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Centex Home Equity rip-off! Defamation of my character and mental anguish! I am being punished for their mistakes. Dallas Texas
I am a victim of abuse and mental anguish from Centex Home Equity. We took out our loan to build a barn for our horses. Due to ground leveling and equipment, the barn cost several thousand more dollars than was expected. We had to pay the barn builder so we got behind in all our payments, including our home mortgage.
I understand these people want their money. I did sign a loan agreement to repay them. They have every right to expect payment from me.
My problem began when I tried to make payment arrangements with them. I've always been told it is better to call and try to work something out than ignore the creditor. So this is what I did.
I set up bank drafts with them. I was expecting a 401K check. I found out it was going to take a little longer to get my 401K check. I called to see if I could change the bank draft dates. The lady told me yes, but the drafts were already in the system and she could not just change the dates. She instructed me to stop payment on the drafts and she would reissue them on the dates I wanted. I did as she instructed.
Then I started receiving phone calls telling me my checks were returned and I would have to send money orders for them. I explained that the lady I spoke with instructed me to do this and she reissued drafts on other dates.
I was told by the manager that no one there would tell me to do such a thing. That was not the way they worked. I assured him it was the truth.
He finally agreed to take the block off my account so the check drafts could go thru. Then I set up a payment for the next month. He pressured me to make two drafts that month. I told him I would make the one and if I could, I would call back to make another at the end of the month. He finally agreed. I even repeated my statement before I got off the phone. I said, "Now we have the one set up for the 14th and I will call back to set up the other one.", He said, "yes".
Now at the end of May,without my call or approval, he ran the second check thru that I had not authorized. He used my next check number. It was returned NSF. When I called and told them I had not authorized that payment and I wanted my $25.00 return check fee reimbursed, they agreed. I have yet to see it.
At that time, I also told them I would like to make arrangements for two payments for June. They scheduled one for the 18th and 30th. Then a few days later they call and tell me I have an NSF check that has to be paid for. I explained again that it was not my fault. They ran that check thru at the end of May without my consent. I finally spoke with the manager again and he got very rude with me. I told him it was not fair that they had put a block on my account where I can no longer send them checks when it was their mistakes.
He told me he set up the May payments himself and the 30th one was NSF. He said I can pull the taped conversation. I asked him to do so. I said pull the tapes from our conversations. He said, "I can pull tapes all day, you are playing games with me." I said "I am not, pull those tapes and you will see what was said." He then said, "Are you calling me a liar?", I said, "No, but I am not lying." He said he had no notes about me making arrangements for June 18th and 30th. He said they couldn't do check drafts anyway.
I then told him I would send him two payments tomorrow by moneygram and I wanted to speak with his supervisor. He said he was the supervisor. I told him I was sure there was someone else above him. He got very hateful and said you have till noon tomorrow. I told him he would have his money by noon tomorrow but I want to speak with someone else. Several times he stated he was the supervisor and there was no one else to speak with.
Naturally, he finally said I could call back and ask for this extension for the V.P. Of course, the VP did not answer and I all got was voice mail and he has not returned my call. By the time I was done, I was in tears for what this man had insinuated about me.
I feel these people have defamed me and tormented me by continuing to call after I make arrangements with them. Or I return their calls and explain the situation only to get called five minutes later by someone else from the company. Then they call everyday and I go thru the whole explanation again. Do these people know how to communicate to each other?
They are the ones who make the arrangements then call and say they can't do that or there was no note on my account regarding these arrangements. Insinuated I was a liar. Said I was playing games with them, when all I was trying to do was make arrangements and not leave them hanging.
Like I said, they have every right to want and expect their money. I do not have a problem with that. But I would like to know if these conversations were taped. I think if they pulled them they would have some ex employees. In the meantime, I am being punished for their mistakes. I can no longer write them checks. I have to go get money orders or do moneygrams which is an inconvenience to me.
Maura
Henderson, Kentucky
U.S.A.
Click here to read other Rip Off Reports on CENTEX (CAVCO HOMES)
1 Updates & Rebuttals
Priscilla
Peabody,Massachusetts,
U.S.A.
Centex is a Predatory Lender/Servicer, possible help is available
#2Consumer Suggestion
Fri, July 02, 2004
Hi Maura,
My name is Priscilla and I am also with Centex having similar problems with them as you. First, let me tell you that the people you are dealing with are collectors only. There are many VPs in Centex as I have spoken to many of them all who claim to be the supervisor, boss, VP, etc. You will get no where with them as they are only trying to make money off you by making your payments late on purpose just to charge you a fee. These people evidently never heard of the Fairbanks Case or other loan servicing cases such as Ocwen, Litton, etc. All these servicers do is make your payment late to charge late fees. That's how they make their money. The first thing you should do is do not speak with them at all, as you will just get upset at what they are saying/doing. Write to your Attorney General's office explaining what you have in this report and file a consumer complaint against Centex. The are violating the Fair Debt Collection Act by treating you this way and I'm sure they are violating many other acts and laws. As you can see, you are not alone, there are others like us in the same predicament. If Centex is unwilling to negotiate with you, find out what your laws are in your state regarding debt collection and see if they are adhering to those laws and if not, write Centex a letter telling them what they are violating. The best thing from here on in is to write letters to Centex creating a paper trail because they will lie to you on the phone and then later say they never had that conversation with you. As far as the tapes are concerned, there is none. They are not taping your conversation. In some states, it is illegal to tape record conversations. Massachusetts is one of them. The next thing you need to do after you contact your AG's office, write to the Federal Trade Commission, go to their website and you will find their address. Also, write to the Better Business Bureau in Dallas, TX as a bunch of us have already done that and they will keep these types of complaints on Centex for 3 years. The contact name at the BBB is Don Morris. Website is 222.dallas.bbb.org. Also, write a letter to the Chairman of the Board at Centex in Texas. It use to be Laurence Hirsch, but there has been a change in command there and now there is someone else, and I forget his name. Their website has that information. Also, see if you can have someone in the mortgage industry who you can trust look at your loan documents to see if there are any illegal charges on there. You should also go the HUD website and look at RESPA information and possibly do a Qualified Written Request to get copies of your account and how they are applying your money. This you are entitled to by law. I am not an attorney, just a consumer who has been fighting with Centex for a year and one half. There are a group of us and we all visit MSFraud.org and Contifairbankssucks.org sites and post there. Visit us there and you can get more answers to your questions and problems. Know that Centex will lie to you to get your money. They are violating the law when they threaten you. Do not let them get away with this and do not let them tell you what is right and what is not. They are wrong!!! All the time. They are also a predator just waiting for you to mess up with your payments in hope that they can foreclose on you. They are in the business of foreclosure and not mortgage lending. I am trying to get the Federal Government and the Attorney General's offices in various states to file suit against them, it's a very slow process. There is one organization in Washington, DC who is looking into that and they are the NCRC (National Community Reinvestment Coalition). They have a consumer rescue fund available to get you out of the horrible loans Centex and others give us.
Take care and hopefully this information will help you.
Remember, you are not alone and I'm glad I can add one more name to my list of people who are fighting for their homes to save them from foreclosure with a predatory lender.