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My mortgage was sold to ASC. My husband changed jobs and in the midst of this I requested paperwork for options on a loan modification and a repayment plan. This company sent back our payments and stated that they could not take our payments because we were working on a loan modification. They filed foreclosure and never sent any documents stating that we were denied for any assistance. They foreclosed and I am waiting on the response from the Govenor on this situation. We put a lot of money down on our home. We moved out of the home and we are now leasing paying 500 dollars more than our house note. If they would have granted the loan modification, we could have kept our home. These people are dirty. We even had a buyer to purchase through a quick sale and they refused to work with the new buyers realtor. I feel that this company needs to pay big time and be shut down for the wrongful business deals.
Thiefs, bogus company they need to be SHUT down! All the comments previously noted I have had problems, we need to get together and file a class action suit!
Get a hold of me this mortgage is ripping me off. They sent a guy out to take pictures of my house illegally. I will be willing to go into a lawsuit against them.
Please contact me if anyone has any info regarding a class action law suit against ASC. I am more than willing to participate.
ASC should be investigated for FRAUD. They wasn't willing to work with us, they lied, horrible people to talk to. If you was lucky to talk to any one. They never returned phone calls, lost paper work, or said they never recieved it, when we sent it 5 times or more each time. We lost our home of 26 years to them. It started with AAMES, we refianced, was never late with a payment. Because of what aames did, we was sold to ASC, they took our home away. It didnt matter what we sent or said. They didnt care, as they just took our home away from us. We need to all get together and get a law suit against ASC. plus what AAMES did to us is illegal. I have paper work to back up my claim on AAMES and ASC. I have sent my packages to Department of Corporations, realestate, and DOC.
I totally agree. My daughter had the same thing happen to her. She was NOT told she was denied for loan modification.
Letters should be written to the State and ALSO to the Better Business Burea.
I too believe this will turn into a Class lawsuit.
Everyone, please write to the BBB and to the State and complain.
This exact same thing is currently happening to me. I could not refit, I could not shot sell, the house had lost more than the $100K I put down and now my credit has taken a hit regardless that I have landed a job that pays over $200K. Just too bad for me. I have hired a lawyer and will take this all the way. It's just not fair. I also agree, they don't care and I have reached the point that if and when they do foreclose they will lose as well.
The same thing as every one else is happening to us. Please let me know if there is some thing we can do with this ripoff group.
The same thing is happening to my husabnd and I, we are still waiting on the paperwork for the loan modification program since november 07 it is now almost feb 08 and nothing. I havent heard anything from them as of yet.
Yes me too. I just got a call from an attorney of ASC asking if I intend to pay up. Glad to hear your comments as I've not been told the status of my loan modification request and the attny said I was in default on my way to foreclosure. Then she said well if you are asking for a loan modification then you are doing the right steps. Don't do anything more so there she is setting me up!
Yes we need a class action lawsuit but how do we get that started?
To contact the bloodsuckers:
ASC Website is:
https://ascccn.fnfismd.com/asc/ccn/ccnsecurity.asp
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America’s Servicing Company
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Des Moines, IA [protected]
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America’s Servicing Company
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America’s Servicing Company
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I am in the same delema. Just called Ct attny generals office, if he recives enough complaints his office will start a lawsuit! im writing his office now.It is not a class action lawsuit but if you look up Bank of america lawsuit in Springfield ILL youll understand the need for your letters to your State Atnny General. Good luck & Godspeed
They are doing thhe same thing to us. Excepet we made all the payments we were suppose to after making the paymentes we called and they told us not to make a payment for 2 months. After the 2 months we called back and they said our house is to be sold on feb 2nd and we owe 5000+
Our family is in the same situation. We have been trying to do a loan modification because of both my husband and myself had lost our jobs. My husband has been able to get another job but for about 1/3 less from what he made. I have not been able to get another job as of yet. We have faxed all of the paperwork to them over 5 times. They assured us that our home would be taken off the forclosure list, but as to this day things have not changed. What they did send us was a coupon that said if we pay $6, 000. up front they would take our home off of their list and then our mortgage payment would be an additional $300.00 more than what our initial mortgage is. This is frustrating. What was the point of a loan modification if you are going to incure an exorbant amount more than previous? It doesn't make sense. I have been looking on the internet and there are hundreds of complaints against this one company. Someone needs to put these people out of business and help those they have hurt. I hope someone can step in for us before it is to late. Our family is pretty scared, frustrated and a bit angry. It hurts alot. It's not right that with so many people who are hurting that some company comes in and wants to hurt them more. Everyone who has anything to do with this company needs to start calling the right people to start a class action suit against this company.
Good luck getting CT attorney General Blumenthal to care...I sent him a letter and he just sent me somewhere else.
