Saxon Mortgage

Hi, my name is Rick. I would like to get some help. Saxon Mortgage claims I am behind on my monthly payments, and now has transferred my mortgage to Ocwen, who claims I am a month behind on my payments. Now, Saxon won't take my calls, and Ocwen says I have to straighten it out with Saxon. I don't know where to turn for help. I have copies of every check I sent them for the last year and when they cashed them. I am not behind. Any advice or help you could give me would be greatly appreciated. Thank you.

We refinanced our home loan and cannot get the escrow account refunded from Saxon. Saxon sold our account to Ocwen before their scheduled date and Ocwen is just as bad. First, Saxon said it would take 30 days. So we called and Saxon said they sold the paid off account to Ocwen. Ocwen says now it will be 30-90 days before they can tell us anything about the funds they owe us which is over $4,700.

I am not happy with Saxon. I have been trying to do a modification for months myself in 2009. I got divorced, I got late on my payments and now I am late for four months. They do not want to help me with the modification. They say according to the Obama new rules, I have to make so much to qualify for the program and I am paying my payments on time!

I don't know how to proceed. I had been in process for a load modification for quite some time. I just figured it takes them a while. But then they came back and said they never received paperwork that I had faxed to them months ago! Since I did not refax the paperwork immediately, the loan modification is no longer eligible. I am now in foreclosure. I guess we'll just move out then right? I wanted to figure out a way to lower payments while I'm unemployed and looking for work. But it seems that Saxon does not want to help.

I have been trying to get approved for a short sale since 2010. They asked for the same paperwork over and over again, stating they never received it. It's paperwork game and runaround. I have had four buyers for my home; one of the buyers have been waiting since August 2011 up until now March 2012.

Calling and talking to anyone is a complete waste of time. They even told my real estate agent that my loan has been sold. They give a lot of misinformation. They will not get back to my real estate agent, and my home will probably be foreclosed on. Thankfully, I got out when I found out they were not trying to help me. It is unfortunate that a company that was given our money to help us is not helping at all. They need to be held accountable and sued. They should no longer be in business.

I paid off a mortgage in 2008 and still can not get a lien release from Saxon Mortgage. Why is this company allowed to hold people's mortgage liens? Can someone please help us?

I got behind in our payment. After being modified before, I called and asked for a modification package and was told I won't get it after sending it back in. Anyway, I called to see if they got it. I had to send more papers. 2 weeks later, I called and was told that due to me not answering my phone, my mod was thrown out basically. I told them that all I wanted was for them to accept the money I have and apply the rest to the back of the loan, at least I'm trying. I was told "See you in court." Wow. What company won't help their clients keep their home, and the home is upside down. I'm still trying. I don't get it. Can someone help me (us) please?

I called on Feb. 1 to find out when it was sent out. They had sold my mortgage on April 2011. I was told was sent out 1-30-2012. If not received in 10 days, I would have to send a fax to them. I waited until the 16th of February, sent a fax of letter requesting my tax form. They sent me a letter stating they were checking into this matter. I should get a response in a couple of weeks. It's now March 4, I still don't have my 1098 form and no response from them. My dealings with this company have been very upsetting. They just run you around and you can't get anywhere with them. I don't know who to contact or how to resolve this.

I have been struggling for the past two and a half years to stay current on my mortgage payments to Saxon as well as to stay on top of all my other financial responsibilities i.e., vehicle insurance; Arizona State Property Tax, homeowner's Insurance; utilities, food/clothing, etc. I don't even have cable TV, or a cell phone! My income began dropping since 2008 when the local economy where I live began to fail, and jobs in my industry (electronics engineering) have mostly gone off-shore to India and Asia. Work hours with my employer were cut sharply (more than 60 percent) but I was never actually laid off. I also operate a home consulting business part-time to make extra money.

I applied with Saxon several times during 2010 and 2011 for a loan modification under the Obama HAMP Home Affordability Program. But I have been repeatedly denied loan modification with a letter stating that, "The investor does not allow modifications to your loan". But here is the interesting part: After a bit of research, I discovered that Saxon not only services my loan, they are also the investor on my loan! - a clear cut Conflict of Interest. Why would Saxon willingly choose to modify a mortgage loan that would result in them making less money? I eventually hired a professional organization to assist me in getting the loan modification. I also filed a formal written complaint against Saxon with the Arizona Attorney General's Office back in February of 2011. The complaint was filed for me with the assistance of the organization's legal office. The complaint states that Saxon agreed to participate in the H.A.M.P. Home Affordability program and has accepted federal funds to do so, but has been reluctant to modify more than just a very few loans to show that they are in compliance with the HAMP rules. But they never modified MY loan even though I was clearly qualified for it.

My formal complaint to the Attorney General's office had little positive affect or remedy. All I received from Saxon in response to the complaint was a play-by-play time line showing all the correspondence between me and Saxon since my default began, and they maintained that the investor will not allow a modification to my loan. My loan went into foreclosure by Trustee Sale in December of 2010, but I was able to rescue my home at the final hour by a monetary gift from my parents. A few days ago, I received another "Notice Of Default And Intent To Accelerate" letter from Saxon. They are maintaining that I am behind in my payments but, accept for this month, I have made every payment on time since the reinstatement of my loan after the foreclosure was abated. I have made every payment each month as the monthly statements arrive, but they apply each month's payment to the prior month causing me to be in default with a 30 Day Late on my credit record every month. However, my bank records and canceled checks show that I have made (and Saxon has received and negotiated) every payment I've made since my loan was reinstated. I fell behind this month which is what triggered the recent letter.

I now have only one recourse remaining. I will now seek deep legal action against Saxon. I plan to either cause or become a party and participant in a class action lawsuit against Saxon Mortgage Services, Inc. to force them into compliance with the HAMP program and to modify my mortgage loan. In addition, I feel strongly that I am entitled to substantial monetary damages as remedy for all the mental anguish, pain and suffering I've had to endure over the past two and a half years because of Saxon's inaction on my loan modification, and the eventual foreclosure I had had to endure. I will NOT rest on this matter until I receive the Loan modification I am qualified for. Saxon will NOT prevail against me!

In addition, I urge anyone who has had similar issues with Saxon to seek legal assistance and sue immediately or become a party to a class action before they can ruin your credit rating or take your home. It is clear by their actions that Saxon is not acting in the best interests of their customers nor the communities they serve. All they care about is money. In my opinion, they will need to be massively sued by homeowners to force them to act honestly and equitably, and to bring them into compliance with the rules of the HAMP Program.

Our loan that we had with Saxon was sold to Ocwen in May 2011, and first of all none of the payments that we made to Saxon was transferred to Ocwen. Now, we have an agreement with Ocwen first for a payment that is $800.00 lower than with Saxon. Now I am trying to receive our tax information from Saxon and I am told by customer service at Saxon that anyone that had their loan sold has to ask in writing to receive the document for their taxes. This information was supposed to be mailed out to all parties by January 31. I now need to send them a letter requesting the information in writing. That is a bunch of **.

Between a shameless company located in Idaho and the incompetence and cold hearted of Saxon mortgage agents, I had lost the place I considered my home for about 14 years. I complied with every paperwork that ever was required to modify my loan. I have copies of my correspondence with them; documents that were faxed to them and saved in my computer as well. My place was taken with no paperwork or signature or any type of release surrendering this property. Question is who deals or advocate for those like us that had lost their places like me in the hands of these predators? Who will be in our side to recover at least a crumb? Since our dignity was never respected.

Since September I have been trying to get a subordination agreement from Saxon on my second mortgage so I can refinance my first. This will lower my payment and obviously put me in a better position. I have done everything Saxon has asked and Saxon has even cashed my $250.00 check for the agreement. As of this date, still no subordination agreement and I am being hung up on when I call. I now have my attorney involved.

Contacted Saxon Mortgage back on 2008-2009. Lost home to foreclosure with Saxon Mortgage as we were trying to get the $1,000.00 payment lowered and first they stated nope because we had enough income to pay the monthly payment and when my husband lost his business and they still did not want to work with us as they told us, then we didn't qualify due to lack of income.

The house was located at **, AZ 85648 and Saxon Mortgage would not work with us either way, whether we had income, or whether we didn't. I had sent them over a hardship letter/extension and they did not accept it. My home was foreclosed as we stopped making $1,000.00 payments. I don't understand when we had the income, they were not willing to modify the interest, nor when we were with not enough income, they would still not modify the loan. They just didn't work with us at all.

I have paid for over ten years, at a rate of 10.5% (adjusted). I have been behind my payments, on and off. Currently, it is now up to date. I sent my paper work for a modification 7 months ago, and was just told that it is in review for 4 to 6 weeks. They have lost every paper I sent them several times. I cannot reach the same person. I have been told several times, that they will return my call, but to no avail. All I see is complaints against them, from people with worse problems than mine, but they are paid to modify predatory loans, which this is so now. Is there any help I can get?

Saxon is worst. They seem to be trained to deny every reasonable request. My loan was with Countrywide, then sold to BofA and now serviced by Saxon. Saxon took over servicing in July 2011. Since then they have been miserable to work with. They don't read the documents I send them. They simply deny every request. I either make too much or too little to qualify for a modification depending on who I talk to. With all these complaints, there must be something that can be done to stop this abuse.

I constantly receive phone calls from Saxon to collect as debt 5+ per day. The problem is I don't have a mortgage or loan Saxon or anyone else! I've tried ignoring them, I've tried talking to them (when I'm able to get a person on the phone), nothing stops them. I feel sorry for anyone who has to do business with this incompetent company and its rude staff.

I have a fixed mortgage with Saxon at 7.375%. I applied for the HAMP program in May of 2009 which Saxon advised me to do. I was put on a 3 month trial and made all of the payments they told me to make. They put all of those payments in a suspense account and reported to the credit bureau that I was delinquent. They kept pushing the trial period and had me resend paperwork every couple of weeks and made me go to foreclosure seminars.

I did everything they asked. After 10 months, I was denied in March 2010 because I got a good paying job for 2 of those months. I do contract work so my jobs come and go every few weeks. So, I do not make as much as they say I do and I have proved that with tax returns. They ruined my credit and then made me sell everything I own to pay all of the back mortgage, penalties, and fees so as not to lose my home.

I have since reapplied 3 times and am still being denied! My home is worth less than what is owed on it and I am willing to make all of those payments at a modified rate. But Saxon would rather put me on the street and lose over $100,000.00 by short selling or foreclosing on me. I have even tried to do it through an attorney and they still deny it! They are the most ignorant criminals I have ever dealt with. They ruin people's lives! This should be against the law!

I started a HAMP in May 2009. I made two payments then they (Saxon) said they made a clerical error and needed to start over. They wouldn't return the money but said they would apply it to my new plan, which was $200 more than the plan started in May. So now August and September were supposed to be paid and I made up the difference in October payment. I Western Union Quick Collect all my payments to have a record from third party but that obviously didn't make a difference to them. The HAMP agreement states make three payments of $2708.20, I did that, so now June and July, then the difference and three more and still no modification. Then they had the audacity to say on phone to continue making payments until they tell me different.

During this process I had a work related injury and my salary reduced some. I told them about this and by right, my payments should have been changed. But to no avail. Come January, I was unable to work due to the injury and not able to make any more payments. I was told I missed September payment and had missing documents, "So you are kicked out of this program."

In May 2011, I had a guy make a short sale offer. I owed $360k plus my arrears. The BPO for the HAFA short sale program came in at $65k. My guy offered $50k cash and never got a reply. I sent in an appeal letter to inform them that they did not operate the HAMP program correctly. An investigation was made but not in favor of homeowner.

I was kicked out of the HAMP. The HAFA short sale program is no longer available. They said it expired. My injury has gotten worst and have been off since Nov.14th, waiting on workmans comp payout. I have a Jan. 18th trial date to get workmans comp funds. So the rep told me since I don't have stubs for the last 30 days, I only qualify for a in-house short sale and have three working days to submit those docs. My sale date is Jan.17th. Where do you go for help? I have been working in my craft for 20 years and been making over a $100k for over 10 years before my injury and now at this moment, I have no stubs. My loan was illegally transferred to this company in the MERS fiasco and legally should not be able to benefit from these activities but the judges in the courts allow them to benefit.

Bad lenders and bad judges will leave a lot of homeowners out in the cold. Yes, I tried to sue for mortgage fraud violations with audits and a number of attorneys, to no avail. These attorneys tell you they can help for several thousand of dollars, maybe. Be careful. Is there anyone that really wants to help homeowners? Hey everybody, don't get hurt at work. Be careful.

I have been two years being denied by Saxon for a loan modification. I have a stable job and income and just need a little help. However, I received a letter a few days ago telling insufficient income without any explanations and then the date of sale was set. I went to court to file an emergency motion to stop foreclosure but they sold my home anyways. I went to a hearing to court and the Saxon lawyer said that they do not have to explain why I was denied and have the right to sale my house anytime they want. The loan is for $260,000 and sold it for only $120,000.

Please, I can afford that mortgage. The judge gave me 30 days to submit papers which I will or I have to leave my home in 30 days. I am desperate. I am a single mother and I need my home. They are not helping citizens to stay in their homes with the government laws. It makes no sense to sell a home for less than 50% of loan amount instead of giving the change to pay. My home was sold by Saxon and court had given me 30 days to submit new papers or will have to leave. Obviously their lawyer told me than I have no chance at all because they can sell my home anytime, which they already did.

My loan was sold to Saxon a few years ago, and it has been a nightmare ever since. First, they raised my interest rate through the roof. I called to see if there was anything that could be done. I was told that they would not help me, unless I defaulted on my loan. Red flag! I ignored this advice and filled out a loan modification paperwork anyway. I called daily for about 3 months, before I was told we made too much money to qualify. I became very upset and explained to them that this made no sense.

We were struggling to pay our mortgage, but we made too much money to justify dropping the interest rate? After being passed from person to person, I finally got them to agree to drop our interest rate to 6%. Two years later, due to unforeseen circumstances, we became a month behind on our primary loan. I contacted Saxon, and set up a repayment agreement. While waiting for approval for the agreement, I was hung up on. I assumed that the agent I was dealing with would call me back, but two hours later, I called the customer service line. I explained to the new person that I was dealing with that, and I was waiting on a repayment agreement to be approved. She informed me that there was no approval process, and that my account was set up. Imagine my surprise when a month later, I received a "Notice to Accelerate" in the mail, stating that I have 1 week to bring my account current, or face foreclosure.

Confused, since I made the first payment under the agreement, I call Saxon and I am told that the plan was breached, as my payment was due on the 20th, and I paid on the 22nd. I explained to the lady that I was never aware of the due date, as no one had explained to me the terms of the agreement, and asked to have my plan reinstated. After a long hold, I was informed that I cannot enter into a new repayment agreement for 6 months. I become severely agitated, and informed the woman that they have violated lending laws, by not providing me with the terms of the agreement, and that I will be suing and filing formal complaints. After another long hold, I give my financial information and once again I have been set up on a new payment plan, which will be due on the 20th.

I make my first month's payment. On the 6th of the next month, I sign in to online access of my account and note that I have $600 in suspense. I call to find out why, and I am once again told that my plan was breached, and my loan is due immediately. I asked for a supervisor. I held for 15 minutes. Victor finally comes to the phone and explains to me, that my payment was due on the 20th, and since I didn't pay until the 21st(incorrect), I have violated the agreement. I informed Victor that I paid on the 18th, and my payment history reflects that payment. I asked him to look at it, to which he tells me that I can give him my financials, and we will see if they can set me up with another payment plan.

After explaining to him that I do not want to disclose my financial information again, and waste more time correcting their mistake, Victor informs me, all that can be done is to accelerate the loan, and have someone contact me in 2-3 days to explain to me what is going on. This company is ripping people off and inflicting a ton of emotional damage on people. who just want to live in their homes. I can not explain to you the anguish that I am going through, having to deal with these liars month after month. I was literally shaking when I hung up the phone. I will be looking into a class action lawsuit against Saxon Mortgage!

Regarding the actual damage, at this point, I don't know. If they come back and say that I have to repay my defaulted payment in full within the week like before, I will be unable to do so, and will face foreclosure. Currently I am sick thinking about all of this!

We live in California and have a mortgage with Saxon. They took over our loan from NovaStar when that company went bankrupt. We have an ARM loan and we're making our payments to Saxon fine despite the fact that my husband suffered a work injury needing 3 surgeries and making it difficult for him to work. When our interest rate went up, we found it difficult to make payments. We applied for HAMP, but were denied by Saxon. Now we are in foreclosure and we are trying everything to work with Saxon to keep our home. They are not helpful. We pleaded with Saxon to keep the interest rate down so that we can continue to afford our house payment, but they ignore us. We had a perfect payment history until this.

I think there must be a comprehensive investigation on Saxon practices and perhaps class action lawsuit. It is unbelievable that there are over 200 complaints against Saxon on this site alone in the last couple of years. I have more or less the same experience as some of the rest of the folks who have complained. Since I am not getting anywhere with them either, I have hired an attorney to handle my situation. I am not sure what body of local or federal government regulates these mortgage companies but Saxon and other lenders must be kept accountable for their actions and the pressure tactics they use.

My overall experience is this: Nothing, none, not at all did we have a good experience, get out of the mortgage business Saxon. I've read all the stories on this page and they all say the same thing,"We suffered with Saxon Mortgage. Will you tell me how they are still in business? Because of them we lost our new home. No call back, always got a different person. Sent so much money and still nothing. And still said we owed more.

Would not call us back, just didn't want to work with us at all for a whole year. Sleepless nights crying all the time not wanting to lose our home, but they didn't care. So, we did all we could to. I feel like I almost had a break down. Wrote letter after letter, praying that they would do what the last phone call said they would do but never did. They keep their end of things. I hope each one of them some day deals with what we had to and I hope they get to feel like it was like to lose their home.

I have had problems with them from the start. My most recent problem is that, I just received a letter with big bold letters saying "Notice of Default and Intent to Accelerate". They always use intimidation tactics on their customers. I used to spend endless nights awake in bed, dreading whatever it was that they last said to me. This letter they sent is so wrong and so intimidating, that there should be a law against sending these types of letter.

I am, as I speak, not behind on my mortgage. I was behind 2 weeks. I paid them. I have never been more than 2 weeks late in my mortgage recently. Since my car was broken, and I had to fix it, or get car payments, I fixed it, and used part of the mortgage money for it. Since then, I have not been able to pay my mortgage by the 15th, due date of each month, for the past 2 months. So now, I got this letter, and I am so upset. I know I just said they were not going to upset me anymore, but I am sick and tired of it, not only did I get one letter, they sent me 4 different letters. I suppose they do this, so I am really aware that they mean business. I sent them a letter and of course they filed it away in the trash.

I am a Realtor. I have been trying to get a short sale approved but I can't seem to get anywhere with these people. I can never get a hold of the processor. I have left several messages. I have to talk to a 1st stage customer representative. They put me on hold for 15 minutes at a time to review file for every question I ask. They finally said I was missing documents that I had already turned in. Taxes and Bank statements, not updated just missing. Bank of America had this file for 2 months before giving it to Saxon for servicing. They have been the worst company, to service these loans that I ever have dealt with. They surely are not Realtor friendly or very professional. I am very disappointed.

I applied for a loan modification. In May, Saxon put me on this trail payment for my loan saying that if I make my payments on time, then I would get my mortgage modified. I paid $653.83 from June to September. Saxon had lowered my loan by $197.00. I was happy. After I made my September payment, I stared getting these calls saying that my payments were late. I told them that they already have the cash, the check, and that what I had been paying for the last four months.

I have not made an October payment because I was told not to make a payment by my loan counselor. It would only delay the loan modification. I have called and left several messages to Mrs. ** but she never returned any of my calls. I am now behind in my mortgage because I trusted them. They are now telling me that my mortgage has to be transferred to loan care. I am really having a bad time with them. They are a bunch of heartless people. Yes, I want to call them some other names but I know better. The Lord will see me through this.

I have a property in St. Louis, MO that I am trying to sell. I refinanced away from Saxon Mortgage in Jan 2003. They never released the lien on the property nor filed it with St. Louis County. I'm attempting to sell the property now but cannot until Saxon Mortgage provides a statement that I owe them nothing and they do not have a lien.

This should have been done when I refinanced 8 years ago but it was not. This is the only document I need to close on the property. I'm in the military and I'm trying to take care of this before I have to go overseas. I've called Saxon Mortgage over 20 times. I've sent letters to customer relations and they have done nothing at all. Customer service will not give a number or a name to contact to escalate my concern. I need Help. This is awful especially since I owe them nothing and haven't in over 8 years. They constantly run me in circles and provide no assistance. If anyone can help, I would truly appreciate it.

In or about May 2009 through July 2009, Morgan Stanley Home Loans, a.k.a. Saxon, refused to provide a timely documentation to my husband for his 401K Hardship Loan requirements in order to make current his home loan. In fact, my husband made numerous contacts with Morgan Stanley Home Loans (Saxon) Customer Service Department and each time spoke to a different representative who knew nothing about this request. Further, on one of my husband's contacts with the customer service department, he was advised by the representative that Morgan Stanley Home Loans did not want his money, as it would stop the default/foreclosure time clock. This representative informed my husband that if they accepted his money, that they would take our house, regardless. Although not named on the loan documents but a legal owner of the property, Morgan Stanley Home Loans (Saxon) failed and refused to notify myself personally at any time of this impending foreclosure and sale of the family home of 16years. They had full knowledge how to and the ability to make contact with myself (work phone, email and cell phone) and failed and refused to contact myself. It was not until the weekend before Thanksgiving 2009 that I learned that my house was sold at auction.

I have made numerous attempts to allow Morgan Stanley Home Loans to correct this deceitful act going, as far as speaking with their CEO, Anthony **. Mr. ** refused to deal with the situation and forwarded my complaint to his assistant general counsel, Andrew **. As it goes, my family was served with an Unlawful Detainer Complaint, had to appear in Superior Court of California and was forced to move by the Los Angeles Sheriff's Department from our home of 16 years. We have incurred substantial legal fees, moving expenses and not to mention extreme emotional and physical distress of myself, my husband and my ten year old son. In conclusion, Morgan Stanley Home Loans (Saxon) never offered to modify our loan terms or accept any payment on our mortgage or notify myself, a legal owner of the property. Morgan Stanley "ramrodded" our home into foreclosure and sale. The home was unlawfully and fraudulently sold at auction, in Nov. 2009 for $404,000. At that time the amount due on the mortgage was approximately $350,000. The home again was sold in July 2010 for $579,000. Morgan Stanley (Saxon) has unlawfully and fraudulently stolen our rightful equity in our home in the sum of $229,000. Morgan Stanley (Saxon) has failed to redeem our rightful property or pay for our equity in our home in the sum of $229,000.

Saxon Mortgage committed fraud last year when I applied for the HAMP program. This was my last attempt after three years to get a modification. The contractual term was that I was responsible for paying my mortgage. Without permission or notification, Saxon swooped into the State Farm Insurance system after receiving my application for modification, paid off the policy, and then denied me for the program. Had I not just happened to realize that there was a discrepancy on the deduction from my bank account and called my agent, I would not have known that they had done this.

Their action would have added around $300 per month to my mortgage payment. I had to be the one to fix it by getting a refund check from State Farm and send it to Saxon. After my polite but nasty letter, I was then escalated to Morgan **'s customer relations/advocates group (Morgan ** owns Saxon). They again denied me for modification and told me that the only thing to do is short sell. So I did. Because my loan was an exotic hybrid option arm loan, and my credit was good, I qualified for an FHA loan--so long as I kept current on my mortgage until escrow closed.

In May and June of 2011, two representatives speaking to me on behalf of Saxon Mortgage Services instructed me that no further payment was necessary. They failed to inform me that by not paying, the account would be reported to the Credit Bureau. It is mandatory for a company to inform a customer of the ramifications of their actions when providing information on their account. By instructing me not to pay, their representatives effectively amended the contract verbally since Saxon failed to send any further requests for payment or follow up with phone calls countering the said instructions. But Saxon won't change the reporting.

Additionally, Saxon is falsely reporting my loan as "paying on a partial payment plan" based on "this status is being placed on your account during the loan modification period." This indicates that I was approved for a loan modification and did not comply; hence, the short sale. I was never granted a modification or extended an offer of one; I was repeatedly being denied at every attempt. Both of these reports tanked my credit and I lost my loan. I have been denied multiple rental homes because of the reporting as well.

After getting the Federal Loan Modification approved and passed, and paying out $5000 to do so, Saxon put our home into foreclosure. After a few months of them telling us the new loan will not take effect until they cleared up their mistake, we were informed that we would be responsible for all the missed payments while in foreclosure. We were also informed that we owed an additional $3000+ from "before" the modification. We began attempting to set up a repayment plan, but Saxon sold the house as we were trying to finish the repayment paperwork. They told us to file a foreclosure rescission letter and all would be fine.

I lost my home in a fire in March of 2008. I was up to date on my payments with Saxon. During the time of the home being rebuilt, Saxon said they would not issue any money for the contractors if I were late or behind on payments, so I made sure I was not late or behind. Six months later they were telling me I did not make a payment, still fail to find out where, so now I applied for a modification loan to lower my payments and to make an extra payment since they said I was behind. I followed through with the rules for the loan to be told many months later that we would have to start over and that now I owe more to make up the difference and not to mention the late fees.

Sometime in 2008, I applied for a loan modification due to personal financial issues which caused me to fall back on my mortgage payments. I went through 6 months of hell with Saxon and finally, I was able to modify my loan with a lower interest payment for the next 5 years. They took a fee of about $5000, which did not go towards my past due balance and then attached my past due balance to the back of the principal of my loan. Currently, I am having difficult times and I'm struggling to make the mortgage payments.

I once again contacted Saxon for help and they said that I can apply for another modification and gave me a list of information they needed. I started this process back in April of 2011 and it is September 2011, and I still have not gotten any results. I spoke to one of their negotiators between this time and he advised that I get on a repayment program, which allows you to pay your current mortgage payment and divides the past due balance into 10 payments attaching this to your monthly mortgage (which by the way increases your monthly mortgage significantly). He also said that this was temporary and it would prevent my loan from going into foreclosure.

This was a temporary fix until the modification application is reviewed. It is now September and I have been calling them on a continuous basis and they keep telling me that it has to be escalated to a negotiator. I called today (09/28/11) and they told me that the application has been closed because I did not want the modification due to the fact that I am on a repayment plan. I never told them this. They have never contacted me about this. The costumer service agent told me that she is going to reopen the work order so that they can review my modification application. I want to keep my house but I just don't know what else to do with the company. They are a bunch of crooks.

I was cheated out of $30,000. I fell behind in my notes at the beginning of 2008 when my husband was sick. When my husband passed away in June 2008, I asked for a modification. At that point, I was 3 months behind due to the adjustable rate going from 8.5% to 12.5% in the last 2 years. I received my husband's death benefit and I now was able to pay my arrears. I sent them a check for a full 4 months of back payments that I was behind on and they sent it back! They said that I did not have to pay because my modification was in the works.

Well, I called every month for the next 4 months and they finally sent my modification papers after 8 months and told me to send them $12,000. I sent the money thinking that this was for the last 8 months of payments and fees. Based on my modification, they lowered the intrest to 8.5 for the next five years, then it will start adjusting again after that. They took my $12,000 and applied it to bogus attorney fees, applied $6,000 to interest, and tacked on those 10 payments to the end of my loan for a balloon payment of $29,000!

These people are crooks! Barack ** needs to close Saxon (Wells Fargo) and help the poor, working class people like us that Saxon has ** out of our money and/ or homes! I have now hired an attorney to look into this predatory lender! They are the worst! They are backed by Wells Fargo bank!

I had a property that short sold in June of 2010. I recently got a letter from one of my credit cards, stating that they are lowering my credit limit due to serious delinquency on my credit report.

I ordered a copy of my credit report and found that Saxon has been reporting late payments and foreclosure of the property for the last 14 months. I have called them several times and faxed the satisfaction of mortgage letter.

They have said they are working on it. Then I call back and start the process over again. They are ruining my credit!

I have been trying to sell my house for 2 years but Saxon will not work with you. I have given up and when they call, I just hang up. I'm tired of trying to sell this place when they won't help you.

This company is the biggest rip off. They told me I was to pay a certain amount for the Saxon Mortgage HAMP program but I lost the documents 3 times. They finally told me that I did not qualify and that I needed to pay them $10,000 within 16 days or they would foreclose.

If I had the $10,000, what did I need to get in the program for, in the first place. They also charge added fees. Like the one that was so funny was the fee to see if you still lived at the property.

Who oversees this company? Who investigates them?

I am a realtor and I have been working on a short sale for over a year with this company. It is impossible to get an approval from this bank. They say there is a person assigned to the file, but that person never seems to exist, with no return calls or emails, and they NEVER seem to be in the office when I call. I call almost everyday, and they always say they are going to send a "work order" to expedite the file. Nothing every happens! They are the worst Bank I have ever had to deal with. It doesn't seem like they want to get this closed. They have sent many Appraisers. Then they just let the file close withour contacting me, making me have to start all over. Over a year!!! I hate calling them and I find it hard to be respectful to these unprofessional customer service people who do nothing to help. No one seems to know whats going on over there and they keep terrible records. These "Negotiators" they assign do not do their job, otherwise, this would be done already! Saxon is the biggest scam out there. If anyone has actually closed a shortsale file with them, please contact me and let me know how you did it!

Note: today 7/28/11 I called 2 numbers I have for them and they say the number has been disconnected. I tried to google Saxon to see if they had an alt number, and I come across all the others with complaints against the company as well. WTF?

I have been paying my mortgage payment on time, but struggling like most Americans to do so. My mortgage rate is 9.9% and I have asked a numberous amount of times to reduce my interest to make my payments easier to manage. But because I do pay my bills, they are not willing to negotiate with me. My interest rate is ridiculous considering the national rate is much lower.

We have been given the run around for the past 2 years by Saxon Mortgage, and like almost all the complaints here, our HAMP was denied and was told that we should apply again along with certain new documents, then the documents get misplaced, and then we wait for a person to get assigned followed by denial. The fact all along is that Saxon does not want to modify and is just playing the waiting game while getting your money. We have initiated a class action suit against Saxon and would like to see as many of you sign up to be included.

Like many of the other people here, we were also taken advantage of by this company. They had purchased our paper from Taylor, Bean & Whitaker. They said that we should not have any problem being accepted for a lower payment schedule and gave us an amount to pay to them in lieu of our regular payment. On the last day of the 'trial' period, they cancelled the mortgage adjustment that we had applied for and refused to accept any payments from us. They never contacted us about the cancellation or offered a reason for it until I kept on bothering them.

