J
Sacramento,#2UPDATE Employee
Thu, September 28, 2006
If I were you I would call in the office today and ask what it would take to bring your account current and how to make the payment. Then I would make the payment and remain current on my loan. You seem to have a lot of time to write on this website, when maybe you should be using your time for more important things, such as handling your mortgage. Actually Bankruptcy Protection is a good thing. If we filed bankruptcy what do you think would happen to your house? And since you do a lot of research you also know we got bought by Barclays, which would mean the chances of us filing for bankruptcy would be the same chances of you paying your mortgage on time.
D
Sacramento,#3UPDATE Employee
Thu, September 28, 2006
We didn't choose YOU just so you know. You loan wouldn't get sold to us unless you had bad credit and/or bad payment patterns because we only service subprime loans.
Angel
Minford,#4Author of original report
Thu, September 28, 2006
Pay your bills? This from a Company currently under BANCRUPCY PROTECTION?? ( HomeQ Servicing Corp. DBA: The Money Store, FairBAnks Capital Mortgage, etc)I have done alot of research about this company! Shouldnt you practice what you preach? Dont you (Homeq) think that its funny that there are HUNDREDS of reports listed on here with the same complaints? Your failure to provide your clients with the correct information needed to complete their loan transactions are just as much at fault! I have TRIED to make payments!! You READ as well as you listen!! In the above statment I made it clear I have attempted to make payments!!! YOU HAVE RETURNED THEM!! Then I have to deal with employees who arent able to give accurate or CORRECT information! One person I talk to may be in the Carolina's the other in California! PLease dont respond if all you can do is make your nasty comments, or point your finger! I understand that this common practice since I have been subjected to far nastier comments on the phone! I am just trying to seek help!! Unfortunately you arent even offering help, nothing you have listed above has even brooched the subject of help for your clients! You mention the loan documents, yes I have read them, I have read them NUMEROUS times! They were signed with Argent Mortgage Company. You CHOSE ME as a client! I didnt apply to you!! My credit score was in the 700's when Homeq took over my loan, I am now in the 500's!! I understand the idea of "paying my bills", however when I have my payments sent back, I find it very distressing that you make your comments like those listed above.
D
Sacramento,#5UPDATE Employee
Thu, September 28, 2006
Yes, Yolanda is 100% correct in what she said!! If you can't keep up with all the responsibilities you signed up for when you signed your mortgage agreement then you need to sell your house or try to refinance. You're bound to the contract you signed and so are we. If you don't keep up with your taxes or homeowners insurance like you agreed to we are liable and so we will pay them for you to protect our interest in the property. After all it is our house until you pay your loan off in full. You also need to understand we just want you to pay your bills on time like you said you would. D o that and everything is fine between you and Homeq.
Yolanda
Boone,#6UPDATE Employee
Wed, September 27, 2006
Per the loan documents you signed, you agreed to pay taxes and keep homeowner's insurance for your property. If you fail to do so, HomEq does it for you. Also, HomEq sends out notice after notice that your payment is going to be raised before they do it, and everytime you call in, an agent advises you of the same thing. It's not HomEq's fault if you choose not to read your mail. Yes, whoever told that we would destroy a check you mailed was definitely wrong about that, collections has nothing to do with the cash department. The point of this rebuttal, however, is to read you original loan docs and you should find anything you need to know.