- Report: #167746
Complaint Review: EMC MORTGAGE - UC LENDING - IRVING Texas
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Author Confirmed
Why?
EMC MORTGAGE - UC LENDING
PO BOX 141358 IRVING, 75014-1358 Texas, U.S.A.
Phone:
800-723-3004
Web:
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EMC MORTAGE - UC LENDING ripped me off, stole insurance money and is now trying to throw me and my 4 kids out of our house ripoff IRVING Texas
My story is the same as everyone else who has filed a complaint againt EMC Mortgage. The problem started when UC Lending filed Bankruptcy and from that point somehow I went from never missing a payment to a few months later being six payments behind from there it escalated.
They never made one payment for my Taxes on the house which now I owe over $6000 in back payments they stole Insurance money from me when I filed a claim after a Hurricane hit our area. We had to send the check to them for indorsement and never recieved it back. They also put 2 Insurance policies on my house at the same time and I had to fight to get one cancalled because I had my own homeowners Insurance with USAA and they wanted to put their own on instead.
I have now just been served with papers that states I have 30 days to comply or I will be evicted. If anyone can give me some names and support of which step I need to take next please give me some guidence. I tried to refinance with other Mortgage companies but even they were given the run around when they contacted this company and everytime you called someone they were rude and no one had the same answer to any question that was asked. I would speak with one person and be told one thing only to talk to someone else and be told we can't do that.
This whole company is nothing but crooks and when a law suit if filed I will be one of the first to seek retrobution.
Dawn
CORAPEAKE, North Carolina
U.S.A.
They never made one payment for my Taxes on the house which now I owe over $6000 in back payments they stole Insurance money from me when I filed a claim after a Hurricane hit our area. We had to send the check to them for indorsement and never recieved it back. They also put 2 Insurance policies on my house at the same time and I had to fight to get one cancalled because I had my own homeowners Insurance with USAA and they wanted to put their own on instead.
I have now just been served with papers that states I have 30 days to comply or I will be evicted. If anyone can give me some names and support of which step I need to take next please give me some guidence. I tried to refinance with other Mortgage companies but even they were given the run around when they contacted this company and everytime you called someone they were rude and no one had the same answer to any question that was asked. I would speak with one person and be told one thing only to talk to someone else and be told we can't do that.
This whole company is nothing but crooks and when a law suit if filed I will be one of the first to seek retrobution.
Dawn
CORAPEAKE, North Carolina
U.S.A.
2 Updates & Rebuttals
Kevin
Houston,Texas,
U.S.A.
Day in a life of a mortgage
#2Consumer Suggestion
Tue, December 13, 2005
Do you have proof of the payments which you made? Also, is it possible to find out from your insurance company about the check which was endorsed. Unless the insurance company allowed you to use those funds to repair your property, then the company is liable. From what you are describing, you are having a numerous amount of problems. I would suggest contacting your state attorney general's office. Also, check out your local laws on this eviction. In most states, you can fight an eviction notice if it is wrongful and you have supporting proof of that. Depending on how your state process for the eviction process, the company will send a letter asking you to leave the premises. After that time, if you still occupy the house, the company will have to come to court to have a judge lawfully evict you from the house with the help of marshals. However, if I were you, I would visit my local Justice of the peace or county court or city court judge and ask the court what are your rights in this matter. You may have to hire an attorney (you can use one from LegalAid for free usually) to file a suit to stop the eviction. Basically, the judge will place a injunction against the company prohibiting them from evicting you. Then, you get to cracking. Ask them for a payment ledger showing how everything has been applied. Also, contact your local attorney generals office of consumer protection. They also have leverage in this matter - because they surely are not to want to be sued. If you have any other questions, e-mail me.. Thanks..
Kevin
Houston,Texas,
U.S.A.
Day in a life of a mortgage
#3Consumer Suggestion
Tue, December 13, 2005
Do you have proof of the payments which you made? Also, is it possible to find out from your insurance company about the check which was endorsed. Unless the insurance company allowed you to use those funds to repair your property, then the company is liable. From what you are describing, you are having a numerous amount of problems. I would suggest contacting your state attorney general's office. Also, check out your local laws on this eviction. In most states, you can fight an eviction notice if it is wrongful and you have supporting proof of that. Depending on how your state process for the eviction process, the company will send a letter asking you to leave the premises. After that time, if you still occupy the house, the company will have to come to court to have a judge lawfully evict you from the house with the help of marshals. However, if I were you, I would visit my local Justice of the peace or county court or city court judge and ask the court what are your rights in this matter. You may have to hire an attorney (you can use one from LegalAid for free usually) to file a suit to stop the eviction. Basically, the judge will place a injunction against the company prohibiting them from evicting you. Then, you get to cracking. Ask them for a payment ledger showing how everything has been applied. Also, contact your local attorney generals office of consumer protection. They also have leverage in this matter - because they surely are not to want to be sued. If you have any other questions, e-mail me.. Thanks..
