent over and she told me that she might be able to lower it but if she did, it may not be much. She never gave a definite answer as to whether or not the loan modification was going to be approved. I asked her about the foreclosure date and she told me 4/6/10.

After this conversation, I emailed Mr. ** and told him that the conversation did not convince me that the mortgage company would approve the modification. Mr. ** spoke to Shapiro & Weisman, L.C. at 13801 Riverport Dr. Suite 502 Maryland Heights, MO 63043 on 3/25/10 and the attorney stated that the foreclosure would be postponed. The foreclosure was supposed to be postponed because I still had a loan modification request pending.

I received a loan modification proposal from Kimberly from PHH Mortgage, Lost Mitigation Department, 2001 Bishops Gate Blvd. Mt. Laurel NJ 08054 in late March. It stated that my new monthly mortgage payment could be $1,197.40 if I sign the enclosed documents and send in a certified check in the amount of $1,347.29 by 4/14/10. I faxed the information to Mark ** at MFE. He told me to go ahead and accept the loan modification. I wanted to avoid foreclosure so I did everything. I had the forms notarized and sent in the certified check on 4/9/10. The mail would arrive in two days.

The home still foreclosed on 4/6/10 despite MFE telling me that the foreclosure was postponed. In addition, Kimberly called me on 4/21/10 stating that she assumed I did not want to keep the house. She said that according to the recorded conversation on 3/25/10. I was totally confused. How could she think I did not want the house when I sent in a loan modification request twice? I also used all the money in my savings to do this modification. She told me that I could rescind the foreclosure but I would have to pay an additional amount. She never said what that was, but why would I have to pay another dime to reverse the foreclosure when she sent out a modification proposal to have everything sent in by 4/15/10?

If she knew it was going to foreclose on 4/6/10, why would she state to have everything turned in by 4/15/10? I could not trust these people to give them another nickle. I have had people come to my house to change the locks and board up the house. I have to get out of the house by 5/2/10. I have not received the money I sent to PHH Mortgage or MFE. I really need the money to move. Mark ** will not return my calls or emails. Kimberly stated that she would return the money, but I have not received anything yet. I feel like I have been preyed upon and scammed. Thank you.

We are writing this letter to put a complaint on the bank PHH. Unfortunate set of circumstances have caused us to become delinquent on our mortgage. The main reason which has caused us to be late on our mortgage is because our household had a decrease in income we have done everything in our power to make ends meet but unfortunately we have fallen short and would like PHH to consider working with us to modify our loan. Our most important goal within our family is to do all possible to keep our home and I would really appreciate the opportunity to do so.

They are not honest with their words nor is it true that there is such program to help you to negotiate with them. They just wanted you to be in the house without paying the mortgage so it can go in delinquency and they can just find a buyer and get it on for the Sheriff Sale. I'm trying to do everything in my power to be able to keep my house and PHH Mortgage is apparently trying to use all their non-compassionate power to stop me from accomplishing it. PHH is not trying to help people in foreclosure. It makes me really mad that there is a mortgage company out there just taking people's houses.

I wanted to speak to someone in the bank concerning the negotiation and they just put me through a collector. Also the staff refused to let me speak to anyone else that the collectors and after the sheriff notice one day before, the negotiator wanted to speak to me. They decided to call me. I told them I had a special needs living with me and their answers was, "I do not want to hear anything about your family situation. I want to know when you are going to give me the money and you need to give me 70 % of what you own and you need to give it to me today."

I told the negotiator we can we work on an agreement to put what I own after the 30 years of the loan and start fresh. The negotiator said, "No, I want the money today." I told her that this is the first time the bank is negotiating and why they are negotiating when I received the Sheriff Notice. I told her it's not fear at all. No compassion whatsoever. No compassion for the low income people and the special need patients. And then we say why in the world bad things happen to people. You know why? It's because people like PHH and their staff. I hope with this letter someone may be able to read and have some compassion for humanity and unfortunate people like us that just want to live the American dream.

