HOMECOMINGS FINANCIAL QUACKS, THIEVES, AND CON ARTIST'S LOUISVILLE Kentucky
My Mortgage was sold to this company 2 months after I did my closing. I had no knowledge of this transaction. I was receiving statements from this company for payments of more than my mortgage amount. One day I called up the previous mortgage company and told the representative what was going on.
At that time I learned my mortgage was sold to them. I questioned, "why didn't anyone inform me of what was going on?" I was told everything stays the same my loan was just sold. I informed them that everything changed because I was being charged escrow fees when I didn't escrow. I was told that wasn't to happen and they would get back to me.
Mind you My insurance was paid up for the year and two weeks after receiving my tax statement They went behind my back and paid the taxes. Now I am being charged for this year taxes and next year taxes. I notified Homecomings regarding what they were doing and the representative was very rude to me and told me I was delinquent in my taxes so they had to pay it. I said "How can I be delinquent when the statement came out and you guys took it upon yourself to pay may taxes without my knowledge and I had three months to pay my taxes. I was told I escrowed and I know I didn't the old mortgage company also informed me that I did not escrow, so they are not suppose to escrow me. I requested a copy of their documents, so I can compare it to mine.
As of this date I have not received anything as yet. I receive my statrments at the end of the month instead of the beginning, My Mortgage is $400 more than I suppose to pay. I am very worried I am a first time homebuyer with fair credit and I desperately need help.
Chinadoll
Kissimmee, Florida
U.S.A.
3 Updates & Rebuttals
Nikki
Coconut Creek,Florida,
U.S.A.
Are your tax bills already out?
#4Consumer Suggestion
Tue, August 21, 2007
Did you already get your tax BILL? The tax bill cannot be paid until November. They send out the tax statements (sometimes called "Trim Notice" in or about August (which are estimates, not actual bills) so you have time to dispute taxes, millage rates, etc. Did the property appraisers office already cash the check from Homecomings? I didn't think they could do that until the actual BILL was mailed and due (Usually in November). Make sure Homecomings did, in fact, pay it. Check with your county property appraisers office. Many property appraisers in Florida are online. Or are you talking about last year's bill sent out in November, due by March?
Taxes are paid in arrears. The tax bills for January - December, 2007, are sent out in November, 2007, due by March, 2008.
Do you have the paperwork on your original mortgage that states you are electing not to escrow? There should be an addendum to the mortgage where the mortgage company offers you the choice. Maybe you can send that to Homecomings. Many mortgage companies do not offer the choice, they automatically escrow. The original mortgage paperwork usually states that you may or may not required to escrow. Then there is the addendum where they give you the choice. Hopefully you were offered and signed the addendum.
Nikki
Coconut Creek,Florida,
U.S.A.
Are your tax bills already out?
#4Consumer Suggestion
Tue, August 21, 2007
Did you already get your tax BILL? The tax bill cannot be paid until November. They send out the tax statements (sometimes called "Trim Notice" in or about August (which are estimates, not actual bills) so you have time to dispute taxes, millage rates, etc. Did the property appraisers office already cash the check from Homecomings? I didn't think they could do that until the actual BILL was mailed and due (Usually in November). Make sure Homecomings did, in fact, pay it. Check with your county property appraisers office. Many property appraisers in Florida are online. Or are you talking about last year's bill sent out in November, due by March?
Taxes are paid in arrears. The tax bills for January - December, 2007, are sent out in November, 2007, due by March, 2008.
Do you have the paperwork on your original mortgage that states you are electing not to escrow? There should be an addendum to the mortgage where the mortgage company offers you the choice. Maybe you can send that to Homecomings. Many mortgage companies do not offer the choice, they automatically escrow. The original mortgage paperwork usually states that you may or may not required to escrow. Then there is the addendum where they give you the choice. Hopefully you were offered and signed the addendum.
Kimberlie
Knoxville,Tennessee,
U.S.A.
Interesting
#4Consumer Comment
Mon, August 20, 2007
Interestingly enough I had the same problem only I can't get them to pay my taxes. I had to go thru my Bankruptcy lawyer to get them to pay my insurance. First they wanted to go thru "their" insurance company and payout my entire escrow balance. I put my foot down.
Luckily my lawyer got them to pay it to the insurance compnay of my choice. My escrow still doesn't look right and my taxes are not paid. I can't get ahold of anyone reasonable there that half-way knows what it is that they are talking about.
This place is nuts and it scares me that right now I am trapped and cannot get out of their hold.