I have been calling and calling Saxon... still no response

I would be leery about that. I was always told when you think you are going to be late to contact your lender. Our loan was sold to Saxon in Nov 2007. In Dec we knew we were going to be late so we called to work it out that our loan payments could be lowered. We started the loan resolution program with them. We were told that it would take 5 business days to not call that the woman named Amanda would get back with us. We waited nothing. We started calling daily and still nothing. Every day we could not get a hold of her. We would call every hour on the hour still nothing. Finally we asked to speak to a supervisor and they were so rude and nasty. At that point we were now going on 2 months late. Finally on March 19th I spoke with this Amanda lady. We were told we did not qualify that we were 1200 debt ratio in the negative and that now our loan was in pre-foreclosure and that we now had to come up with 4 months going on 5 months of mortgage. I told her we had filed our taxes and will be getting back a large portion could she extend that time and we could work something out? She gave us 45 days. The very next day it went into foreclosure and that weekend we were served with foreclosure papers. I was in complete shock. I called crying and the woman Rose with the Foreclosure department said ok. Here is what we are going to do. When your check comes in next week how much is it for? I told her 6 grand. She said Western Union that money in call with a confirmation number and we can work out the difference. The money came in before we sent it I called to verify if that was the right thing and that i wanted some sort of proof sent to me that they would stop all foreclosure proceedings. The woman was so rude. She had proceeded to spell out Foreclosure to me. And said are you kidding me. You now owe 8 grand do you think that if you send in 6 that makes it ok? I could not believe how this woman was talking to me. She went on to say that we should not have fallen behind in the first place and now we risk losing a 206 thousand dollar home over 8 thousand dollars????? I was speechless. Needless to say i gave her my piece of mind then hung up. We contacted the Ohio Department of Commerace and the Ohio Attorney Generals office and hopefully meeting with an Attorney on Wed. Please what ever you do DO NOT BELIEVE a word they say unless it is in writing. They will let time lapse and tell you they are working on it but really they are working on foreclosing on your home. We were told not to make our payments that all the late payments would be tied to the end of our loan or stretched out into even payments until we caught up. Now look what happened. What ever you do call and call and call even if you have to harass them like they do us to get some answers and always get things in writing. What they are doing is wrong and they show a solid pattern of doing this to other people such as you and I.

I am going throught the same thing since April. I sent in 179 pages to them and they where supposed to call me in 15 days. I only hear from them to ask for the payment. Everytime I ask them about my house and if they can lower my payments or anything for me at this time. They said they have not assigned it to anyone yet. I was told the last person I talked to they will call me on the 18th, that is when someone will have my paperwork. Now I call 23rd, and aks about it again and they said no one has been assigned to it yet. And if we sent the missing papers to them. I said I did not knwo what was missing. I have sent in 179 pages and they where in their.I said to the girl well when where you all going to call me and tell me they where missing. She sid on they do not call you to tell you that.I said is there anyone I can talk to? She said no there is not. The one lady I talked to about a month ago told me that when you are late for 4 months then it goes into Pre-Forclosure. She was really helpful and nicest person I have talked to. So now I again have to fax all the info again. I am sure I will probably have a letter at the last minute sent to me also one of these days. I guess I will just sit here and enjoy this house while I still have it. I have not read anything good about these people at all. So I guess I will just think of the worst to happen. And start packing. They can not sell this house for anything because I owe more then it is worth at this time. So good luck to them. I think I will win at the end. Atleast I must think like that so I do not upset myself over people like this.

BEYOND THE COPLAINTS MENTIONED, SEVERAL MORE COME TO MIND:
OCWEN OPPERATIONS, LOCATED IN INDIA - UNLESS GETS THE LINE - IT IS A WASTE (OR INTENNTIOAL BUFFER)OCWEN DID LOWERE RATES TO 6% --DID NOT LOWER COMODE!ocwen, at least lenghten terms--both on 2.5 ssi payments. home in fam.106yrs. you can do it

I am also dealing with Saxon Mortgage's wrath (was Novastar to start with). I have never been late on my loan in the 3.5 years I've owned my home. However, I'm on a Bi-Saver program where I get my mortgage payments drafted every two weeks. I signed up for this through Novastar so I could get my loan paid off early. Well, after Saxon took over--all hell broke loose. They didn't post my payments on-time or correctly. I was getting calls and home and work for $2600 in past due amounts that I did not owe. I was going into pre-foreclosure for money that I did not owe. Needless to say they are destroying my good credit and causing a train wreck. I plan on suing Saxon by the end of this month (I've had enough). I would also sign up for a class action suit. This company is VERY crooked!

We are going through the same thing with Saxon. We were approved for a modification in April. Had legal documents sent from their legal department with the new amount of the mortgage, the interest rate and when the first payment would be due. Well, we were not even behind on our mortgage until this process started. We paid our February payment which they held in a suspense account along with the deposit amount that they said was needed for the modification. We found out that our modification was denied due to our paperwork not being sent in time. This is a lie. The documents were due back on April 29th, 2009, I paid to have them overnighted by FEDEX to arrive on the April 27th. I've talked to so many different people that tell me so many different things until it has really upset me. I've called and asked for a supervisor but was hung up on. We received a certified letter stating we need to pay $5700 within 30 days or we will face foreclosure for something Saxon created. I have never seen a company such as this one. These people don't do anything but put customers in a situtation to take their homes. I would love to be in on any class action suit against them because they need to be stopped. This is a nightmare.By the way, I was told a few days ago that our modification is pending, again. I have really lost track of what's going on now. It's just too much!

I have gone through the same thing. Our loan modification started last November, 2008. They started foreclosure procedures in December 2008. I was told in February 2009, we had been approved. Our foreclosure was cancelled a week before the sale date. I sent in the proper documents along with with certified funds in the proper amount of time. I was notified a week later, there was an error in the wording (on their part) of the interest rates. They said they would have it corrected and documents sent to me within two weeks, which gave me enough time to return the documents with our first payment under the modification. It NEVER happened. After endless days of trying to get ahold of someone, they now tell me, I have to start over and go through the whole process again.

I was just served forclosure papers. I have also been working with Saxon on a loan modification program. My husband has been sick with cancer since 2007. I spent my savings to keep up with our payments, prior to any late payments I called Saxon for help as during his illness my interest rate jumped to 8.5%. I pleaded with Saxon to help me and modify my loan back to 6.5% to help me make my payments. They refused and told me there was no program for loans in good standing. The representitive stated that it would adversly affect my credit score if I was untimely. As if I had a choice of whether or not to pay it. Saxon would not speek to me to modify my loan until I was 90 day's in default. I have been in two modification programs, filled out the packages, provided all of the information requested. My paper work has been lost and misplacedon numerous occations . My payments have been lost and misposted. This is like a constant legal tourture. Shame on our Goverment for allowing a this to go on. All I want to do is stay in my house and re-negotiate my loan. I owe the money and I am wiling to pay it, but require some assistance. Good luck to all of you!