I called PHH Mortgage to request a monthly interest and principal and tax and insurance breakdown in order to make an interest and tax and insurance only payment on four mortgages and I was provided an annual interest amount that was divided by 12. I sent in four interest + tax + insurance + approximately $30 for principal payments for four separate mortgages. PHH refused to accept any payments at all and held all of our payments in suspense and added late fees and immediately reported all four mortgages as late to the three credit reporting agencies. I called PHH to verify what they were doing with our funds and after getting transferred to three different offices around the world, starting in Manila PI then India and finally to a New Jersey office, I was told PHH could not accept any payments unless they were full PITI payments. I requested to be connected to the actual investors that owned the loans and deal with them directly. As I explained, if I were an investor, I would rather have an ongoing interest tax and insurance payment deferring a portion of the principal rather than nothing at all.

I was told by PHH that they could not provide any information concerning the actual investors of my loans and if I needed further information to have my attorney subpoena the information requested! I then spent over a month with numerous PHH representatives including loss mitigation department that sent me forms to submit for modification or other options. We submitted those forms, but never had any response at all. I finally insisted on one PHH supervisor to be assigned to my four loans and I was then provided with Ms. Ruth ** of PHH who sent me a couple of written responses stating in writing that PHH had sold 4 of 11 loans in question and had transferred two loans and had closed the remaining 5 (one for a property we did not even close escrow on! This loan is still listed on their 800 # even though it was never signed by us). She stated no other information would be provided without a subpoena from our attorney.

Her last written response to our QWR was that she was no longer assigned to help me, because our case had been turned over to the PHH president after they received our certified QWR request for information. The only response to our QWR was a short letter with photocopies of the deed and notes but no proof of the original notes, nor any chain of custody for who the actual owner/holder of the note and beneficiaries actually were. They only responded with "most of the information was outside the scope of PHH as a servicer of the loans and no information was available or required to be provided for the transferred and closed loans". PHH then hired a foreclosure mill attorney law firm Shapiro to commence foreclosure actions on all four loans that they admit they only service but have already been paid in full as they were sold!

The foreclosure notices claim the attorney has now been assigned as the trustee with direction to foreclose and sell these four homes at auction by "MERS" the beneficiary as "Nominee" for PHH. This means that PHH, who has no money invested in these homes is instructing "MERS" who has never invested any money into or received any money out of these homes, is attempting to claim title to my homes without any standing or authority!

PHH has refused to provide any chain of custody information that would reveal who the real lender/investor/s and true beneficiaries of these loans really are. Instead they are stealing homes through their foreclosure fraud scheme to then add to their bottom line again even though they have been paid in full not once, but twice or who knows how many times they have sold the loan to other investors? PHH has also violated RESPA and TILA requirements by refusing to provide a full and complete response to our QWR and reporting more late payments to the credit agency before this dispute has been resolved as required.

I went to pay my monthly mortgage which was $1321.18. To my surprise, when I opened the envelope I about died! My mortgage had jumped to $1,663.25! I am a divorced school teacher that had open heart surgery in 2003. I don't smoke or drink. There is enough stress involved here to get me back on the operating table, under the knife again! I had never missed a payment.

I was told that there was an escrow shortage in my mortgage and I would have to pay the extra amount. I simply told them I couldn't pay such an exorbitant amount. I am working with foreclosure specialists and loan modification negotiators, but PHH simply will not talk to them or cooperate in any manner appropriate. All I want to do is get back on track, make payments that are affordable for me, and get on with my life. I am 56 years old. I'll never be able to own this house, that by the way my ex-wife wanted so badly (she lived here a total of 3 years, but I was married for almost 20 years). I have many bills, drive almost a hundred miles a day to and from work.

I have 3 kids. One in college that I had to take a loan out for. I have a car payment, plus I pay $200 a month for my kids that, by the way we have joint custody of. I'm at wits' end! These are supposed to be my golden years, yet I find myself weeping nearly on a daily basis! There should be something that all of us PHH sufferers can do about this horrible mortgage company! I am prepared to fly to New Jersey to beat down PHH's doors to negotiate a civilized solution to mine and countless other good taxpaying citizens, facing a similar dilemma involving PHH Mortgage!

After lengthy delays, my mortgage originator (United Teletech Federal Credit Union) and the closing company produced a contract for a mortgage refinance with PHH mortgage under the Home Affordable Refinance Program on 28th December 2009, signed on the 30th. This contract did not include a requirement for escrow holding for either property taxes or property insurance, among other errors of calculation admitted by the closing company.