Finally, we were told that the payment was the wrong percentage of our income and that they would work on an 'in-house' adjustment and would get back to us. They never did--the only contact made was when I called them. Long story short, they never would accept payments, unless we wanted to pay the full amount of the delinquent payments (we had started out two months behind when they purchased the paperwork from TB&W). We never heard the words 'foreclosure' until we were served papers on our home.

Saxon Mortgage and its representatives in Texas have never properly responded to any of my requests for loan modification over the past two years. I have requested assistance and information by phone and in writing to be sent to me via mail and e-mail on at least nine separate occasions without even one written response. Saxon's representatives always state that the information is in the mail, or that it will be processed after being directed to the proper individual. The professional response and proper consumer contact never ever is a result.

Saxon has (for the past five years) sent persons to observe my home, and my affairs and only temporary stops this action when I have repeatedly requested action to stop. This is illegal. Saxon and its representatives create exorbitant expenses at random and attempt to charge me fees without clarification. When I have asked them to itemize and declare the fees they either create false issues or do not disclose the information. They only stop by attorney investigation after proving the false charges.

Saxon has never once sent me responses to my questions regarding abusive fees charged at random, and they insist that I pay random rate increases and unknown fees that, in my personal opinion, are padding pockets. This is a company that purchased my loan from NovaStar Mortgage. NovaStar was even worse. Saxon should be responsible to its clients and accountable for all that they do whether it is right or wrong. Saxon should be held legally accountable for all that it does. Saxon should be sued for the way that they take advantage of their customers.

Saxon has changed our initial agreement after over eight years. The have sent me letters stating that I agreed to pay my taxes with my mortgage payment (all inclusive) at the inception of the contract. I have never included the taxes with my mortgage payment ever in the past approximately 10 years. I was informed that I could not combine the payments when I signed the contract. Yet 10 years later, they want to change the agreement immediately and threaten to charge fees if this is not adhered to.

It is my belief that this is illegal. Saxon also changes my payments at random about every three to six months and I have overpaid them, it took an attorney to prompt them to refund me. They charge me for "forced placed homeowners insurance" after I provided them with proof of insurance. They attempt to fore me to duplicate payment of taxes to them, or to pay them instead of the county tax assessor. I would participate in a Class Action Law Suit when there is a law firm to represent the clients who have been misrepresented and illegally treated.

Changing laws or written agreements at random is a violation of personal rights. Homeowners should stand up and take legal action against Saxon and its representatives who violate legal policies. Finally, the homeowners who are being taken advantage of need support from lawyers who are intelligent, aggressive, and enduring.

Saxon and its representatives present an undue hardship on its clients when they change laws bound by polices, it violates the legal rights of homeowners and is illegal. They break the laws willfully and are not held accountable by governing agencies. Saxon violates rules and regulations breaching public and binding legal trusts.

Hello, I'm a Saxon Mortgage customer and I feel like I have been scammed and violated as everyone else's story. I am having troubles with this company. First, I feel like I have been lured into my contract. It's called predatory lending. I fell behind on my payment and got forbearance. They put me on a loan modification which I followed through. I decided to make a payment on western union.com. Though Saxon and western union had a different payment price, we just decided to go with it and paid. Then when our payment was due again, they said we owed thousands of dollars. Plus, they also added back to the loan the previous time we fell behind which put us into14 months behind. And every time we tried to make the payment they said, No they can't accept it we need almost $9,000. I said sorry that's crazy and now we are in the foreclosure stage. I don't want to give up my home, I will fight for this house and my only option is to do repayment plan of $5,000 and $800 per month or file bankruptcy which looks like my best option either way. I still want to file a class action suit or something because this is ridiculous! I thought they are suppose to help you and not let you down so if there's anyone out there who can give me advice or will let me join a law suit, I'll be more than happy to thank you.

We were granted a Saxon Modification at the latter part of February 2010. We had to submit approximately $4,000 along with the modification agreement. We were told that our first payment in the amount of $1,104 was due April 1, 2010. We were pleased with the outcome and did not want our first payment to be late so we mailed it in March. Then the nightmare began! We started receiving statements from Saxon indicating that our payment had not been received! We called numerous times to no avail. We insisted that we were in compliance with each person we spoke with. We continued to submit payments for the months of April, May and June, with hopes of them figuring out their mistake and crediting our account correctly. It never happened. They sent us letters threatening foreclosure. In addition, each month we received a statement, the amount continued to change from the agreed upon modification terms.

As a result, we stopped making payments. After all, why should we pay when the property is in foreclosure? Finally in September, one bright person in the Saxon organization found that the first payment had been applied to the principal, simply because it came in early! Now that their error was found, they still want us to pay all late fees, attorney fees and all costs associated with the foreclosure! We refused and they are reviewing our account to this day! In the meantime, as a result of their posting error, we are behind in payments facing a possible foreclosure because of their posting error!

I contacted Saxon in November of '09 when I was laid off. I received and submitted all the loan modification paperwork back to Saxon by the due date December 19th 2009. In January of 2010, I received a letter from them stating that my mortgage was increase by $330+ since now they had started to escrow me for delinquent taxes. I got all the paper work from the city property tax dept that demonstrated they made set up this escrow account in error, since at no time was I to be escrowed with them. In essence, when I took my mortgage, I opted out of escrow and wanted to pay my taxes separately. I had to argue with them that I was unable to pay the additional $300+ monthly and for them not to not make my partial payment as insufficient which would have affected my credit report.

Any event, it took many three way phone calls with Saxon escrow and tax dept to determine that they made the error. After about 2.5 months of debating and fighting, I was able to stop the escrow and I sent them a check for the full amount escrowed so that they can close the escrow account. Okay by the next month. In March we were back on tack with only my monthly payments and no escrow. That didn't last long. To be continued.....

On March 15, giving Saxon three months to look at the loan modification paperwork. When I called, they said because my mortgage was current. I have to go into another category (eminent domain) and they are waiting on a decision from Congress to determine what happens with my case. The lady proceeded to inform me that my paper work was over 90 days old therefore I needed to submit updated paper work, which I did on March 20th.

I also contacted HAMP home modification program. I gave my info to Charlene C. who was able to open a case. When I told her that I thought it was unfair for me to have to wait this long time now to be told that I have to wait some more. Charlene did a conference with Saxon at which time she said that Congress had nothing to do with the case. Saxon was suppose to start my application process and not hold or delay because of a congressional decision since I was qualified for the modification program. In any event, they determined that there's nothing that can be done and I have to wait or I can default and be placed in the program right away.

On April, I called back again since I still not receive any paperwork on my status or what congress had determined. When I contacted Saxon, they said the decision will be made on May 15th and she, Krystal, will work on my case. I called back on May 17 since May 15 was a Sunday. I did not speak to Krystal but left her several messages. On May 24th, I called again finally spoke to Laura in customer services who mentioned that Krystal was not my case rep but Rukaat *** was.

I contacted Rukaat and left several messages. After about two weeks, I finally got her who mentioned that the paperwork was sent to the underwriter who needs to make a decision. One week after I called back, left her a message. She said that she received the file and an assessment on the property has to be done. The end of June I called back, was told that the account has to be escrowed. Called the fist week of July was told I was "approved" for HAMP. It would take about 8 weeks to be finalized.

Seeing a light at the end of the tunnel I waited. I received the August statement it was increased by 10.88. I called and asked what was that for I was told it was a fee for my home inspection and it is part of the modification. Okay, I took that response still skeptical. On August 4th, I contacted Rukaat ***. Wow, she picked up the phone, at which time she said the case was on hold because I needed to submit updated unemployment paperwork. I questioned her that if I would have been told if I didn't ask. She said to get it and faxed it to her. She gave me the fax number.

I called unemployment and request a copy of my income with them. On August 13th, I received a letter from Saxon which said my claim was denied for not submitting requested paperwork within 30 days. On same day, I also received my requested letter form unemployment dated 8/7. I immediately faxed the unemployment paper work and letter to Azeez. I also left her a message questioning the denial. I called back Azeez the following Tuesday since I didn't hear from her. She picked up again and I proceeded to tell her about the letters and that I faxed them to her. She said she did not receive anything. She instructed me to fax them again and she will talk to her manager since it was an error.

I faxed the letters again to Azeez and from that day until now, I have not heard from her. I called, left messages. I called her supervisor, Sanaa, left messages. I called Sanaa's supervisor Adriana ***, left messages and from August 17 until now, November 16, I have not spoken to anyone from Saxon about my case. I however received a letter form Saxon in September stating that they have received my information and is working on it. All during this process I wrote letters to Mass. Attorney General, Senators Scott ***/John *** and Governor. I also sent a letter to the treasury dept. who sent my info to another home modification company. Sergio stated my claim was denied for lack of paperwork. After explaining the my situation to him, I had to fax him the information. After about two weeks, I was told that Fannie Mae closed the case for timely submission of requested information. Sergio proceeded to instruct me to contact the mortgage company and work it out with them.

It is now November 17th. I just received another bill for December from Saxon. On this bill, it showed that they have escrowed my property taxes for about $1600 and that my payment has increased by another $300+. When i called to see if this was part of the home modification, I was told it was for back taxes. No way, I called the city. The lady told me that my taxes were not late or overdue and that another copy Core--- had paid my taxes before they were due. When I called Saxon again, Sarah mentioned that it was done in error since she did not see that a letter was sent to me about my late payments. She transferred me to the escrow dept where Laura said it would take two business days for this to be adjusted. This is very frustrating and I feel harassed. Saxon continues to be the most unprofessional and negligent mortgage company I know.

We have tried for over 2 years and Foreclosure Modification (4 hearings) only to be forced in Chapter 13! How do I counter-sue them for failing to comply with the Federal Program that they agreed in mediation to do? We paid payments to attorney trust, only to be told 7 months later, we don't qualify.

My husband and I have been having problems with our mortgage company for over two yrs. First we had a company named EMC where the trial modification was started with them; then our loan was transferred over to Saxon in Dec.09 but we had been making our trial payments for a yr. consistently and sending in any requested documents all to be told that we were denied for the hamp program due to lack of payments and lack of documents which of course, were all untrue. We told them that and then they said that it was under review and not to make any payments since it was under review.

We've tried everything and we just want to try to save our family home that we and our four children ages 9,7,3,2 love but we can't seem to get anywhere because now they are trying to convince us to do a short sale. So at this point we don't know what else to do or where else to turn for help. Somebody please help with suggestions.

My husband and I have been having problems with our mortgage company for over two years. First, we had a company named EMC where the trial modification was started with them. Then our loan was transferred over to Saxon in Dec. '09 but we had been making our trial payments for a year. Consistently and sending in any requested documents all to be told that we were denied for the HAMP program due to lack of payments and lack of documents which of course was all untrue and we told them that.

And then they said that it was under review and not to make any payments since it was under review. We've tried everything and we just want to try to save our family home that us and our four children ages 9, 7, 3, 2 love but we can't seem to get anywhere because now they are trying to convince us to do a short sale. So at this point we don't know what else to do or where else to turn for help. Somebody please help with suggestions.

We hired Quantum to handle our mortgage modification since we had been unsuccessful in our past attempts with Saxon and Amtrust. We had a high interest rate of 7.5 and a PMI of $586 with a mortgage payment of $2890.00 per month. During our consultation with Quantum, I explained how our income had been drastically cut due to me losing my job and had started working through a temp agency. While working full-time and having contractual work through my business, we were able to afford this mortgage but had questioned the high PMI since the day of the closing on the loan.

So, after 4 months of sending them documents and being told not to talk to the mortgage company if they call, we put our trust in them. We were getting daily calls from Saxon requesting payment and they were told to talk to our lawyer who was handling the modification. As usual, the HAMP was not approved, so they went with an in-house modification.

All the while, we're receiving letters, phone calls, etc. stating that they needed more information from me, not the attorney, to get the approval on the HAMP. They had already denied us for the program in several letters received from them. So finally, we get the foreclosure letter from Saxon's foreclosure attorneys in VA Beach stating that the house would be foreclosed in 30 days.

Faxed that info to the attorneys to handle and I faxed the same letter to the foreclosure lawyers. I get an email from Quantum asking why did I contact the Shapiro firm to tell them that the loan was being modified and wasn't in foreclosure and they were taking care of everything. 2 weeks later, another letter from Shapiro stating that the house would go up for auction on Nov. 24 at the courthouse and we received a letter from a real estate agent indicating that they saw the foreclosure listed in the Daily Progress, our local newspaper.

At this point, I'm ** as **, not sure what's happening. A day later, Nov. 9, we received the loan modification documents from Saxon. They had lowered the interest rate to 5.5%, but had tacked on the late payments to the original loan amount but would not remove the PMI of $586.00. Our payment was reduced a whopping $300.00. We paid this firm $4000.00 to represent us and fight for the reduction as well as the grounds of the falsifying documents at the origination of the loan.

When I spoke with the attorney, she said that this was actually a good modification as we had no down payment to make and our payment was reduced. Yeah, like $300 is a big reduction and Saxon will not remove the PMI. So, we have no choice but to sign this ** modification or find ourselves homeless in 2 weeks. We have paid on this loan for 6 years and we now owe more than the original loan amount. I don't think there are any agencies our there who are actually helping the homeowner get restitution in any case.

When I asked the attorney about the predatory lending and the falsification of income, she said, "There's nothing anybody can do about that". I feel like letting the house foreclose but where are we to go. We're stuck in this loan until someone refinances this for us and our credit has deteriorated over the past year. Just thought I'd share my experience and how much red tape there is to go through along with predators that aren't always the lenders. The timing of the letters from Saxon, Shapiro and then the loan modification makes me think that this is another scam to force homeowners into an agreement that everybody wins except the homeowner.

Loss of $4,000 to get a $300.00 reduction on the loan. A law firm that made promises verbally but in their retainer, they could not guarantee a reduction. Emphasized that they went after predatory lenders and could often times get the loan balance reduced. We are still going to end up in the same foreclosure status by April 2011 if we don't get this loan refinanced.

I was up all night reading this website and it sickens me as too what our country has become. My husband & I have also fallen prey to this vicious scam. We have been trying to work with Saxon for several years after our loan was sold to them. It's missing documents, numerous phone calls, delayed payments, returned payments, escrow charges, fees, mortgage insurance, trial plans, increases, contract changes, harassing telephone calls, rude personnel, non-informative personnel, modifications, foreclosure, and most recently auction notices. Saxon and their attorneys have assured my husband and I that they have placed a hold on the auction until December 20, 2010 as a courtesy to us.

They will use this time frame to review our modified loan papers that were submitted to them as requested. Whether or not they or their attorneys have actually placed the auction on hold, I have no way of knowing. We have requested that this information be submitted in writing; however, neither Saxon or their attorneys have taken the time to submit such a document. Our experience with Saxon is they never submit or include relevant information agreed upon by us in correspondence. They never receive incoming documents that are mailed, faxed, or otherwise submitted and the only documents they are capable of providing you any type of information about are the ones they send threatening to take your home. Even these notices are distorted, misleading and incomplete. Furthermore, answers to your questions are never the same and depend entirely on the individual you are speaking to at the time. Good luck trying to find someone you previously spoke too.

Now that I have read over 187 pages from other citizens depicting the same nightmare my husband & I have been living, I truly understand why I have always felt so confused and frustrated with this company.It is unbelievable that this company continues to do business in the US with as many complaints and law suits that have been filed against it. Fraud is still a crime and last I checked it is still punishable. All of us are completely dumbfounded by the lack of response from the government, media, and legal advocates in reference to this matter.

This is America, people, the land of the free and the brave! This is much bigger than a company taking advantage of a few people. This is happening all over the United States. Don't take my word for it; do the research and you will see that what I am saying is true. Why is this happening? Why is it being allowed to happen? Who benefits from this?

I can only find one answer and as far fetched as it may sound, it is the only reasonable explanation I can come up with. I have considered myself to be a Christian all my life, but honestly I have not attended a church in over 30 years. (I may start looking) I do read my bible occasionally and I try to be a good person.

Recently, I read the book of Revelations. I will not try to attempt to interpret this for you, but I do advise you to research this yourself. If a country was trying to become a one world society what basic fact would be necessary? Control over the people! The people of the United States of America are free and could never be controlled unless the people of the United States were homeless, hungry, and hopeless! (Defeated financially and mentally)

Can this happen? Is this happening? If what is happening doesn't correlate with what is stated in the Bible then I would have no other explanation to give. My house is scheduled to auction today if it has not been placed on hold. I suppose I will soon found out. My husband and I also have a 10 year old son. Being forced out of our home at this time would and will be a hardship on us. My husband hasn't worked for over a year. Do I have faith in Saxon or someone out there that may be able to turn my situation around? No! What is my solution?

I started trying to work with my mortgage company in March of 2010. I was told not to make any payments while my files were being reviewed. I kept calling every 2 or 3 days only to be told that they were still working on my case. I kept getting the run around until I am now so far behind I am losing my home and it will be auctioned off on 12/10/2010. This is so hard for me since my husband was in the United States Air Force for more than 26 years doing three terms in Vietnam. He died with multi-health problems in 2005. Now I am losing my home. I don't know what to do or where to turn. I have tried everything I know to do without any results.

We have been trying now for a while (1yr+) to get our home loan modified, but is just has basically being impossible to deal with this people. It all depends on who you talk to at any particular day of the month, you get a different version of what's going on. They are very rude and non-caring. All they care about is their money.

First we apply for the HEMP program (what a waste). One time we were told that the paperwork was not complete and that we needed to resend the documents, so we did. When we inquired about the second resend, we were told that they lost the paperwork. After that, we were told that HEMP did not approved our request. We have put the house up for sale but with the market the way it is, no offers yet after 3 months. With what we get from my pension (U.S.Army) and the Social Security, plus my wife's social security, we can barely make it through the month. We resently apply for a short sale and already Saxon Mortgage is giving us a hard time. This mortgage company is about the worse if not the worse that we have to dealt with.

Our mortgage started with Amtrust but was sold to Saxon Mortgage. Since we been with Saxon, our mortgage payments have went up a $1000. That is even working on a loan modification.

Recently, we have been working with Saxon on a loan modification with the new government program, but they say we make too much even though we have a hard time making our monthly payments. The process started with a guy named Michele with Saxon but caught him lying; so we where transferred to David who was working with us great but then they switched us to a guy named Thoule, who well did not know what he was doing. He asked us to fax him my recent pay stubs and letter from work stating that I worked there and he had to have them by the 28th of October.

We faxed it all on the 27th of October and Mr. T. called on the 28th of October and confirmed receipt of our fax. He stated he would submit our paper work to the under writers. Mr. T. called again on the 29th of October and asked about my work again and I told him he had already confirmed and he stated he would submit our paper work to the underwriter. This was supposed to be done on the 28th of October dead line. We where told we qualified but we were denied. So many lies. Who do we believe? They say we are $30,333.54 behind but we have proof we are not. Yet Saxon wants to take our proof. Someone needs to look into Saxon Mortgage and the scam they are doing. We were told the foreclosure date of November 26, 2010 is only tentative. Who knows the truth?

If they continue not to work, we will lose our home and be out on the street. I have lost many nights of sleep worrying if we get to keep our home and Saxon will work with us. I have been put in hospital many times after triple by pass because of the stress Saxon has caused. My wife and 3 kids are worried on where we will live if nothing is done.

We got our mortgage from Meritch Mortgage Services on 12/21/2001. It was a 15-year, fixed rate. When the guy left, he took the loan papers claiming he would send me copies of them. I believed him, but never got loan papers. It seemed like things were going okay. I had a coupon book and it looked like money was coming off the principal. Then we received a letter stating that Meritech sold our loan to Saxon Mortgage Services in 2002.

Once Saxon took over, everything changed. I couldn't get in touch with them for quite some time. When I did, I asked for a monthly statement so I could see what I owed and had paid. They refused to do that for a couple of years, claiming they are not a debt collector and couldn't send out a statement. They finally sent me statements and the contract had now changed.

Our loan became a 360-month (30 year) loan with a 15-year "balloon." We never signed a loan with a balloon payment. I asked for a copy of the loan papers and they have signed loan papers with our signatures. But there was another set of papers with the huge word "Balloon" at the top of one of the pages. We never signed anything with Saxon Mortgage. No one came to our house. Our loan was with Meritech.

I finally got a copy of the Meritech loan. it was copied by Saxon and it reads that it is a 15-year, fixed rate loan, with our signatures and our witness signature as well. That's the loan we signed, not what Saxon has.

Our payment went from $350 a month to $550, gradually over a period of maybe 6 years. When I questioned them why, it was always, "Oh, the taxes or insurance went up" so they needed more in the escrow. I have tried to get 3 different attorneys to look into this and send them a letter trying to figure out whats going on.

One attorney did find out that they were double insuring me. Then he sent my money back and said he wouldn't handle the case. They have a company taking $493 a year out and I have homeowners paying $501 a year. They are getting $1,200 a year for insurance.

I contacted Saxon and they said it was "extra" fire insurance. If you get to talk to a real person, they talk you in circles. I finally got them to send me a payment history and there is all this "unapplied" money, that no one knows where that goes. I do... in someone's pocket or on the interest!

This is the most fraudulent company I've ever had to deal with. I get names, dates and times, but it never makes any difference. If you called back and said I talked to a "Joe" they'd just say "Oh. He doesn't work here anymore." Of course they never put anything on the computer about you calling.

Whatever you do, don't let them know that you're struggling. I did and now they are sending someone around to make sure we're still living there, at a fee to me course. I was making overpayments and the guy told me if I didn't specifically tell them that it was an overpayment to be applied to the principal, it went on the interest.

I started out owing $53,600 and I still owe $47,000. That was 8 years ago. I'll never have it anywhere near paid off in 6 more years. I would have with the original loan. I thought a contract was a contract and the terms of it couldn't be changed nor signatures forged. There has to be someone willing to stand up to this company. They're taking more of our homes every day. They need to take all that money I've paid on interest for a 30-year loan and put it to my original 15-year (No Balloon) loan contract. I'm tired of dealing with this fraudulent company.

I have been trying to get a loan modification with Saxon for the past two years and because of their incompetence, I was denied based on erroneous income information used by Saxon when submitting my paperwork to the Fannie Mae Review Group. I was told my only recourse is to submit a protest to the denial and was given a fax number to fax the denial. Saxon has increased my payment by $650.00 per month based on an escrow shortage that should not exist, but Saxon arbitrarily paid my homeowners insurance and real estate taxes (I always paid them myself and was not behind). I want to keep my house but Saxon is making that impossible by mishandling this loan modification request.

My employer of 30 years cut my hours to part-time the beginning of 2009 and I am still working part-time. I have submitted payments late, but only by 3 weeks and never reached 30 days. With a modification of the interest rate, I would be able to keep my house. But now, they want $6000 to make my account current and I believe because of their error, I should also get a loan extension or a refinance. My chances of this happening is nil because I have been tracking the consumer complaints online and my story is the same as everyone else's. I have filed a complaint with the Consumer Protection Agency and have my local Community Concerns Association involved, but nothing is happening. I do not understand that with all the complaints, why does a government investigation or any investigation hasn't been filed against this company? I am desperate and would like to know where I can go from here to get some help.

We fell behind in our mortgage payments with Saxon. My husband was a self employed general contractor. As we all know, the housing market fell straight into the trash, so did my husband's business. We tried for over a year to set up a "repayment" plan with Saxon. Every time we called, it was always a different story "we've lost your paperwork, your loan has been sold, your loan has been transferred to a different loan agent", etc. We attempted to make payments; they always told us to wait.

We finally came to an agreement. We mailed our payment. They refused it and sent it back. Then one night, I heard someone outside, so I looked to see what was going on. Someone had taped a foreclosure notice to our front door. We had a month and we were going to lose our house. At my wit's end, I hired outside help to deal with Saxon. Although this person saved our house, we still aren't out of the woods. We are making regular payments, but have a balloon payment of $12,000.00 due in January. I informed them there is no way we will be able to make that. If we miss one payment, we go straight to foreclosure without further notice. We'll be able to make it through the holidays. Then, we are going to end up losing our house anyway. The person we hired taped every phone conversation she had with Saxon. She said that in January, we would be able to save our house because of the recordings, which I don't believe will be the case at all. We've been in our home for close to 11 years.

For the last 2 plus years, I have been struggling to pay my $1744 mortgage payment. I have been self-employed since 1984. My business started dropping off dramatically in late 07. I contacted Saxon in early 08 to see what we could work out. They refused to accept any payment, unless it was the full amount. I bought this house in 1995. I have talked with so many people at Saxon. I have lost track of all of them.

As you know, property values declined dramatically in 08 and 09. Part of the reason, in my case, was the closing of a golf course in my neighborhood. Many of the homes were directly on the golf course. Many houses went up for sale or were foreclosed in my neighborhood. The value of my house plummeted from approximately $175,000 to $120,000, and probably even less now! I have talked with the H.O.P.E. people for advice, and got their recommendations. Saxon continued to refuse to work with me! In 2008, I fell twice and broke both of my legs. My right femur was shattered and needed serious surgery, with a steel post put in from my hip to my knee. It was several long months of hospitalization and rehab. I had canceled my health insurance as I could not afford the $1000/month and still stay in my house. Friends helped out with the power and water, and lots of good food, while I was in my wheel chair and could not.

I am now almost 64 years old. I am able to walk, although I need back surgery and my right leg is now 1 inch shorter than my left leg. I am finally getting back on my feet, very slowly and have moved into an apartment with a friend, as Saxon told me they are foreclosing on me. It has been almost 2 years since I have heard a word from them. I was moving my possessions out of the house this weekend and got a notice on my house, saying an appraisal company came by the house and it appears vacant or abandoned, because I have not finished moving everything out. I am over at the house, at least 2 to 3 times a week. But I have not heard anything from Saxon. I have been living with friends since January, as I had no money to pay the mortgage or the electricity.

I have had a horrible experience with Saxon. Last year, they claimed I had abandoned my house, although they received a check from that address and cashed it every month. They rescinded payments to the homeowners insurance company, and tried to force me to take forced mortgage insurance. I hired a lawyer at great expense to fight the issue, and it took 3 months.

Now, they were trying to foreclose my home, when I was able through a great real estate agent to get a full value sale. The buyer had pre-approved loan. The settlement was to occur 3 days before foreclosure. However, Saxon would never released the pay-off data to the title company. Three agents, two lawyers, myself, the buyer and her lawyer, sat in the title office for 8 hours trying to get the payoff letter, which never came. Saxon went to foreclosure with a viable, money-on-the-table full sale ready to roll! Is anyone holding these people accountable?

Due to reduction of income hardship, my mortgage payment was unaffordable. I applied for modification based on hardship with Saxon. Saxon processed modification request under HAMP guidelines, and I was told, in writing, to pay three trial payments, which was done. Upon completion of three trial payments, Saxon informed me that additional time was needed for review, and to continue paying trial modification payments, which was done.

Four months later, I was informed that HAMP modification was denied due to "Negative Present Value. " I am $80,000.00 or more underwater on value. However, I know this and do not wish to lose my home if I can continue paying the mortgage under modified terms. I cannot refinance the loan because of the underwater and now my credit is damaged. I was told by Saxon that I would be considered for an "In House" modification, and would not need to submit additional paperwork, that the review would be automatic. I waited for their decision.

I called each month and was informed it was under review. Finally, I was informed in July, four months after denial under HAMP that the in-house modification was approved and that documentation would be forthcoming. It is now October 2010 and no documentation was ever sent. Saxon called yesterday, and informed me that the in-house Modification was denied, and I should enter into a repayment plan to avoid foreclosure, by paying the original payment, plus escrows, plus an amount toward the arrearage.

I cannot afford that under my current income. In addition, Saxon has not been able to verify for me how the trial modification payments (paid for seven months) has been applied to the accumulated arrearage. I will be filing a lawsuit against Saxon, etc.

In or about May 2009 through July 2009, Morgan Stanley Home Loans aka Saxon refused to provide timely documentation to my husband for his 401 K Hardship Loan requirements in order to make current his home loan. In fact, my husband made numerous contacts with Morgan Stanley Home Loans (Saxon) Customer Service Department and each time spoke to a different representative who knew nothing about this request.

(Saxon) failed and refused to notify myself personally at any time of this impending foreclosure and sale of the family home of 16 years. Morgan Stanley Home Loans had full knowledge how to and the ability to make contact with myself (work phone, email and cell phone) and failed and refused to contact myself. It was not until the weekend before Thanksgiving 2009 that I learned that my house was sold at auction.

I have made numerous attempts to allow Morgan Stanley Home Loans to correct this deceitful act going as far as speaking with their CEO, Anthony Meola. Mr. Meola refused to deal with the situation and forwarded my complaint to his assistant general counsel, Andrew **. As it goes, my family was served with an Unlawful Detainer Complaint, had to appear in Superior Court of California and was forced to move by the Los Angeles Sheriff's Department from our home of 16 years.

We have incurred substantial legal fees, moving expenses and not to mention extreme emotional and physical distress of myself, my husband and my ten year old son. In conclusion, Morgan Stanley Home Loans (Saxon) never offered to modify our loan terms or accept any payment on our mortgage or notify myself, a legal owner of the property. Morgan Stanley "ramrodded" our home into foreclosure and sale.

The home was unlawfully and fraudulently sold at auction in Nov. 2009 for $404,000. At that time the amount due on the mortgage was approximately $350,000. The home again was sold in July 2010 for $579,000. Morgan Stanley (Saxon) has unlawfully and fraudulently stolen our rightful equity in our home in the sum of $229,000. Morgan Stanley (Saxon) has failed to redeem our rightful property or pay for our equity in our home in the sum of $229,000. My recent email sent to Greg **, Chief Legal Counsel of Morgan Stanley Home Loans/Saxon Morgan. It appears that Mr. Greg ** did not realize where he was sending his response to: Subject: Re: Fraudulent Foreclosure of 21549 Mulholland Drive, Woodland Hills, CA / Lisa **.

See, we had a home built in 2006 and everything was going well until we were like behind two payments. They were supposed to give us a fit rate, but they didn't have us write all these hardship letters. Then, our home went in foreclosure, we lost our home. When we called them, the only way we can get our home back is that we pay $22,000 (they said we missed so many payments and this is how much we owed), but we only missed like two payments. This company is very bad. All they want is your money and will not help anybody out. So if anybody can help me get my home back, it would be a good blessing plus I have two kids. It seems like the $22,000 that they say we owe is what we paid in those 6 years we wanted a fix rate, but didn't do anything to help. They kept saying "we will help for you to keep your home". I think they should give us our home back.

