Homecomeings Financial ripoff bank threats abused & mistreated outlandish ripoff late fees victimized many consumers Dallas Texas
Over two years ago my wife and I filed for bankruptcy. Our mortgage company is Homecomeings Financial. Although we continued to make payments, Homecomeings quit sending statements. They also ignored my certificate of insurance that my company sent them for my homeowners insurance and added on their own high priced cut rate insurance.
Homecomeings financial has ignored requests for accounting of our loan for the past two years, We have made payment to several addresses since they took over our mortgage. Checks have been returned or cashed without any reason given. One month they will cash the check and the next they may send it back.
They have even reported a false forclosure on my credit report to hinder my refinanceing
Roger
Nokomis, Florida
U.S.A.
1 Updates & Rebuttals
Jacqueline
Hammond,Indiana,
U.S.A.
Florida Consumers Attorney General: 305-377-5619
#2Consumer Suggestion
Mon, May 26, 2003
Yours is a logistically difficult situation, which requires professional help from a lawyer or federal division of law enforcement. The mortgage financing area is complicated for a number of reasons.
1-You must have a clear understanding of the consequential loan/mortgage agreement you signed.
2-You must provide proof of payment and all other transactions.
3-You seemingly need to sacrifice half of your life to read and comprehend this contract yourself, without magically transforming into a lawyer. :) Moving on, any lawyer you might hire requires material evidence to work with, permissable in court.
If you were not considering a lawsuit, and plan to negotiate all agreements outside of court, you risk furthur injury to your credit history and budget, this without review and furthur assitance from the law. As a general consumer tip: Communicate with this company in WRITING. It may take longer, but how can you prove an unrecorded phone conversation? Sure, you get faster results by phone, but when the process takes a wrong turn, it remains unproven. Even if it means requiring signatures for all complaints/inquiries mailed, at least you can prove they are crooks, if they are crooks.
Here are some referals to consider all possible options, lawsuit or not. Your Florida Attorney Generals can assist you further. Their addresses: Jim Smith, General Consumers Attorney, Miami, FL, 305-377-5619,Attorney General State, West Palm Beach, FL, 33401, 561-688-7759, U.S. Attorney Inspector, General Office of Investigations, 500 E Broward Blvd., Fort Lauderdale, FL, 33394, 954-356-7255.
Homecomings Financial also goes by the name of Homecoming Financial Network. The Principal-Vice President is Mr. Paul A. William, phone: 1-800-206-2901. You may already have that number, but just wanted to confirm this is the right company. An additional company number is: 952-857-7735.
Here are other additional personnel management: Ms. Sheila Gregory, and Mr. Mark Carol-Supervisor. Additional names in the "Network" division whom share the same toll free number are: Mr. Chris Gillson-President, Ms. Pat Gardino-Customer Service, and Mr. Robert Meachum-Servicing Manager. This according to http://search.bbb.org/results.html.
On the possible chance the Attorney Generals do not respond in a timely manner (from being back-logged), and you cannot afford a lawyer, here are some additional information resources: www.consumer.gov or www.ftc.gov. They have a special subsection at their sites called "The Sentinel". Federal law enforcement frequents these sites regularly. The Federal Trade Commission can assist you more than you realize. They had a 4-page article on frauds, like the one you may be subject to, with your mortgage. They had an article and possibly a section on Mortgage Servicing Abuse, that detailed how these companies routinely take more money from you, than you really owe. Hope this helps.