After the mortgage was entered into the system and I began making automated regular payments, PHH contacted United Teletech, who then contacted me to say that "a mistake was made", explaining only that PHH required them to retain escrow funds for both, and they would now have to change the terms of the agreement. When I pointed out that I had already contracted for homeowner's insurance, they seemed to back off, but insisted I make arrangements to pay for escrow of my property taxes. As far as I know, there is no legal requirement for the property tax escrow; it amounts only to an after-the-fact demand from PHH, which seems suspicious and arbitrary.

I pointed out that the legality and justifiability of changing the terms of a signed mortgage contract was questionable; and that the survivability of other terms of the agreement (eg, rate, which has now gone up) was not clear, so attempting to change part of the agreement could jeopardize my mortgage interest payments as well. The other point is that, had they required this in the original contract, this amount was to have been paid in 2009, and it is now 2010, so it would not be applied to the 2009 tax year. I'm not sure if it makes financial sense to seek private legal counsel on this, but I'm wondering if you know of any public legal authority who could help advise me on this. Thanks in advance for any suggestions you can share. Threatened requirement of payment for escrow

I am in the process of refinancing my co-op apt. All the paperwork was submitted prior to my rate lock expiration. The loan processor and the underwriter did not know what one of the forms was which was the Aztech Agreement. Two days prior to my closing date, I was informed that paperwork was still missing. The underwriter and loan processor did not realize that the Aztech Agreement was the form that they thought was missing. When I was finally able to convince the loan processor that the Aztech Agreement was the missing form, the underwriter still did not feel the application was complete and I was unable to close. Additionally, I had the bank's attorney try to intervene with no results. I am now locked into to a higher rate and I am still unsure if the underwriter will accept the paperwork that all other parties agree is correct. I am now locked into a higher interest rate for 10 days.

PHH Mortgage Company has no integrity. Although I have a fixed rate, they consistently find ways to charge me fees and fines that are apparently for Escrow. Their web site is terrible, and trying to resolve anything with them is a cat and mouse chase. I highly advise anyone to not obtain a loan through this mortgage company. Thousands of dollars I've lost thru the unethical practices of this company, in addition to the time it will take me to resolve this dilemma.

I bought my home in 2004 and in 2006 refinanced to eliminate the ARM. PHH Mortgage bought my mortgage. In 2008, I realized I would soon be in financial difficulty and closed my small business and began looking for a job. Living in a small mountain town in Colorado, jobs were even then hard to come by, so I moved to Alaska seeking work, leaving my home temporarily vacant. In February 2009, I applied to PHH for loss mitigation, submitted a ton of paperwork and waited. In mid-May, I finally received a response and was told, after many phone calls and emails, that I did not qualify for assistance, that my expenses exceeded their parameters, and to let them know if my circumstances changed, but that I needed to make $1500 more per month. I stated that if I made $1500 more per month, I wouldn't need assistance!

I struggled through the summer months, always one month behind on my mortgage, but still making the payments (as well as paying rent for a 1 bedroom hole-in-the-wall to live in). I got a new job paying 1/3 more and in October 2009, again, wrote to PHH telling them my circumstances had changed and asking for assistance; during this period I was sinking lower and lower in credit card debt trying to keep up. Finally, in January 2010, I was forced to file bankruptcy, still never hearing from PHH on my October request. I submitted loan reaffirmation to PHH in an attempt to keep my home, my sole and driving goal in everything I had done for 2 years.

In February on the same day, my attorney received the reaffirmation notification from their attorney and I received a call and email from Jade ** that they were again looking at the Loss Mitigation. Their attorney informed my attorney that regardless of the reaffirmation, I would have to deal with Loss Mitigation. I submitted (through my attorney) another ream of paperwork to try to get PHH to lower my payments. My attorney submitted all the paperwork via email, and within 30 minutes, received a reply that I still did not qualify for assistance even though I now make enough money and have eliminated all debt except my current living expenses (barest minimum) and my loan payment.

My husband and I purchased our home in June 2007. We made our payments faithfully. Until he lost his job in April 2009. I still continued to pay my mortgage. Sometimes it was late but made my payments. Well, in December 2009, the sheriffs officer was knocking on our door and handed my husband foreclose papers. My husband called me and asked what we were getting these papers for. I told him I don't know, I will look at the papers when I got home. So I called Phh and they wanted proof I paid so I sent them my bank statements showing that I paid.