My father passed away in July 2008. When we reported this to social security they took back a payment for June 2008 by mistake. My sister had written a check on his bank account to take care of his medical expenses during his final days and to arrange his funeral. She deposited the check into her account and wrote checks to hospital, sickroom equipment suppliers and such. The social security agency took back the money and the bank extracted the money from my sister's account. Needless to say that she also wrote her mortgage check about this time to Saxton.

The check was deposited and returned NSF because of the withdrawal of the funds by social security. That started a chain of events that ended with my sister's house being sold on the courthouse steps to New York Bank of Mellon. They applied for a HAMP loan modification because Saxton said that they had not paid their mortgage payment when in fact they sent in two certified checks including late fees when the money was returned to my sister. They were told numerous times that paperwork had not been received, that the application had been sent etc like all the others in this column. They finally got a letter stating that if they made three trial payments of $3914.00 each that the modification would go forward and their payment would decrease to less than half the $3000 payment they had been making.

The payments were made and we have the signed fed ex overnight letter receipts and copies of the canceled certified check to prove it. They continued to make the $3000 per month payments after that but kept getting calls from Saxton several times a day to remind them to make the payment or to tell them the payment was not received. On March 6 Saxton called and asked my sister to send them $1940.00 and the modification would finally be finished. I drove her to the bank to get the certified check and to the fed ex store to mail the overnight payment that day. My sister was assured by the caller that everything was okay and that no action was being taken about foreclosure. Since there had been no letters or forms or legal paperwork sent this seemed like they were telling the truth. On the contrary.

On March 13, 2010, my sister's home was sold to the New York Bank of Mellon. We began getting letters from an attorney firm demanding the keys and then we were served with summons and Complaint for Unlawful Detain. Needless to say things have been dicey around her since then. They were told by Saxton that the nearly $40,000.00 that they had paid was put into an escrow account for fees when the modification went through. They awful part is that they called on the day the house were sold asking where the payment was. These people should be put out of business and sent to jail after all the houses they allowed to go to foreclosure are returned to the people, who worked two and three jobs to keep them, along with all the money in escrow for fees.

They said documents were late even I sent. The taxes are in with the payments and it went up 300.00 dollars payment and is now 1.646.32. They lied that all the information was turned in through the mail and fax, in a timely matter help me.

I applied for a remodification on my house five different times. What I mean is that I sent to Saxon five different times my remodification packet because every time they lost it. The dead line ended for me to qualify. So now they said let's do a short sale and again I sent them my packet three times. Again, they lost it. With Saxon, they don't return your phone call. It's like they want me to lose my house.

The same year when I started this remodification, my mom and my wife died in the same year. I lost my job. It was a misunderstanding in my part, but they still fired me knowing my mom and my wife were dead. The stress caused me to seek medical help.

I was in the process of getting a home modification with my mortgage company, who was Taylor, Bean and Whitaker, at the time when they sold to Saxon. Ever since that, it has been a run around. First, they couldn't find our information. Then they let me apply for another modification and I kept in touch and they assured me every time I called that everything was going fine. When after a few months they deny me because they say I didn't send all the documents in. This has happened twice both times. I kept in touch and they assured me that they had everything they need.

Now they are in the process of foreclosure. They don't even have the correct property address after multiple times of me telling them they have the wrong physical address. I don't believe they ever had any intentions of working with us at all.

I am a 3rd party representative working in Loss Mitigation on behalf of the borrower. I work for them with the mortgage companies to help them with modifications. I have been working on a modification for a borrower with Saxon Mortgage since March 2010.

Finally, in August 2010, Zenta (3rd party outsource for Saxon) informed me that the borrowers I represent were approved for a modification (in-house because they "defaulted" on the HAMP "supposedly"). They were to be receiving a FedEx or UPS and to sign notarize and send upfront funds (personal check would be fine) of $75.29 back to Saxon by 8/15/10 in the return envelope included. The borrowers complied. Come October, their first payment of $787.41 was paid and then Saxon sent them correspondence that their modification was closed for not receiving the documents. But they cashed the check that was in the same return envelope as the signed and completed documents.

On 10/5/10, a "work order" was opened to investigate these accusations. But as of 10/12/2010, today, no response received. The "supervisor" stated that to just call back every couple of days but that more than likely the borrower would just have to resubmit the file for a modification. I responded with how was that supposed to be fair when it was a screw up on Saxon's part. They cashed the check, but lost the documents and now the borrower is penalized for it, she said "It's oh, well." I'm flabbergasted at how you call Saxon and they have no corporate office to complain to. Customer service tells you that you have to speak with the department supervisor, but 3 different supervisors told me the same thing.

I am submitting complaints to all government offices handling consumer fraud and I will go as far to the top as I can including calling every news station and government official to handle these complaints including off of this website. The OCC has already been made aware of Bank of America. What a shame that these representatives forget that they are consumers too, but "It's oh, well" I guess.

I have a mortgage with Saxon Mortgage since 2001 and have an automatic withdraw set to take my mortgage payments out on the 6th of each month. Over the last 3 months, Saxon has not been deducting my mortgage payment on the scheduled date and I have made over 7 calls to Saxon trying to get them to deduct the payment on schedule. Saxon was not able to provide an explanation or resolve the problem for over the last 3 months. In August, mortgage was deducted on the 12th and I was showing past due for those 6 days. Again, in September and October, my mortgage payment was not taken out on the 6th. In September, after 10 days of Saxon not resolving the problem and my account showing that I was 10 days overdue; I had them manually take it out on the 16th.

Saxon would have allowed this to continue if they were not confronted. Every call that I made ended up with Saxon stating they will fix the problem. Not only have I been showing that I was past due, but also got a statement in September showing a late fee of $35.44. I feel that since I started paying additional principal to pay off my house, Saxon is trying to collect extra days of interest by not posting and withdrawing on the 6th. Due date has been on the 6th since 2001 and I have not authorized any changes to that date. I think Saxon is in violation of Federal Regulations. During a conversation with Saxon it was suggested that my due date was not on the 6th. Saxon also stated that I didn't have to worry because I had a 15 day grace period. (Some of these conversations were recorded).

I have had the worst experience with Saxon. We did the whole modification. It took 11 months and saved us less than $50 a month. I have been told by Saxon I should be grateful. I am not grateful. I paid every month and I have received a notice that I am behind one month. They say that I never paid May. I did. In fact, I paid the trial payment and then they called and asked for the difference so I paid that too.

I have had 12 customer service people tell me that they will fix it, it will only take them a few seconds to put in a work order request and it will be all set. They have all told me that they do see the payments. I have also had one person tell me that I had supposedly bounced a payment in July. It's not true. I think I would have noticed the extra $1400 in my bank account! Then there was this one lady, ruder than rude who just plainly came out and told me to stop calling on this and just pay it.

Saxon took the payment and applied it to whatever they felt necessary at the time. I was not going to see that money applied to any of my payments. She said she can send out how my payments are applied but they can make that say whatever they want. I have a copy of one I requested before and it does show all the payments. I was then told that I need to contact my bank, get proof of every payment for the lat 24 months, put into writing the problem and send it certified mail to them. In the meantime, they are starting foreclosure proceedings on my home and I am not 90 days.

I pay everything but that one month they say I owe. They are trying to surprise us with the foreclosure. If they are going to foreclose, then I wouldn't be paying them anything and saving my loan payments for a security deposit. We have tried for a temporary in-house modification with Saxon, but they keep claiming not getting the paperwork, no matter how many times you send it. I have been trying to see what they could have used my May payment on but can't seem to find it. My loan before HAMP Mod was $119,029. After that, it was $131,278. I am pretty sure everything was all set. Oh, and if you have someone that comes to your house and takes pictures of it while you are waiting for your modification to be finalized, you'll notice that you paid for that. It's $250 every time they come.

Saxon Mortgage is about to take my home as I found out by calling them yesterday. I have been trying to get them to modify my loan for over 3 months now and they keep stalling. I have just submitted the in house loan modification form they finally sent me and I need everyone's advice on what to do now. I can see from reading everyone's comments that I am in for a long road. I have until November 9th to somehow fix this or the house goes up for sale.

I can't let my family down and lose our home. If anyone can, please email me and offer me some advice based on your experiences. That would be so greatly of you. I do not want these crooks taking my home. My email is **.

Saxon purchased my mortgage from Novastar. Then one year later, the mortgage started adjusting well it doubled. I had two mortgages for a 95% value. After the economy crashed and my husband lost his job, I started struggling to make the payments.

I called Saxon and was told to apply for assistance. I did so immediately. I waited after a month and I called HOPE for homeowners and they took all my info as well contacted Saxon. Saxon assured them everything was in the process. I called once a week, nothing. They would take my info again, then ask for updated information to be faxed/mailed in. Every time they asked it was sent, they could never find it or I would be connected with an extension for a person who was suppose to handling my account for review. I'm always leaving messages and never getting called back.

Two years of this happened. I was told to save my money to use toward the refinance. I would send what they asked for and they would continuously not get the information sent or still need something which would keep the file from being updated. Finally after Obama signed okay for assistance, they called me and offered me a deal: a three-month trial which I agreed to over the phone. That only applied to my first mortgage and decreased the payment by $500.00 a month. It was suppose to be for 30 years locked in according to the phone conversation. Then I received in the mail a totally different plan, one for 40 years which increased after the third year, adjusting again and then after the 40 years I was still going to own $90,000.00 on a $150,000.00 mortgage. Seriously? I am not real smart per se but absolutely not. Again, I was on the phone of course. Every time you call, it takes an hour to finally talk to someone; then no one knows anything about what you need or what has been done so far, it's crazy.

However, the worst was yet to come. The foreclosure moved forward. One day before house was set to foreclose, I was called and told it could be stopped. Saxon said I was eligible for modification. I explained the house was set to sell the following day and I was told if I wanted the modification, they could stop it. Of course I wanted the modification; so I was told that it was stopped and the sale would not go through it was frozen.

Guess what, people: it was not stopped. Two days later, I received notice from the courthouse that the foreclosure happened and that my house was gone. I called Saxon who told me that according to their records, my house should have been frozen but that the mortgage was sold the day after the foreclosure to Ocwen. They say I could contact them and they would call back the mortgage. I called them and they were also a subsidiary of JP Morgan like Saxon and the company before Saxon, Novastar. They said, no, they don't do that.

What? So I was then kicked out of my house by a property management company and am currently living with a brother who is suffering with trying to escape the same fate. Saxon should not be able to run a company the way they do, stealing peoples hopes and dreams, not being fair or held to some guidelines about what lies can legally be said to a customer regarding legal records and customer service requirements. I will never do business with a company I cannot walk into again. It's just not good business.

On August 5, 2010, my husband and I were approved for a Home Loan Modification. We received an email of the Loan Agreement, as well as FedEx of the documentations. They asked us for certified funds in the amount of $7,594.85, and the paperwork notarized and sealed. We went to our local bank, which is Commerce Bank, and had everything done. All the T's were crossed and the I's were dotted. They wanted the package by Aug 20, 2010. They received the package which was signed for on August 18, 2010.

I get a letter from Saxon stating that they have determined that they are unable to assist me because they are missing the notarized paperwork. They got my check, cashed it, and it is in holding. They are trying to find our paperwork now for two weeks. The only mistake I did was not make copies of the original notarized paperwork. I do have copies that I can get notarized again, but in New York they can not back date by law the notarized paperwork. The woman who did the notarization was kind enough to write them a letter stating that we were there on the 15th of August to have all our paperwork signed and sealed.

I just do not understand how this company is getting away with this. They get our check, cash it, but the easy part on my end was the paperwork going missing. I have read online about this institution, and I feel we are being scammed. I have two children under the age of 7, a dad living with us who is 80, and my husband and I are two very hardworking American individuals. We are getting shafted. I sent out the paperwork again, did certified mail, and they still did not get the paper work.

Please, someone needs to help my family as well as others who are dealing with these lying crooks. We want to get our life back. Our home is back into foreclosure, we are terrified. The home we live in was built upon my hard working mother- and father-in-law who had a home, sold it, and gave us the money to put a down payment on this home. They are unprofessional, irresponsible, negligent, must I go on. But they received my check. It just doesn't add up at all. I do not know where to turn. We are heartbroken. Someone needs to come down on these people.

If you can help us, please let me know. Thank you so much for reading, or even trying to help us.

Saxon is awful and if you are dealing with them, hold on, it's a bumpy ride.

Our mortgage was bought by Saxon in 2009. We wanted a loan modification, filed the paperwork four times because the first time they put random figures in. They had my Toyota payment as $1950 a month! Everything was messed up. Finally thought it was all fixed when we got eviction papers taped to our door. I was assured they were a mistake and we were approved, then got eviction papers taped to the door! Again assured by Saxon it was a mistake and we were approved. Went to court and found out they "accidentally" sold our home! We were told we could fight it but the court costs would be in the tens of thousands. They have put us through hell. They should be out of business.

I too was a victim of Saxon mortgage. They foreclosed on our property in 2--4 saying I was three months behind which actually was only one month. I sent them over $5000.00 and it meant nothing. The attorney they used never returned our calls. They never sent the proper forms to our home address. I have been complaining about this to everyone in government for years but still no investigation into Saxon mortgage. Why?

I was behind in my payments for 2 months. I talked with a gentleman and he was to help me out. On Oct. 2008, I had to send them $5,000.00 which I did and my payments were changed from 23rd of month to 5th of every month. He was to be modifying my loan. Then in Feb 2009, I was to send another $5,500.00. At the same time, I was making my payments by wire transfer from Wachovia bank to Wells Fargo bank which Saxon uses.

All my payments reached before due day. I kept getting calls from collectors at Saxon wanting payment. I would talk to 3-5 times a week and try to explain that I was being supposed to be on modification. They claimed they had no records of it. So here I go again sending every piece of paper to them they ask for and payments as well and getting collection calls. All this time unknown to me, even though I was making payments when I was told to, they were charging $75.00 per month late fees.

I would try and explain that i had it in writing that my payment date had changed. They said it didn't matter after paying all that money and never missing a payment. I am now $2,800.00 behind. When they call, no one can explain except maybe late fees. I also have over $700.00 in suspense money they say they don't know where to apply.

Anyway, in the two years from Oct 2008 until today Sept. 27 2010, they have made me re-apply for modification over 5 times with 5 different people and I only talk to them the one time. I never hear from them again until they say paperwork has expired or been lost and then it is a different one. Also in Feb 2010, they called and said I was past due over $4,000.00. All I could say was, "I don't know what to tell you." Then about three weeks later, another collector called and said same thing. I explained to her I have made all my payments on time since 2008 and then some. She checked into it and came back and said they were redoing their computer system and had some foul ups. She fixed all that (i think). Anyway, I have not had any help from Saxon Mortgage.

Over the past several months, I have been dealing with multiple representatives, since my mortgage account was transferred from AmTrust to Saxon. I have not been more than 30 days late on my mortgage, yet they put my payments in suspense status. I received a call recently, stating that my account was 52 days in delinquent status, which was incorrect, because they held my payments in suspense, so I was not getting credit for those payments. In addition, while trying to go through the "Making Homes Affordable Program", it took them 4 months to approve me in the program, after I had provided Saxon with every piece of documentation they requested.

I recently started the program, and was told that my payments had to be made on the first, and no later, so that's what I have done. On 09/24/2010, I received a letter dated 09/18/2010, stating that they have not received my first HAMP payment. The check was processed on 09/07/2010. No can give me a legitimate answer as to why they continue to put my payments in suspense. The closest answer I received was by a gentleman named Brian, who stated that in order for me to qualify for the loan, I had to be in default on my mortgage.

Which I later discovered, was not true, when I contacted the actual head governmental office of the Home Affordable Modification Program. I am also being penalized because I'm in the program, although I continue to make my monthly payments, by them reporting on my credit report that I am late, which is affecting my credit score, and my chances of refinancing my loan, because it appears that I have not been honoring my mortgages.

Saxon Mortgage originally charged us $175 stating that it was for a property assessment. After speaking with several representatives, we were told that they can charge us the fee. I explained that they could possible charge us for the fee if we were in "foreclosure." Later, when we received billing statements, the fee is now addressed as $117. When we called to ask what that fee was for, the reps said BOR and that when the loan reach default they (mortgage companies) can charge a BOR fee. More money we pay goes towards interest and less to principal because of all the fees being charged and making the mortgage difficult to pay and be truly caught up.

I always pay my mortgage payment toward the end of the month because that is when I can afford it. I usually have to add in late fees but I do pay them. Last month I got a notice from a credit company that Saxon reported our mortgage payment as 30 days late. We have never even been close to 30 days late. I have now called 15 times and spent countless hours being routed through a variety of customer service reps who cannot tell me why Saxon reported our payment as late. I was told to fax a copy of our credit report with the information to them which I did. A friend told me that Saxon did the same thing to them.

They hired a lawyer because they found out that when a late payment appears on a credit report a customer of Saxon finds it hard to refinance. This allows them to keep you locked in to a high interest rate. I have notified the credit bureaus of false reporting and now I am receiving 12-15 calls a day from Saxon asking for my July payment which has been made and which cleared my bank within the 30 day period. I gave them all of the details about the July payment and even faxed a copy of our bank statement showing that the funds have been removed but they continue to call. We are currently planning to get our landline disconnected so that we can avoid calls. My husband is looking for a lawyer we can afford. I have spent countless hours on the phone and we now have our first ever black mark on our credit report. Who knows how long it will take to clear it?

I am an insurance agent for a client that has a mortgage loan through Saxon Mortgage. The loan was transferred to this lender in March of this year (2010). The customer has had their homeowners insurance through my agency since 2004 with the same insurance company and premiums are collected monthly by the lender to pay the premium from the escrow account. This year, the annual premium came due on August 5, 2010, and they did not pay the premium and in fact sent it to the wrong insurance company.

When we found out, we contacted the insured and the mortgagee trying to get the premium paid to prevent cancellation. They promised they would overnight the PMT, but never did. We have now spoken with several different individuals on numerous days and they still have not paid the premium and consequently the customer has no insurance. If the home burns, they have no coverage. The customer does not have any extra money to start another policy. This mortgage service department even went so far as to tell me that I should write the insurer's coverage through a different insurance company as they did not have payee code in their system. Talk about a bunch of **!

I have just been on hold for 35 minutes waiting for them to work at the problem and this has been without success. What this amounts to, in my opinion, is consumer fraud. They have been collecting the clients' money in monthly installments, using it for their gain and then refusing to pay the insurance premium as directed by stalling, stalling, and stalling! Even though I have given them detailed information on who to make the check payable to and whom to direct it to, also asking for an overnight PMT, they still tell me it will be 3 to 5 business days.

I have heard promises from them before. It has now been 10 days since they agreed to overnight a PMT the last time we called. In the meantime, my client is still without insurance and I can't help them at all. These are two hard working individuals that work the overnight shift at a Walmart Store, and for them money just doesn't grow on trees. I really feel terrible that I can't fix this for them. I can only vent on this website and let others know.

The physical damage remains to be seen. If the customer has a fire or storm damage or destroy their home, they do not have a policy protecting them because the lender has not paid the premium and appears to be stalling.

I gave my boyfriend information to refinance his mortgage at a lower interest rate with a government loan. He is disabled due to a broken neck and back. He was an operating engineer but now lives on a fixed income. Plus, he is raising his two teenage boys. He refinanced with Saxon Mortgage at a lower interest rate. His mortgage payment should have been significantly lower but is now higher than the original mortgage payment.

The first time he contacted them, they said they made a mistake and doubled his property taxes, and they would fix the paper work and send it out to him. He waited and never received anything. He contacted Saxon again and spoke with someone who identified himself as the president. He apologized and promised it would be corrected, and they would send out the paper work as soon as possible. Again, he received nothing.

I googled Saxon Mortgage and found numerous complaints and similar stories. What a scam! He is so stressed out. I'm afraid he will have a heart attack. I feel responsible since I gave him the information to "help him out" and it has been nothing but a financial hassle ever since. Consequently, his mortgage payment is $500.00 more than the original mortgage. He has been struggling for 4 months to pay it in order not to receive penalties. This is extortion, plain and simple, and his children are the ones that are suffering for it.

I also have been a victim of Saxon and now Deutsch Bank. We have a group of attorneys now who are excited and willing to start a class action suit against them. I live in NH. I know these same 2 companies are doing this to people across the country. They need to be stopped! They are giving people loans who really shouldn't have even qualified for them, reselling them, taking out insurance policies against the event of foreclosure and actually finding any way possible to foreclose so they collect 3 to 10 times on the policies they've taken out, then resell your home! This has got to be stopped! If you're interested in joining this class action suit against Saxon/Deutsch please email me at ****. I heard that Saxon settled in Massachusetts for $117 million dollars to avoid going to court and $57 million went back to people like you and me! It's time to stop them! Join the force!

In 2009, after many late payments, tons of late fees, and dozens of phone calls to Saxon, we prequalified for Saxon's HAMP program we applied for. Our monthly payment before this was $722. Our trial "period" payments were over $1200. This made it much harder to pay. Saxon said that it was higher because they had to include an escrow for our property taxes and homeowners insurance, even though we had our own insurance all along. We struggled but paid every payment during their trial period which lasted supposed to be for 3 months.

And then, they sent a letter and said that we had to do it for 3 more months. And they weren't even clear as to why. Each time we called, we spoke with a different person. And they would say they didn't get our faxes or required documents in the mail. After about 7 months, they sent us a letter saying we were rejected for the HAMP program. We spoke with some close friends about this hell we are going through. Recently, we researched and have discovered oceans of others going through the same kind of torture.

Perhaps the end is near for us as Saxon recently sends us computer-spit-out letters of intent to accelerate (which were different each month for a few months depending on how much we paid) and recently started sending our payments back to us. We have paid them about 11 thousand dollars in about a year, with nothing to show for it except bank records and uncertainty. We are now searching for an affordable lawyer because this is a "David and Goliath" kind of fight, and feels like we are losing. We have always tried to pay our bills. They were often late but we paid. Our credit scores are horrible now so we can't get help with anything. And Saxon knows people cannot make these payments. Yet, they still get paid to do the HAMP modifications.

It is shameful what they are putting people through. This should not be allowed. This has got to be illegal! Tons of people applied and qualified for this HAMP program with Saxon. But they don't care if the houses foreclose. They just don't care. We love our home. It was supposed to be where we would grow old and raise our children, the American dream of hard working people like us. Now I can barely focus on work and I lose sleep worrying that we will more than likely lose it any day.

We have a variable loan with Saxon Mortgage. When we realized that the interest rate would go up and we would not be able to afford it, we had called Saxon to help us modify. Refinancing was out of the question because we bought our house for $430,000 and now its value at around $270,000. My husband and I have owned two other properties and have never fallen on our payments. We had planned on living in this house until our children went to college. We have been back and forth with Saxon Mortgage and have dealt with many people there.

No one seems to know what is going on. We have sent in the loan modification packages 5 times and still no one knows what is happening to our loan. About 6 months ago we were approved for a trial in which we paid the amount for 3 months and on time. We were shortly told after the last 3rd payment that we were not approved. We have been threatened with foreclosure unless we come up with $40,000. It's insane what this company has done to me and my family. We are in such stress not knowing what will happen. My husband and I do not want to lose our house.

We know that we can afford to stay if they would help us. Every time we call no one has seen any of our paperwork. I really would like to join all these hundreds of same complaints in a class law action suit. I can't believe that so many people are going through the same problem as we are and this company is still running with no consequences. This company has caused us lots of stress and now our credit has been ruined because they refuse to help us.

Around February 2009, my fiance was laid off from his employer. As a result, we were struggling with our monthly mortgage payment. We contacted Saxon to start the home Modification Process. In March 2009, we were offered Mortgage Relief (Home Modification) through Mortgage Solution Experts, which was the recommended company by Saxon. We were emailed all of the documentation that we needed to fill out to apply for the Home Modification. We also had to pay an application fee of $1,290.00.

In May 2009, we were notified that Saxon had not received all of the information needed and we had to resubmit all of the documentation. We were told not to make our payments as the interest rate and loan payment would be recalculated once we started the trial period. In June 2009, we received a letter stating that we were in default and that they were going to start foreclosure proceedings. We contacted Saxon and were told that they had so many departments and to disregard the letter as they would be sending out a trial period payment schedule.

In August 2009, we were notified that through an entity known as "Making Home Affordable" that Deutsche Bank, National Trust Company, as Trustee for Novastar Mortgage was granting us a trial period for a lower payment and principal and interest in the amount of $1,651.56. We signed the documentation and payment started. We made every payment from August 2009 through June 2010 and even received receipts back from Saxon verifying payment. In Nov 2009, once again Saxon contacted us to say that they had not received all documentation and for the third time we sent all of the documentation needed. We also received a letter stating that our trial period was extended.

When ever we contacted Saxon, we never spoke to the same person. We always got the run around. The most famous saying was we have so many departments that our financial department did not get the information to the home modification program, etc. Time passed and we thought everything was fine, we were wrong. In April 2009, a year after we started the process, we were told that we did not qualify for the loan modification. We called and they told us that we needed to come up with over $7,700.00 in arrears. Jill Y. is one of the people we spoke to on this subject and she was sending us out instructions on ways to pay the amount.

We were in the process of getting the money around and waiting for the documentation back from Saxon and a few days later the sheriff came knocking on our door with court papers stating that we were being sued. We contacted a lawyer immediately. I do not see how Saxon can get away with this. Initially we were told that the Loan Modification would take 3 months and it ended up taking over 1 year. The employees at Saxon had no idea what they were doing and half the time could not give you the information that you needed.

After we received the court papers, Saxon sent us ways to pay it. Ha, that was a laugh they sent us information on how to start the loan modification all over again. The court papers stated that we had not made a payment since October 2009, but we have a receipt from Saxon stating that Octobers Payment was paid. I have letters and bank statements supporting that all payments were paid for the trial period and after. We sent Saxon certified checks and mail to cover the arrears and are waiting to hear back from their lawyer. Something needs to be done about this company. They have pulled the same thing with people across the country. When is someone going to step in and do something. We have had to hire a lawyer which has caused extra costs. Our stress level is so high and we don't know from day to day what they are going to try and do next.

Around February 2009, my fiance was laid off from his employer. As a result we were struggling with our monthly mortgage payment. We contacted Saxon to start the home modification process. In March 2009, we were offered Mortgage Relief (home modification) through Mortgage Solution Experts, which was the recommended company by Saxon. We were emailed all of the documentation that we needed to fill out to apply for the home modification. We also had to pay an application fee of $1,290.00.

In May 2009, we were notified that Saxon had not received all of the information needed and we had to resubmit all of the documentation. We were told not to make our payments as the interest rate and loan payment would be recalculated once we started the trial period. In June 2009, we received a letter stating that we were in default and that they were going to start foreclosure proceedings. We contacted Saxon and were told that they had so many departments and to disregard the letter as they would be sending out a trial period payment schedule.

In August 2009, we were notified that through an entity known as "Making Home Affordable" that Deutsche Bank, National Trust Company, as Trustee for Novastar Mortgage was granting us a trial period for a lower payment and principal and interest in the amount of $1,651.56. We signed the documentation and our payment started. We made every payment from August 2009 through June 2010 and even received receipts back from Saxon verifying payment. In Nov 2009, once again Saxon contacted us to say that they had not received all documentation and for the third time we sent all of the documentation needed. We also received a letter stating that our trial period was extended.

When ever we contacted Saxon, we never spoke to the same person. We always got the run around. The most famous saying was we have so many departments that our financial department did not get the information to the home modification program, etc. Time passed and we thought everything was fine, we were wrong. In April 2009, a year after we started the process, we were told that we did not qualify for the loan modification. We called and they told us that we needed to come up with over $7,700.00 rearrage. Jill ** is one of the people we spoke to on this subject and she was sending us out instructions on ways to pay the amount.

We were in the process of getting the money around and waiting for the documentation back from Saxon and a few days later, the sheriff came knocking on our door with court papers stating that we were being sued. We contacted a lawyer immediately. I do not see how Saxon can get away with this. Initially we were told that the loan modification would take 3 months and it ended up taking over 1 year.

The employees at Saxon had no idea what they were doing and half the time could not give you the information that you needed. After we received the court papers, Saxon sent us ways to pay it, ha that was a laugh, they sent us information on how to start the loan modification all over again. The court papers stated that we had not made a payment since October 2009, but we have a receipt from Saxon stating that October's payment was paid. I have letters and bank statements supporting that all payments were paid for the trial period and after. We sent Saxon certified checks and mail to cover the rearrage and are waiting to hear back from their lawyer.

Something needs to be done about this company. They have pulled the same thing with people across the country. When is someone going to step in and do something?

After a very long process that began in September 2008, we were approved for a Making Homes Affordable modification program through Saxon in June 2009. Our first payment was due July 2009 and we made that payment on time and continued to make all payments on time through April 2, 2010. Every time we called Saxon to find out when we would receive final notification, we were transferred from department to department and were always told that they were working on the loan and it was taking longer than expected because they had so many to process.

In April, we received a letter stating that our loan was being transferred to Ocwen and another letter the same week saying that our loan modification had final approval and we would be receiving final paperwork in the mail. We never received that paperwork. They also did not forward our April payment information to Ocwen.

It took two months for Ocwen to accept our proof of payment for April but then we found out that our loan modification approval from Saxon was null and void and we would have to start the process all over again. Now, Ocwen is requesting our current financial information and not even taking into account what originally caused our loan to default back in 2008 (loss of my job and reduced income) or the bankruptcy that we ended up having to file in 2009 while we waited for Saxon to make up their mind about our loan modification!

I don't know what they did with all the payments that we made through the 10 month "trial" payment period. It's all very overwhelming and I feel like we spent two very stressful years working with Saxon for absolutely nothing.

I was accepted into the HAMP program and began my "trial payments" in July 2009. The 3-month trial period kept getting extended as I was told they could not process the paperwork due to so many applications. I was also repeatedly asked to resubmit "missing" documentation; many phone calls. You know their story! By January 2009, I was told that paperwork requests were in error and that all was received. At the time, I was transferred to underwriting, and was told it would take approximately 30 more days to complete.

In March, I was told I was approved and would receive the final paperwork in 30 days. On about April 5,I received a letter stating that my loan was being transferred to Ocwen Loan Servicing on April 15. My "final" HAMP paperwork arrived April 12 without time to review or return prior to transferring to Ocwen. The final paperwork stated I had 20 days to do so. I immediately called Saxon who stated this would not affect my HAMP finalization and that Ocwen would complete it. Wrong! I received approximately 20-30 pieces of mail from Ocwen. I had several different amounts due for my mortgage, etc. The HAMP paperwork fell off the planet. I faxed them to Ocwen as requested. Ocwen began telling me my mortgage payments (to Saxon) were late, etc. Now I am hearing the same thing, missing paperwork, start over, etc.

