Countrywide Financial Michigan Home Loans Sucks

COUNTRYWIDE HOME LOAN SUCKS!
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Countrywide Financial - Michigan Home Loans - Equity Loan Mortgages SUCKS!

Michigan Home Loans? Sub-prime (bad credit), Need money, Mortgage Refinance, Or Want A Home Equity Loan Michigan and dont want to get ripped off or have hiden fees on your Home Loans?

Need A Home Loan MI, Refinance, Purchase, Or Make Home Improvements. Mortgage Rates Have Reached A All-Time Low Make Sure You Pick A Broker That Will find the right Home Equity loan at the best rate for you. We recommend that you conduct your own due diligence on mortgage brokers to find the one that is best for you. This site is a forum for users and should not be your only source of information about Countrywide Home Loan prior to choosing a lender.

This is what home loan customers in Michigan (MI) have been saying...

Michigan Home Loans Sponsored By US Home Loan
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Date: Wed 12/13/06 4:21PM
From: Carol

Message: My husband recently lost his job and we got behind in our payments to Countrywide. We were referred to the workout department and have had a terrible time trying to get caught up on our payments. They increased our $700.00 payment to $1250.00 trying to "help" us. When I asked for a modification recently, we were asked to come up with an additional $2,000 to be held in an account, not to be paid on our mortgage principal. All of this made us a little nervous especially after reading all the negative press on this website. I am still trying to get our payment lowered but am having little or no success. Too bad Rock Financial pushes Countrywide home loans in their advertising. They are a bunch of inefficient non-caring people. If they end up foreclosing on properties I hope they take a huge loss (they will in Michigan) with our economy but it serves them right not wanting to help people during difficult times.
Date
Left: August 19, 2006 By: Truth Commission In:

We're happy for you Brian Shaw.

"Countrywide has provided me with the highest level of service I ever received in my life."--Probably true. Countrywide must still have a few or so happy customers left. How many other lenders have you delt with in your life?

"I am confident that Countrywide will always be the best at what they do"-- I wouldn't be so confident. I have noticed they are falling seriously behind on their technology. And next time you call Customer Service, or soon or later, you'll probably be talking to some twerp in India. Good luck Brian.


Left: August 17, 2006 By: Brian Shaw In: N/A

Countrywide has provided me with the highest level of service I ever received in my life. I am confident that Countrywide will always be the best at what they do!!!


Left: August 09, 2006 By: Upset in Northern Michigan In: Big Rapids, MI

Countrywide sucks!!!! They are rude, impersonal, unprofessional and I didn't even choose them as my mortgage holder. Our previous mortgage company (who we were very happy with) sold our mortgage to Countrywide. It was a nightmare right from the beginning. To this day, we do not receive monthly billing/invoice for our home loan. Call after call, email after email and letter after letter has fallen on deaf ears. This is the WORST company I've EVER dealt with!!! Stay away from Countrywide or you WILL be sorry.


Left: August 03, 2006 By: David Miller In: South Haven

All of the stories here are incredibly discouraging especially considering my situation. I have just begun dealing with Countrywide and I didn't even want to!! I am a victim of identity theft and two loans were opened with Countrywide in my name.Since discovering these accounts on my credit report, I have been in constant battle with Countrywide for the past 5 months.Even though I have provided them with all requested information including credit reports, police reports, proof of identity and residency, and an identity theft affidavit, Countrywide has yet to even acknowledge receipt of information from me in their correspondence let alone get the negative information removed from my credit file.Shame on them!Won't that look shitty in a court of law since I have dated delivery confirmation cards proving that they received both of the 24 page packages I sent them full of documentation proving my case.My advise to anyone looking to obtain a loan with this company - pay the higher interest rate somewhere else if need be but doing business with Countrywide will get you in debt up to your eyeballs forever - and it doesn't even have to be yours.


Left: July 27, 2006 By: NotHappyInMichigan In:

CountryWide Has Lied to Me and committed fraud among other things. I'm on the 3 month plain starting Monday I go 30days late. They'll be getting a payment from me once every 3 months Screw these low- lives. Every one should get on the 3 month program and stick it to these who wronged us. Michigan Law Says we got 3 months so I'm getting caught up on all my bills that I pay an enormous amount of past fees on each month and the money I save after 3 months will go in the bank. CountryWide will get 3 months worth of payments and thatís it, all that is required to keep my house. I look at it like paying $1500 rent. Can they stop me from doing this? The law says they can't. Anyone with experience of what they try to do to you post it here so we can all learn their tactics.

