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PHH will not accept the partial payments
December 21, 2007
I was making partial payments ($401 per week) and PHH was not applying the payments the hold them and send them back 5-6 weeks later.
Comments
PHH hold my checks of full payments and then take me to foreclosure. pay all but $41.00 of my home owners payment, try to foreclose because i have no HO insurance. subtract 3 property tax payments, that they only pay one of and then charge me $1,200 +dollars escrow instead of fixing their incorrect paper work
PHH TRIES TO MAKE PROPERTY OWNERS THAT ARE NOT IN A FLOOD ZONE PURCHASE FLOOD INSURANCE, AND IF YOU DONT THEY INCREASE YOUR MORTGAGE EVEN THOUGH YOU HAVE DOCUMENTATION TO PROVE IT!!!
Mortgage company PHH.... my payment double because of a error in taxes assessment amount. I worked on getting my account corrected from Sept 2008 up until today March 2009. This has been very stressful for me most rep do not speak english. When I reach someone who would listen/understand he advisd me to request for my escrow to be reanalized. All information was faxed Jan 2009. My payment was corrected as of April 2009 in the mean time I had to make payment that was double my mortgage or I would have went in to forclosure.
PHH is foreclosing on my home. im just sick over it. they sent notice to the court the first day after payment was due to get my protection lifted. last year i had to pay and extra 500 a month on my mortgage to keep them happy. that went on for 6 mos.
im to the point... ive had enough of them. my bankruptcy attorney said if they foreclose, i walk away once it is lifted out of my bankruptcy. but from what ive been reading, these people really deface you on your credit to the point you may never recover.with as many houses in foreclosure do they really want one just sitting around waiting to be bought or what ever? why dont they work more with the people during all this. everyone is in financial distress......
im to the point... ive had enough of them. my bankruptcy attorney said if they foreclose, i walk away once it is lifted out of my bankruptcy. but from what ive been reading, these people really deface you on your credit to the point you may never recover.with as many houses in foreclosure do they really want one just sitting around waiting to be bought or what ever? why dont they work more with the people during all this. everyone is in financial distress......
PHH just lost a major law suit in NY, where the judge ruled in the homeowners see NY Times 'If Lenders say"The Dog ate your Mortgage" 10/25/2009.
The fact is that in all probability your loan has been sliced and diced so many times into MBS, Mortgage Backed Securities, that they can not produce in a court of law the original loan document, which more and more judges are demanding as proof.
The lawyer that won this case is David B. Shaev out of NY, he has a web site which is worth looking at.
There are many more consumer advocate lawyers around the country that are winning cases for clients with this effort. It worth a look to hire a good one.
In the end it is a high probability the PHH does not even own your mortgage!Therefore they can not legally foreclose!
The fact is that in all probability your loan has been sliced and diced so many times into MBS, Mortgage Backed Securities, that they can not produce in a court of law the original loan document, which more and more judges are demanding as proof.
The lawyer that won this case is David B. Shaev out of NY, he has a web site which is worth looking at.
There are many more consumer advocate lawyers around the country that are winning cases for clients with this effort. It worth a look to hire a good one.
In the end it is a high probability the PHH does not even own your mortgage!Therefore they can not legally foreclose!
Well for the 5th year in a row PHH held my August payment, cashed my september sat on my October payment, sent a foreclosure to my lawyer and then chashed my checks one at a time after the letter was sent out and my lawyer is rediculas saying it all comes out in the end when I don't have the money to start with. Even the lawyers are not intouch with what the economy is doing to us all......