I believe HAMP was used by Saxon as a collection tactic. It appears they never intended to complete this and collected additional interest at the higher (predatory) loan rate. I am also wondering if they received the $1000 bonus for finalization? I have reported it to the attorney general of my state and several other government agencies. I urge you to do the same! At this time, I am to return copies of cancelled checks to prove what I have paid and to provide supporting documentation of the events. Plan on this in your on case. Additionally, Deutsche Bank is the investor on this final HAMP modification contract (which arrived overnight and is 20-30 pages in length). Now, per MERS loan look-up, since it has transferred to Ocwen, the investor/owner is listed as Morgan Stanley.

To date, Saxon has collected approximately $11,000 in HAMP trials without modifying the loan. My loan is still at a higher interest rate and not modified. The loan services are still charging an extra $500-$600 in interest on my account and have created an additional $7200 in interest debt annually by not complying and/or evading HAMP finalization. Ocwen is charging an illegal $55/month late fee by not posting payments as they are received. According to my new statement, Ocwen is also charging new fees for foreclosure servicing and Saxon has racked up approximately $950 in additional fees during the modification period.

Like so many others that have filed a complaint, I too am a victim of Saxon's underhanded practices concerning a loan modification. I was told that during the modification program, my interest rate would be reduced from 9.5% to 5.5%. I was told to make sure the new lower payment was in their office on the 1st of every month. They said that they could not guarantee approval but should know it in 30 to 60 days. I paid the new amount faithfully every month as they continued to tell me it could be another month. Well, it took a year and they told me I did not qualify. So at that time all the difference between the old and new payment, $3,600.00 became instantly due, and my % rate went back to 9.5%.

The main economic consequences are: I don't have $3,600.00 extra, plus they immediately reported to the credit bureaus that I had missed payments and it ruined my credit rating. I never missed an agreed upon payment.

Enough is enough! We signed our three-month trial period with Saxon on May 24, 2009 and have made every payment to them on time. We have been told that we were approved, then we were removed because of non-payment. I have sent proof that they received the payment, so it was reinstated and now being removed again because they are claiming that we had a late payment. I thought I was doing the right thing by sending overnight through the post-office and they are now claiming that doesn't prove that we were sending the check. Also, we were told that it doesn't matter when the payment was received, what counts is when they are posted.

So in other words, it can sit on someone's desk until they are ready to post it. Went to a lawyer yesterday because we are being told that we are being put in foreclosure status unless we come up with $38,000. Also, our $240,000 load has increased to $260,000. The lawyer called the law office that Saxon uses and we were told that they no longer work with them that and that they have dropped Saxon. We then called the law firm that sent us the paperwork of foreclosure in March for the non-payment and they had our file but was sent a letter from Saxon in April saying that no additional service is required. As of yesterday, they had nothing in their system with our address to start foreclosure.

I was shocked when I started reading the postings here and how similar they are to our situation. Is there a lawyer out there that is willing to take on all of our cases? I have heard that there has been two cases where people like us went to court and the judge voided their mortgage and their house was theirs free and clear. I am very interested in a Class Action Law Suit.

In 2006 I refinanced my house in VA with Saxon Mortgage. Later that year my wife and I separated and later on divorced. On our separation agreement and divorce papers states that she was keeping the house and that she was to be the one making the monthly payments. On 2009 I found out that she was not making the payments and Saxon initiated foreclosure procedures. The house was sold on May 2009 and Saxon reported it to the credit bureau as RF (repossession and foreclosure) which I believe is incorrect, because the house was sold. I tried to have it corrected but they would not do anything about it. I was even told there was nothing I can do and that I have to live with it. I guess they do as they pleased, got their money and screw me. I believe there is nothing else I can do about it, the big fish ate the little fish and I will work around it. My credit is negatively affected and if I applied for any loan in the future I am going to have a lot of explaining to do about it, also minimize the chances of being approved.

Saxon, our mortgage company, is our lender. We have been trying to get a modification on our mortgage for almost a year. They told us to make 3 $4000.00 payments in order to qualify for HAMP modification. However, we received a letter last month saying that we do not qualify for modification. The letter states that in order to qualify for the new mod, we need to sign new docs and send the papers back with $6000.00 check. I wanted to tell you that I am recovering from leukemia and bone marrow transplant. I have not been able to work since, I am receiving social security. Our kids were raised in this house and it will be great hardship if this ends up losing our home. I have told Saxon that we will be able to make $1500.00 payment a month. So far, they have not agreed to this.

About a week later, they screwed up and told us we needed to start all over. The outside company was US Loss Mitigation, along with Schultz N Schultz and Saxon. They confirmed with me that they worked with them all the time. I tried to contact the person assigned to us at Schultz N Schultz and their number and email addresses were no longer valid or in service.

I have been attempting to work with Saxon ever since to do an in-house loan modification. We started making payments again and we were finally told, by Saxon, to not make payments as the funds (sent via Western Union) were not applied to the mortgage. It is because until the loan modification was complete, we technically had no account with them. They have $9,736 of our money in a so-called reserve account. They always screwed up our paperwork, and after about six attempts at a modification, we got approved on April 2nd of 2010.

I was told an approval letter was coming, along with the final paper work that my husband and I needed to sign and get back to them. I was calling them weekly to keep on top of it. Then after about a week and a half or so, I called them again because I got a denial letter in the mail. By this time, I was really upset! I was told I was denied because they didn't receive my final paper work back. I complained and told them that I never got it. After looking into it further, the lady on the phone, whom I have her name and ID number, told me it looked as though my final paper work had been requested, but she didn't show it was ever sent to me.

She put me on hold to get a manager. She stated that she was going to try to get the approval reinstated. She came back and told me that the manager had found where the paper work was sent to me via UPS on April 7, 2010. She added that the denial stands, and we would again need to start over. We did this through the first of July 2010. We were denied due to not making payments and we were told that they would proceed to a foreclosure. To boot, they have filed for foreclosure and a judgment was given on us in December of 2009. We never got served or anything, even from their attorney. We immediately called several attorneys, who have all heard of them. The one we have chosen was the one who found out what they have done to us.

We have now filed for Chapter 13 to try to keep our house. Our attorney said this will immediately stop a foreclosure. I also filed a complaint with the Better Business Bureau (BBB) on their website, and I found that Saxon has a D- rating. Including my complaint, they have 200 complaints filed against them in the last twelve months, and they have 660 complaints in total. I don't see how this place gets away with doing this to innocent people, who are just trying to lower their payments in these times we are in. I say that every one of us who filed complaints should get together, split the cost and file a class action suit against them for illegal work practices. My credit rating is now shot, and my home is in foreclosure. I wasn't even served or contacted by their attorney. I was approved twice and they screwed up every attempt.

We had Saxon and tried several times to a loan modification and kept getting denied. The last time we did they sold us out to Ocwen who then upped our interest to 9.65% and tacked on over $3,000 in interest. Now, they are wanting a $5,000 payment and are threatening with foreclosure. Help. What do I do?

We have been pleading with Saxon for two years to lower our monthly payment from $3400 because my wife, Mary, lost her job two years ago and is still unemployed. They have sent us several modification and not of them are ever right. We were on the (HAMP) government program but yesterday we received a letter stating that we sent them a letter stating we no longer want the government (HAMP) program. They had reduced it to $2417 for almost a year, but when we received the modification they increased it to $3116.

We have had three modification lawyers and that is were we are now working with an attorney. Saxon refused to adhere to the government program. On July 6, 2010, we received a letter from them stating we were removed per our request and we have never written them or given them an oral request to be removed from the government affordable program. Our credit is poor because it has caused us to be delinquent on our mortgage and it shows on our credit report and they are predatory lenders who refuse to make it right and help with a lower payment.

I tried to call this company to find out why they were showing on my credit report. I kept being put on hold and being asked for more information and finally cutting off the call. I started at 8 pm and finally at 10:30 pm I gave up. I really believe these people are very unprofessional and did not want to answer any of my questions. Sounded like something fishy is going on with them.

When I became divorced I left my wife the house. It was agreed that the wife would refinance the house within 90 days and if not it would go on sale. From what I understand my ex-wife was able to refinance the house with a short sale through Lend America. I signed off all rights to that home with the understanding that my name would be off the loan. Saxon Mortgage is showing up on my credit report and I am having problems trying to finance a home, a rent with option to buy. I have tried talking to them and they will not stay on the phone long enough to answer my question, "Is my name still on that account or did someone illegally sign my name?"

During the recent inflation and mortgage fiasco - my property value went totally upside down. My home had previously appraised @ over $200,000 - was now worth $134,000 with a mortgage of $179,000 - totally upside down on my mortgage. To make matters worse my adjustable went from 7% to 10.12% seemingly overnight - a $500 increase in my mortgage payment causing me to dispose of over $9,000.00 (recorded) from my personal savings - just trying to do the right thing and to keep up with my mortgage payment. Needless to say, it almost devastated my family finances.

Aug.1 2009, I filed for a "Home Affordable Modification Program" with Saxon. By Aug 30 2009 all supporting documentation was submitted including a full copy of my 2008 Federal and State income taxes - that included my "Schedule C" for my little home based business. This is when the fun starts. By 5 Sept 2009 Saxon started sending me letters in reference to missing docs i.e. my Schedule C. By 10 Sept 2009 I had responded to Saxon in writing that my full package had been submitted. I then made a phone call to verify and Saxon confirm that they had a full pkg.

On 30 Dec 2009 and after eleven (11) or more frustrated phone calls - thankfully I documented them I was informed by Saxon that my modification application had been denied because I had failed to submit my profit/loss documentation from my home business. Now--per Saxon I owe them $3,100 in back pay. And proceeded to foreclose on my residence. Keep in mind I made all my monthly payments--but Saxon did not apply my payment to my mortgage (documented and relayed to Saxon. Yet they still charged me all kinds of miscellaneous charges and sent people to my house to take pictures in prep of foreclosure.

The economic damages are: My mortgage at the time I applied for the modification was $1,928.00, during this three month trial period while Saxon reviewed my file--they set my payment at $1,298.00--of which I continued to make my payment. That only leaves $ 630.00 per month in arrears or a total of $1,890.00 - of which I intended to pay. Saxon now claims that I'm $3,100.00 in arrears. I need some help and I would like to file charges and/or a formal complaint on Saxon all the up the chain. I can just imagine if they are doing this to me--how many other folks they have ruined!

I applied for the HAMP modification over two years ago. It was a nightmare. I always did what they said, on time, never missed a payment. They lost all my paperwork repeatedly, they assured me that they would not ruin my credit, not add to the principal, and there would be no hidden fees. They added $4500 to my principal, put six "over 30 days late" and one "90 days late" entries on my credit that I disputed, because I never paid them late, never! They reaffirmed the late pays, it is a permanent part of my credit now. Every month new fees appear on my mortgage statements. When I call they can not explain the fees. Please tell me is there a class action lawsuit?

Last year, my family looked into the remodification program that was government-funded. We did this due to the fall in economy. We own a small used car dealership, which was probably one of the worse industries to be in at the time. So we hoped that in doing a remod and lowering our mortgage, it would give us hope to recoup from the fall in economy. Prior to looking into it, we were never late a mortgage payment.

We discussed the process with Saxon which proposed this to be a somewhat of an easy process to start. After giving them all the necessary documents they requested, they proceeded to ask us for the documents again and again and again. They said either they were missing some or there was information missing on them, which was a lie. But that's not the worst of it. After multiple representatives agreeing we had all the proper documents in, they said it was going to be delayed because the government has not released funds yet? So why would they start a program they weren't even adequately set up to do in the first place?

Now, after 16 months Saxon is trying to claim we were late on a payment, and therefore, do not qualify and that we need to pay back the debt accumulated throughout the "trial" period, which was only supposed to be a three-month process. To our acknowledgement, we were always ahead a month. We tried disputing personally and proving them documents, justifying our claim and requesting conversation transcripts which stated we were on time and OK with the payments and documents.

But miraculously, the recorded conversations started disappearing and the only answer Saxon had was that our home that houses two families and children under 7 was going up for auction in 30 days. Mind you, the only indications Saxon made to inform us of this was via phone conversation, no notice in the mail, in person, or any other documentation--just a phone call.

The story goes on, and each day, it's getting more colorful. We've hired a remodification third-party attorney and bankruptcy lawyer, and we are now going forth with hiring an attorney equipped to handle a lawsuit against Saxon. I've had it with their scams, and according to the abundant amount of stories on all the forums I've come across with claims against Saxon, it seems like the majority of all of us are fed up.

In 2002 I refinanced my home mortgage. The terms guaranteed me by the agent over the phone was bogus. Saxon - doing business under a different name, sent a "closer" which was not an attorney (and by the way, did not allow us to use our attorney to close). They changed terms, from 15 to 20 years, they added a pre-payment penalty, and they charged mortgage insurance which I was told was not needed since I was only financing 70% of the appraised value. They changed the type of residence on the contract and therefore, increased the rate. The "gentleman" showed up at our house at 9PM - 2 hours late and since there had been a number of issues which had come up, I had no option than to agree to their terms or make 2 months mortgage payments to my previous lender.

My mortgage payments had to be directly deducted from my checking account or be charged an additional fee. For over three (3) years, since November 2007, I have been trying to work with Saxon to modify my mortgage. Due to extreme complications arising from back surgery, I was left partially paralyzed and totally disabled. The medical bills, and loss of my job, left me with no alternative but to file bankruptcy - chapter 7. I notified Saxon by phone and by letter of my situation.

Per the bankruptcy court, my mortgage was to be re-affirmed however, nothing was ever provided to me or the court to be signed. Therefore, the mortgage remains as a discharged debt. To avoid foreclosure, I have continued to make mortgage payments not only per the original contract terms but, by any terms they want to apply.

1. Depending on whom I speaking with, Saxon either states they never received notice of the bankruptcy or they sent it but the reaffirmation was never returned to them or they have never received notice of the discharge or they don't know what I'm talking about. 1a. Saxon personnel has refused to give me the name of the person whom I speaking with - and when I continue to ask, have actually hung up on me. I've also called and been told they have been instructed they cannot speak to me because the eviction paperwork is being processed.

2. Saxon claimed they did not receive notice of the discharge - none of the ten (10) times it was faxed or mailed by myself, the court or my attorney. 3. Saxon refused to accept payments during the bankruptcy filing period. 4. Saxon charged bogus late charges - I made payments by cashier's check and would FedEx to their street address which provided proof of receipt. They would not post these payments for almost 2 weeks, then charging my account a late fee. When I brought this to their attention, they stated I must fax a written complaint. They ignored the fax and after the 3rd time, of providing proof of delivery date and signature, I cc Saxon on a complaint to the Attorney General of the state of TN. I was contacted and told they were researching and the fees would be removed. It then took 6 months for the fees to be removed.

5. I was charged for their time to correct their errors. 6. I was charged for their attorney fees to reaffirm the mortgage which was never done. 7. I have been charged fees, according to them, because they must have someone drive by my house each month if my payment is late to verify I have not abandoned my home. 8. I have been charged misc fees which they cannot explain and refuse to remove. 9. When asked about the mortgage modification, I was told - I did not qualify because I made too much (I'm below poverty level on Soc Sec Disability) and my income was over the required limit to qualify.

10. I was informed I didn't return the financial statement forms needed but never sent because I didn't qualify. 11. I was informed any fees which have been assessed are not due until the end of the loan but, any mortgage payments made on line must be including all fees. 12. According to Saxon, I was late or skipped payments however, I provided them with their own website payment confirmations. Now, that payment option is no longer available to me.

I could continue but, as you can tell, this could go on. I find the most difficult thing to believe is with all the complaints; nothing has been done to rectify their "corrupt" record keeping. I have even received an apology from a customer service representative over all the errors and was told she had never seen anything like this in her many years of working in the banking industry.

We have worked for over one year with Saxon on a modification. They are now saying we don't qualify because there was a payment missing. Their 3 month trial period has turned in to over a year. Now they want to foreclose and want all the money they saved us (in the past year) $26,000 upfront or foreclose. I've read everything on this site and can't believe all the people they are doing this to. I believe a class action suit is in order. This stress has been extreme and I have been out of work for a month now on medical leave. Everything that seems to be wrong with me (including a newly diag. of diabetes) has been brought on by stress. My medical bills in the past month are over $15,000.

My mortgage payments were $1,538.00. In May 2009, I was placed in the HAMP Program on a trial modification to begin for June/July and August 2009 with modified payments of $975.46. I paid these payments monthly until March 2010, when I was informed I did not qualify for the HAMP Program because my front-end DTI ratio was less than 31%of my gross monthly income. This figure was incorrect, as my income was calculated wrong to show an increase. I was served with a foreclosure notice, and I wrote a "Qualified Written Request" to dispute the amount and asked for Saxon to send me information about the fees, costs, and escrow accounting on my account. As of today, I have not received an answer (6/7/2010).

My home was sent to foreclosure on 5/18/2010, but Saxon put it on a 90-day hold to antagonize me more. I have spoken to Preston, Johanna, Brandy, Rose, Veronica, Jason, Alicia, Shaun, Ashley, Diana, Michael S, Sharon C, Chianti W, Ben, Derrick, Jay, Cheryl, Jessica, all to no avail; each of these individuals at Saxon have given me different and conflicting stories. I was told that I qualified for the Saxon modification by Rose on 4/2010 and that there was $3,304.60 in my account that was going to be needed for another down payment and if I was interested in this program. My reply was yes.

On 6/1/2010, I was called by (Saxon) Edith and told I did not qualify for this program because I did not make enough money (insufficient income). On this same day, I was called by Stephanie (Saxon) and asked to call 888-352-3502. When I called, I spoke to Tonia; and she told me that I was approved for the Saxon modification at 7.95% for five years, that my P&I is going to be $1,444.78 with an escrow amount of $320.21 which would make my new monthly payments to be $1,764.99 with a down payment of $3,171.03 to be paid by 7/31/2010 and a monthly payment of $1,764.99 to begin on 8/1/2010. I accepted this payment and arrangement and was told by Tonia that the final paperwork would be sent to me by mail within 7-14 days. Of course, I was elated as I assumed that I had finally reached a tangible agreement with Saxon Mortgage services.

I would periodically call Saxon to check on the status of my mortgage loan, and today, 6/7/2010, one day less of the week of receiving the above-mentioned agreement, I was again told by Yolanda that I do not qualify for the above-mentioned modification. Right now, I am a nervous wreck. This company does not care about the consumer or the hardships that had once plagued them. I am capable of meeting my obligations, and this company just keeps screwing people around. They are not trying to help the consumer stay in their homes. What happened to the Making Home Affordble program? Please help us stay in our homes, Saxon.

I contacted Saxon approximately April, 2009 to review my Loan for refinancing or whatever program I may qualify for. Prior to this period, I was never late with mortgage payments. They stated they were not refinancing but that I prequalified for the Trial HAMP program. I was placed on this "Trial Program" from June 2009 - April 2010. I called Saxon on April, 26, 2010 to inquire about a "Default" letter I received from them and learned at that time that I was denied in March, 2010 for the Loan Modification due to my debt/income ratio was not 31%? I also receive a letter the week prior indicating that my Loan was being transferred to Ocwen Servicing effective May 2010!

I faxed a request to them disputing the decision on 4/30/10 and was told to wait for response. Please note that during this eleven month "Trial Period" they were reporting me to the credit bureau as being late with payments, because I was paying a lesser amount per the "Agreement". My complaint is why it took them so long to make a determination and now this has affected my credit drastically. I paid as agreed and contacted them frequently. Someone could have informed me sooner! If you are not the appropriate agency, please make a referral. Thank you!

I am writing this complaint I lived in Bennington Vt with My boyfriend his house was in foreclosure I lived with him and helped him do his modification with my Income. We had split up in March I no longer live in the house but his modification went thru but because I am not on the deed Saxon would not take my information off the modification said I needed to dispute. Meanwhile he lives in the home and my income is being used and I am not in the house hold and I would like to take action for this to be resolved.

The whole HAMP modification is a scam. I got my paperwork back 11 months after we started on May 14 and all I can say what a horrible thing to do to a person. My payment was reduced $50. What really has me upset and horrified is the balance of my loan. I have lived and paid on my house for six years, granted a lot of my payment went to interest but there was a small dent. My original loan was $119,000. My house according to the town values out at $130,000. My loan now with Saxon is $133,750.62. Eleven months of reduced payments, fees (yes, they do charge you late fees for the months that you are not paying the full amount due) and what I was told "modification fees" have been rolled up into my loan. I was told that the fees would be waived and nothing was ever told to me about the rest of my payment that I wasn't paying.

I also advise everyone to who has been paying the reduced payment to check your credit report. Saxon reported for those 11 months that I was not paying and my mortgage was in default. My credit score is shot. I called to ask about this and was told that when they receive the signed paperwork that everything will be taken care of but no fees will be removed they will just roll into the loan amount. I was understandably upset and the rep told me, "To stop complaining, you saved $50." He then became angry and started yelling at me and demanding I pay what was due as of that day, $14,750.62, if I didn't like it. He kept asking for me to pay it every time I went to ask him a question. I told him I didn't have that kind of money and was told to shut up and sign the paperwork then. He then called me a name and hung up.

Yesterday, I received in the mail a notice saying that Saxon was missing paperwork and could not complete the HAMP payment details without it. To me, this seems odd seeing as I already got my final HAMP mod and signed it and mailed it yesterday. When I called on this, no one knew what I was talking about. I was also informed that Saxon can withdraw the HAMP mod and demand payment. Then she told me that my account didn't say they needed any more paperwork but I should really send it anyway. I pray everyday that my loan gets sold. There has to be someplace out there that can help people who are being taken advantage of like this.

I recently learn I qualified for HAMP Program through Saxon Mortgage and with times know that was good news to hear. I sent in all required forms per their request twice since they have an issue with losing documents. My original loan was $2100. After I answered all their questions, it was drop to $1036 based on all the info they received. The process lasts for three months they say but it took four and a half. And at the end of it all, I received my new improved modification papers requesting I signed for my new rate which was $500 higher than my original. What a hell of a modification. Then I tried again because I believed in their statement "We make payments affordable and we'll do our best to help." It comes back again higher than my original by $400. So now, I'm 9 months behind. My credit is destroyed and all I can say is thanks Saxon for fixing my small leak and creating a flood. Saxon support at its best.

I have been trying to work a short sale for my client for over a year with Saxon Mortgage, the debt collectors. They are the most difficult bank to work with. I have been turned over to at least six different people. They lose the paperwork, just when you think you might get an intelligent person, you get another ** that does not know what they are doing. I thought the government passed a law streamlining short sales? This outfit has not heard of what streamlining means. I don't know why anyone would want to even try and work with Saxon Mortgage.

When we were just 2 payments behind, we hear that the lender was giving such a nice deal to all the people who tried to refinance. We follow every step on the way as we asked by this Saxon Mortgage. At one early step from $2,975.00 we were paying, they said that we were approved for a refinance with a payment of $1,650.00 and an interest rate of 1.5%. Wow, we were so excited. All paperwork was on our way for us to sign and make the deal. Paperwork, never arrived as of today, that's my first experience with them, you know what they said? That is too much work and they apologize for the inconvenience.

As of today, we went through the government program that they offered to us and then we were dismissed for late payment. We received letter from them that they're other alternatives and programs. We tried again and again, as you know different answers every single time and no solution. Well today, after almost 2 years, what they told us is that since we have been disqualified by the government program, we can't do any more applications for refinance and that they can't deal any modifications at all with us, even that we just submit recently another bunch of papers and application with them following their advice. Right now, they said that we shouldn't do that, because we have been denied to so long time ago. If this make any sense at all! We are nowhere now with this company and looking forward to sue them for their professional incapability.

To all dissatisfied customers of Saxon, We have been trying to resolve this matter for over 17 months, with the help of a Lawyer, our first letter sent to Saxon in February 2009. The lawyer's office was first in contact with Saxon on 03/03/2009. At the beginning there was medical circumstances which caused us to start getting behind but we tried to get this resolved before we actually were behind.

09/03/2009, "Hello ** (Our Lawyer we hired in California for this purpose), We are sorry to keep sounding like a broken record, but we are very frustrated and worried over this whole deal. We started back with you on January 24, 2009, actually, before we even were behind on a mortgage payment. We knew at the time with Melinda, being off work from 12/31/08 to 4/1/09, that we would be at least three months behind before Melinda was able to return to work, so we contacted you before it actually happened. Our biggest frustration is how everything got so messed up.

Saxon never has the same answer for anything or anyone since this whole thing has begun. We have kept up on every part of this modification including them getting the modification package overnight on June 12, 2009. Where somehow they lost the modification, cash the check but lost the payment record. We should have known then that this company is not professional at all. After many words with a Saxon Call Center Supervisor named George #21750, this is what was determined on their part. They hadn't received the payment for September (which you have a copy of the confirmation) as of today. He stated that the bank account #1295 was not entered on Saxon's behalf. He stated he was correcting that error today (so it will probably now show that we did not pay until 9/17/09. Actually, after calling the number that you gave us, Saxon had not changed anything with that payment.

Carol, from Home Preservation, stated we could resend the payment again to them and noted on the account, that it was an error on Saxon. She stated that Jim could send a check, but Jim will send this Western Union tomorrow afternoon (yes, we will send you the copy). We had quite the discussion on Saxon's professionalism and if he could see how frustrated the customer is when no two people can give the customer the same answer. That lead into asking for the exact date that our paperwork, actually went to the underwriters like we were told in August after our third payment (we contacted you right after that conversation and got everything straightened out we thought). George proceeded to look back (from today to last May) in Saxon's records of us and found nowhere has our modification documents ever gone to the government's underwriting. He proceeded to tell us that we were going to have to make two more payments at $1853.71 until they were able to send the modification to underwriting. Which, as you probably know, lead to another lengthy discussion with them.

So that brings us to today, we have made four modification payments at $1853.71 on time. My question to all is when are they ever going to send anything to underwriting? They say they are behind so why is that our problem? We just don't understand that. If we are behind, they tell us it is not their problem. If we pay another payment of $1853.71 we will be three months behind in our car payment again. Since July, we have constantly been behind three months in car payments. The car loan company helped us out in February by putting two payments behind. They will not help out again until next February. Since being off those three months we have just never caught up. Neither of us is able to work overtime due to the economy and I just had another surgery and missed a week of work. This cannot continue or we will end up losing our house. As I told you on the phone, I am sure there are millions of people in the same boat, but we have to look out for ourselves because nobody else is. George gave me some addresses and fax numbers to Saxon.

September 09 We were required to send proof again and again. Here are the bank statements for June and July and the Western Union receipt from August. I am faxing the Trial Period Plan again. I realize there is nothing anybody can do to escalate the process with the underwriters but there should be something we can do about Saxon. The paperwork should have been sent to the underwriters in August. What ever their reason is for being behind should not be our problem or add to our already pending problem. Is there anywhere we can get some satisfaction? I am sure if I was an important person or congressman needing this help, people would be falling all over themselves to push this through.

Please help us; we are drowning with no sight of light. Please tell us what we can do to help our cause and maybe help others down the road. Someone needs to know about all of the problems that mortgage companies are causing the American Consumer. They are causing more pain, suffering, emotional distress, and financial issues for the consumer than probably just losing their home in the first place.As of 12/01/09, our lawyer stated he wanted to let you know that the lender is still stating the loan is in its final stages of review and they are hoping to have an answer by months end or early January 2010, if not sooner. I was advised to let you know that Saxon would like a payment in as soon as possible because not making a payment may still hinder a decision from underwriting to approve the loan modification. Even though 3 months have past, the lender requires payment to continue to come in.

05/12/2010, 3 way conversation with Saxon, Lawyer, and ourselves. Saxon stated, "The HAMP program was turned down because we had not made all of our payments under the trial period (stating January 2010 was not accounted for). " Asked if there was any other program available and Saxon stated there are no internal programs at all. Asked what it would take to keep the house, and they stated, "It would be around $15,000 because we had $3,000 in escrow and doesn't include their lawyer fee (Approximately $5,000) but would not give a firm figure and would send us a final statement. " When we asked if we could come up with $10,000 (using our 403B savings), if they could work with us, Saxon stated, "No that they would only take the full amount. "

05/13/2010, Letter to Lawyer. "Since we lost the final modification with Saxon yesterday 05/12/2010, which makes us very sick to our stomachs, we would like to prepare for court here in Florida. We would like to fight them in court but we are requesting all communications and documentation between your law firm and Saxon and between your law firm and us. We cannot afford a lawyer but we want to flood the court with paperwork for a judge to review and explain to us what we have done wrong here to have our home taken from us. Also, we have a meeting with the US State Senator Adam Putnam from Florida to discuss and review all of our paperwork. "After reading several website's last night, the same thing is happening all over the United States with several big banks. All of the requests, resubmission of paperwork several times, showing of receipts of payment, the run around with talking to a different person each time you call and getting a different answer. We are so upset with the government and banks. I want everyone to know just how hard we (you and us) have worked at getting this modification. It sounds like when you sign-up for the modification you are signing your house away automatically. At least this is the way it sounds like it is happening across the United States. "

We would gladly join in a Class Action Suit against Saxon Mortgage for what we believe is their wrong doing; they are now restarting foreclosure process. We have approximately a 5 inch stack of documentation and communications we would love to share with a lawyer willing to help us. We will be losing our home (which is our home and Melinda's elderly parents). We provide our home and financial support for them. This whole ordeal has caused severe mental anguish, insomnia, migraines, and stress for all of us. Several doctor's appointments and prescriptions for the above problems.

In June 09', I qualified for HAMP program with Saxon, I answered all their questions and was given a monthly payment of $735, which for my house is reasonable. I was paying $1400. So I was happy. Then they told me my loan had to be in default. I was not happy about that. Well, I got ready to make my first payment and was told that the person I spoke with previously never saved any of my information. I had to give it to them again and was given the amount of $941. Okay, I was ** and agreed to the $941 because, hell it wasn't $1400! I faxed my information to them over and over and they always kept saying they were missing something, finally after mailing it 4 times and faxing it 9. They said they were all set.

Every month I placed a call to Saxon and asked about where the final documentation for my HAMP agreement was. I was told it was in the works. Well, today 5/14/2010 I got my final documentation and all I can say is "Thank you Saxon for nothing!" My monthly payment on a house that isn't even worth $90,000, $1350 a month! Not only that because they made me go into default they want the past due amount, late fees and interest. Wanna guess what that amount is $10,427.63. Yeah, I have that just hanging around my shack of a house. Congratulations Saxon, you just got yourself another house. I am sure they are going to get a ton of house. How can a company that claims to want to work with their customers turn around and shaft them. I just wanted to stay in my house and pay a reasonable monthly payment, you know one that didn't take every penny leaving me with no $ for food.