Didn't hear anything back. I called back a couple of day later and spoke with someone in lost mitigation which they told me to call their lawyers because my home is in foreclosure. I made numerous call only to get an answering machine. I have now hired a loan modification lawyers to help me get through to them. Hopefully it work. I want to keep my home.

My husband lost his job in May of 2009. We have been paying our mortgage 59 days behind ever since. I have been trying to get a forbearance ever since. They have to be the worst mortgage company to deal with in the United States. I am always getting some one in India, or "I am sorry that it is taking so long, but we are just back logged". Nothing they tell you will ever be done. They won't call me back. They don't follow through with anything they promise. It is as if they are intentionally trying to get people into foreclosure.

PHH Mortgage is the most uncooperative mortgage company. They will do anything to foreclose on a home or add fees to your loan. I'm trying to do everything that I can to keep my house, and PHH Mortgage is apparently trying stop me from doing this. With all the talks about bail-outs and trying to help people in foreclosure, it makes me really mad that there is a mortgage company out there ripping people off.

PHH Mortgage Service in September 2009 decided to increase my monthly payment from $1,808.83 to $2,082.11 by increasing my escrow payment and adding unnecessary fees to my account. When I tried to contact them, I was transferred from one agent to the other and each time I get another agent, I have to start my story over again. No one seems to know what is going on.

In February 2010, I got a letter from them demanding late payment of $8400.00. After numerous calls by me, I was finally told they are missing payments form November to January. I call again and sent my proof of payment. I called after faxing the information, I was told it takes 24 hours to update. I called after 24hours, I was told it takes 3-6 business days to update their system. 5 days later, I called and I was transferred to a guy who started discovering how my payments have been misplaced. I never missed a payment since I bought the house and move here in McKinney in March 2007. I wrote to PHH on December 17th 2008, certified letter with return receipt, but they never answered.

I am afraid, because it looks like I am dealing with very uncooperative people.

I completed my loss mitigation application in April of 2009. At that time, I was behind on my property taxes but was managing to pay the mortgage. I knew that I was on a sinking ship and would not be able to maintain all of my debts when GMAC raised my mortgage payment (on my primary residence) by $600.00/month. They raised my mortgage payment to cover unpaid property taxes. I filed for Loss Mitigation on both homes. My primary residence with GMAC and my rental property with PHH Mortgage. GMAC denied my application within 60 days. I went to see an accountant and a real estate attorney for advice. The attorney told me to stop paying on the loan because PHH wouldn't work with me if my payments were on time. He recommended that I use the money to pay off my my credit card debt (gained while trying to pay the increased mortgage payment and the rental property mortgage).

I have contacted PHH loss mitigation department monthly, weekly and sometimes more than once a week. I submitted updated financial information in August, November and February 2010. When I contacted them today to find out if they had all the documentation needed to decide on my loan, they hadn't received any of my February documentation. I asked them how that could be? I had confirmed faxes for February 5th and 23rd. Finally, she told me that the fax number wasn't any good? Apparently, they have gotten a new fax number since the January fax. In addition, I didn't receive notification of the properties' sale date of February 24, 2010. I discovered the sale when I found a letter from PHH in the mailbox of the empty rental home. Despite the fact that all other correspondence, including mortgage bills, come to my home address.

Due to the length of the process, I was forced to end the rental agreement on the property. I didn't know if I would be able to keep the property through loan modification. That resulted in a $1200.00/month income reduction for me. The lease agreement needed to be renewed by December 31, 2010. PHH was aware of the loss of income that I would incur if the loan modification could not be completed by December. They were notified in the original loan package, a full 9 months before the lease agreement was due for renewal! Everytime I call, I have waited no less than 25 minutes, sometimes 55 minutes. I have saved all my phone records and documented all of my faxes. Several times I was told that Helena ** would contact me. She called one time this month (February) and the extension she gave me didn't work. They didn't sell the property on the 24th because I was approved on February 22nd for a 3-week postponement while they decide if they are going to work with me or not. A judge in New York found them to be negligent and awarded the homeowner the property without a debt.

