C
Middleburg,#2Consumer Suggestion
Fri, September 29, 2006
Lisa, try and contact NIGEL DRUMMOND ([email protected]) he is like an Executive VP. My problem was similar but grew much deeper. I have a 1st & 2nd on my current home not exceeding the value (I did an 80/20 to avoid PMI). I was talked into refinancing BOTH mortgages to 'save money' rather than just extend the 2nd mortgage... that turned out to be bogus! Anyway, the BIG lies came when I finally got word that it was time to close. I got a call from the mortgage officer saying we were going to close. She told me I was paying off the 1st & 2nd mortgages, a credit card and I would get $32K in cash which I intended to use to pay off my wife's car ($27K) and then some home improvements. The 'closer' called (a lady from a title agency) and told my wife to have a check ready for $9000... I called my processor and told her we weren't closing as that was stupid to pay that much money out and be left with not enough to pay off the things I wanted to... etc... etc... She assured me it was an error on the part of the closer and she'd take care of it. At the closing IN MY HOME, I saw this $9000+ on the 2nd mortgage closing docs.. I called the Home Capital lady and again was assured it was just a paperwork thing required by the title company, "I promise you you are getting $32000 cash!" At 7:30pm the DAY AFTER my 3 day Right Of Rescision, the loan lady calls me with grim news... There was an error on the original application that they made in the DBA name of the company... the best thing to do to expedidte receipt of our $4 is to just FedEx me the docs and I initial next to the handwritten corrections they make. No problem... but my wife and I are smarter than that!!! We made copies of the FedEx Airbills, all the docs, etc... Next, after I return the corrected docs, I get a call from the loan lady and she informs me that the $9000 IS owed by me and it reduced my cash out to $23K. BULLCRAP!!!! She claims it's too late now everything has already been sent to the county, etc... Long story short, Nigel Drummond and I became very familiar with each other and not only did I get that loan cancelled, my original loans were put back in place with my other bank and the only fees I was out was the appraisal which I have a copy of now. Don't give up your fight. They tried to put me in a position where I had to accept their lies and mistakes and suffer for them. I called their BS. YOU CAN TOO. FIGHT!!!!
C
Middleburg,#3Consumer Suggestion
Fri, September 29, 2006
Lisa, try and contact NIGEL DRUMMOND ([email protected]) he is like an Executive VP. My problem was similar but grew much deeper. I have a 1st & 2nd on my current home not exceeding the value (I did an 80/20 to avoid PMI). I was talked into refinancing BOTH mortgages to 'save money' rather than just extend the 2nd mortgage... that turned out to be bogus! Anyway, the BIG lies came when I finally got word that it was time to close. I got a call from the mortgage officer saying we were going to close. She told me I was paying off the 1st & 2nd mortgages, a credit card and I would get $32K in cash which I intended to use to pay off my wife's car ($27K) and then some home improvements. The 'closer' called (a lady from a title agency) and told my wife to have a check ready for $9000... I called my processor and told her we weren't closing as that was stupid to pay that much money out and be left with not enough to pay off the things I wanted to... etc... etc... She assured me it was an error on the part of the closer and she'd take care of it. At the closing IN MY HOME, I saw this $9000+ on the 2nd mortgage closing docs.. I called the Home Capital lady and again was assured it was just a paperwork thing required by the title company, "I promise you you are getting $32000 cash!" At 7:30pm the DAY AFTER my 3 day Right Of Rescision, the loan lady calls me with grim news... There was an error on the original application that they made in the DBA name of the company... the best thing to do to expedidte receipt of our $4 is to just FedEx me the docs and I initial next to the handwritten corrections they make. No problem... but my wife and I are smarter than that!!! We made copies of the FedEx Airbills, all the docs, etc... Next, after I return the corrected docs, I get a call from the loan lady and she informs me that the $9000 IS owed by me and it reduced my cash out to $23K. BULLCRAP!!!! She claims it's too late now everything has already been sent to the county, etc... Long story short, Nigel Drummond and I became very familiar with each other and not only did I get that loan cancelled, my original loans were put back in place with my other bank and the only fees I was out was the appraisal which I have a copy of now. Don't give up your fight. They tried to put me in a position where I had to accept their lies and mistakes and suffer for them. I called their BS. YOU CAN TOO. FIGHT!!!!
C
Middleburg,#4Consumer Suggestion
Fri, September 29, 2006
Lisa, try and contact NIGEL DRUMMOND ([email protected]) he is like an Executive VP. My problem was similar but grew much deeper. I have a 1st & 2nd on my current home not exceeding the value (I did an 80/20 to avoid PMI). I was talked into refinancing BOTH mortgages to 'save money' rather than just extend the 2nd mortgage... that turned out to be bogus! Anyway, the BIG lies came when I finally got word that it was time to close. I got a call from the mortgage officer saying we were going to close. She told me I was paying off the 1st & 2nd mortgages, a credit card and I would get $32K in cash which I intended to use to pay off my wife's car ($27K) and then some home improvements. The 'closer' called (a lady from a title agency) and told my wife to have a check ready for $9000... I called my processor and told her we weren't closing as that was stupid to pay that much money out and be left with not enough to pay off the things I wanted to... etc... etc... She assured me it was an error on the part of the closer and she'd take care of it. At the closing IN MY HOME, I saw this $9000+ on the 2nd mortgage closing docs.. I called the Home Capital lady and again was assured it was just a paperwork thing required by the title company, "I promise you you are getting $32000 cash!" At 7:30pm the DAY AFTER my 3 day Right Of Rescision, the loan lady calls me with grim news... There was an error on the original application that they made in the DBA name of the company... the best thing to do to expedidte receipt of our $4 is to just FedEx me the docs and I initial next to the handwritten corrections they make. No problem... but my wife and I are smarter than that!!! We made copies of the FedEx Airbills, all the docs, etc... Next, after I return the corrected docs, I get a call from the loan lady and she informs me that the $9000 IS owed by me and it reduced my cash out to $23K. BULLCRAP!!!! She claims it's too late now everything has already been sent to the county, etc... Long story short, Nigel Drummond and I became very familiar with each other and not only did I get that loan cancelled, my original loans were put back in place with my other bank and the only fees I was out was the appraisal which I have a copy of now. Don't give up your fight. They tried to put me in a position where I had to accept their lies and mistakes and suffer for them. I called their BS. YOU CAN TOO. FIGHT!!!!