In July 2008, payments to Saxon mortgage were "misapplied," as quoted to me over the phone. Instead of fixing this problem over the phone, they require a work order to reevaluate the payments and fix the problem. As of today, this work order has been reapplied more than a dozen times (3 per week from October 2008 to March 2009).

In October 2008, I received a letter claiming I was 1 month behind on my mortgage, and I started getting foreclosure papers. I Immediately called and started the first work order. In January 2009, I received a letter stating I was now 3 months behind, even after I sent them all the paperwork more than three times a month, showing that I made every payment. In February 2009, I stopped making regular payments due to unforeseen circumstances relating to NJ Unemployment "Disqualification" after a long-term Workers Compensation Injury and 2 surgeries.

In March 2009, I put my home up for sale, knowing I was unable to keep up with the monthly payments. I notified Saxon, and they initiated an agreement that they would stop any fees or interest as the house is for sale. My realtor stated this is on record at Saxon. In June 2009, I received foreclosure papers from a different attorney. Saxon Mortgage stated, "You are not in foreclosure."

In February 2010, I received my first offer and a signed agreement of sale. Saxon Mortgage refused to provide payoff information to the realtor, me, or my attorney. (Saxon's attorney told me "You better get a lawyer; you are going to need one.") The buyer backed out. This is also the time I found out that Saxon did not stop the accruing interest or late fees and the previous issues are still not fixed. In April 2010, two more buyers, still no responses from Saxon, buyers were gone.

It is now May 2010, and I have another buyer. I have provided all the paperwork they have requested, and still no response. Meanwhile, the late fees and interest are accruing. Saxon sent me a letter to consider a short sale; this is the only response I have received. It appears that Saxon wants to force me into foreclosure, take my house, ruin me, and destroy my credit. How is this legal?

I now realize how stupid people working in companies like this force good people to do desperate things. It destroys you mentally and physically. Poor credit rating causes excessive high payments on insurance, etc., and hurts employment opportunities.

After waiting to hear from Saxon for a refinance (current interest rate is 7.99%), according to their letter, "Insufficient income to maintain regular payments" is the reason for not lowering my interest rate! Really? Because I have been paying your 7.99% to you for the past 5 years after you bought my loan from Novastar! What a crock. I did qualify for a HAMP loan but it only lowered my payments by $30.00! Saxon told me to hold off on the HAMP and see if I can qualify for a refinance, so I did, and I don't! This seems like a big runaround to me! I am upside down in my house because of the market. I cannot tell you how many townhouses in my community are in foreclosure. This is very frustrating and seems really unfair to people who are trying to do what is right, but Saxon is doing their best to make it impossible!

It all began with Saxon taking over my loan in 07. This was the beginning of an ugly mess. First off, I have never made a late mortgage payment. If fact, I am on bi-saver program (offered though Novastar who has my loan to begin with) so my payments are always ahead by one month and never behind. Long story short, Saxon reported my loan late to the credit agencies, sent pre-foreclosure letters, waited 9 months for a loan mod from 10.7% to 7.7%. They did the usual: lost paperwork, never returned phone calls, etc. So fast forward to 2010: My credit is back to normal after fighting Saxon for several months on it but I can't seem to figure out where 4 months of mortgage payments went. I printed out my bank statements from 2007 to 2009 and compared it with Saxon's ledger. Oh, boy. They are a mess. I can't wait to sell my home when the market recovers just to get out from under this very, very crooked company. I can't believe they are still in business. It resulted to stress and strain. Lots of time spent correcting Saxon's mistakes. My credit was damaged due to incorrect reporting.

Trying to stay in my home after my loan was sold to Saxon Mortgage. I have submitted in all necessary documentation need for the HAMP Program loan modification, only to find out that I don't qualify. Saxon continues to show little to no regards for their customers. The lending practices of this institution shows very poor management and at worst F quality in customer service. The consequence is credit rating that will never be resolved.

What a "peach" this company has been (not) I took out a mortgage with American Home Mortgage (AHM) in February 2007. They sold the loan to Saxon Mortgage in July 2007 (which I expected because AHM sold 100% of their loans). However, what I did not expect was the nightmare of ensuring that my property is correctly insured.

Saxon immediately contacted me and directed me to change my policy with them as the primary beneficiary. No problem, I contacted Allstate and updated the policy. I received updated policy papers naming Saxon. Fast forward to receiving my Saxon statement dated March 1, 2008. Escrow showed the monthly increase, but no decrease for payment of the annual payment. A few phone calls later and I get notified that the policy was paid and this reflected in the April 1 statement. Repeat this again in 2009.

Earlier this year, I receive a form notice from Saxon demanding that I place them on the insurance policy. Sure enough, no payment was made in February. I check my insurance policy online and Saxon is still there, at the top of the page. A few phone calls, numerous transfers, and they promise to pay the following week. No payment, so I pull money from my personal account to keep my policy from being cancelled. More demanding letters from Saxon, I go online to their insurance update forms. Everything is current, so I place a note on the page and submit. It is now early May and my annual policy has not been paid. Another demanding letter, more incompetent support agents transferring me from cubicle to cubicle, another online session with both the insurance company and Saxon's insurance update page (MyCoverageInfo.com). We'll see, but I'm going to whatever banking commissions that exist to make complaints and I hope this "customer service" company loses its license to do business.

I would love to refinance but like so many others I am under-water and don't have $50K lying around to make up the difference. I would just pay the insurance myself, except I have the money coming out in my mortgage. I have always made my mortgage payments early or on time and I just want them to do what is right. I'm not even going to go into the details of how they have messed up my extra payment on Dec 31 of each year and the problems that has caused with the IRS.

I lose time from work every time I have to deal with this company since they maintain such narrow call center hours. My policy is in danger of being cancelled and if something were to happen to my home I can't guarantee that I would be covered. The stress is giving me an ulcer and I can barely stand to open my mailbox as I wait for them to do something else equally stupid.

I enrolled in the HAMP program thinking it was going to help lower our mortgage payment and interest rate. First of all, you get all of your information together and then you send it to them. But they would request for them over and over. I mean, really? This is a real nightmare! They don't know what they are doing. I think I know more and I am no mortgage broker. They told me that I took too long and they were going to wash their hands off us because we didn't fill out the paper work and send it back within 15 days.

If I don't agree with something, why would I sign it and send it back? My lawyer spoke with them as well before the 15 days were up, trying to negotiate--which they do not do! This has been going on for almost a year now and I don't know where to turn or what to do. I thought this program was to help those in need. It's doing the opposite. I just want to call and say, "You want my house? No? Then help me!" Or, "You want my house? Come and get it." I feel as if I am banging my head against a wall. Something has to be done! Half the stuff they are telling me can't even be legal! I would agree to a lawsuit at this point!

Saxon is definitely not consumer-friendly and after reading these complaints, I see I'm not the only one. It all started with my modification that was done over a year ago with AHM, however, the modification took so long that my first payment was over $9,000 and when I questioned them, they said it was due to the few months it took to complete and that I was supposed to make payments during the modification even though I was told to wait until the modification was done so I would know what my payment would be. My payment was only $1800 a month so I questioned again the $9,000. I was told that fees are not included in the modification and that all late fees were part of that first payment. Not being in a position to pay the entire $9,000 and the whole purpose of modification is to get caught up.

I just started making the regular payment and told AHM that I would try to make up the 2 payments in the years later when I receive a bonus or my wife goes back to work, which they seemed to be okay with. Now here is where Saxon comes in. My loan was sold to Saxon and statement that came out still showed that I was two months behind. By this time, I have made a mortgage payment every month since my modification with the statement still showing the 2 payments behind and the late fees. I made constant communication to Saxon and explained that this was from the modification a year ago as they immediately started sending me foreclosure letters. I called and even discussed making some type of payment arrangement to start working off the 2 payments (approximately $3600) plus the fees.

I kept getting the foreclosure threats and when I called Saxon, they informed me that was just a standard letter that went out. I would then schedule another payment and once again, I would get calls and foreclosure letters, then I had someone show up on my property taking pictures? When I questioned them, they said they were sent by the bank and that I needed to contact them. Concerned, once again I contacted Saxon and questioned this activity and not once was I told I was in foreclosure just that "as long as I was making payments, everything would be fine". I then received another letter and called the attorney (Victor **) with Nationwide Trustee Services and asked what this letter was about because I have been making my mortgage payment every month for over a year now. He told me that my home was in foreclosure and going to sale in June.

My wife and I were livid, we have 6 children in the house and was expecting our 7th (the stress was so much on my wife, she had a miscarriage last week and we lost our baby). I have been on the phone everyday with Saxon and only get the runaround and passed onto different people that are supposedly working my case. We have been calling for a week to get someone to talk to us and explain how they can foreclose on us when we have gone out of our way to keep making the monthly payments for over a year now and now, I'm in foreclosure over $3600, the 2 payments, plus fees that originated from the modification, which by the way cost me and added $38,000 to my loan balance.

I can't believe they won't work with me and move the $3800 and fees to the back of the loan. We don't know where else to turn and feel victimized by Saxon. I could understand if I haven't been making any payments or was 5 or 6 months behind. This is insane. We work hard to pay our mortgage and have stayed in communication with Saxon and this is what they pull behind your back. Someone please help stop this abuse. I will be contacting every agency I can and looking for a good attorney that is willing to take these guys to court. There has to be a law to protect us from this type of activity.

I have been calling this loan was paid off in 2004 and they are still showing as a debit I have called and requested a letter to be faxed to me for over a week and never got proof of account paid in full. I am truly disgusted with this mortgage. I am also calling the Better Business Bureau.

I was approved for HAMP, after I was sent my final paper work and I receive my monthly Mortgage statement, I notice that Saxon had change the amount. They added an extra 3 thousands plus back into my mortgage. Also each month, they always say that you owe them extra money for something. I have been trying to correct this problem for months. Online and phone information is incorrect. I rarely sleep well because I have no clue what this company is up to. How can this company change a Government Program and once you are approve; they add extra money to your mortgage.

They are not willing to work with us on our HAMP program either and we want something done about this company.

Saxon Mortgage has been a nightmare! We entered into the HAMP Program in August 2009. We were on a 3-month trial payment plan. Those payments were all made on time. In January, my husband lost his job. We immediately notified Saxon about the situation also asking them for their advice and guidance. All they said was that it would be noted on our account. We made our February and March payments on time. Each payment was made by phone so I spoke directly with a Saxon representative. Each time I asked if there was anything else they needed from me or if there were any other issues that needed addressed. I was told no.

Two weeks after making our March payment, we received a letter of denial in the HAMP Program. Reasons given were:

(2) All documents hadn't been received. We were shocked.

First of all, we had stayed in communication with these people about our situation and secondly, we had been vigilant about making sure they got any requested documents. We immediately called Saxon and we were told that the documents that they had not received were a Profit and Loss Statement and a Retirement Award Letter. These documents had never been requested, plus they did not apply to us because we are not self employed. As for the missed trial plan payment, they went back to the January payment. I explained that the trial period, as defined in their paperwork was 3 months and that all of those payments had been made on time. They said that the trial was extended, yet, we never received anything in writing stating this.

We called the number for the HOPE hotline. They were not a lot of help. The first person by the name of Christine said that she was going to contact Saxon and have them redo the application with a new set of financials. After several weeks of trying to get back in touch with Christine, we still have heard nothing. We were turned over to a man by the name of "Tony". He did a conference call with himself, me and a Saxon representative. He asked the Saxon rep why they didn't ask for a new set of financials in January when we notified them of the job loss. She had no answer for that. She said that we have been denied and that it was a "one shot deal" and we could not reapply, nor could we apply for any other program.

She said that all we could do was a short sale. She also added that had the missed payment been made by the end of March, we wouldn't have been denied. I was flabbergasted at that statement! I asked her why, during my numerous phone calls I had never been told this and she said that Saxon is under no obligation to disclose that. She compared it to not paying your electric bill. She said that if you don't pay it, you get turned off. I said that, while that may be true, the electric company would not turn you off without sending you letters, calling you and maybe even sending someone to your house. I also told her that they are obligated to disclose this information when I asked them point blank.

At that point, Tony wasn't any more of a help. Later that day, I even called him back, only to find that he wasn't even "Tony" but actually Harry **. I left him a message and the call was never returned. Since then, I have contacted many government agencies, including The White House, and have been told by each of them that the HAMP Program is not a "one shot deal" and that Saxon should have let me reapply. I am now working with the MHA Escalations Dept. in an attempt to stop foreclosure. We received a certified letter from Saxon stating that if we don't pay $12,000.00+ by May 16th, they will accelerate foreclosure. I have also filed a letter of dispute with Saxon's Customer Relations Dept. and have filed 2 letters with The White House Agency Liaison. In the event that none of this works, we are going to be forced to file a Chapter 13 bankruptcy just to stop the foreclosure. This should not have to happen!

Over the last few days I have also been told that if you miss a HAMP payment or there are missing documents, the lender is supposed to send you a letter giving you 30 days to get the issues resolved. If you do not, then they can deny you. I never received such a letter. Right now, this is a waiting game. Each day is filled with phone call after phone call and letter after letter.

Is anyone out there interested in trying to initiate a class action lawsuit? I certainly am. If you are interested please contact me at **. If we can get enough interest, we can take the next step. This company must be stopped. Each one of us, by ourselves may not make a difference, but together we can make every attempt to put a stop to this.

I am trying to do a short sale. My mortgage amount 1,500,000.00. I got a buyer who is willing to pay 1,500,000.00. Kawnisha was assigned as my negotiator in October. I did not hear form her until December by email. Of course the buyer could not wait three months without an answer. I got another offer in December, same thing happened. I contacted Saxon. They refused to assign another negotiator and I just lost the buyer for the second time. Unprofessional. Will never deal with Saxon again.

Let me begin by saying that if you have a mortgage with Saxon, I cannot stress enough that you need to get as far from this pathetic company as possible. Do anything you can, sell your home, refinance if possible...do anything. Even if you believe things are going smoothly for you, I can assure you they are not! If Saxon has mastered anything, it's destroying homeowners and their credit. I was injured in an accident in May of '09 and called Saxon first thing to discuss payment options now that I would have less income.

They insisted on this almighty home modification to save the day! Three trial payments (lower) and made perfectly on time. Then after letters and phone calls, I was told that it was extended and make November's payment. Mind you, I kept receiving letters stating they hadn't received this document or that one. They had, but I sent them anyway. Finally in March, I receive a letter telling me that the I had failed to make the trial payments and the modification was denied, plus I needed to send them $9500.00 now. I was very proactive in resolving this and after several phone calls was told that the modification was being reviewed and that payments had been posted properly.

Well, today I opened a letter that stated I owe $10,000 and I'm in default. I'm calling tomorrow morning and demanding a short sale, not what I want to do but I'm done with Saxon Mortgage. Only worry now is that it looks like many others have had no success with Saxon in a short sale. I'll take my chances, if more of you are not receiving response to your letters, you're not alone. I'm not sure what Saxon does well but it's certainly not customer service. I have followed Saxon Mortgages instructions to the very letter and they have destroyed my credit!

I had a third party act on my behalf back in June '09 to lower my monthly loan. Saxon told us about the HAMP program which after the conversation qualified for reducing our payments by $1000 each month. We did not make a payment in November and decided we were going to short sale our home at the end of April 10. I contacted Saxon on February 28, 2010 asking for the paper work for a short sale. I faxed all of the paper work to them on March 30, 2010.

On April 4, I received a summons that my property was no longer mine and that it was being sold April 30. I didn't make payments in February, March or April due to the short sale. I was told not to make payments because Saxon would not honor your request of a short sale if you were making payments. I called Saxon and was on the phone with them for six and a half hours. They told me that I was over $35,000 in arrears. They claimed I wasn't making payments to them since June of '09 (see above).

After several delays that day on the phone, they found the payments had been made. They also said I never sent the proper paperwork for the short sale. After several delays, they found this too. I told them that the proper way to complete a foreclosure was not done through what the deed states and they said that there was nothing they could do. The investment company that purchased my home said there is nothing they can do and will have the deed to my home on the 30th of April. The HAMP program and Saxon do not communicate and therefore this was the result. I will be writing the judge, my congressman and the Attorney General of Texas.

Saxon must have too much business. No one can answer any questions when you call. I had my salary reduced, my wife's illness and we have fallen behind with our payments. Saxon never knows what you are talking about when you call them. Their response to my letters is virtually zero. The only way I get a reply to a letter is to call them after a few weeks to see what action has been taken on my request. The house now is in foreclosure and sheriff sale next month. Like many others, I have faxed requested info to them many times. Each time I call, they say they have not received fax. Their bookkeeping is some sort of mess. They never have an answer when you call for an explanation.

This week, I received a letter saying that my loan had been sold to another holder. I called Saxon to ask if the new mortgage holder knows the status of my account. The Saxon rep just said they bundle certain account numbers and sell them. Wow, what a surprise the new mortgage company will have when they own my home next month. Now, leaving the great American dream.

Saxon bought our account in 2007 and we did not ever want them to. My husband's overtime was cut and so we started having financial difficulties. In June 2009, one of Saxon agents asked if we would like to do a loan modification. We did not even know about this type of loan. Over the phone they said we qualified and would send paperwork out for us to fill out. We responded right back and sent everything they asked for (I have all paperwork in the file).

We called a few weeks later and they said they never received the paperwork. So I resent everything again. Our original payment was $1,573.98. We were told by Saxon that for the loan modification for a trial period of three months would be $1,357.36 starting September 2009. We were told not to pay any less or any more. We kept calling and calling to find out how the modification was going. No one ever helped us. I have copies of all letters and documented all calls. We made Sept, Oct, Nov, Dec 09, Jan, Feb, March, & April 2010 payments We have never missed a payment.

We called on April 10, 2010 to see how our loan was going and they said we did not qualify. I told them then why did not someone contact us by mail or phone. They had no answer and said we are behind even though we have done everything we were told to do. We just went to court for bankruptcy in March 2010. We have actually been in this house 17 years and always made the payments on this house. This was one of the worst things I have ever tried because Saxon does not know what they are doing. On April 10 when we called they said we now have to try another loan with Freddie Mac.

I filled out all the paperwork (again) with all the other paperwork they asked for. I faxed everything on April 13, 2010. I have where they received it but no one has called us yet. We do not know even what payment to make for May 2010. We are afraid to call because we are always misinformed. What can we do with this awful problem? We do not want to lose our home. We are now afraid they are going to ask us for a lot of money that we do not have. We just followed the rules. I can not believe that if we had not called ourselves we would have never known that we did not qualify but over the phone in 2009 they said we did.

Please no one seems to know how to help us. This has made us just sick and we just do not feel like doing anything because we are so worried. We just want to do the right thing with and get this on an even keel. I have actually had heart pains and I already have two stents.

I am a realtor doing a short sale for my client and it has been 14 months. Saxon keeps giving me the runaround. I have closed many, many other short sales. I know what I am doing. They have a complete package. I just got off the phone and they said they closed my file because they could not reach me. On 3/25, I spoke to the negotiator that day. This is going to be an REO when they had a good buyer that waited for a year.

On May 15, 2009, I found out that my mortgage was sold to my previous mortgage was Taylor Bean and Whitaker at that time I was going through the loan modification program that our Pres. Obama had given to the people for financial help with our mortgages. When Saxon require my mortgage, I owe a balance of $2126.46 cents. On September 10, 2009, I paid the balance of $2126.47 cents bringing me to a balance of zero in order to apply for the HAMP program you must have a balance of zero.

On September 12, 2009, I spoke with a representative at Saxon mortgage named Tony extension 216467, also spoke with Tony on September 14, 2009 Monday, he said that is gathering all information and will call me back at 2:47 PM. Later on that day, I found out that I would be except it into the Hamp program. My mortgage payment was $1068.61 and a HAMP program brought it down to $820.08.

It is supposed to be paid by the fifth of every month on a three-month trial basis. Everything was going good until I spoke with a Lisa B of Saxon mortgage. She told me that I needed a tax form from the IRS with a bar-code on the paper saying why my husband and myself didn't pay taxes so we went and got it and sent it and wouldn't you know it was already in our forms package that we had faxed her numerous of times that was supposed to be the last that. But it was just the beginning of our troubles on top of troubles with Saxon mortgage. My husband and myself paid $820.08 cent faithfully before the fifth of every month.

I called in to Saxon to find out about the status of our application. Spoke with Terence to find out that we weren't accepted in the HAMP program and asked him why not and he transferred me to Carrie of Saxon. She tried to explain it but it didn't make sense. Only thing I understood was that they were applying a 31% height to my mortgage. I told her I never received a letter that told me I was denying from the Hamp program and why did they let me pay $820.08 for 6 to 7 months then when I tried to pay mortgage for this month for April 4, 2010, they told me I had to pay the full mortgage which is $1068 .61 plus the $248.53 for the seven months that I paid a $820.08. They said bring it to a total of $2605 and some change.

I am sick and tired of following the rules to find out that big corporations such as Saxon and others can sell your mortgage off to other companies. It should be put into law that once you purchase your home with the mortgage company until you refinance, that your mortgage can no longer be sold to other companies. Can you help us? I met my last wit.

Saxon Mortgage Services, Inc; et al. April 14, 2010. We have contacted you previously and on more than one occasion regarding the following account errors that you are now trying to shove off on Ocwen Mortgage Servicing. We object and dispute your decision and actions to transfer our mortgage loan number 0000000000 to Ocwen Mortgage Loan Servicing, based on the following information; and in addition to all of the other problems, complaints and legal issues we have against Saxon Mortgage Services, Inc et al., and which we have filed with the State of Indiana Attorney General, Greg Z. and with the Congressional Oversight Committee and with the US Office of the SIGTARP.

We have demanded and asked for our appraisal, which was done on your behalf and approved by you and in order to approve the refinancing of our first Mortgage; on 8 different and separate occasions and only received this information from you on March 12, 2010. We were shocked to learn that your appraisal indicates a value of $145,000. And on a home we purchased originally in July 2004 and only for the amount of $89,500. The appraisal done at that time in 2004 was done by a certified FHA appraiser, local to our area.

In 2006 our Governor, Mitch Daniels, and after working to have had an Indiana Law passed, ordered that all property values be exact Market Values to determine property taxes; which are calculated a 1% of the Residential Properties actual market value. In April 2007, when the refinancing of our first mortgage was done by you, the actual Residential Mortgage Value of our home was $80, 600. Your Appraisal was completed in March 2007. There is no way the appraisal done by the appraiser, hired by you, can be even remotely close to actual value. In March 2010 our Home was revalued for the now current and Actual Market Value of our Primary Residence and that value has been correctly established to be $88,700; and well below the principle balance of our Mortgage Loan Number 000000000.

Our loan Mortgage Number 0000000000 was to have been approved and written for 80% of the actual market value of our home in 2007; and that amount was $80,600; therefore you are ordered to reduce our principle balance owing to what 80% of the then true and actual market value of our home was at that time. There is a great deal of verifiable and actual fraud which took place in order for all parties involved, with exception to us the innocent victims, in approving and owning mortgage Loan Number 0000000000 to have been approved and written in the first place. In fact loan number 0000000000 should never have been approved, written and booked in the first place.

I did call the office of Patience Castillo today and have left a message for her to return my call, in order that we may discuss this, and all of the other issues which exist for loan number 0000000000 held by Saxon Mortgage Services, Inc. We demanded a settlement from you on March 16th, 2010 and gave you until April 16th to answer our demand. The only action you decided to take was to transfer our Mortgage Loan to Ocwen Mortgage Services, scheduled to transfer 04/16/2010. We have advised the Indiana State Attorney General of your actions. We need to hear from you now, today 04/14/2010. Our home is valued today for the actual market value of $88600. When it was refinanced its actual market value was only $80,600. We were to have received a loan of 80% of our loans actual LTV. We are STUCK miserably with a property that we cannot sell for the loan payoff. We have to continue to pay interest on a loan that is for much more than our home is valued for. There was/is conspiracy and fraud which has been committed by the Appraiser, the Lender and all parties that were involved in approving our refinance of our first Mortgage. We do not have a second mortgage.

In early 2009, we had a problem with Saxon's overpayments that they said we didn't make but we said that we did. We submitted bank statements and letters from our bank stating that the checks in question did not bounce. This went on until May of 2009 when we applied for a loan modification. At this time, our loan payment was over $3,000 a month with an ARM that was going to go up in the next couple of years. Like others that have had to deal with Saxon, we had to submit paperwork two or three times because they said that they never got it.

We were eventually told that we had been approved for a modification and that we would be seeing the paperwork in the near future. We never saw any paperwork and when we checked we were told that it was in process. We had been given a new mortgage payment for the three trial months and we continued to make that payment every month. We ran into some unexpected bills, so we did not make our March 2010 payment with the intention of making two payments in April.

On April 12th 2010, we received a letter from Saxon stating that we did not qualify for a modification because our housing expenses were less than 31% of our gross monthly income. When we called, we were told that we owe Saxon $50,000 and that they would not do anything for us until we paid the $50,000. We were also told that we have a $4,000 credit and they can't do anything with it until after we pay the $50,000. I have to assume that if we have a $4,000 credit that the payment that were missing from 2008 have been found and that we have overpaid.

On April 13th 2010, we received another letter from Saxon stating that we could not get a modification because we did not make all of the required Trial Period Plan payments. This is another case of the right hand not knowing what the left hand is doing. I have not been told that Saxon is going to take my house, but we are waiting for that shoe to drop. Is there a lawsuit pending against Saxon and it's parent company Morgan Stanley and if not, why not?

We had a Customer Service Representative tell us that what Saxon was doing to us constituted fraud. We later found out that the representative lost his job. I don't want to lose my home and I am looking for suggestions and viable alternatives. Have you found something that worked for you?

We have not been able to sleep worrying about losing our home as well as having stomach problems. I have taken a mental toll as well, not knowing from one day to the next if we are going to get kicked out of our house.

Well, like everyone else that has gone through the HAMP program, I had three trial months. I never expected to then have two more months added and then two more after that. And finally, one last month was added. Anyway, that's not even the issue. My modification was finalized at the end of January. My new monthly payments starting Feb. were about $380.00 less than what my trial payments were. That alone made me very happy. I was ecstatic!

Here comes the issue. Soon after I stated receiving letters from Saxon stating that I owed Feb. payment. But I thought "I just paid it" I didn't pay much mind the first month, but then again I received the notice after I paid March's payment. Turns out that Saxon's system shows that I am one month behind. This has been going on for over 3 months now. All they can tell me is "The issue is being worked on". But for how long? I need to get my credit restored! Pronto, Rapido, ya no quiero esperar. I need results.

We are writing this letter because we feel as though we have been wronged by Saxon Mortgage, in our quest to modify our mortgage. We applied for the Home Affordable Modification (HAM) For The Troubled Asset Relief Program by completing all requirements designated. We began our quest in July 2009, with a stipulation that we were required to make three consecutive payments (Trial Period Payments). Payments were modified from $3,311 to a more affordable $2,073.75 and the first payment into the program was made in August, 2009. But then Saxon Mortgage wrote us saying they were missing certain documents lost by their personnel and to resubmit and send another contract.

So in September we received yet another H.A.M. Program paperwork and was admonished to continue paying. So we paid September 2009 and October 2009 to complete the three payment requirements (August, September, and October). But we did not receive the promised final payment schedule. On several occasions in the month of November 2009, we inquired as to the status of our loan and on as many inquiries were told that we would have something shortly and that our loan was in underwriting and within thirty days we would receive those final papers to sign.

Then on December 27th, 2009, we received a letter from Saxon Mortgage, congratulating us on being approved and accepted into the Home Affordable Modification (See attachment-A). and it stated;"Congratulations! You have been approved for a Home Affordable Modification! We will now proceed with all the steps to prepare your final Modification Agreement that you should receive within the next 30 days."

We were instructed to continue paying the modified amount of $2,073.75 until we received our final papers. So we then received a letter saying that we were no longer in the program because we missed November 2009 and they went on to say that our new monthly payment includes all the funds from the modification and going forward beginning April !st, 2010 is $5000.00 a month!

We dispute this and feel as though we are not being fairly treated in this matter. There have been too many procedural failures at Saxon with regards to the H.A.M.P program and as a result, the communications between the mortgager and mortgagee was and is flawed, documents were mishandled and the fact that we were qualified for the program on two separate occasions. There has to be some sort of checks and balances with these mortgage companies to insure the integrity of the President's programs and associated processes toward qualification.

We are hoping and praying for some intervention to smooth out this operation and modify our loan to a fixed and affordable amount to allow us to keep our home. It is our intention to keep and maintain our home for the rest of our years.

Our loan was sold to Saxon within 60 days of our home purchase. We have always maintained payments but found ourselves having to go thru the modification program last April. We started the process and have been given the run around by Saxon ever since. We have had to send our information on at least four different occasions when we have called because they say they didn't get it but other phone calls in between would be told that they had everything and the modification was in process. We have made a payment to them every month until this February on time. Within two weeks they denied us of the modification and told us our income was not the right percentage to qualify! I've figured it up and it is I assure you. They could have told us that a year ago as nothing had changed.

Now they want $10,000.00 plus right away and all the payments we made for the past year did not go towards our balance. They told me it would and the only negative would be the difference between our normal mortgage amount and the modified amount we had been sending which was only $150 less per month. That does not add up to $10,000! We are stuck and don't want to lose our house but can't get anywhere with them. Who do you go to for help? We paid on time for the past year until Feb 2010 but none of those payments show so no one will touch us to help.

To make a long story short, I'm being denied refinancing because my loan through Saxon actually hurt my credit. I went through them for the modification program. I have been working with them since March 2009. After sending paperwork countless times, talking on phone to people for hours and then some, I was sent a letter in Feb. 2010 that says I don't qualify for help due to no paperwork. Now, Saxon claims I'm 1 year behind, and need to cough up $22,000! My monthly payments wouldn't even add up to that! Plus, the payments I did send were/are in an "escrow" account and don't count?! I can't seem to find legal help, any clues?

I started home modification in June 2009. All payments were sent in on time until November 2009. I mailed a payment in and it was never received. I resent the payment in, in the form of a check and a money order. They received it an processed for 2 different dates. When I called in I was informed that I would not be penalized for the payment being lost.

