Complaint Review: Countrywide Home Loans

We closed on our house on January 31, 2007. We moved in March 1, 2007. We had a major water leak in April 2007, City Utilities would not allow us to make payments on utility bill so we took our second mortgage payment to pay them. We caught April payment up in May along with the May payment.

After that it was all downhill for us with Countrywide. They started now recording our payments until after the past due date so they could collect the late fee of almost $30.00 a month and put us into a rolling thirty day late with our credit scores.

In August 2008 we "qualified" for a three month loan restructure which allowed us to put three months at the end of the contract. We paid $645.00
good faith money and signed the contract in the prescence of a Bank of America notary.

The payment was to be $680.35 (PITI) per month for the life of the contract.
Lo and behold when the first statement of the new contract arrived it said $704.00, second month $724.00, third month $732.00, and so on. Now the payment is all the way up to $826.00. I am paying the contract amount of $680.35, so what in the world is going on here?

Is there even a real new contract or was it a false one to get the good faith money from me and add extra charges monthly to make it look like I wasn"t paying the full payments? Does anyone out there know what this scheme of theirs is and how to stop it? Can we as a group ever get any satisfaction and some of our money back?

Judykatz
Springfield, Missouri
U.S.A.