Jessica
Danielson,#2Author of original report
Sat, February 21, 2004
There is light at the end of the tunnel if you can get there. We got an approval for a 2nd mortgage to get these LIARS OFF our back temporarily with option to Refiance in July as 1st mortgage holders. But Beware of outcomes of "FEES" Galore! Reinstatement quote from Fairbanks/Equi-Credit as of 2/11/04,Late charges (I always paid my late fees,they refused to give me report)NSF charge(I gave author.for 1 elect. deduction on a said date,accessed my account the day before and 2 times in 1 day after getting the money)(I already paid my bank fees $15.00 each time why pay more)They accessed the account 4 times with 1 authorization on a specific date. Escrow Advances (to which I am aware of),Property Inspections,Broker Price opinions Interest on Advances(What advances? they never gave me any money?)Demand assessment,Fax Fees,Forclosure Fees,Appraisal fee(Where's my documents?)Recording fee,Overnight delivery fee.(according to rep on the phone).I must add within the late charges is hidden charge for appraisal fee. This company has refused to give me a break down of all these fees accrued.They want $24,872.89. I have been constantly harrassed by phone 5+ times daily,I have been told by a Rep. of Fairbanks & I quote "Fairbanks is not a mortgage company they are a loan shark,that they can take my house when they d**n well please",I get letters in the mail,representatives put self stick notes (not in envelopes)into my mailbox (isn't that a federal offense?)and notes in my front door stating "A representative called on you today,to please contact the Loan Servicing Center."I have contacted them,A rep. informed me,each time I answer or return a call it costs "ME" $15 for the call,On Demand Letters $10.I send my payments to them,they don't credit my account in a timely manner.It takes 20 days for my Checks to clear the bank.I questioned acrued fees being charged,they refused to explain.I asked about sending the payments,was told it will be refused and sent back to me. ***I can see light but it's not coming quick enough,I have filed a complaint with the attorney general of CT. Hopefully these MAD PEOPLE will be STOPPED before it's too Late!GOOD LUCK TO YOU ALL, HOPEFULLY THIS WILL END FOR ALL OF US SOON...KEEP FIGHTING, DON"T LET THEM WIN!!!!