In December 2009, I called in a payment for the amount I was told to pay. I was given a confirmation number and all was well. In January 2010 I made my payment again for the amount I was supposed to. In February 2010, I called in to find out that my payment had not been received - I called my bank to inquire why and found out that my account had been breached and there was no money in the account. It seems someone had another debit card and had used it. I called back into Saxon and explained and was told that I needed to make the payment by the end of the month in order to not be disqualified from the modification program.

I made the payment on February 27, 2010 over the phone. Now here is where it gets even trickier. I called in today, April 1st and was told that I had a return for $1505.60 to the account because a check was sent in that was returned. This amount is not the amount I was to pay so why would I pay that amount. Then I was told that in December 2009 I shorted my payment. Why would I do that if I know I could jeopardize the modification program. Now I am told that the I was denied the modification due to November payment and the December payment. Hello?! I never received any paperwork stating this and no one ever told me that there was a short payment made. When questioned the supervisor today as to why I would make a partial payment, then turn around and make a correct payment, she could not answer.

She just stated that my February 2010 payment was not made on time... and that my payments were not on time. Forgive me I was making payments on time and they were posted late. Now I am told that I cannot be returned to the modification program because it is a one time thing, that I should borrow the money from someone. If I could do that, I would not have applied for the modification program. I am about to lose my home and this program with this company sucks. I have heard horror stories but did not believe this mortgage company would do that- I was wrong! Someone needs to regulate them.

In January 2010 our mortgage got sold to Saxon. At the time of this sale we were two months behind on our mortgage. We had already done a loan modification prior to the sale and the reason we were behind was that American Home Mortgage was not accepting our payments because they were in the process of transferring our records to Saxon. We didn't receive anything from Saxon until January at which time we contacted them trying to make a payment. They said that our payments were $1000 a month which was the old payment we had prior to the loan modification. We explained this and they asked us to fax over the loan modification paperwork which we did the following day. We waited a couple of weeks and tried calling again. They confirmed they received it and that we would hear from them shortly.

We have contacted them several times, and finally I talked with another person, Carrie, from the loan modification department. We expressed our concern and desire to start making payments right away. She stated that they can't receive payments from us because they have no amount indicated that we are supposed to pay. It is now going into April 2010 and we are no closer to getting this resolved. Technically our mortgage is six months behind, but we have saved the money in order to make the payments. The mortgage company just won't take our payments even though they have the paperwork stating what our monthly payment is supposed to be. We keep trying to contact people but no one will answer the phone or call us back that we have dealt with. When we talk to customer service, they don't know anything and send us to either Larissa or Carrie. They haven't been answering their phones or returning the messages we have left them everyday for a month. Please advise what we can do.

This company, on purpose, raised my interest rate not once but twice to purposely make me fall behind on my mortgage. To top it all off, I had no choice since when I purchased my home I did not even get my mortgage through them, they just bought it from my original mortgage company. Since day one way before I ever fell behind, I have contacted Saxon over a hundred times but every time, they have a very negative nasty attitude about offering any solutions. To me, Saxon Mortgage is a crooked company with no spine or heart. They are taking my home away from me which I owe $104,000 on, to sell in a auction for less than $30,000 instead of trying to work out a solution with me. I will now make sure everyone finds out the truth about them.

We are seeking Counsel to represent us in the matter. The Indiana Attorney General's Office is already in possession of our multiple complaints against these Corporations and he has sent us a letter to sign authorizing him to begin his investigation, and agreeing to make ourselves and our information available to him when this matter goes to court; he continued that, however, we should also have our own personal counsel to represent us , as he cannot get personal awards which we may be entitled to in this action.

We do not live paycheck to paycheck because we overspend or live beyond our means. We now live paycheck to paycheck because my husband's wages were severely cut; however, he is fortunate enough to still be employed. I am now disabled following having worked for 37 years and was quite successful at what I did for a living. But sudden and brutal disability and illness followed by more severe illness, coupled with severe income cuts and loss can change your life in a blink of the eye.

Someone help us please! I am Ill. I do draw SSD and I am married to a man earning 33K per year. Together we earn 53K annual. We are broke, however, and only due to continued and excessive medical debt. In Oct 2009, our medical debt exceeded over 289K. We faced losing everything and being homeless. Prior to my being horribly injured in a falling down the stairs accident at home which has been followed by incapacitating illnesses, I held a position as a successful Bank Loan Officer and worked for 37 years, earning nearly 70K annual. Just myself, but that ended 7 years ago.

Since then we have faced personal disaster after personal disaster, including losing a home to an electrical fire, my husband's wages being greatly reduced by his long time employer, in exchange for being able to remain employed (but at least he still has a job and we still have medical insurance which we desperately need and use), medical complications for me, one after the other. We do not have money to pay an attorney to help us fight what we believe are illegal and underhanded dealings of Saxon Mortgage Services, Inc. who is owned by Saxon Capital, which is owned by Morgan Stanley Mortgage Capital Inc.

We did file for Bankruptcy protection in October 2009, Chapter 7. However, other than for medical debt, we chose to reaffirm our Mortgage with Saxon Mortgage Services Inc, our car loan, for a used, not a new car and a couple of other necessary items such as medical equipment that I need and the water softener we had to purchase due to excessive iron and rust in our water supply. We never eat out, go to the movies, take vacations, or buy gifts or any other outside entertainment. We have no credit card debt. Our money is spent on medicine, our $861 per month house payment, utilities (meaning gas, electric and home land line telephone) and basic living expenses such as groceries, gasoline and insurance. The only extravagance we do have is DirecTV and we purchased just the base package, no premium movies, games etc. We had to have Satellite or Cable to get any reception because we live in the country. We believe that television is a necessity in order to be kept abreast of weather conditions or news concerning our safety, government happenings or threats to our safety made by others.

Our Mortgage loan was transferred to Saxon Mortgage Services Inc, in May of 2007; after we had just closed a refinance of our first mortgage on April 02, 2007. We only refinanced our first mortgage in an effort to repay creditors who had advanced us funds to pay medical debt, and to reduce our monthly payments in order to repay everyone.

We have been in our home since 2004. We have experienced much debt concerning our home and have paid things like having to repair and replace frozen water pipes that ruptured in our walls, followed by making the costly repairs to our home following that incident, (our home owners Insurance said the damage to the walls was caused by having to make the actual repairs to the water lines, therefore they would not cover it). Our Town claimed we were in violation, because the Town had updated the town's water and sewer lines in 2003, prior to us purchasing our home (which was built in 1923), and we had not brought our water lines up to code (We had no idea of any of this until receiving the letter telling us we were in violation), thus we had to spend an immediate $8000 to replace all of these lines. Our Town had threatened us with legal action if we did not get this done. We found out and while the actual work was being done to replace the lines, as the Town told us under threat of legal action that we had to do, that our Town had not replaced any of the lines which they said they had replaced, however our work is done and has been paid for in full.

We are not past due with our mortgage payments. Our next payment is due in a couple of days on 04/01/2010. I personally telephoned our mortgage company (Saxon) on 10/06/2009, the day before we filed bankruptcy, and I let them know we were filing bankruptcy, and why we found it necessary to do so. I also advised them that we intended to keep our home and would continue making our monthly and agreed upon payments. I asked them to send reaffirmation documents, I did this in writing as well as verbally. I asked if reaffirmation was possible and was told ,"Of course, we see no problem in doing this for you".

We continued making our Mortgage payments all along. We did run slowly a couple of times, but never even close to 30 days late, and this had to do with another problem which smacked us across the face. We are victims of identity theft, but I'll get into this subject in another time.

Saxon Mortgage has made serious gross error after serious gross error with our Mortgage Loan transactions. Our Mortgage was transferred to Saxon in May of 2007 (actually and as we understand it, Morgan Stanley Mortgage Capital, Inc is who owns our Mortgage; however, they assigned it to Saxon Mortgage Services to act as their Legal representative and to handle all of the accounting and other services necessary of a Mortgage Lender).

In July of 2007, we received a notice from Saxon telling us that they had paid our Homeowners Insurance Annual Insurance Premium of $660 and that they had paid this premium to State Farm Insurance Company. The problems are, we did not owe an Insurance Premium on July 1, of 2007. We had already paid our Insurance carrier our annual premium for year beginning 07/01/2007, through 07/01/2008 for the correct premium of $554. Further, State Farm Insurance Agency is not now, nor have they ever been our insurance provider. Our Insurance carrier is Wolverine Insurance Co and has been so since we purchased our home in 2004. Our premium amounts have gone up since 2004, but never have they been $660.

Our present insurance premium is $570. Saxon did nothing to get our money back from State Farm Ins. Co, further, because they elected to pay State Farm, our Escrow balance was now seriously in the red. I personally contacted State Farm Insurance Co, and had them refund the $660 that Saxon had paid to them, only because Saxon had not made the effort to recall or recover our cash from State Farm themselves. In the meantime, Saxon re-amortized our Mortgage based on erroneous and incorrect information, and Saxon increased our Mortgage payment, because, per Saxon customer service department, they (meaning Saxon) "continued to show a greatly inflated insurance premium responsibility". I fought with Saxon, but that did no good. When Saxon received the refunded premium from State Farm, they applied these monies to a suspense account, but did not inform us that they had received the refund. I found Saxon's web site where I could review, only some, of the monetary activity Saxon performed to our account balance.

I contacted Saxon in July 2007 to discuss the suspense account. I was told by customer service that Saxon did not know where to apply the monies which had come in from State Farm. I explained to them that the payment they made in error to State Farm had come from our Escrow account and that this is where the $660, which State Farm had refunded to Saxon, needed to be credited to and in full. I also explained that this would resolve the negative balance currently documented to our Escrow account, and that our Escrow account is only showing a negative now, because of Saxon's error. The next month we received a notice of Payment due from Saxon, but it did not indicate any previous payment activity. I signed into SaxonMortgageServicesonline.com; where I saw that our Escrow balance was still showing a negative balance, and that the suspense account was now indicating a zero balance. I called Saxon and asked them to send a payment activity summary to me since they would not allow us to see this online. They mailed it to us that day.

In this payment activity summary, I saw that Saxon had applied the insurance refund monies as a principal reduction, rather than having credited our Escrow Balance, to which account the funds did absolutely and legally belong. I had to fight with Saxon all the way through December of 2007 in order to get the monies applied properly, and to be very honest, I have never seen a general ledger page that looks like the one Saxon sent us. It is coded in the most peculiar way and frankly, the columns make no sense and do not add up correctly. I had seen any number of accounting techniques during my career in banking and this one looked as if it was intentionally made to deceive a customer, posting dates were not accurate, interest and principal break downs made no sense. I saw credits issued in one month and dated, followed maybe two to six transactions down the page where that dated transaction had been debited and one or two pages later, that same dated transaction was credited again, but broken down into categories that made absolutely no accounting sense whatsoever.

In December, 2007 we received a notice from Our County Treasurer's office that our Property taxes, payable November 2007, had been grossly underpaid by Saxon Mortgage Services, Inc; so I contacted Saxon by telephone, at that time, because Saxon did not allow me to review Escrow payment activity online any more,

I spoke with a representative of Saxon's Escrow Dept. who told me that Saxon's records indicate that our Escrow account reflected a different amount for our Property Taxes than the Treasurer's Office indicated in the invoice they had mailed to me. I then contacted our Treasurer's office. I was told by our County Treasurer that Saxon had received the exact same Tax bills that we had received, and that the amounts shown on our statement were exactly the same as had been provided to Saxon. I asked the Treasurer to send me a copy of the original document which had been sent to Saxon. I received that copy and it did reflect the correct amount of our actual Tax payment. Again Saxon had incorrectly documented or inserted another account's information to our Escrow balance, just as they had our Homeowners, Insurance Company name and premium amount.

I telephoned Saxon again, asking if they had received the notice of underpayment of Taxes, which now included Penalties and Interest. They claimed not to have received it, so I scanned and faxed my copy to them, from my home, as well as having mailed them a copy of my copy. In five days, I called Saxon again. I was told by Saxon's Escrow department the following, and when I had asked him to read all of the Escrow information, including how much and to whom our Homeowners Insurance Premium is paid to; when it is due and how much our annual Property Taxes are annually, and how much they (Saxon) were scheduled to pay for our two installments, payable 1/2 by May 10th and 1/2 by November 10th of each year. First Saxon's Escrow department told me again that our Homeowner's Insurance carrier is State Farm Insurance Company, our annual Premium being $660 annual, due July 1st of each year and then told me that our Property taxes were over $500 each year.

Every last detail that Saxon read to me was still wrong, even though I had been supplying Saxon with original and correct documents, which by the way were the same documents that our previous mortgage lender had always had copies of and would have transferred to Saxon in May 2007. There had been no changes to our taxes or insurance that could have, in any way, caused this sort of confusion. I again asked for a written Statement of our Escrow Account and also our Payment activity. I received these 10 days later and it did indeed reflect all of the wrong information that I had just spent the last 7 months, contacting Saxon repeatedly, month after month, by making phone calls and by providing written documentation to Saxon; as proof /evidence, in order to get all of the correct Escrow information to Saxon. The day after receiving our Escrow and payment summary in the mail from Saxon, we received a new re-amortization schedule which indicated yet another increase in our monthly mortgage payment. I continued working on all of the errors Saxon has made.

In the year 2008, we received no less than 4 mortgage payment increases to our Monthly Mortgage Payment. Our Mortgage Loan is a 30 year fixed rate mortgage, so we certainly did not understand all of these increases; however, we were told by Saxon that we had to pay them at the risk of being foreclosed upon. We were struggling horribly financially by this time and the monthly payment increases were hurting us very badly and prevented us from being able to make other payments to creditors on time and in some cases being unable to afford to buy my medications, because we wanted to be absolutely certain to make our mortgage payment so we did not get thrown out on the street.

I have learned since I originally wrote this document that Saxon Mortgage Services, Inc incorrectly booked our loan into their system as an ARM, doing this In May 2007, after our loan was transferred to them for servicing; and even though I wrote dispute after dispute letters to them, they have never made the correction to our documents or the accounting that they have recorded in their computer system. This means to me, that Saxon Mortgage Services, Inc has fraudulently and intentionally over charged, and has collected from us under threats of repossession, increased and unearned interest income which they were never owed! When I told them that we disputed these quarterly increases and were not going to pay the increases until Saxon could prove that we owed them, Saxon verbally threatened to foreclose and repossess our home, followed by letters threatening to Foreclose and sell our property at sheriff's sale. This would be theft! Wouldn't it be? Wouldn't RICO charges fall in here against them some where in all of this illegal activity?

When we first located and signed into the Saxon Mortgage Services,Inc Web site, I saw where I could make our payments online and directly to Saxon Mortgage Services, Inc because I was afraid of ever missing a payment and would risk being thrown out of our home as Saxon had told us more than once, I did investigate how this payment system works. We were given the following choices.1) Pay a $4.95 fee each month to Saxon, and we could make a one-time payment each month and online, which would be credited to our account on the day we scheduled the payment, or 2) we could set our payments up to be paid by automatic payments, which would be scheduled for the same day of the month; each month.

I could ill afford to pay Saxon another $4.95 each month just to make a payment, so I selected the 'make automatic payments' by ACH transaction where Saxon would cause a debit to our personal checking account each month, and on the same day of each month. It is this Automatic payment arrangement where Saxon learned of our Banking information and which I canceled, and in writing, any authorization which would allow them access to our checking account. I canceled this in in June 2009, and as per the terms of cancellation which is published by Saxon Mortgage Services, Inc as the only way to cancel our authorization. They used this same information to perform the illegal act of Conversion of our funds in July 2009 and again in November 2009, and while our account was under the protection of Consumer US Bankruptcy Laws.

I read the regulations carefully, noting that if we ever wanted to stop or Prevent Saxon from paying themselves automatically from our checking account, we would have to mail or fax a signed and written statement to Saxon, using Saxon's online and available 'Automatic Payment Cancellation form. This dated Notice of cancellation of ACH monthly payments to Saxon ordering them to cease the activity of ACH Payments and canceling any authorization which we had given to them at one time to make automatic payments, must be received by Saxon no less than 15 days prior to a scheduled ACH payment coming due; on the scheduled payment date. (They had to receive it 15 days before the actual established or recorded ACH payment transaction date was to begin, and NOT by the actual mortgage contract due date). I understood this very well.

Our scheduled payment date had been established as the 13th day of each month.

Our contract due date is the 1st day of each month. On June 26th, 2009, 18 days before our scheduled ACH payment was to be processed by Saxon to our Credit Union, I did fax a completed and signed "Automatic Payment Cancellation Agreement" form to the fax number provided by Saxon online at their customer Service and Account information Web Site, and which fax number Saxon's Customer Service Department had also given to me verbally as well.

Nowhere in the regulations or instructions does this notice state that the ACH cancellation form has to be received by Saxon within 15 business days of the Scheduled payment. I have read, reviewed, and re- read and re-reviewed again this regulation and all documents governing Saxon's Automatic Payment guidelines and system.

Following cancelling this automatic payment process, we paid our payment directly to Saxon for the month of July 2009, using Saxon's online one-time payment process knowing full well that we had cancelled the ACH agreement as we had been instructed by Saxon and per their terms and well before the ACH payment had been scheduled. I even called Saxon to verify that they had received our Notice of Cancellation document, which was verified as having been received by Saxon's Customer Service Department the day that I faxed it to Saxon and which was June 26th, 2009. Our July 2009 payment was made to Saxon on July 1, 2009. Saxon paid themselves again for the July payment on July 13, 2009.

The payment that Saxon paid to themselves was returned by our Credit Union as an NSF (non-sufficient funds) transaction. However even though the payment Saxon took on their own accord from our account had been returned to Saxon, our Mortgage Loan Account was not past due for the July payment, and we have evidence of this. Saxon assessed our account a late fee penalty and an NSF check payment penalty to our mortgage account balance.

When our Credit Union charged our account $50 in fees, this reduced our balance and caused the check I had written to my grocery store (Kroger) to be returned, being short by $20.and was to short to pay the $13 check I had written to our local convenience store and which was returned to them as well, we were assessed an NSF for this one in the amount of $25.00 and an electronic transfer in the amount of $15 to Pay Pal for which our checking account was too to short to cover. However. by agreement this electronic draft was paid, however because the account was NSF our account was assessed what is referred to as a paid NSF fee of $25.00 The convenience store charged us another $25 NSF Fee because their check had returned to them as unpaid and our grocery store, Kroger, then assessed us an NSF fee of $25 and turned our returned check over their collection agency.

Kroger's collection agency then listed our Names, Drivers License Numbers , Home Address , Phone Number and the name of our Financial Institution to a Nation Wide Reported list of people who write bad checks and advised retailers and others not to accept Check payments from us. We learned of the Nation Wide Report and our names being on this list when we tried to buy necessary household items at Walmart and our check payment was refused, and so we had to spend another $3.00, using the ATM located in Walmart, to withdraw cash funds from our checking account balance in order to pay cash for our purchase. This was humiliating and very embarrassing to us and it made me physically sick to my stomach as we were driving home in our car because I was so sick over the experience we had just gone through. I was afraid to face people in our community who had seen us in line at Walmart. How does one begin to explain and then have people believe that our Mortgage Company caused all of these problems for us?

I contacted Saxon concerning this issue and they first told me that we had never sent in the Notice to cancel our ACH monthly schedule payment to them. I argued and then faxed over my copies of these dated and signed forms, I also faxed them a copy of my Fax receipt which also shows the Date, Time , number of pages and the telephone number to which these documents had been faxed to Saxon. Within five days we received a letter from Saxon telling us that Saxon takes no responsibility for this error, because we did not get our cancellation forms to Saxon within 15 business days before our ACH payment was scheduled to be run.

I then highlighted Saxon's own Automatic Cancellation of ACH payment form, regulations and directions for processing and then using Saxon's Online email communication page, which goes directly to Saxon's Customer Relations Department, I Immediately sent it to them. I also called and spoke with Saxon's Customer Service Department again, and was told that day that Saxon would pay, or refund to us all of the NSF fees and charges which we had been assessed; and within 5 days. In addition Saxon would reverse the NSF check penalties and the late Fee that Saxon had assessed our account. This did not happen within 5 days. I waited an additional 2 days in case Saxon was going to try and tell me that they meant 5 business days, before I called them again. On the 7th day, I called Saxon and was told that no one ever told me they were rebating any fees to us and which that we had been assessed by our credit union for NSF, nor that they were going to reverse the NSF and late charge penalties. I have record of the customer service person's name, employee number, date and time of my call. Saxon claims to record all customer service and customer relation calls and e-mails.

I again emailed Saxon's Customer Relations department using their Web site embedded e-mail form, explaining this entire ACH/NSF situation. We had no further contact or information from Saxon, regarding this matter, until August 12,2009; when we received by the US mail Delivery, a check from Saxon with a brief two sentence letter which indicated that the enclosed check payment of $50.00 was a 'fee refund'. It says nothing about the fact that is in regard to the ACH payment to themselves, and which they made without our authorization made by Saxon.

This was not nearly everything it has cost us. Saxon still owes us $128 from all of NSF fees and ATM charge we have had to pay out of our pockets, because of their attempt at the illegal acts of Conversion of our funds. I have sent letters and have had absolutely no response from Saxon regarding this matter. (In fact you are reading the exact letter I sent to Saxon asking them why they have never answered any of my previous letters of dispute and all of the problems which still exist between us and Saxon Mortgage Services, Inc; and all the blatant and continued incompetence and illegal activity done by Saxon Mortgage Services, Inc;and not to just our Mortgage Loan account serviced by them, but includes over 1500 complainants which I have identified on a number of consumer web sites and forums. I have not heard one word from Saxon.

On September 14th, I signed into Saxon's web site in order to make an online and on time monthly mortgage loan payment; while using Saxon's online one time payment system, however the system kept rejecting my payment, saying 'not authorized. " This happened no less than 6 times, so I mailed our September 2009 payment to Saxon with a note attached explaining that their online payment system had rejected my on time payment to them and then knowing it would arrive to Saxon after the expiration of our 15 Grace Days I asked Saxon to back date our payment as having been made or received by Saxon on 09/14/2009, and which was, in fact, the date I had made every effort to pay our mortgage loan payment. And further I asked Saxon to waive any late fees which we felt would be assessed by them, and unjustifiably, to our mortgage loan account.

Because of all of the costly and continuing errors being made to our Mortgage account by Saxon Mortgage Services, I find it necessary to monitor closely, any and all transactions to our account with Saxon Mortgage Services. I should be on Saxon's payroll for all of the time I find I must dedicate to Saxons Business of Mortgage Loan Servicin; and in trying to get all of the errors made by Saxon to our Mortgage Loan account corrected . I feel positively certain, and because I having recently (this month 03/20) ordered, received and reviewed our Mortgage Loan Account payment history and escrow summaries which are posted, serviced and maintained by Saxon Mortgage Service, Inc; that Saxon has not corrected the first error!

I am extremely distrustful of this organization and have taken the time, on at least 6 occasions, to communicate, in writing, all of our concerns, and report all of the errors being made by Saxon, directly to Morgan Stanley Company who Saxon refers to as our "investor". I have had two responses from Morgan Stanley Co, by email, One stating that they are "sorry for all of the problems and will be referring our concerns to Saxon's Customer Relations Department" and the other is regarding our Mortgage Loan Modification agreement when Saxon. Mortgage Services, Inc after lying repeatedly about the status of our modification and restating the same lies over and over again about not having received all of the required documents from us, and then not at all, and which was followed by us being told the terms of our modification not once but three times, and those terms either being recalled or changed during each different telephone conversations with persons working for Saxon that swore to us that they were reading the written and approved terms of our Mortgage Loan Modification Agreement which are supposedly recorded to a computer record keeping system; and originally entered into the system by the so called Loan Modification "Negotiator" who is responsible for the accounting of the figures used in and approving the terms of our Mortgage Loan Modification agreement. This same in house computer NETWORK system which is used by all of the departments of Saxon Mortgage Services, Inc so that they are all supposed to be relaying the same account information to a customer; for loans which are held and serviced by axon Mortgage Services, Inc.

Now I want to refer back to the paragraph just prior to the last one, regarding being denied access to Saxon's online mortgage payment system on September 14, 2009. Our payment which I mailed to Saxon, only because Saxon's online system would not "authorize" us to make or enter an online payment to them, so I had mailed our September installment payment to Saxon; a checking totaling $860.67 as the amount, and which is currently the amount of our Monthly Mortgage Payment. At this point I had no desire to argue anymore with Saxon, I simply wanted to make at least one payment with no hassles involves.

I watched our Account on Saxon's web site and never saw our payment post as a payment. I even called the Post Master General's office to verify the number of days it would or could take for my business size envelope containing our payment and the letter of dispute; in preparation of having to fight with Saxon AGAIN, as this had become the only way Saxon conducts business.

It appears to me that Saxon would do anything to be able to charge a fee to our account, or to hassle us in every way that they could. I looked for a verification of the transaction in our Checking account and found that the payment that had been mailed to Saxon the 14th day of September had not cleared and had not been presented for processing to our checking account ever! I called Saxon and was told that they never received our check, and which I can honestly, factually and knowingly state, was mailed to Saxon's payment processing address as they list on their web site as the address to mail all payments to. I personally took the properly addressed, sealed envelope containing our September payment not to just any mail box. I took it inside to our local post office and deposited it in the interior mail bag for all out-going mail, as it is the only acceptable outgoing mail depository located within our local post office.

I telephoned Saxon's Customer Service Department immediately and was told by Saxon, that because we had submitted a Non-Sufficient Funds (NSF) Payment to Saxon Mortgage and our payment had been processed twice by them and still was not honored or paid, that Saxon will no longer accept personal check payments, or authorize online payments which process though our Checking account, from us.

I tried very hard to get this very harsh spoken, with her rude attitude directed towards me, Saxon Representative to understand that the only reason our check had been returned was because Saxon made an error and failed to stop or cancel the automatic payment process, which we had responsibly, and in writing, using Saxon's Procedure and forms to cancel the automatic payment, delivered to Saxon the required and Legal Notice to Cease and to Cancel previously authorized ACH payments; and however, Saxon did not get it withdrawn from their own system as per the directive of our Legal Notice; and further Saxon's failure to act is what has caused the NSF transactions. I even told this woman that Saxon had just sent us a check for $50*, in consideration of their error for having run this payment.

When the supervisor did finally pick up my call, he too was rude. I made every effort to remain calm as I explained the entire situation again, before being told again to send "Certified Funds. " I began remembering something I had been told by a few of the Customer Service Representatives; and which is that Saxon records all customer calls, I asked this supervisor to refer back to the notes in July, 2009 and so he did as I asked questions as to what he was seeing in writing.

After reading the notes, he did not apologize for his rude attitude. He did say that I was correct however. Then he said that I should not be having any problems making my payment using Saxon's on-line payment System. With this supervisor on the telephone with me, I sat in front of my computer and tried to process our payment through Saxon's on-line system. I did not want to have to risk mailing our payment in again; feeling that because Of Saxon's record of never getting anything corrected or resolved,, that Saxon will only return our payment to us again. Our payment was now approaching the 30 days late category and would be reported to the credit bureau in that state. Saxon's system still rejected our payment. I asked the supervisor if I could give him our Payment information over the telephone.

I know that Saxon accepts payments this way. And they do charge a $15.00 fee to pay them this way; over the telephone. He said no, because even though he had sent an error report concerning the wrong information having been posted to our account and which stated "Accept Certified Funds only," that this error report would not be run or processed until the next Monday's Business, therefore he could not even force our payment onto the system. He said I would have to call back the following Monday.

I called on Monday and still was not allowed to make a payment, as the correction had still not been made to Saxon's Computer system. Our account had not been updated. Our account hit 30 days late before Saxon made the correction, and then finally accepted our telephone payment. I was promised by Saxon that they would correct the 30 late reporting that they had reported to the three different credit bureau reporting agencies; in addition they promised to reverse that late fee penalty which had been assessed to our account.

By October 7, 2009 the errors had still not been corrected and we were still struggling horribly, in part because Saxon having had increased our Mortgage payments so often and for so much. I lost all access to our Saxon account online, following my telephone call to Saxon in which I advised them that we were going to file bankruptcy and why.

I now have serious doubts as to whether Saxon has made any corrections to our account balance, or has removed any of the negative information they had been attacking our account with and I know they have never issued any corrections to the Credit reporting Agencies, as I pulled a credit Bureau report this past November, after we filed our Bankruptcy and Saxon was till reporting very wrong information.

I also found at out this time that the reason our payments had gone up four times in the year 2008 is that Saxon falsely recorded our loan to their computer system as an ARM (adjustable rate Mortgage) instead of the fixed rate mortgage which it actually is. This of course tells me that Saxon Mortgage Services falsely charged and collected from us, interest payments and amounts and which they were never legally due and payable.

This means to me that Saxon owes us money and upon the discovery of this error, Saxon should have rightfully audited our loan and should have either sent us a check for the overage which they had charged and we had paid, or at least, Saxon Should have credited the interest payment overages which we have paid to our principal balance. They would need t ask us where to apply the funds or whether we wanted the funds sent to us. They did nothing, even when I sent in several written notices of dispute to them.

In September 2008, we sought help from a consumer credit counseling service. ; non-profit and not one of those rip off companies, and where with the agencies assistance; we asked our creditors, not including Saxon Mortgage, to help us by agreeing to reduce the interest assessed to our accounts and thereby lowing our monthly payments. I then contacted Saxon Mortgage Company and asked for a Mortgage Loan Modification.

I mailed the package containing every bit of Loan Modification information, and which was asked for by them, to Saxon on September 10th, 2008. I called Saxon on September 24th, 2008, and was told that they had not received the package.

The deadline which we had been given to get everything to Saxon, or, we had been told, we would be unable to qualify for a loan Modification, was fast approaching. Our deadline was the 27th day of September and today was the 24th.Day of September. I was very much panicked and stressed and so afraid we would be thrown out in the street. I spoke with Rosie M. of the Saxon Loan Loss Mitigation Department, and she told me that there was no record of our documents having been received by Saxon. I began to cry. "Rosie" told me not to worry, that since I had exact copies of everything, I could fax them to her right then and she could get it recorded as received; yet that day, guaranteeing that all of our information had been received by Saxon before the deadline had expired.

I immediately faxed every last document to "Rosie" at Saxon. Rosie remained on the telephone line with me as our documents were being sent to her attention. Rosie asked me some financial questions and some questions about the medical expenses and things that had been happening to us, and which had caused our financial turmoil. I explained everything and then "Rosie" asked if we were still making payments on our Mortgage Loan held by Saxon. I told Rosie" Yes", we had made our September payment, but our October payment was going to be a few days late, but would be there before the 'grace' period expired. "Rosie" said that she had our documents in her hands and that our Modification would be approved, and that it takes 20 days from receipt of our documents for our assigned to a negotiator to review them and to then offer us the terms of the approved modification. "Rosie' said to stop making our monthly Mortgage loan payments, beginning with October Installment, and to just 'hang on "to the funds, because we would need to them in order to pay the fees that are assessed for a mortgage loan modification.