I would appreciate it if the attorney general, department of treasury or IRS would investigate/audit this lender. At this time, I do not want the house. I am currently several months behind on the PHH mortgage, the property is vacant and I am unable to move forward financially or otherwise. I would like to offer the Deed in Lieu of Foreclosure and walk away. If you can help, I would appreciate it. I know that they have been over 112 reports to the BBB about PHH which means I am not alone. I am tired of working as a teacher, while attending college, and working side jobs in order to pay more taxes and get farther behind! Uncle already!

We purchased a house in July 2007 and took out a loan from University of Wisconsin Credit Union. Our loan was sold to PHH Mortgage. We have been making our monthly payments towards principal, interest and escrow account in a timely manner. In November 2009, we received an email from PHH stating that they have mailed our property tax check to the city office. We called the City of Fitchburg office twice in January and they informed us that they have not received a check from our lender.

I called the customer service on January 13 and I was informed that the check was mailed to us and we should have received it by then. Since we didn't receive the check, the agent placed a note to research department about the check. Next, when I called them up on January 20, the agent told me that they have placed a stop pay on the lost check and they will issue a new check. She also mentioned that they will send us the check by FedEx overnight and that we should receive it by January 22. Well, we didn't get the check. So I called them up on Monday (January 25) and I was told that they hadn't mailed the check and that they cannot say when they would mail us the check.

After repeatedly calling them, I was finally told on Tuesday (January 26) that the check would be mailed to us by FedEx overnight on Wednesday and that we should have it by Thursday. When I called up on Thursday (January 28) to get the tracking number of the FedEx package, I was told that they hadn't mailed the check yet and again, that they cannot say when they would send us the check.

Our property taxes are due by January 31 and we still don't have the check for property tax. To add to the mix, when we look at our escrow account, the amount of $5,992.41. There does not seem to be any sense of responsibility or understanding that our property taxes are due by a certain date and that when we place the money in escrow, it is done with the trust that the money would be disbursed in a timely manner.

I have a mortgage loan with HSBC since 2007. In 2008 my wife was pregnant and she stopped working because the pregnancy. I called PHH Mortgage Services to see what could be done about it but, they told me nothing could be done and that my only option was to keep paying. I stop making payments on September and I started calling them to see what can they do about lowering my mortgage payments and they sent me a hardship form which I filled out and sent back, after three weeks without response i starred calling them to know results about this but no one knows anything about it. It took about four months until they said they would send me another hardship form for me to fill and mail it to them. I did that again and nothing happened.

By that time they already had their lawyers working a way to foreclosure my property, which has a sheriff sale for January 20 2010. I understand the actual price of the property is less than 52% what I don't understand is how they prefer foreclose the property instead of negotiating with us when they know they are going to lose big money too.

PHH claimed they were working on a loan modification for us, since my husband's injury while on duty as a police officer. It's been 2 years! Every 3 months, they post foreclosure notes on our door, and when we call, they claim it is an error. We are at our wits' end! Do they want more foreclosed homes? We are making monthly payments, but we need to settle the months that we were unable to make a payment. No one returns my calls. I have spent hours on endless hold and being transferred to voice mails that are full.

I have 50 emails from Dan ** who assured us that the loan modification was being reviewed, and he was just waiting for the program plan we would be placed in. PHH is non-responsive, and when you do get through, the only statement they give is that they have thousands of modifications that they are working on and we are one of them! Where is the bail out for homeowners who are paying their mortgage and just needed a little help? Where's Obama's policy now?

We have filed a complaint with the Federal Trade Commission but that did not seem to impact PHH Corporation's view of the situation. We realize we are not the only citizens in this situation. It seems many people are facing foreclosure because corporations/banks are not doing anything to expedite process

I bought my townhouse in November 2007. In November 2008, I was told that my mortgage payment would go up $140 per month due to a tax miscaculation. I have a 30 year fixed rate mortgage. I could no longer affort the house and am now trying to get approval for a short sale. (I have a CASH buyer interested) It has been over 120 days (mortgage company told me it would take about 90 days to go through the process) and still do not have a decision on an approval for a short sale. The mortgage company never paid the tax on the property for 2008 (money was put in excrow) and there is now a tax lien against the property. Because this company has taken so long to process the short sale approval, I risk losing the property to a tax sale and will still owe the mortgage.

