Complaint Review: CountryWide Home Loans - Granada,Calabasas, California 91302 Nationwide

We have tried for the last 9 months to pay our

mortgage - even if it was minimum payments.

In March 2005 we moved into our home. At that time

we were w/ Accredited Mortgage - which is a great

company - no problems ever with them.

Then the loan was sold (the 1st part of our

mortgage)

to CountryWide.

In April 2005 my husband was diagnosed with epilepsy

and thus lost his job because of it - yes we are

going through EEOC. We had enough savings to get

through a few months of mortgage payments and in

September the savings ran out which was going to be

used for taxes but this money was not due until June,

unfortunately due to the circumstances we were forced

to use this for Mortgage payments.

In August I called CountryWide to make payment

arrangements for the next couple of months to either

defer or make regular payments and add a couple of

hundred dollars in addition to the regular payment.

CountryWide refused this and they said we would have

to wait until the payment was actually considered

late. So we went ahead and waited until it was late

and then called again. --- Oh you and your husband

qualify for the Work Out department -- let me

transfer you that way. So we applied for the work out

department which we guess that they adjust the loan

almost like a refinance to make the payments lower

OR to defer like we originally wanted to do. So we

rec'd a letter back from them stating that we were not

qualifed for this arrangement without an explanation

as to why we were not qualified. So we had called

and they had stated that our investor would not allow

such arrangements -- we were stunned as none of this is

listed clearly in our mortgage paperwork. So we

then tried to apply for payment arrangements. They

requested that we fax over check stubs, bank

statements, and a letter of hardship. So we did as

requested. After 30 days we received another letter

saying that we had been denied the request because

they did not recieve the paperwork. So we called,

sent it again, same thing. This has occurred 5

times now of which once I have had the rep call me back to confirm receipt of the paperwork I had sent over.

Then this January we received a notice of default that

they would be initiating foreclosure proceedings. So then the legal, late fees and interest started piling up.

We have tried several times to initiate a partial

payment of which they have stopped us from doing so

by saying it has to be all or none.

We very much believe that CountryWide is a predatory

lender, and this is conspiracy and should be stopped

in their tracks. We very much deserve to stay in

our home and have tried everything with them to work

with them and have also tried to contact their managers

by leaving voicemails, calling to see if they are

available and have had no calls returned ever. It's

always the excuse they are in a meeting.

As you can imagine this is very frustrating and very

stressful on our family as all we are trying to do

is be faithful and had called them ahead of time to

work this out and now we are on the verge of losing our

home. August 30th is the "foreclosure date".

Recently we have had several collection calls by

them in which they are not reading the history on the

account and then we have to go in cirle's again....

then they are offering refinancing, "oh you qualify

with our full spectrum lending division" to

refinance and possibly get you out of this

situation. We have also had reps suggest that we sell

our home or that we just give it over to them. We

were told by another party that this is considered

predatory lending.

What do we do? How can we keep our home?

I e-mailed Countrywide last night a letter regarding

our loan explaining our situation for the 100th time

and that we would not accept any more phone calls

from reps but would accept a call from a division

manager or Mr. Mozila himself. I have the personal

addresses and phone numbers of some of the executive

board which was easy to obtain from whitepages.com and

am very tempted to write or call them but don't want

to feel like I would be a psycho or harrassing them.

We again would like to save our home. We just want

to have a chance to do so and do not feel that we are

getting a chance or that our rights are being

denied.

We have also put in a complaint to the FTC, Acorn, Several Law Firms, as well as the Attorney General, and Better Business Bureau. Oh also submitted information regarding these to ABC News (20/20), and FOX2KTVI. Getting ready to send to CNN as well as MSNBC, NBC as well as other local stations here.

Miss D.

Alton, Illinois
U.S.A.

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