I felt some what better having spoken with "Rosie", and in knowing that someone at Saxon is now confirming that they were in receipt of all of our necessary and required documents, in order to finalize and close on our modification. "Rosie' of Saxon Mortgage and I had been on the telephone for almost 2 hours together; as she reviewed and asked questions pertaining to the documents she had just received. "Rosie" even gave me the name of our negotiator, who is "Linda. " Rosie told me to wait for 7 days and then to call again, in case "Linda" would need to ask us anything more. We waited and on the 7th day I called to speak with "Linda. "

Linda was not available and so another person took my call. This person told me that no documents had been received from us requesting a loan modification. Have you ever had that feeling when you heart falls into you stomach. You can actually feel it deflate and the blood run from your head. I asked her to please check again and then I relayed the 2 hour conversation I had, had with Rosie just 7 days prior. Getting the same answer from this person; which was no Documents having been received, I got sick to my stomach and had to terminate the call.

I was so sick all night long and could not sleep. My migraines returned with a vengeance. The next morning I called again, but this time I was told that our documents had been received by Saxon on September 17th (and prior to having spoken with "Rosie on the 24th of September) , and that this was the date that Saxon had recorded as having received all of our required loan modification Documents. Rosie M. had just told me 8 days prior that our forms had never arrived, which is why I faxed them to her. I did confirm that "Linda" is our assigned Negotiator and that we had been approved for the modification and further, was told again that Linda had 20 days from the date of receipt to contact us regarding the final terms of our Modification and that our Modification would close or be finalized by month ending November, 2008. Without relaying all of the additional conversations in this writing concerning the modification, Suffice it to say that my heart was ripped from my chest on more than one occasion as Saxon representatives each relayed a different story to us concerning the processing of our Mortgage Modification agreement, and even though I was invited to leave multiple voice mail messages to Linda's voice mail box where the promise was made to return calls within 24 hours, I never heard from her; nor had the chance to speak with Linda.

Our requested Modification was not closed until the end of January 2009. The terms of our modification were changed three times during this time period. We were told a specific sum of money we would need to send back in with the signed modification agreement and we were also told the amount of the new monthly payment.

What we were told were the terms, and then what terms and agreements actually arrived in our mail box at the end of December 2008, were all very different from what we had been told and what we were expecting. The so called 'Modification" had in fact been changed to worse repayment terms than what we had asked to have modified to a lower payment.. We could not believe what we were reading, and could not begin to understand why Saxon had lied to us over and over again. I did write a letter to Saxon and to Morgan Stanley Co, our so called investor. Within 2 weeks we received a new mortgage loan modification agreement in the mail with no explanations or a cover letter, but this time our mortgage had been modified. Our Interest was reduced from 8.55% fixed rate to 6% fixed rate and we were required to pay a $552 legal fee for processing our Mortgage Loan modification, further our payment had been reduced from $1181 to $850.03 beginning with the February 1st 2009 Mortgage Loan Installment payment. This was still more payment than we were comfortable with, but we felt we had no option but to accept it and to do our utmost best in meeting our monthly payment due date on time.

In June 2009, we received, by US Mail, and from Saxon Mortgage Services, a re-amortization schedule which increased our monthly payment to $873.97. I did not understand this increase in the least, because our Property taxes had been reduced just this previous year; and by over half of what they had been; Thanks to Governor Daniel's changes in Indiana's Tax assessment laws. I recalculated and corrected all of the incorrect figures that Saxon had used to recalculate our new payment. I called Saxon and found out to whom I should direct my Fax to; and which contained all of the correct figures, then I faxed over the corrected amortization. I followed my Fax with a telephone call to Saxon' customer, service department, their tax department, Insurance department and finally Saxon's Escrow department.

I wanted to speak with each department to be certain that they all had the correct information recorded; by which to pay our taxes and to calculate our new payment. Having spent so many years in banking myself and having spent part of that time as a mortgage lender, I knew that what I had provided to Saxon was correct; down to the penny. Saxon argued with me, however we did receive a corrected re-amortization schedule the following month, and even though the payment Saxon was now demanding was still higher than it should be, it was within $20 of the correct figure and I did not have the strength to fight it any more; and so we simply pay it, as presented by Saxon.

The year 2009 had been no better for me health wise, and even though we do have medical insurance our medical debt is still unusually high. We were making small payments to all of our medical providers, but one of the hospital's collection co, to which our medical debt file had been assigned, became very unhappy with the $175 we were paying to them each month towards their $138,000 bill; from when I had been hospitalized for 3 months, following my fall down our stair case and almost dying. The collection agency they had sent our debt to for collection was quite harsh, and began demanding more money or they would sue us and attempt to garnish my husband's income. this is when we turned to attorney Justin W. who advised our best course of action was to file for Chapter 7 Bankruptcy protection.

Justin W. assured us that reaffirming our home and car would present no problems for us, as long as the Bankruptcy Trustee and the Judge in our case saw that it did not create a financial burden that we would not be able to handle. We filed Bankruptcy on October 7, 2009. I called Saxon Mortgage on October 6, and advised them of our intentions to reaffirm our obligation with them, and we wanted to know if there would be any reason they would not accept our reaffirmation? We were told "no problem, you are making your payments. " Saxon then agreed to prepare the reaffirmation documents that we would need to sign, and return to them in order for SAXON to record and file this reaffirmation with the court system. That was October 6, 2009. Our first meeting of creditors was scheduled for November 12, 2009.

Saxon no longer allowed us access to their on-line Mortgage Loan account system, nor could we pay them with automatic on-line payments and they did cease sending us mortgage statements. I was scared to death to try and pay Saxon by the U.S. mail for fear Saxon would only again return our payments to us a month later and charge us more fees and report us to the credit bureau again. "Donna' of the Saxon Mortgage Bankruptcy department is who I am to communicate with at Saxon during the Bankruptcy process.

I became quite concerned that we had not received the reaffirmation documents from Saxon just a few days prior to our 341 meeting. Of creditors. I called Donna at Saxon who told me the reaffirmation documents had been ordered and not to worry. Our 341 meeting came and went on November 12th, 2009. NOTHING! I called Donna again the following week. Donna spent a great deal of time with me on the telephone, discussing all of her daughter's woes, as Donna's daughter was going through a horrible divorce and Donna was having to take time off from work at Saxon to take care of her daughter's business and to help her woeful daughter. I offered Donna my sympathies, and then asked Donna again about our reaffirmation agreement, and she once again told me not to worry, that it had indeed been ordered and we should be receiving it any day now.

I was again then allowed to schedule our on-line payments to Saxon and using Saxon's on-line payment system, even though it meant we had to pay a fee to Saxon to make our payments. Saxon would not allow us any other from of communication regarding our Mortgage Loan Account. I could Not watch on-line to see if Saxon was continuing to make costly errors or not.

I then found out that I could make payments through our Credit Union's new bill paying service, and that it would cost us nothing, not one penny to have our payments made either electronically or by check to any and all of our creditors. I really liked this idea for several reasons, 1. The payment is deducted from our checking account the day the payment is sent to our creditor, and then automatically recorded to a check register for us. 2. The system keeps a record of tax deductible payments made to doctor's hospitals, our mortgage lender, if we entered all of our mortgage accounting information; It could even provide us with a break down of our payment letting us know how much principle reduction we had made, and keep better tabs on the amount of interest we were paying each year. I had been having to call Saxon each month, because I was no longer able to access our account on line, and because I was not receiving statements, and with Saxon's extremely poor record for recording our payments correctly, I trusted my credit union system, where I had no faith in Saxon at all.

I was not able to track the payments I scheduled using Saxon's system, and felt as though I had scheduled my December payment to be made on 11/25/2009 to Saxon; before it was due and using Saxon's On-line system once they began to allow us to post to this system again. I even have a receipt which is generated by Saxon's system and sent our personal e-mail account verifying we had scheduled a payment and on what day. We were still in Bankruptcy and which was not scheduled to be discharged until 01/17/2010.

I called Saxon to verify that I had a payment scheduled for 11/25/2009 on their records. I was told no, absolutely no payments were scheduled to be made to Saxon using their on-line system or otherwise, I am not certain what they meant by otherwise. I asked them please to be certain, because I felt for certain that I had scheduled a payment. I even gave them my receipt number to verify with their records. I was again told no and told that it had been confirmed by their system. Per Saxon, "there is absolutely no payment scheduled to post to your account on 11/25/2009" I asked if there was any place other than that one computer page on their system, which they could check to be certain I had not scheduled a payment. I was told that there is Only one place, one screen to check; which contains all of their payment and scheduled payment information and we definitely had not scheduled a payment to be made on 11/25/2009.I asked why I had been sent a receipt an was told that had been an error by their computer. I explained that because we are in Bankruptcy that I feel it is especially important to make certain that our payment arrive to Saxon by the first of each month an when our payment is due. I was told I needed to make or schedule a payment because Saxon's On-Line payment system definitely has no payment scheduled.

I was forced to have to take Saxon's word for it, because I could not see my own account on Saxon's On-line system any longer. Not wanting to be late making a payment to Saxon, and based on the fact that Saxon claims that I had not scheduled any payment; I then scheduled our Saxon Mortgage Loan Payment to be made by our Credit Unions Free bill paying service.

Saxon lied again!! Our payment from our Credit Union posted to our Saxon Account and just as it should have and just as I had scheduled it to. Of course Saxon ran a payment through themselves from their own system causing our checking account to be overdrawn and being assessed three NSF fees because of other checks that bounced due to Saxon running a payment through without authorization, again! Saxon's lies caused costly errors and while we were still in the bankruptcy process to boot and while trying be so very careful with our credit with our credit union and others. We were still waiting to receive our reaffirmation agreement documents. I called Saxon every other day to remind them that we had yet to receive the reaffirmation agreements which had been promised in early October of 2009; and knowing our discharge of debts was scheduled for January 17, 2010.

Finally, and on December 08, 2009, I received a call from our attorney's office; informing us that they had just received our reaffirmation agreement forms in that day's mail; and from Saxon. My husband immediately left our home to retrieve them right away. ; from our Attorney's Office. Our attorney had already signed them, and had done this before I had, had the opportunity to review them for any errors.

In reviewing the reaffirmation documents, I found error after error after error. They wrote that our mortgage had been written originally as an Adjustable Rate Mortgage (ARM,) which it is not and never has been true; our principle balance was showing almost 3000 more than it actually should have been , and they showed their mortgage as the original purchase money mortgage which it was not. The mortgage that was transferred to Saxon was a re-financed mortgage, having been refinanced in April 2007. I would not sign the reaffirmation agreement as presented because it was so very wrong and in no way would we accept an ARM Loan.

I called Donna of Saxon Mortgage Services Bankruptcy department. Donna argued and argued with me telling me our Original Mortgage contract which had been transferred to them is, is without a doubt, an Adjustable Rate Mortgage. I asked Donna if she had our mortgage contract available to her and she told me she has only a portion of it. I asked her to get it and then she said she did not have all of it. . I read her line by line down through our Mortgage agreement, which I had my copy in front of me. When I got to the line reading 8.55 % fixed rate 30 year mortgage Donna did apologize. She then gave me the phone number to the law firm who handles the writing of Saxon's reaffirmation agreements.

I called and spoke with Carolyn of US Banktruptcy, a Law firm. Carolyn told me she could not make amendments, or make any corrections, without Saxon first correcting their computerized account information, which is fed to the Law firm from Saxon. Donna had told me, that if that comment came up, I was just to tell them that Donna said it was okay to make the changes. I did not see how my word as a debtor was going to be acceptable, but I did as Donna said to do. Carolyn said she would have to call me back, after she had the opportunity to verify the information that I had given her; and with Donna at Saxon. She asked for my phone number, but never called me back.

I called and left message after message for Carolyn to return my calls and I also called Donna at Saxon to let her know we had received no corrected documents. Donna told me the corrections had been made as requested and the documents were on there way to our attorney. On the morning of 12/22/2009 and again speaking with Carolyn at the Law firm; she claims to have checked her system; telling me that Saxon had still not made the correction which would indicate that our Loan is indeed a fixed rate mortgage and not an ARM.

Carolyn did call me the Afternoon of December 22, 2009, at 4:47 pm and asked if she could fax over the new reaffirmation agreement, and that all of the misinformation had been corrected. I told her most definitely, that I was standing by to receive it; and that I would take it to my attorney's office for his signature. She said great," ask your attorney to "fx" back the signed documents to her today, and also to return the originals by U S mail Service. I did as told, except that, I called my attorney's office and it was closed for the day. It was now 4:59 pm. 12/22/2009. I called Carolyn back and this time she answered her own phone. I told her that my attorneys' office was closed for the day and my attorney had gone out of town for the Christmas holiday, not to return until possibly the Tuesday. After Christmas. Carolyn said, "That is not a problem; just make sure he faxes these signed documents back to us by that Tuesday after Christmas.

I arrived to my attorney's office at 9:00 am. on Monday after Christmas; and was surprised to greet him as he was unlocking his front door to his office. I explained that we had reviewed the corrected documents, and that now; with exception to the principle balance still being slightly over 1000 more than it should be according to my records, and the interest payment calculation which Saxon was moving to the back of our loan was not calculated correctly, but that everything else had been corrected and while I wanted to fight Saxon on the interest and the principle, we had run out of time.

I told him we had signed them anyway and that he was to go ahead and sign them and fax them back today. My attorney claims that he did sign and fax them back. On Wednesday, Phil and I received our copy of this signed document in our US Mail delivery, which had been sent from our Attorneys office and were stamped as client copies across the top of them. I called my attorneys office just to verify that the signed documents had been faxed and that the originals had been mailed back to Saxon.I was reassured by Lisa (his paralegal) that she herself had faxed and mailed the originals to Saxon.

Our Bankruptcy was discharged on January 19, 2010. I had already made the January and February payments to Saxon and then I tried on February 19th to sign into SaxonMortgageServicesonline.com Web site. I was able to sign in, however I get a message that says account in Bankruptcy, access denied, so I called Saxon's bankruptcy department and I spoke with Donna who told me, "We did not get your reaffirmation documents back in enough time to file your reaffirmation agreement with the courts and your debt had been discharged; so therefore we will not send you statements, nor will we allow you access to your account on-line. You can call me if you want information.

Since this time I have had no less than 4 more conversations with Saxon Mortgage Services. Each time I am told something different. One time I was told that they received the reaffirmation documents and another time I am told that they had not ever received a fax or anything in the mail. We have continued making our monthly payments to Saxon and we are not past due.

In December 2007; after having all of the frequent and multiple problems with Saxon Mortgage Services, my husband and I applied to another mortgage lender who approved a refinance of our first mortgage and at a much lower fixed rage than it was at that time with Saxon. There was no way at my then age of 55, and being disabled, that I could continue having to monitor Saxon Mortgage Services Inc making certain that we are not ripped off by a very cunning, and underhanded operation such as Saxon.

When I requested payoff information for our mortgage this December, we were told that we would have to pay a five year 5% prepay penalty if we tried to pay them off now. Certainly I did not want us to have to pay this robbery fee, however I also knew we could not remain with this company. I told the new mortgage lender what the payoff would be, to include the pre-pay penalty. There was no room in our value to accommodate this; therefore we are stuck in the horrors of Saxon Mortgage Services.

This is one more very serious issue that needs to be reported. When we were contacted by Accredited Home lenders in February of 2007, asking us if were interested in Refinancing our Mortgage Loan we considered it for a few days and when they called us back, we agreed that we should do this, if there was room in our mortgage value to pay off debts which we had incurred because of excessive medical debts. We had indeed used credit cards to pay some of our medical debt and that was the brunt of what we needed to consolidate and get rid of this credit card **.

Dealing with Accredited from the beginning was seemingly easy. We were able to provide all of the required documents very easily as I do maintain and retain excellent records. Soon Accredited was telling us that we were Approved for our loan, however appending appraisal, and that we would need to pay the appraiser on the day he or she showed up to do the appraisal., No problem. I know many FHA approved and licensed appraisers in our immediate area and who I trusted and with whom I had had experience with when I worked at the bank; before my disability destroyed my life. I asked who Accredited was sending to our home and was told that the Mortgage Servicing Company in Texas is who made the decisions and the calls about how our property is appraised and by whom; thus they required that we had to use their appraiser . I asked where this appraiser lived or would be coming from ,and I was told this person was coming from Texas.

This guy was like no appraiser I had ever come to know and his appraising performance was lacking in a number of areas. I believe he spent about 5 minutes in our home, which was enough time for him to collect a check from u, peak around the corner at our kitchen and look at our living room and dining room.

He never went upstairs, never asked about our heating system, never looked In the crawl space, never checked out our lexical supply box to know if we had ever upgraded anything in our home which was built in 1923, He dd ask when we had purchased our home; which we answered was in July 2004; and we told him we had purchased our home for $89,900. Now he never asked but we had installed upgraded and new plumbing , and we had the old electric lines known as knob and tube removed, upgraded and had installed 200 amp service, we had also upgraded/updated the kitchen and bathroom., however our home is located directly next door to 3 2aparmtment duplexes and right across the street from our home is the towns water treatment facility and right next door to our home is a run down, falling down home worth maybe 22, 000 on a sunny day.

Our small town has no shopping, nothing but some old farm land on which homes were built in to 20/30 and 40's. Very few built in the 40's. It is true we put in new windows and doors, but hat was absolutely necessary because when we bought our home the guy who sold it us lied and we did not do a good job of checking out things like windows. We saw glass gleaming in the place where windows go, so we though there wee indeed windows, turns out there was nothing but panes of glass. In the places where windows go. This fooled the old appraiser.

In 2007 after a months and months of no jobs, we finally had to make the BK decision. Saxon was on this list of creditors. The BK was discharged 4 months later. It is now 2010. After getting out-sourced again, my husband has recently filed an application for federal employment with a background check. For a month we have been getting notifications from Trans-Union, Equifax, and Experian; then this agency has requested, with our permission, thing on our file. Okay, we knew this.

The agency then sent us results of the background check. Yes, the BK was there and then there was this forcible entry C #. We had no idea what that was. At the bottom of the report was the agency keeping this information, Choice Point. Who the heck is Choice Point? Well, the keepers of all adverse things, businesses and the government have reported about you. Every auto accident, all adverse health claims and legal records.

We called the local court to see what it was, got the number of the business who filed, called the business involved, and to our surprise Saxon file a foreclosure and force entry judgment one month after our BK was discharged. They couldn't. Unfortunately, they could not remove this unless we provided proof Saxon was a listed creditor on the BK. Or we could call SAXON and they could remove it. We have 15 days in which to get this done. Saxon won't do anything because the file is no longer active in the BK department.

They told us to call the company that filed. My husband may lose this job opportunity over something we knew nothing about. Heads up, Trans-Union, Equifax and Experian are not the only reporting agencies you need to worry about. Check out Choice Point. One thing, they say you are allowed on free report a year that only pertains to insurance; otherwise, you will pay $29.95.

Since I last filed a complaint against Saxon Mortgage, things are even more complicated and confused. After I had my credit counselor receive notice that I was denied for Saxon's In House Modification, she had to drop me as a client because she had exhausted all options for me in efforts to fix my mortgage. She as of March 1st had to tell me there was nothing more she could help me with. I then have been trying on my own to get answers, only to receive now 2 different stories. When I spoke with a Chris on 2/24/10, I was calling because I had not received any mortgage statements and was requesting them from Jan and Feb and Mar payment was approaching and did not have that statement. He said he would get them to me and as of 3/22/10, I have not received them.

So I called again 3/15/10 and spoke with Diana who also said she would put in a work order to get those to me as soon as possible. I have yet to receive them and my payment is due again and again without a statement. In these lengthy conversations with both, they both told me it was delayed due to me being denied for the modification program and it takes time to get statements. I said that was totally unacceptable because that delayed me from being able to make my proper payments. So again I went online to pay and again I'm locked out. I cannot only not make a payment with my statements, but not I cannot even access my account online. So I went back to my credit counselor today, 3/22/10. She agreed to make a phone call for me.

As she had me there with her and on speaker phone, the representative John told her I was still in their In House Modification and that I refused to cooperate to get them bank statements and pay stubs! This is the same exact thing they said time and time again when I did the HAMP program. My representative said that not only had. She been told but that I had been told 3 different times that I was denied for the modification! In no way was I informed that they needed more information. When she was notified in Feb. that I was denied, she requested a reason why and they could not accurately tell her why. She also today asked why I was denied for HAMP and they didn't have any reason in their system as to why. They just denied me.

Back in Jan, they said I was denied due to debt to income ratio and now they have no reason. They said I complied to the fullest, they just denied me because. So then my representative asked 7 different times to speak with a supervisor because this was such a mess that she felt unsafe continuing any conversation that he did not understand. John refused to give my representative to a supervisor. At the end of our 1 hour phone call, she got out of them, I'm 1 pay stub behind and 2 bank statements behind. They also informed her that they would not be lowering my adjustable interest rate in Apr even though the prime rate is lower than my 6.75%.

She asked why that is and John said "because that's just how it is". What kind of answers are these? Everything was answered by John with "that's just how it is". So at this point, I don't know what is going on with my mortgage. I told John that I had previously spoke with Chris and Diana who both told me I did not qualify for the In House Modification due to not enough debt and now John is telling my representative and myself I'm still in the program. These are all the lies that continue with Saxon Mortgage that is preventing me from moving forward.

I just want a fixed rate that I'm desperately trying to do. They are only considering my income that can pay my mortgage. The whole point in doing either program was because of hardship. That means in Saxon's terms anyone who has had bad things affect their lives that prevent their income to cover things in life and put my home in jeopardy. I have provided everything for them. I've provided doctor bills, loss of wages, loss of roommate, increase in mortgage, increase in health insurance, increase in every bill. The only thing Saxon is looking at is the 31% of income that is suppose to cover my mortgage. Again, the whole point for my application was for the loss of everything else to me and the increases in other bills. And again, like before, I had to take a half day off work again to have this confusing conversation and provide documents they say I never sent when I had done everything in Jan and Feb.

I don't know what more to do for them and when my representative printed all the paperwork they requested, she asked John and another rep Jennifer what fax # to send it to, she received 2 different #'s. Why is that? So, I feel they are intentionally making it so I get denied for real. My representative also requested that they allow me online to view my statements and while she stayed on the phone with them they allowed her to get online where she discovered they would not release 2010 mortgage statements. She informed them of this and again John apologized and said "that's just how it is"! So then he informed my representative that he was not customer service! After talking to him for a majority of an hour he tells her this!

And then transferred her to Jennifer in Customer Service to request statements that she also could not provide for me via mail or online! When asked how they would feel if they received these answers and not getting any further they both responded by saying "You can make your payment on the phone with a $4.95 fee." And I'm still not due to get a statement until April 17th even though earlier in the conversation, John said they were mailed out and I should have received them.

I had to miss work again today. I missed out on wages due to the lack of efforts of Saxon Mortgage. They say they are there to help but they are only making, so I lose my job all together by jumping through more hoops to accommodate them on last minute notifications. I feel like I'm missing too much work, wasting gas to drive all over the place all while on a limited and budgeted income.

For the past 2 years, we have been getting calls for a Richard D. ** Jr. Several times, we thought we had stopped these calls but in the past week, they have started again. No phone number is given (computer calls). We have had this phone number for 9 years. Please advise me what I can do to stop these calls. Thanks.

In June of 2009, I applied for the HAMP through Saxon Mortgage. It was supposed to be a 3-month trial program and after that, a fixed rate on my mortgage. Instead of a 3-month trial, I did 6 months. During the 6 months, Saxon continuously said they never received paperwork, pay stubs, bank statements, signed documents, etc. Every week almost, I had to take a day off work to run around, losing more money from work to continue to get them the proper documentation. Saxon would let me know and give me 24-hour notice. I feel that they did that intentionally so it would be impossible for me to get them the information requested. After 6 months of this, they denied me. I never received a letter telling me this. I was working with a credit counselor that was helping me and as of this date, she has never received a letter telling her.

When I called about if I was approved or denied in December, they told me I was denied due to I had too much debt to income and that I did not send them enough proof that I needed the modification. I was also informed that I had been denied 3 weeks prior and now owed $1600 in behind payments since I was in fact denied! I had 3 days to come up with the money or they would start foreclosure. So I came up with the money after borrowing from friends and family. Then at Saxon's suggestion, they told me to pay some bills off and reapply for the In-House Modification. I paid a few bills off at the % they told me. I was just informed again that I'm denied. This time because I don't have enough debt! They told me to do this and I followed their advise again and again, denied. Now, more in debt from borrowing money to pay off what they told me to do. Then in February, I realized on the 24th I had not received a statement to make my payment for March.

When I called Saxon, they claimed I had put in for an address change and that's why I didn't receive a statement. I never put in for an address change and they could not tell me the "new" address. Saxon lets me make a payment over the phone and said they would sent out my statement for my records. I never received it. Now, it's the 16th of March and have not received a statement for April. I called again and this time, they say I'm not due to receive a statement until April 17th. Their reasoning is that I was just denied for modification and I cannot make a payment until April 17th! I told them I felt they were intentionally trying to make me fail at making my mortgage payments so they could do foreclosure on me.

I was also locked out of their website to make a payment that way. I had to have them unlock me and reset a password! They claimed they are setting up a work order for me to receive my mortgage statements from Jan-April. It's wrong that they have denied me because I had too much debt and not inform me and along the way, making it impossible to know what they wanted as far as documents went and then tell me to reapply and tell me I didn't have enough debt and then withhold my mortgage statements in hopes that I would fail at making on time payments.

My husband and I have been with Saxon Mortgage for about three years now. Let me first start off by saying we love our home, and we have worked through layoffs and still never missed a payment. We have finagled but never 30 days late. We have two loans through Saxon. We purchased our home in 2006 and 6 months later, the bottom fell out. It was at this time we found out from Saxon that our primary loan in fact was an adjustable rate, but we need not worry because they would just refinance us in 2 years, because we were fixed at this time. (This was a lie).

When we went back to them, I was informed by a mortgage rep that I needed to get on the ball and figure something out, because Saxon was on a refinancing freeze. During this time, President Bush came up with the Presidential Armament which would freeze your current interest rate for 5 years. We did that. We have about a year left. Time has passed and we have been assessing our options. As first time home buyers, we were naive to the lender's agreements.

We realized we signed papers, we were also told this was the only way to make our investment, they informed us that two years from signing those papers, we would be able to refinance and into one payment and a lower interest rate. Saxon says there is no way. Lender and real-estate agent no longer exist. We now belong to Saxon Mortgage with two loans which total $3,300 a month. Now the fun part begins.

Obama takes office and the hype is built that the HAMP loan modification will help millions. I call Saxon to merely get information regarding this. I get the best scenario of the HAMP loan, but all reps were not clearly educated on this loan. I spent hours upon hours on the phone. My integrity and character all have been attacked by reps with Saxon Mortgage. I have been told everything from, "It is not our (meaning Saxon) fault you got into this loan", "I don't understand why you would be so stupid to buy a home in California anyways. It's a waste of time". And the list goes on.

I spent hours on the phone asking this company what our options were because we were not in default. We were advised by this company to default our mortgage for 3 months. Clearly not a viable option because we are very conscious about our credit rating. So we kept digging. May 5th, 2009 comes around and I called Saxon again to see what we can do. This is when HAMP becomes the new modification. I was told everything I wanted to hear. I then kept digging. I wanted to get more information so I understood it inside and out. I spoke to an attorney who specializes in these types of things. She told me it was a very bad idea, because all the kinks have not been worked out yet. So I decided the HAMP loan was not for us.

Speaking with Saxon I let them know this was not something we were comfortable with because we didn't have all the information. I then asked for some literature on this modification. I was told in order to receive this literature I needed to do a financial assessment over the phone, and they would send me information.

I did what they asked and did an over the phone financial assessment. A week later, I received in the mail a modification package, not literature. I did not fill this out, as I was familiar- considering this is what we did for the presidential armament. At any rate I dug some more, and found the HAMP MOD was not what it was cracked up to be, and the Saxon Mortgage reps were giving me false hope, because they were not educated. The HAMP MOD, had too many loop holes in it, and I couldn't make sense of it.

Okay more fun. August comes around and I call to make my payments- the Saxon reps let me know that my payments for June and July have not been made. I, of course, checked my bank and sure enough both months have cleared my account. I then tell the rep there has been a mistake on their end, because the money was already in their hands. The rep then attacks my character again and says that I need to fax to them records from my bank because she didn't believe I made the payments and they get this sort of thing all the time. Long story short, it took me 4 hours, and 5 reps, and 2 supervisors later to realize they had put my payments in an escrow account, because someone placed us on the HAMP loan modification.

Of course, I was livid, because I wanted to know how something like that can be done without my consent, and further more no notarized document, or a signature from us saying we agreed to the HAMP terms. I had to speak to several different reps, and since you can't get past a supervisor, I faxed in complaint letters after complaint letters like they request you should do, surprisingly, no response from Saxon.

In order to fix this, I had to call almost every day and spend nearly 3 hours on the phone. We are now in the month of March 2010, and if you think the problems have stopped, they have only gotten worse. We have still never missed a payment, but like everyone else we are trying to figure out how I can stop working 80 hours a week and spend time with my family.

In November, I made my payment. When I called in December to make my December payment, they informed me I still owed for November. I doubled checked my bank account and sure enough, money was yet again in their hands. Apparently, the rep who took my payment over the phone and placed both payments in my secondary loan. In order to fix this issue, they had to open up a "work order", to fix this. They would also have to open a separate work order to rescind the 30 day late on my credit. January rolls around and they made the same mistake again with my December payment. My character attacked again, because now I am treated as though I am not making my payments. I then spend days and hours on the phone to try and fix this problem, because now this is 3 months on delinquents on my credit. They apologize for the mistake and tell me that the credit rescinding will be taken care of by Feb 1st.

Feb 1st rolls around and they still have Nov and Dec's payments hanging over the account and have not applied to the primary loan. As you can see, I am livid, and I can't have a decent conversation. I have lost my temper on more than one occasion with these people, because I can only take the stress so much. If this isn't the icing on the cake, my husband calls me at work to ask me if I have been making the mortgage payments. I said yes, why? He said because two representatives of Saxon Mortgage just came to the door taking pictures of the house and asked me if we were still living in the home. They first approached my 11 year old son who was in the front yard playing with his friends.