11/5/09 - Received answering machine message from Megan (I have the saved message), indicating that I'd been approved for the HAMP permanent loan modification and to anticipate receiving the documents within the next few days. 11/09 - Received packet indicating I'd been approved for the perm HAMP loan modification and the details of the loan. 11/11/09 - Signed HAMP agreement, notarized and returned in the two day envelope that was provided

11/19/09 - Received call from Kathleen (customer service), she stated that my permanent HAMP loan approval was denied. 11/20/09 - Called Kathleen back to clarify how I was denied when I had already received an approval and had sent it back. She stated she would have someone call me to discuss. 11/20/09 Krystal returned my call. She said I was denied but she would see what she could do. She said we needed to change some of my financial information.

She stated we needed to get cable, cell phone and internet off my expenses because those were not necessities. She then said I could do an in-house mod or the Home Saver advantage program and gave me figures for both those programs. I told her financially, I couldn't afford either but wanted the HAMP program that was originally offered to me. She said she would recommend the Home Save Advantage program and send me information. Again, I explained I couldn't afford it and wasn't interested.

11/23/09 Received call from Cynthia congratulating me on being approved for the HAMP program and if I planned to accept the offer. I explained to her I had accepted the offer and the situation to date. She stated I was on the list for HAMP approvals. After looking in the system she said she could see the approval and the denial. She spoke with her supervisor and stated they would put me on the "call back" list for the department that requested she call me.

11/23/09 Called and spoke with Aqui, she stated that she could see in the system the final HAMP loan modification that was sent to me. She stated it was a perfect document. She stated she also could see the denial that was after the approval had been sent. She mentioned dollar amounts that were considered for the denial and the amounts and I let her know they were incorrect. She had Danny from the help desk take a look at my file. Because they were unable to resolve the issue Aqui stated they would escalate my file and a supervisor would get back to me.

11/24/09 Called and spoke to a gentleman in loss mitigation, he stated that Krystal supervisor, Jason, was having Krystal review my file and would call me back. Stated my file had been escalated. 11/25/09 Called and spoke with Oni. Stated she could see the perm HAMP loan modification document in the file. Stated a supervisor would call me back.

11/30/09 Called and spoke with Ann. She stated Krystal was no longer with the company and that I failed due to NPV. Ann transferred me to Danny at the help desk. Ann said she could see the tracking number that they sent out the final HAMP modification and the tracking # that it was received back in their office. She told me a supervisor would call me back

12/1/09 Called and spoke with Oni again. Stated per Danny's note, they don't see my signed perm HAMP loan modification in their system. She then had me speak with Scott, Supervisor. He stated they had no final answer as to my situation. Stated he would escalate my case. Stated they did have my signed perm HAMP loan modification documents but that they had not been scanned into the system.

12/2 Sent email to Terry, in the executive offices. 12/3/09 (approx 7:40am PST) Called and spoke with Tony. He stated Scott would return my call. 12/3/09 (approx 2:30pm PST) Called and reached Aqui. She stated Scott had left for the day. Left message for S. Since, I'm unsure if PHH will honor their offer, I have no idea of the status of my mortgage. I'm in danger of losing my home. I'm under extreme stress not being able to find anyone who can help me resolve the issue.

Lost my 36 yr old husband to Bone Cancer, 4 small children; ages 11,6,5,3. Attended Law Sch 2 wks after his burial. Left Law School, became a Sub Teacher. Priority was my 4 children. Did not date, remarry. Living in same home since 1988, currently in Foreclosure due to mortgage co in NJ not communicating with me re my request for a Home Assit Package Review. My 4 children are now ages 28 daughter is a Scientist doing Cancer Research, 22 son just graduated from Cornell Univ in NY, 21 daughter a Junior on Dean's list @ private college, 19 son is an Engineering sophomore at Boston Univ. All 4 children earned academic scholarships to attend their top tier colleges.

I was laid off, worked less than part-time & couldn't make mortgage payments for 7 months. Just got hired full-time in April 09, but mortgage co. neglected my case over the 7 months, now in Foreclosure, sale date is 6/10/09. I had to contact the CEO, CFO & Board of Directors of the PHH Mortgage Co. for them to respond to me.

