TB in Pennsylvania said: “I’ve been contributing to your site for some time now. Briefly… we’ve been trying to work with Saxon Mortgage for some time now. October will be a year.
We tried to modify 5 times with no luck.
Applied for hamp and were denied then approved. We completed the papers in June. Trial period was july august and September.
We’ve completed our end. All payments on time, yet we have been told we’ll still need to wait. “we have yet to be assigned an underwriter”. The HAMP modification cannot be completed until we have an underwriter. We were advised to continue to make the normal monthly payments and they will notify us as soon as we move to the next step.
They waited until the day before the sale to notify the court house. Instead of canceling our sale.. they are just postponing it until next month. The trial paperwork was never sent back to us after it was sent and we are now in limbo.
Technically – we’re scheduled to be sold OCT 9th, unless they call the court house again.
I have sworn that if my home gets sold during the HAMP trial period that actually lasts longer than 3 months.. I will sue. We’re stuck under their thumb. With the last year as bad as it was.. who would ever refinance us? We’re victims from the moment we signed the papers and will continue to remain bullied and looked down on regardless of what we do.
I can only hope the gov. steps in and holds them accountable for their actions including the so called HAMP modifications they have yet to complete. They insist on extending the trial in order to not have to dismiss too much in charges. Trial paperwork states you’re account will be considered current once the trial period is over. So, they’ll delay as long as necessary to make their books square.
If I were to do this type of business the government would have had me shut down in months. Certainly not be giving me praise and funds to continue doing what I was doing wrong.
Note: keep complaining to the BBB, their ratings are going back up .. they are now at a D-. They don’t deserve anything less than an F.”