Saxon Mortgage modifications look like major scam and rip off

VB in Pennsylvania said: “I was one month behind on mortgage, with new Obama help for home owners, I applied for a modification on my current mortgage with Saxon. I followed thru with required trial payment program as part of the modification.

Saxon Mortgage Services took my payments of $1148.00 for the last three months, never applied them to my current mortgage, and I’m getting statements from them claiming I’m $7000 in the rears and they have now effected my credit standings making it look like I’m being foreclosed on, even got I never received a foreclosure notice.

Every time I call cant get a straight answer from anyone there, have no idea where my modification and or mortgage stands and where is all the money I sent them if it wasnt applied to my mortgage. Sounding more and more like a major scam and rip off.”