Daniel
Pasadena,#2UPDATE EX-employee responds
Sun, October 26, 2008
Dear Karla, from Granby Colorado: I do not appreciate your extremely negative and incorrect internet posting about me. I remember in April 2007 you applied online to check out what rates were out there and to inquire for some information which I helped you find out. You had a 510 FICO score which is very low. You were paying a 9% rate to a company called SUB 500 Mortgage based out of San Diego. I remember you wanted to lower your mortgage payment and get some cash out for home repairs. I remember I sent you numerous e-mails that the loan you wanted was going to be yours based on certain variables ( credit, income documentation, home appraisal, sub 500 mortgage payoff, etc ). Towards the end of the process, Countrywide received the payoff to SUB 500 which was higher than you & I expected due to your pre payment penalty. I remember I called you on your cell phone to tell you that the only benefit to obtaining a loan with us is lowering your monthly payment by $500, & that you were only going to receive around $3,000, on a fixed rate at 7% for 30 years, "Is this OK with you and do you want to proceed?" I asked. "Sure Dan, I hate SUB 500 Mortgage, they give me the worst service, let's proceed." you answered. You read the contract, You signed the contract, You had 3 days to cancel the contract. Even when you called me to cancel 4 days later, My manager Darren tried to help you but your credit was too low to obtain a better loan. You received the best loan possible that you qualified for, with your horrible credit score, which now would not even allow you to open a credit card. Now you say your payment is the same? I don't know how that is, the Underwriters would not have placed you into a loan with no financial benefit. So before you write an internet blog about me, please get the story straight! It's funny how you didn't even put your name in the add Karla, are you hiding something?? OH, maybe the truth!!!! Out of the 300 loans that I personally originated you were the only disgruntled customer.... Sincerely, Daniel S. Nehdar
Anonymous
Granby,#3Author of original report
Thu, February 14, 2008
I wanted to include that I did file a fraud report through CountryWide Home Loans and have requested several times follow up information. I have never heard back from the Fraud Department or anyone from CountryWide Home Loans.