This issue still has not been resolved with Saxon. My payments have now been applied, but the 90 days late on my credit hasn't been fixed. My husband and I are so stressed. We know we can't stay here much longer. We have dipped into our retirement, and seriously wearing myself out, for this type of treatment.

These folks don't care. They have made countless mistakes with my loan, which now have endangered my credit. I am 32 in one month and I have high blood pressure and more stress than I think is fair. These are their mistakes and I am paying for them. I have requested the notes from them in regards to my account and they will not release them to me, because they can't. I have asked to speak to their boss and they say they don't have one. I have tried. I have yelled and screamed at them, gets me nowhere.

Two days ago, I checked my voicemail, and I have over 33 messages from a debit collector. They call as early as 7:20am and as late as 10:30pm. We have since taken our phone off the hook and have considered changing our phone number, so this harassment stops. We are still by their account considered to be on the HAMP loan after months of arguing, I am not sure how much I have left. This is utter harassment and they say they can't stop calling me because it is automated.

I have been hung up on, my integrity attacked, lied to and utterly ** around. I am tired and we don't know what to do. Please can someone help us? When I have threatened an attorney, they say no need, we will fix. I was told by Josh who is a Saxon supervisor he would personally take care of this, even offered me his cell #. I took only his office line; he said this would be taken care of by March 1st.

It is now March 15th and no such luck. What can I do? Who watches over them to make sure they are doing their job accurately? It seems as though they have the right to treat anyone how they want without consequence. I have folks coming to my door and approaching my children, because of their mistake, and the only apology I have gotten was when I have called and raised a stink. Help!

Unlike everyone else on this board, I had a good experience getting a loan modification through Saxon Mortgage. In September 2009, I called Saxon to see if I qualified for the mortgage modification plan and was told that I did and they immediately reduced my payments from $1770.00 a month to $1112.00 per month for 3 months.

I was told that my paperwork would arrive overnight and it was at my door the next day delivered by UPS. I had until the 31st of October to send back my paperwork and on December 9, 2009, my mortgage was modified and all signed and notarized paperwork was back in my possession by January 2010. I now have a 3% loan which is much more affordable than my adjustable rate, and this is month 3 of my modified loan. I was really scared to call Saxon since all that I have seen online are nightmares, but I did not have a problem at all. I guess that I was just one of the fortunate ones and I thank God everyday for my mortgage modification. It is so nice to open up my statement each month and see that there are no late payments or late fees and everything is up-to-date.

In response to Cathy, Leesburg, FL: I am having a similar problem with Saxon not applying payments correctly. I was able (after two months) to locate a person there who is available and is very proactive in straightening out issues with Saxon and their call center. I think the problem for me is close to being resolved.

I started trying to get my loan modified with Saxon as my three years were up on my fixed rate and was to start an adjustable rate. I was having problems making the payment I already had as my income had dropped at work and had gotten behind on several bills at the same time. My home lost value approximately by $50,000.00 and I could not refinance with anyone else either to get a lower payment and lower interest rate. I submitted paperwork at least 3 times and made at least 3 calls a week talking to someone different every time. You can never get the same person twice when you call Saxon so you have to start over every time with what the problem is.

Finally I was approved over the phone for a trial modification for 3 months, which started in July 09 for the first lowered payment of $869.00. My original payment had been $1,035.00, so this was a little more manageable although still difficult. I made my three payments within the adequate time frame, so I wasn't late. Saxon then sent me a letter to say the trial had been extended two more months and to continue making payments or I would be thrown out of the program. I did make these payments in the correct time frame and then I didn't hear anything from Saxon about what to do next, so I called their office and was told to go ahead and continue making the trial payment as they were behind on paperwork. I made this payment on November 27, 2009 for the December payment due on the 1st.

As far as I was concerned at this time, I was doing everything that Saxon had told me to do in order to qualify for a loan modification. Saxon had called to leave me a message and asked me to call them back. It was important, so I returned the call to find out my loan mod was approved and I should have my papers. When I got home from work, I checked my other doorway and found a FedEx envelope with papers from Saxon to modify loan. This was on December 4th and I had been checking for papers every day looking for any paperwork to arrive from Saxon.

They had modified the loan to include escrow for taxes and homeowner's insurance as that had to be included to qualify for loan mod. But over the phone, on my verbal interview, I was told my payment would be roughly around $400.00 plus whatever escrow amount had to be added to make payment somewhere around $8-$850.00 payment.

The new payment is $1,138.64 with escrow included. The payment I made on November 27th of $869.00 seems to have disappeared for my December payment. My mod says all third party charges such as taxes and homeowners were to be added to the back of the loan. I called Saxon and a rep sent me a history that I don't think anyone could possibly understand even if you worked at Saxon. It does show the payment date but I can't understand what they did with it. They still claim I owed a full payment of the 1138.64 for December 1, yet when one of their reps called me on December 29th asking their paperwork signed and sent in by December 31. He told me I would only owe the difference between the payment I made and what the new payment was, which should have been $269.64.

I don't know what else to do with them. I have been severely stressed with this company but keep trying to deal as I didn't want to lose my home, but now I am at the point I think maybe I should just give it up. I am not going to win this situation. I am kept broke and barely making ends meet as I am a single self-supporting woman. I work hard for a living and work every day and had been doing ok until the last year when income dropped at work and I also had medical problems to deal with.

My doctor has medicated me for stress but I cannot take much medication as I do have to get up and go to work early every day. If there really is any help out there, I would sure like to hear it. I have read some of the complaints about Saxon and it looks like they have done the same thing to many people and it's not right when people are honestly trying to make their program work. Seems like that company is raking in all the benefits of this program and the homeowner is getting the shaft.

On my modification, I didn't get any debt taken off; rather a lot more added on and a higher payment than I had before so seems like set up to fail from the start. I did get a lower interest rate which I couldn't get anywhere else as my credit rating started going down, although when I started all this it wasn't too bad but my house value had dropped so much that I had no equity to work with at all. Please advise if there is real help somewhere. My credit is in the toilet now as I was not able to pay bills properly because of trying to save my home first. My health has been reduced by all the stress. I have had to be on anti-anxiety meds to maintain along with more back pain. I am still stressed because I think I am going to lose my home even after all the money and time I have put in to fix the situation.

I am writing to you in regards to my lender Saxon Mortgage. I have been a loyal paying homeowner for yours with Saxon Mortgage. I fell into a hardship since 2008 due to a reduction in my income and I no longer work overtime. Additional factors affecting my ability to make my mortgage payment are after my husband passed away. My son has taken over the dock business and it has taken time to recover and rebuild. I requested a loan modification from Saxon back on 08/2009 and was in review for a loan modification. Please read notes:

On 8/5/2009 3:23:21PM, I called the lender and spoke with Sandra. We went over the financials verbally and we were able to get approved for the HAMP program, going to be placed on a forbearance agreement for 3 months starting September 1st, October 1st and November 1st. The payments are going to be in the amount of $1010.19 and that includes taxes and insurance. The interest rate is at a 3.375%. She stated that the agreement will be going out this week. Sandra also stated that the sale date has been stopped.

I was on the forbearance plan making the payments and then on 2/2/2010 11:31:35AM, I called Saxon and spoke to Larissa ** from Modification Department. The lender did receive the missing documents on January 26, 2010. Lender is still waiting on the trial modification agreement on this document it has the terms. Payments are $1,010.19 for January 1 through March 1 and that the sale date was on hold. I never received this new agreement. Then on 3/5/2010 12:48:32PM, I received a call from Frank at Saxon and he stated that there is nothing they can do since the client did not make all of her trial plan payments, there were 6 payments and she only made 3 payments. The sale date is scheduled for 2:30PM today 03/05/2010.

Yet I never received the new trial plan agreement for Jan-Mar and even though I made prior forbearance payments, they went ahead with the sale date of 03/05/2010. I did all that I could in following the instructions of the lender and they decided to put my house up for auction as of 03/05/2010 at 2:30PM. All that time in review since August 2009 sending the same documents over and over again and still they moved forward with the sale date. I am hoping you will be able to help me reverse the sale date. I am in dire need of your assistance.

Our loan was recently sold to this company (Saxon) on February 10. We were already behind in our mortgage when sold. We had previously started a loan mod with previous company. I lost employment in October 2009 and my husband was injured on the job in the same month. The previous company had no issue giving us a loan mod but this did not transfer to Saxon, so we started the process of sending in document needed by express mail. I then gave them 2 to 3 days to go over our paperwork.

I was told they did not receive all of the paperwork and only some of them. I in turn told them I sent everything requested; they advised me to give them a day or two and call back. So I called the rep handling our case (Reginald W.) numerous times and left messages and was told after calling the general number and speaking to the CSR that he no longer works with the company. I was then given 2 different numbers for different people handling our case who I then again tried calling and never received a response.

Finally, I received a call back today, March 9, 2010, and was told our home is in active foreclosure and will be sold April 7, 2010 because we have no actual income. We were told to get a job and have my husband return to work and show proof of income. Maybe something could be done for us—easier said than done. I guess these people don't watch the news. My husband receives workman comp and I receive unemployment, which was fine for the other company. I just don't understand—what else can we do?

I applied for a Loan modification, due to a change of employment with a lot less salary. I have sent a set of documents at least ten times, and every time I call for results, they ask me to send a new set of documents again and again. In the last 6 months, I have tried to talk to Mrs **, and I only got her voice answer machine saying that she is going to be out of the office for the next five weeks. I left a message every time I call, and she never return my calls.

My troubles with Saxon Mortgage has been ongoing for more than a year and a half. They promised to do a loan modification for me, but just lied about it, and never done anything but charge me big bucks for additional attorney fees. However, at any rate, in November 2009 they notified me that they were selling my loan to Ocwen, and I would need to mail my December 1, 2009 payment to Saxon, and they needed it before December 1st, and then starting January 2010, I would be paying Ocwen. I followed their instructions exactly, and mailed them the December 1, 2009 on November 24, 2009, and they cashed my check and it cleared my bank on 11/27/2009 (5 days before the deadline).

Ocwen immediately started calling for the December payment. I told them I had already made it to Saxon, just as they told me to do. I have copies of every check, copies of where they cleared the bank, but as of yet I have not gotten any results from either of Saxon or Ocwen. If Saxon keeps a payment from everybody that paid in December, they have quite a bit of change. This is criminal. They will never account for the money that they received on the last payment, because most people cannot follow-up with all the paper work they require. I also requested a copy of my documents under RESPA, but they never responded. I have made this request at least 3 times.

For the past year and a half, I have not known from one day to the next what they are going to do. They sent my papers to the local newspaper to run the foreclosure in the paper, all the while that they were suppose to be working on a loan modification. They charged me exorbitant fees, plus the embarrassment of a foreclosure notice. The damages will never stop, until something is done about these subprime lenders.

I caught myself being proactive and looking at our financial situation and evaluating my costs monthly due to medications and medical conditions. I had my daughter start a process of a loan modification and it has been the worst thing in the world. Not only did it turn into an 8 month process but it seems that they want to force me into a loan modification that I do not agree with and nor have I signed any final paperwork and when I did receive the paper work it was received late and they wanted the paper back by FedEx at a particular date.

I since have been trying to cancel my loan modification and want o go back to its original state and they are not allowing me to. I keep getting these statements with late fees and mind you, I have never been late on a payment and have never missed a payment. What do I do now? I will probably be consulting an attorney because this is iediculous. We are seniors in our 70s and are very stressed out and ill over this; the amount of stress is going to kill us both.

I contacted Saxon at the beginning of 2009 re: loan modification. I was not behind at the time but have an adjustable rate which once it would begin to adjust would make my payments unmanageable. I was told at the time they couldn't help me because I wasn't behind. I tried again and several months later after learning about the government modification program. I told the rep I still was not behind in my mortgage but wanted to see if I qualified. I was told she would run me through all their programs. I was accepted into one of their program in June with my modification payments being reduced over $700 to be paid in July, Aug and Sept. Each payment made half month ahead of schedule and was able to make those payments from one paycheck instead of having to split between two. All payments were made on time. A letter sent from Saxon saying that trial period payments would be extended for two month (until November) to give them a chance to catch up on paperwork. Modification servicer was Lisa B.

Each time I called (at least once a week), I was told (when I was actually able to speak with her) that modification was still in underwriting. I sent December's modification payment in mid-November. I should have been receiving final papers soon but hadn't. I called Ms. B. again to get a message that she had been transferred to another department and Derek B. was now my servicer. I left numerous messages and as of today, I have never spoken with Mr. B. I was eventually told that they were offering me a "counter offer." I wasn't sure what that was, why it was being offered etc. I said that my verbal information was 25% lower than what my paperwork showed. Well, that makes sense because the income documentation was for 2007 and 2008 where I did make more money. But it wasn't based on what I was currently making which has significantly decreased because of decisions made by the employer-- no OT, no bonuses, etc!

So I asked if I could submit documentation to counter the counteroffer. I was told yes. I was given a fax number, the whole nine yards. What a waste of time. I was even told by another rep not to make the trial original trial period payment because I would be getting my final modification papers soon. That was a lie, too. I received a call on New Year's Eve telling me I'm 30 days behind on my mortgage. What? New modification payment had been increased $500. It went into effect December 1 but I still had not receive my final modification papers. Once I told them that, they said they would be mailed that day. I got them on January 4.

I was also told that payments are due the 1st of each month and I could be thrown out of the program if they weren't. After realizing I had submitted a modification payment for December, I realized all I had to do was make a catch up payment for that month. That still left me trying to figure out what to do for January. I had to take a hardship loan from my 401K to catch up January. Finally, I sent by final modification paper on January 28 thinking everything would be update. Now, they are telling me that I'm behind and owed late fees. You know why? Because the catch up payment I made for the December payment is sitting in a suspense account and apparently wasn't applied properly. So I have had to provide documentation that I have made all my payments. Supposedly, I'll get a response by February 23. Keep copious notes as to who you talk to and keep all your documentation or you're going to get screwed!

I have applied for a home affordable loan modification since August 2009. Saxxon closed my file at the end of October without any notice by mail or email. I started working with CFPG third party non-profit to help me with the paper work, re-submit documents such as 2008-2007 income tax returns, employment check stubs, their application and other personal documents that they requested over and over. It was found out by my CFPG helper Sylvia ** that Saxxon acknowledged receipt of all documents and updated the system, but my case has not moved forward to anybody for review. It was just plainly sitting on their system accordingly to representatives from Saxxon Doulgas, Joseth, Alejandra and Mrs W.

Please help me and other Hard working Americans that are struggling at this time the same way with lenders like Saxxon, I'm an armed forces active duty soldier that will be deployed soon and I would like to keep my family in our home without worrying that Saxxon will foreclose our home and will leave my family homeless while I'm out serving my country that I love and serve. While deployed overseas knowing that my family may not have a place to live, creates a lot of stress and worry that I couldn't be there to take care them.

I applied for a loan modification from Saxon in May 2009. After almost four months of lost documents, re-sending documents and numerous phone calls, I finally got a letter telling me that my mortgage amount was too high to qualify for the government program and that I needed to re-submit everything to be considered for an in-house modification, which I did. Again, I had to re-submit lost documents etc.

After October 2009, I finally received a call and soon after documents arrived, I had the documents notarized and returned along with a check that I managed to scrape up to the tune of $13,982.10. I never heard from Saxon again, then the end of November, I started getting late notices from a company in Florida called Ocwen Mortgage Services (you think Saxon is hard to deal with - this is a whole different level of pain). I called Saxon and they said that they did not service my mortgage any longer and to call Ocwen, who was now sending me statements that did not sync up with Saxon or my modification agreement.

I called December through January and was told time and again to call back or if lucky, that day was put through to voicemail with no return calls. Finally last week, I got through to someone back at Saxon who out that Saxon never finalized the modification and better still Saxon gave my money to Ocwen who applied it to my balance! Ocwen now says that I have to start all over by applying for the government plan which I do not qualify for!

This is my second complaint to Saxon. The date on when my interest rate was going to be fixed has been moved from 2/12/10 to 2/23/10, concerning the Soldiers and Sailors Act for military personnel serving on active duty order. I have been stationed in Kuwait now for eight months and I am still waiting for my interest rate to be reduced as required by law. They will not answer your emails, you're always being put on hold when you get someone on the phone, and I am way over here where sometimes, the phone doesn't work right. You lost the signal and you only have 10 or maybe 20 minutes to use the phone. At this time, I'm going to wait until after the 23rd of this month before I will have to take legal action. Thank you.

In Feb, 09, I called for a loan package to try for their loan modification program. I submitted all necessary data and never heard from them until I called in April 09. They made various excuses and asked me to re-submit. I did so and the same thing happened again. I called and they wanted me to submit for the 3rd time. I refused and told them I would hold up 1 payment until they reviewed my loan package. They refused to do so until I re-submit,so now, they are sending certified letters of preforeclosure notices. They will not answer any of my letters but just send threatening notices. They are impossible to deal with by letter or by phone.

I'm in the military deployed to Kuwait at this time since June of last year. Before I left I was given show orders to file for the Soldiers & Sailor Act to reduce my interest rate to 6%. I have a fixed rate of 6-1/2 .

I was checking my account this past Sunday and found that my account showed it was past due; checked my bank to see if my wife had be making all the payments--she was. So I called Saxon to find out what was going on with my payments and I was told that my funds were being hailed because the orders that I sent were not signed or stamped by my command so for the past eight months that I've been out of the country serving in the US Navy, my funds have been hailed and my account showed past due.

When I talked to a Saxon manager this past Sunday, 01/31/10, she said that by 02/12//10 my account would be settled. But my complaint is that by now my credit has been damaged and is it not a federal crime not to uphold Soldiers Sailors Act for person serving the armed forces? I am going to wait to see if my account gets cleared up by the date above or I'm going to have to take legal action. Thank you.

I, too am having problems with Saxon mortgage and there is a desperate cry for help. In my situation, Saxon Mortgage sold my account to another debt collector and they are now telling me that Saxon did not forward any pre-agreements I had with them. In short of it, I am now considered behind on my mortgage after being set up on a forbearance agreement by giving Saxon $4,615.00 up front to get caught up with my past due mortgage. I am also now paying $1,216.00 each month for 9 months to include attorneys fee plus mortgage until March 2010.

I have not been late with any of my payments since the agreement. I have called and someone was supposed to call me back and they didn't. Please help us stop them because there will be a lot of lost homes and people will become homeless. There has to be an organization that can help us. I am willing to organize something if I get enough response. I am not going to lose my house without a good fight. Consequence is I may lose my house and my credit has been damaged. I am supposed to be off of the foreclosure status by March and I don't see that happening.

I sent a letter to Saxon Mortgage because they will not return my calls, and as of today, they have not responded to my letter. I wrote the letter because I cannot get anywhere on the phone with anyone from their company and to inform them that on Monday, January 11th, 2010, I received a call from James from their office. He asked if he could go over the terms of my modification with me. I agreed. I also mentioned to him that I did not receive my modification paperwork as of yet and James told me that is ok and he would go over my terms anyway. The following is what James told me the terms would be:

On the first 5 years of my loan, there would be a 2% interest at $627.26, Principal and Interest, and $370.22 for escrows and insurance. On the 6th year of my loan, there would be 3% interest at $728.23 Principal and Interest. On the 7th year of my loan, there would be 4% interest at $835.84 Principal and Interest. On the 8th year of my loan, there would be 5% interest at $947.72 Principal and Interest. On the 9th year of my loan, there would be 5.625% interest at $1,019.43 Principal and Interest. Up to 30 years, there's no change in interest. Also, an approximate Principal and Interest balance of $244,000.00. I told him that I was satisfied with those terms and told him I would call him back when I received my packet of the loan modification paperwork.

On Tuesday, January 12th, I received the paperwork via UPS and opened it up and found the following terms: First 5 years of my loan at 2% interest at $1336.86 Principal and Interest, and $481.62 for escrows and insurance. On the 6th year of my loan, a 3% interest at $1473.70 Principal and Interest. On the 7th year of my loan, 4% interest at $1612.30 Principal and Interest. On the 8th year of my loan, 5% interest at $1751.76 Principal and Interest. On the 9th year, 26 years of my loan at 5.375% interest at $1803.39, with Principal and Interest balance of $328,202.52.

I couldn't believe my eyes. All the figures that I was quoted were just about doubled! I tried to call back James and finally got a hold of him and he stated that his supervisor had my paperwork and I was to call him back after 1 PM that afternoon. Well, I tried and tried and I could not get a hold of no one. If I did speak to any representative, they were not very nice and basically told me to accept the terms on the paper or try another means to save my home. This is not the answer I was looking for. I tried again on Wednesday and tried James' extension which was 256289 and no one ever picked up. I also tried Tamika ** at extension 256137, and again no one picked up. I tried again on Thursday and the person I spoke to said they would get a supervisor to get Tamika to call me on Thursday before 3 pm. I am doing everything that was asked of me. I made my trial payments of $1522.09. Although it was a struggle, I did it. Now I am asking for some help and I cannot get it. It is impossible to get through to someone, and I am given a hard time when I asked to be transferred to someone.

If you look at the numbers that are on my paperwork, they just don't add up correctly and they are impossible to attain with our income and expenses. With the numbers James gave us, that was more reasonable and I know we can make those payments and not be late and maybe put some money aside for health insurance for myself since I do not have health insurance.

It is now Friday at 11 am and, still, no return phone call from them. I again tried both James' and Tamika's extensions and all I get is the phone ringing, ringing, and ringing, and no transfer to a voice mail. I will be sending $997.48 for my February 1st payment as per the terms given to me by James. I expect that my paperwork be revised to reflect the numbers given me by James on January 11th. I expect an immediate response since the paperwork states that I have until January 31st to get this paperwork back.

Long story short, my husband became very ill. We fell behind on our mortgage. I have been applying for all kinds of programs with Saxon, so we don't lose our house. Being hard working, taxpaying, middle class people is tough. We were denied for everything, over a hardship! How sad is that! So now Saxon wants us to pay our monthly mortgage with an extra $600.00 a month. My husband is just starting to get back on his feet. It will take time to catch up and they are not giving us enough time.

It is frustrating and stressful. And it is sad that we have to worry about this and put more stress on our health and time. A little time is all we need so he can make money again and we can fix this. But what do they ask for more money? I'm freaking out. It's hard enough to deal with a sick loved one. It's even harder when you're ridiculed and punished for not being able to take care of your obligations, and then you can't get any help. I work, but yet I don't make enough to do it all. It's a sad world we live in. Saxon could be a little more sympathetic and help us in a better way. Someone should be able to help us get back on our feet!

I lost approximately 75% of my wages and qualified for the Obama plan to keep my house. At first it seemed as if Saxon was going to help me refinance. The paper pushing was ridiculous. They give you 10 days or the process begins all over. Finally, I thought it was all taken care of and they obviously lost my signed and notarized forms. I called after the first statement that showed I was still at the same interest. He told me someone would call at 10 am the following morning. I waited two hours and no call.

After all the other paper pushing, I decided to do what they always told me before and faxed the up to date files again. This for one has cost me $40.00 a shot. More money I do not have and it's been previously done about 9 times in the past 3 months. I then received another statement. Now they added escrow for some insurance. I can't be a homeowner because my insurance company sent word that I was insured.

I called to find out what was going on and now they tell me I have been denied. I was told by one of their reps over the phone that I need to fax over the weekend so paperwork would be started on the following Monday and to be sure my account number was on every paper in the left hand column. I was also told to make sure it was sent to the Tenn. fax because the Texas office was negligent in getting them where they needed to be. I see why our economy will never get better when no one cares. It was not my doings that had me lose my jobs. There is no reason to contact an attorney. I do not have the resources to pay for help as do a lot of families.

Over the past year I have continued to get phone calls from this number to my work cell phone. The call starts out with "Saxon Group, a debt collector, and all information will be used . . ." Then they insist on getting my Social Security Number. After going through multiple automated phone response sequences, I eventually get to a human voice. Again, they ask for a Social Security Number.

When I refuse they ask me to fax my Social Security Number. They then confirm that there is no record of any debt and they will remove my number and name from their call list. This interaction has occurred more than six times and I still get calls about every other week from the number listed above. The consequence is just harassment and the possibility this is a scam to collect Social Security Numbers.

I am paying for a loan modification with a very reputable company and even though we have submitted all the needed paperwork, they refused to return their calls that my lawyer makes or give us information on how it is going. I got in this situation just because I had missed one payment due to sickness in the house and they refused to put it on the back end of my loan. I have called many times to get information of what the hold up is.

Last year at this time, they had also almost got my house and I had made the loan current but they tacked me with an attorney fee of $2000 and when I asked for a break down of the charges, it was never provided. They sent me a letter in August saying they wanted the two months I was behind plus these additional fees. I am trying to get the modification from them but they won't even talk to my attorney's office to make this happen. Now, I am so far behind that I will never catch up

My mortgage was with Wells Fargo then I had to file a Chapter 13 due to surmounting medical bills while I was in Iraq and lagging pay from there as well. Then my note was sold to EMC and while in the 13, they kept changing my interest rate and not notifying the trustee. Thus, making me behind on my note. Then in 2009, they put me in a loan modification program which I did my part (the paperwork, the high payments for 4 months). Then once I was up to finalize the modification, my note was again sold to now Saxon mortgage and started a loan modification and sent all my papers in as requested and started to make my payments to them. They keep sending them back saying I had to pay the full amount owed. Then I'd call and ask what's going on and it's a different story every time I call them.

They claim to have paid my taxes and insurance. I have proof that they did not, that I did and the county tax people. My insurance company didn't even know my note was sold to them by EMC mortgage so they are trying to get money from me. They are not due, but yet send me a payment slip each month for the amount of thirteen hundred in change and I sent them fourteen hundred, rounding it off. They sent it back saying I have to pay the back amount owed. When I called, they say disregard that and I'm in a loan modification program. But every time I call, it's a different story. Matthew ** has still yet to talk to me. I called and left messages a few times a week and still he hasn't called me back. I faxed and sent by mail everything they needed from me to complete the loan modification and still have not done so, but are racking up late charges on me for payments not made when I paid them before the due date. They send them back to me and reporting such on my credit, making it impossible for me to refinance with another bank. Please help me before they take my farm. I have a lot of equity in the place.

All my troubles began when my wife was put on bed rest for 6 months prior to giving birth to one of our children. We lost 50% of our income and started falling behind on our Mortgage. We had lived in the house for 8 years and had a couple different mortgage companies. Our troubles began with Saxon. After we were behind for 2 months, I called them. Explained our situation and they said we should try to get approved for a loan modification. So we asked for the paper work to be sent to the house so we could get the process started.

After 1 week with no paper work, I called back. They assured me that the paperwork was sent out and we should be receiving it shortly. Another week and no paper work. This happened for about a month. Finally I asked if they could fax it. They said yes. We should receive the fax in 2-4 days. So we waited. Nothing happened. No paperwork. Repeated the process again and again and again. Finally received the paper work. Filled it out in a timely manner and sent it back to the fax number they had given us.

Called a couple of days later to make sure they received it and not surprisingly they had no record. So we did it again and again and finally they received it, and they said we should hear from a loan mortification rep in the next week or two and we never did. So we got the name and extension to the person who was working on our case. Left her message after message and could never get a hold of her. 3-4 weeks later, she tried calling the home phone on a Friday (we where both at work). No message on the voicemail so we called her back on Monday because the office was closed by the time we got home from work and got a hold of her Monday morning and she said that our loan modification had been closed because she was not able to contact us. She tried 1 time, that is it, so anyways she said they couldn't pull our info back up because it had been sent to another location so we would have to start the process all over, which we attempted to do but had the same problems as before (not receiving the financial packet to fill out and not receiving or faxes).

Finally ,about a week before the sheriff sale, we got in contact with Saxon again. They told us the deadline to receive the paperwork for the loan modification was that day at noon. So my wife scrambled to get all the paper work together, run to the office and faxed the paperwork. She got home. Called Saxon and what do you know they have no records of the fax so my wife drove back to the office. Got the confirmation number and called them back. Left a voicemail with the confirmation number and what do you know, they call back an hour later (11:00, one hour before deadline) and they then tell us we need to come up with 5,000 dollars and that they would not reduce our monthly payment but in fact raise the monthly payment to make up for the missed payments. So don't you think if we were struggling before to make the normal payment that what they were offering would be out of the question. So needles to say, we ended up getting foreclosed on and our credit is ruined. I often think if we would have had a different mortgage company, we would still be in that house and our credit would be good. Isn't there any kind of class action law suit we could try to go after this horrible company? Sorry about the spelling and punctuation. I only had a few minutes on my lunch break to express my feelings.

Please know that that this "modification" is actually hurting people. It is going to actually be the cause of many foreclosures. Per new treasury guidelines, "Service providers can't cancel an active Home Affordable trial modification scheduled to expire before Jan. 31 for any reason other than property eligibility requirements," according to a posting today on a government Web site. They must write to borrowers to inform them about missed payments or needed documents, and give them at least 30 more days to submit them.

I received in writing from Saxon Mortgage the following message:

"Based on our preliminary review, you may not be eligible for HAMP because Net Present Value does not support modification. However, at the direction of the Treasury Department, your mortgage loan has been placed in a review period until January 31st, 2010. During this time, you should continue to make your trial period payments. If you believe the information used in our preliminary review is incorrect or you have additional information that we may not have considered, please contact us immediately."

The document also states in bold, "If you do not send any additional information that may change the eligibility decision and/or payments, you will be denied a Final Modification and you will not be eligible to receive a Home Affordable Modification in the future." When I call that number, they just say it is pending and don't tell me what documents that I need to send in. How can I send in documents without knowing what it is that they are looking for? I have been paying a reduced rate since August. I gave them W2's, pay stubs, hardship affidavit and everything else that they asked for. It seems that they just make up reasons to deny people.

This HAMP program has ruined my life. I was current on my mortgage in July, but the payment was really hard after my income was cut in half. Put on trial period for $780 a month pending income verification - 8/1 - 10/1. Then, I was told that I was going to be on it for two more months to review the documents I had already submitted, always telling me that it was in review.

After I am kicked out of the modification program on Jan. 31st, I will owe all the money that I didn't pay during the trial period. Common misconception is that you just go back to your old payment. You owe fees and you continue to be reported as delinquent until you pay the difference between your trial period payments and regular payments. So, not only do you get four months of bad credit, you get a lifetime. I went into trial period "current" and never missed one payment.

My credit is ruined. I cannot sleep and I keep worrying about what might happen if it's denied, even though all the information was accurate. I got a recent statement that I owe $4,700 if my modification is denied, which includes "other fees" like delinquent fees and other fees that are only forgiven if they grant you the modification. I can never come up with that money or repair my credit.