Complaint Review: Homeq - North Highlands California

First, I want to say that I was seriously considering using The Money Store/ Home Eq for my mortgage but after all that I have read I really doubt it. Furthermore, I will make sure that I have NOTHING to do with them EVER! As for you unsuspecting consumers who are going through so much I want to say that I truly feel for you guys. I thank you sooooo much for sharing your unfortunate circumstances to help those of us who can still find another company to deal with, once again, THANK YOU KINDLY! Please know that you are getting back at Home Eq by informing others who will not use their services. As for the employee responses, all I can say is WOW! Amy, you should be ashamed of yourself by the way you responded to your company's clients. Instead of trying to put them down maybe you should try and, oh I don't know, HELP THEM by explaining what is going on and doing it in a professional manner. Instead you insult them and blame them for your company's practices. Could it be that sooo many people are going through the same thing with Home Eq but its everyone else's fault and NOT Home Eq, I doubt it. Also, half of your rebuttal is filled with mispelled words which makes trying to read the insults so frustrating but I guess thats the caliber of "professionalism" exhibited by Home Eq and it's employees. Once again, I want to thank those who shared their stories but most of all I would like to thank Amy for showing what I would've been dealing with had I used Home Eq, thank you Amy. I hope one of your managers see this and understand that because of YOU I will not be doing business with your company and have effectively advised three friends/ family members not to go with your company. Have a great day.

I love the way the disdain shows through from the "employees" of homeq that claim they value customer service. They need to remember not all customers in trouble are in trouble because they do not want to pay their bills. Sometimes hardships happen. and hard choices need to be made. My first choice is to pay my bills, but when you are self-employed and the people that owe you money decide they don't want to a slippery slope starts. It doesn't help when you are treated like someone trying to get away with something. Then it also doesn't help when you don't trust the company. Several years ago I used to mail my payments in, the company I worked for paid us on the 6th, when they paid us, so I would mail my check priority as soon as I got my check. yet I was always late, it didn't make sense, until delivery confirmation came around, I soon learned that my payment was put in their box on the 8th, but it wasn;t recorded until the 12th making me late everytime, once I had documentation in hand I threw a fit and got the late charges reversed (which also made me suspecious at how quickly they did it when I had their hand caught in the cookie jar) from what I can tell the company has a disdain for their customers and will do everything they can get away with to increase their revenue stream.

i have read your complaint about my employer and all of your problems come down to simple ignorance. homeq doesn't make loans nor buy them. we service them according to the terms of the loan documents that you signed. if you make an incomplete payment it will not be posted to your account. if you are behind on your payments and you start making them again without fully cathcing up, you are still behind & your credit bureau will reflect that. your account can fall into forclusure if you let your breach expire and there can be fees and attorney costs. you can't tell me with a strait face that you made a check that bounced and it's our company's fault that you didn't know about it for months. 1. if you cared you would have checked on it 2. your bank would have notified you. lazy is all you are & looking for a free ride. preditory lending is right but the preditor is your loan broker not the servicer. maybee next time you will read a document before you sign it! you can file all the lawsuites that you want but we will prove that we are right every time. we are not affraid of you. the truth hurts we all know that but trying to blame your own problems on others will never work. especially the thing about the back taxes. that would have never happened if you would have paid them yourself, like you were supposed to. once we force place escrow & add them to your monthly payment & you try and pay off the loan before they are paid in full, then yes, they will be included in your payoff quote. come on people, do you really think that we don't document everything. our backs are covered!!!! and refinancing or selling your home and getting a new loan won't necessarily get you away from us. we service subprime paper which means we will probably end up getting your new loan again anyways =) the best thing you can do is go to work and pay your bill on time!!! figure out your priorities as well. buying other things that you know you cant afford along with you mortgage payment and keeping them current but crying to us aout how you can't make your mortgage payment won't work either. Unless you would like to live in your cell phone/hummer/satelite dish! whatever, believe what you want, but who is more credible, homeq who is renowned for our high quality of customer service or a disgruntled homeowner that has no one to blame for his problems but himself. we truly do value our customers and if you have common sense then you will see that all of these people could have avoided these situations if they would have just taken responsibilty for their own actions.

NOT TO BREAK ANYONE'S BUBBLE OR ANYTHING BUT YOU CAN REFINANCE ALL YOU WANT BUT WE CAN STILL GET YOUR LOAN AGAIN IF ANOTHER COMPANY SELLS YOUR LOAN TO US. IF ANOTHER COMPANY DOESN'T WANT YOUR LOAN DUE TO YOUR CREDIT SCORE AND/OR YOUR PAYMENT PATTERNS THEY WILL PROBABLY SELL IT TO US SINCE WE ARE THE #1 MORTGAGE SERVICER FOR SUBPRIME LOANS IN THE COUNTRY.

Hi, I have been going thru it with this company for my mom. When I asked them what address to send payment to after my father died in dec.2004 they gave me 5 different addresses in 5 different states. They owe only 7 more years on their home and this company has tried forcing them into foreclosure so many times, after my father died the only thing my mom could do is file bankruptcy chapter 13 to save her home. They returned over 8000.00 in money orders that were sent in for payments so they could force us into foreclosure. If they would've kept these they would've not been behind at all. I send payments western union because as far as I know that is the only sure way I can make sure they don't come up with other crap of why they didn't receive it. If you ask them what these attorney fees are and why an attorney was used, they probably will not know what to tell you. THey add these bogus fees that they cannot explain. predatory lending is what these people do and it is illegal, but we all need to find an attorney that will take a class action law suit

Hi, I have never used Western Union, I'm not sure how that works. Maybe you could just send it certified, return receipt at the Post Office. It is only 3 dollars or so.

take your complaint to the federal trade commission.your problem with homeq is almost like mine. call them, they have to have several complaints before they can do anything.If everyone did this that have a problem with this corrupt company we can get them shut down and out of business for illegal business practice.

Please please whatever you do, make sure they are escrowing your taxes. We too have had "unexpected fees" unknown to us. They were charging us for foreclosure fees & my property was never foreclosed. They never escrowed our taxes & waited until they were 2 years delinquent & upped my mortgage payment. we have been with them for 7 years now. Our original pmt was 649.00----now its up to 1249.00!!!!! I am making settlement to sell my house in October this year & can't wait until I pay these shisters off. Now when I asked for a pay off they are showing that I still owe $9,000 in back taxes!!!!! Where did all my payments go for the last 7 years?????? Also, we have had "payment arrangements" with them & now they are showing us as 2 TWO mortgage payments 30+ days late when we were on a payment plan. Now this IS effecting our credit report & may not be able to purchase another property. Get as far away from this company as you can!!!!!!! Find a re-financing co(A REPUTABLE ONE) who can maybe re-finance you & help to stop what problems you WILL have in the future with them. 29 more years??? Don't go thru it, get out while you can BEEN THERE TOO

I too am a HomEq customer, however I've never had a problem with them, THANK GOD! I did see your statement that you pay 8 bucks for western union!! Don't do that, just go on their website, and pay your mortgage, and then write down the confirmation number each time, that is what I do! I check it everyday on teir website, because it is my mortgage, and in the past 3 years I've never been late, so I don't want to start now. Hopefully none of this stuff I've heard will ever happen to me! I better go find some wood to knock on!! Good Luck!