On 5/18/09 I rece'vd a voicemail from PHH telling me that they handed my request over to my 2nd mortgage, Water & Power Community Credit Union. I thought I would be alright. On 5/21/09 I rec'vd a Foreclosure Letter from Aztec Co. I have contacted so many different people, is there anything that could be done? I am a widow, trying diligently to keep my humble home.

I have managed to keep my home up to date on payments until Nov 09, when I got laid off. I believe I have done everything correct in requesting a Loan Modification with PHH Mortgage in New Jersey. Please review my case. This may be happening to many other people, just like me. Please help me. I beg of you.

With all the talk about contacting your mortgage company the moment you know your payment is going to be late advice running around today this mortgage company actually tells you to be late so they can help you. Im talking about PHH mortgage company. Here are just some of the complaints that I have found in my search looking for other people that they have lied too. They actually told me to be late with my payments so they could help me.

Then when I called back to see what they could do for me they told me that my house was going into foreclosure and that I needed to submit a hardship package, but the foreclosure proceedings would still go forward while I was waiting on them to review my package. At this point I was only two months behind. I called them after submitting the hardship package and was asking them if I could work some kind of repayment plan, but could never get a straight answer from anyone that I talked to. Gave me the run around every time I talked to them. You initial call is answered in India, where the people know nothing about your loan, and can only transfer you to the US where you are on hold for 30 minutes waiting to talk to a senior representative.

All this talk about mortgage companies trying to help the consumers and then there is PHH Mortgage ripping people off and telling them to miss payments so they can foreclose on your house is a SCAM and these people are CROOKS. Im just a normal guy trying to do everything that I can to keep my house, and PHH Mortgage is apparently trying stop me from doing this. With all the talks about bail-outs and trying to help people in foreclosure it makes me really mad that there is a Mortgage company out there ripping people off. Look into this company, they are crooks and scammers.

PHH Mortgage Service in November 2008 decided to increase my monthly payment from $1,157.83 to $1,625.42 by increasing the escrow payment by $467.59. Now the escrow is 60% of the principal and interest. It is too much for me. I never missed a payment since I bought the house in march 2007 and move here in McKinney. I wrote to PHH Dec 17th 2008, certified letter with return receipt, but they never answered

I am afraid, because it looks like I am dealing with very uncooperative people. I am afraid to loose my home. I worked as a nurse all my life, never miss a payment, pay my taxes. I can pay my mortgage as it was established, I can pay my real Estates taxes, but I cannot spent $5,611.08 extra for nothing [467,59x12]- It is a nightmare.

hello, to whom concern i have problem with my mortgage wich is i am late for my payment three months they send a me a letter for payment i call them i told them i will pay within a week i did call them to pay they told me my file was sent to the lawyer and i have to call him so i did he did not get back to me i call back my mortgage company they told me that he did not receive my file as soon as will recieve your,e file he will call you i said i want to make the payment they said tey cannot take a payment i beged them to pay them they said that they can't take any payment , the point of all this that they just want to fooling me arround wasting time then they gonna tell me that my house is forclosed there layer send me a letter askinn me to pay $6500.00 wich is my late are $4300.00 i ve been calling here there i cannot get an answer this is been going on from december 10th so please i need help i cannot afford to loose my apt i have a wife & 2y old son there is no where to go thankyou

Mortgage payment sent to PHH on or before the first day of the month. Payment sent less than 30 miles away. 4th time this year that PHH has not processed our mortgage payment prior to the 17th of the month. Deliberately delaying processing the mortgage to force us to do automated deposit. We have two other mortgages with different mortage companies. Each of them in other states - one in California. Each receives and processes our payments before the 10th of the month. Never late. Today, the 17 of September 2007, PHH has yet to process Septembers payment that was mailed to them on the 30 of August. Both of our other mortgages processed 1 week ago.

When cancelling the payment in the past, PHH then cames they have received our payment after all and kept both payments applying the second payment early to the next months mortage payment.

PHH mortgage services refuses to pay my taxes out of my escrow account. The county is threatening to take my property due to an unpaid tax bill from one year ago. I cannot get them to do anything to take care of this. I have called them four times, faxed them the information and gotten no effort on their part. I would recommend that consumers not use PHH as their mortgage broker.