Complaint Review: Saxon mortgage

Well as everyone knows Saxon is a crook! I don't care who it gets sold to it will always be a fraud! They have wanted my house since I was "sold/transferred" to them. They forced me to be behind in my payments! I bought the house in 06 with another person. We are listed on the mortgage as tenants in common. In April he moved out and filed chapt 7. I made the payment for April and made the May payment on June 2 because I needed to buy a car and couldn't be 30 days late on my payments. I called the 2nd week in July to make June's payment and they said I owed for May and June. They said I made no payment on June 2.

I found the western union slip and oh now they see a payment. They said that was for April. (how when I was current when they checked when I bought my car) I asked for an itemized list of payment history. I got it a month later and couldn't read the dang thing! Meanwhile they will not take 1 months payment I need 2 months payment and $850 in late and other fees!! I just paid all my late fees the Oct before so even if I was late every month $47x 8 months is $376! I asked for tge fees to be explained. Never got that. They then said you have 4 days to come up with $2300. I didn't get paid for 6 more days!

They wouldn't even hold off. The same day they told me that they sent out a letter of foreclosure! They still couldn't prove where my June 2 payment was applied, explain these fees and now they want another $1400 for lawyer fees! I tried a repayment plan but they wanted $1700 down and with the figures and time they would keep me on it I would almost be paying double what I even owe!! Why would I agree to that? So since they continued to refuse my payments I filed chapt 13. In that I noticed that my title/deed was from MERS and equity consultants (was my broker who went out of business) that was done in 06, then there was an assignment done in aug 2011.

They sent me a copy and I noticed that it may be Robo signed. The vice president is Angelo Mayfield and the notary is Allison A. Walters. I have seen Angelo as a notary on other documents. So is he a notary or a VP of MERS? When I did a search he is not registered as a notary, neither is Allison Walters but I did see something showing him as a manager at Saxon in Texas. What is going on here? I asked for the assignment a year ago when I saw something on TV. Now AFTER foreclosure started (Michigan) you register the assignment? That's fraud! Plus how can MERS act as a nominee foe equity consultants in aug 2011 when they no longer exist?

It says: For value received the undersigned MERS Ailey as nominee for equity consultants it's successors and assigns 1818 liberty street suite 300 Reston Virginia hereby grants, assigns and transfers to the bank of new York Mellon as successor trustee under Novastar mortgage funding trust c/o Saxon mortgage all rights and title and interest of the undersigned in and to that certain real estate mortgage dated feb 28 2006 recorded 3 15 2006 as joint tenants ( my original documents say tenants in common) Also on the copy of the mortgage documents they attached show where they wrote in joint and crossed out in common. Not sure what difference that makes but how can you just make changes to a document like that?

So I'm in a mess with them, they already filed a motion of relief of stay in his bankruptcy mine just began. This company is a fraud when is something going to be done? They are in foreclosure business not servicing!