-We lost our house to them...the mortgage was fraudulent - they changed my husband's income drastically so it looked like we made alot more than we did (tripled it). I went into INtensive care and suddenly we had to close the loan immediately for about 1400 more per month than I had agreed to (husband didn't know and who would have thought they'd have changed the figures!). No recission paperwork and the packet with the new payment was sent to us Fed Ex 3 weeks later! Went to an attorney who said there was nothing we could do - turns out he didn't know what he was talking about and then he took off for 3 months to pursue his dream and never even showed up in court for us and we didn't know!
- American Servicing Company does not and I repeat does not want to work with anyone. I owned a large mortgage company for 15 years . I had a pretty fixed prime rate on a home that I purchased with a large downpayment - my income was documented. Until last July 2008, I ran out of money. Instead of firing all of my employees or getting a governement bailout - I used my personal savings and credit to keep my business open. I have not had a paycheck for 1 and half. Yes we downsized. I put my home on the market in March 2008 and no buyers. Even if I could have sold it - would have had to come to the table with 87k - forget about the 100k in upgrades I did to my home. For the record, most of us could afford the home at the time we purchased them. Now with job losses or business failures, cost of living going up, health care skyrocketing - and let's forget about divorces - people are losing their homes. I called American Servicing and started the nightmare of a loan modification in August 2008. I was told in order to qualify - I could not have my home on the market. Not that anyone could get finaning for it- I faxed my documents -- to American Serving 29 times. The Hurricane Ike hit Houston - we were without power for 2 weeks - not complaining - natural diasters happen - no, we did not any help from Fema - had insurnace but guess what my ded. was 10k - nothing was covered - job loss, food and minor damage to the home - remember I had already - thankfully - cashed in my stocks, bonds and savings 2007 when the market was up) to help my once very profitable mortgage survive. We were told that there was a moratorum on mortgage payments for 3 months - The payments would be waived till Dec 15th 2008. On Dec 3rd a Letter arrived at my home stating that I was ineligible for a loan modification - I asked them for a worksheet of how they calcatulated this or what the plan was - I was given a line the investor runs the program several ways - Basically they spoke to me in circles. On Dec 18th I got notice that my home was set for foreclosure on Feb 3rd. 2009 I contacted - CCCS - that was joke, I called Hope Now - not eligible for that program live in Texas - and told to reapply for a modification- which I did. Now I bore with all the inconsistent letters that were sent to me throughout this living nightmare - All of my coorespondance were by certified letter, fax and I taped all conversations. I even had one lady tell me that she would not have been behind on her mortgae payments. I requested a breakdown - which is the law to disclosure how they calculated my new principal balance. - 3 certified letters went out. I got another letter stating that once again I was inelgibile for the modifications - still trying to figure to this day - why the 3 month Hurricane payments were still tacked on - no explanation. Sent more certified letters and verbal requests - i was told those certified letters just probabbly go into junk mail. Well, I contacted them on Jan. 30th (friday) both the trustee and American Service Company who has totally ignored all my written requests from validtion, produce the note etc- Oh yeah I sent all letters to the 3 or 4 addresses they would give me. I packed my house up over the weekend all 4333 sqft - and moved - On that Monday - i contacted them and told them - they won - I lost and I moved out - Well, american company told me - Oh we postponed the foreclosure for 30 days. I asked what am to do now. What's the plan - explain fees, should I move in, why was I declined for my modication - what figures are you using - Keep in mine -i don't set my clock in morning - 8:00 they always call everyday. Well my sister went to my home to check on it that Sat - There was a man in my home - changing my locks - Now they did notify me of anything of the sort - i realize in my mortgage deed they can go in if the house is abandoned etc - but this was not the case. That Friday before the breaking and entering by the mortgage company, we were going over my problem - from the begginning - I always had to start from the beginning because I felt I was speaking to an alien or my the doorknob or just banging my head on the cement curb. No mention of entering my home and changing my locks. -I did win one small battle - I spoke to one lady after all of this had happen - begging them to return the keys to my home - they were in a little concerned about that screw up - - I asked the one human who I spoke there at American Servicing Company - what would you have done if you were told you were going into foreclosure on a Tuesday and had small children - Would you not have moved out - She said Yes.. it's just their policy at wells Fargo or whoever owns my note - to torture you and wait till the day before foreclosure - so if they foreclosure on you - most people get stuck and leave their possessions behind for the mortgage company to seize - the sherriff - throws