Mark
Washington,#2Consumer Comment
Fri, May 14, 2004
I, too, had my loan purchased by ALS not too long ago. We fell a little behind due to medical bills and they were the most uncaring, rude and ruthless people I have ever dealt with! They would not even talk about it eithr. I was only 2 payments behind when they then began sending back payments (full month payments) because "it wasn't the full amount". This would then make them later and later...they would send VERY threatening letters. I thankfully have a good job and could catch it up. However - word to the wise - as soon as I told themm they would NOT get my home and if the foreclosed I fully intended to reinstate it. That was the wrong thing to tell them, as they immediately (within days) had served me with a foreclosure lawsuit. The lawyer 'fees' I had to cover for them filling out a copy-n-paste form and copying the mortgage agreement and late 'fees' they extracted from playing musical payments (sending them back) was nearly 40% more than the payments I was behind at the time. Most likely they were in kahoots with the lawyers and probably split the money they extracted... What I can't believe is with all the complaints against this company why they are still allowed to rip people off day in and day out. Unfortunately, I still have to deal with them today. All I can recommend to anyone who has them servicing their loan is NEVER - under no circumstances - ever fall behind. They will treat you like dirt and pounce at ANY chance to possibly get you home. They pray on people who don't have the means to fight back.