them out in 48 hours so their trapped. What a little game. My current status - I live with my parents, my stuff is in a storage unit, I just got my keys back for my house on March 31st - I discussed with them, that we could do a deed lieu of foreclosure but once again I was not eligible because my house had not been on the market for the last 90 days. I tried to tell the lady that I took it off the market to get a modification and try to sell it when the market came back - - So on May 5th - and I praying they make my day and foreclose - My neighbors are upset about the grass - I am going to sue them. They have violated every law in the book - Everyone has problems in their lives - . These people are not wanting a hand out, they are simply asking for help. It would make more sense if people stayed in their homes and made payments - The banks do not want to work with anyone. They have already gotten the money from the government - If they sell the house for $1, they made profit. We should have never given them any money. there is no motivation to work with anyone. yes there were loans that were given out that people should not have gotten. The media has exagerated the sub prime market. I worked with Doctors to Sheriffs who had gone through a bad time - health reasons - divorce or job loss - oh yeah they don't lay off by your credit score - We found that people who had problems in past were so grateful to get second chance - they paid on time - In fact, they could no have got any other credit like these people who lived on the credit cards with 700 plus credit scores -(their time is coming) they had one payment to worry about the mortgage - yes the rate was higher - 9% to 16% when I started - but what is rent - 100% interest. We are headed to bigger problems - people 's retirement were their homes - now that's gone. So I'm sick of all of these people complaining like Americandad -who they are so above everything - God help you if anything ever happens to you - anyone who wants find attorney or know one please - email me pelethedog69@yahoo.com
My husband and I are having a horrible time getting the Modification for our loan. We were approved for a modification then all of the sudden I try to make my lower payment and they would not accept it this was on August 18th. On August 25th I received a letter stating that I had been declined due to my husband’s signatures not matching. I called and proved it was his signature because he had it notarized. Then once that wasn’t the issue ASC came up with the excuse that the notary did not date it. It did have the date and our notary requested a notary affidavit which never came back. ( My husband faxed it to every fax number he could get his hands on 50 times at each fax). Now they told me yesterday that they are so sorry but there has been too much time that has went through since the modification process started in June which I made good faith payments and was not late at all. Now they say we have to start over and my interest rate will be much higher and they are not sure if I will be approved again and they are truly sorry that this has happened but there is nothing they can do. I have been disconnected, transferred, and simply hung up on numerous times and I can't believe this is an actual company. My loan was also sold to these people. I had never had a credit issue with my home and now I have major issues. Since the modification did not go through, I now owe high interest rate payments and owe late fees and all kinds of other charges because of them messing up. To this day we have NOT received a call even though I have requested it so many times. I call them every week about 2 to 3 times. I have NEVER spoken to the same person and I NEVER get the same answers. These people are crazy and yes, I believe they want to for-close on my home also. Bless everyone that has these problems.
MY HUSBAND AND I CERTAINTLY CAN RELATE TO ALL BEING SAID, HOWEVER THE ONLY WAY TO WIN IS FOR ALL OF THOSE INVOLVED TO STAND IN AGREEMENT WITH EACH OTHER ACORDING TO GODS WORD MATTHEW 18 AND 19 TROUCH AND AGREE WITH GOD, JESUS AND EACH OTHER AS WE WILL WIN SIMPLY BECAUSE WE CAN NOT SHALL NOT LOOSE AND WILL NOT LOOSE WITH THE GODLY STUFF WE USE WE NEED TO PRAY GIVE, TO THE LORD ALL THE CREDIT, HONOR AND GLORY AS WE CONTINE TO KEEP IT ALL HOLY. WE NEED TO GO ABOUT OUR FATHERS WHO ART IN HEAVENS BUSINESS STAY OUTOF HIS BUSINESS AND KEEP THE DEVIL OUT OR OUR BUSINESS;WE NEED FAST AS WELL AS PRAY AS SOMETHINGS ONLY COME BY FASTING. WE NEED TO ASK, SEEK AND KNOCK.WE NEED TO PUT OURSELVES EVERYTHING AND EVERYBODY INTO GODS HANDS LEAVE ALL AND WAIT PATIENTTLY FOR HIM TO REACT. WE NEED TO TRUST AND BELEVE IN THE MAN WHO SEE HEAR AND KNOW ALL. WE NEED TO SEND THE DEVIL PACKING SO WE WILL NOT GO LACKING.WE .WE NEED ONE ARE EXEMPT TO CALL ON MORTGAGE JESUS, REAL ESTATE JESUS, JUDGE JESUS.IN SHORT AS OUR ALL AND ALL AND OUR EVERYTHING . GOD IS STILL IN CONROL AND ARE IN CHARGE. VENEGANES IS MINE SAYS THE LORD. WE NEED TO STAND STILL SAT BACK RELAX AND WATCH THE LORD WORK AND EVEN THOUGH A HOME IS A METERIAL THING GOD WORD NEVER COMES BACK VOID AND WE NEED TO PUT THIS AWESOME MAN FIRST AS HE WILLFIX ALL WITH A JOB WELL DONE BECAUSE HE IS GODS ONLY BEGOTTEN SON.DONOT LEAN ON.COUNTON OR DEPEND ON MAN.WE ALL MUST REAP JUST WHAT WE SOW BEFORE WE GO TO RETURN NO MORE AS NO ONE ARE EXEMPT. THIS UNGODLY MESS IS TURNING IN TO A GODLY JOLLY BLESS . WE NEED TO KEEP OUR EYES AND MIND ON JESUS THE CHRIST WHO SHOULD COME FIRST IN OUR LIFE. FOR BREAKFAST LUNCH, DINNER AND SNACK JUST TASTE TO SEE JUST HOW VERY GOOD CHEF JESUS IS. THANKS