There I said it



Left: July 19, 2006 By: In:

why not contact bridgegirl@yahoo.com? she has been helpful to others and to me and only the company would not want anyone to get together and compare notes....ask countryfried chick and look at the posts of bridgegirl24@yahoo.com.







you can also go to the CFC stock message board and see her posts, as I know it, she was sexually harassed and crushed by CFC for complaining about it and other issues. she has fist hand knowledge, knowledge of others violated and overall helped me and many others, so anyone who claims she isn't is a Countrwydie employee sent here...nice try. post on this board if you do not want to email, but I will always help those whop ask for it and are clear about who they are and what they are trying to accomplish, you are not alone!!! brigegirl24!!! bridgegirl24@yahoo.com



Left: July 17, 2006 By: Ripped off In: Michigan

Where do I begin about Countrywide? In 2004 due to a job loss, I fell a payment behind, which was with interest/late fees,etc, about 1100. They told me to "wait" they wanted to "work" with me and had me fill out paperwork to see if I would qualify for some "plan", which I did not, and by this time, of course, I was even more late, and had to be placed on a "repayment plan" or come up with ALL of the past due payments. The jist of the plan was to repay all of the past due payments, then simply "roll" the remaining into the back end of my loan, provided that I had to come up with $1700 to start this wonderful lifesaving deal or I would lose my home.
Well folks, it is now 2006, I am 6 payments behind, because I was told AFTER I completed my plan which I made every payment on time, and by the way, they DOUBLED my payments which they didn't care that I couldn't barely afford to feed my kids, they said, I am sorry, we do not offer that "roll your balance into the end of your loan plan anymore"...you either come up with the balance due, or we foreclose....So, I am now on my 7th repay plan, with once again my payments doubled, 6 payments behind that will never be caught up, my credit ruined to the point that I cannot get refinanced to get rid of these assholes, and they are making out like bandits, all over $1100, that has cost me 25,000 and I am still delinquent. My family thanks you Countrywide, and as you tell me every month, at least I still get to keep my home. Priceless.


Left: July 16, 2006 By: Truth Commission In:

Re: Mr "DON'T DO IT"

Please explain why nobody should contact Bridgegirl24. Thank you


Left: July 15, 2006 By: In:

I am on record that I don't think much of this mortgage company and, consequently, I should therefore not care about their employees, past or present, but since I am an honorable person I thought I would warn anyone thinking of contacting this person for help/or advice (bridegirl24@yahoo.com.) DON'T DO IT!!



Left: July 12, 2006 By: In:

if you were a past employee or current one who was wronged by this company please email me for help and to share and join together... bridgegirl24@yahoo.com


Left: July 08, 2006 By: In:

Everyone go to the press and tell your story, write them, write the editors and call the radio shows. It is the only way to get it out. Let the world know what scum this criminal company is. Give me one person who has complained and had the company thank them and admit they found something....damn scum, GO TO THE PRESS!!! The lawyers their are scum, Iam an ex-employee and speak from truth, numerous employees crushed when they have complained of stuff, numerous customers crushed when they complained, dared to sue, go get lawyers etc..don't call the press, write them and tell them the scum at cwide and their actions, its the only way.


Left: June 20, 2006 By: Truth Commission In: USA

THIS IS IN RESPONSE TO "JOE D" and his worthless post on June 11, THIS IS FOR ALL PRO-CW AND ANTI-CW READERS.

You don't seem to get it.

For many years Countrywide HAS BEEN #1 in customer service. But guess what? Countrywide is soon to be a HAS BEEN.

I know all this because I had just recently quit Countrywide to work for another mortgage company.

Countrywide didn't use move operations over to India, BUT NOW they do! That will be bad for customer service.

COUNTYWIDE IS NOW TOO CHEAP TO KEEP UP ON ITS COMPUTERS AND COMPUTER SYSTEMS. When I worked there, computers froze up at least 5 times a day, and application information was always getting erased.

That is why the number of customers complaining about missing payments has been increasing in the last few years.

That is why it is now taking Countrywide 30 to 40 days to close a loan. Also because Countrywide now has a lot of untrained, inefficient, and disorganized underwriters and processors. (Countrywide may now also be too cheap to hire an adequate staff)

That is also why payoffs and other items are now coming out wrong.

Also Countrywide requires just about all of its loan originations to use LANDSAFE appraisal, a company owned by Countrywide itself. Their appraisals are extremely conservative, and 9 out of 10 of mine and other A/Eís came in OVER $10K less than comps. Even if the home was in good condition. This forces the A/E to restructure the loan a higher rate, less cashout, fewer bills paid, or a some combination of the factors. Their appraisals set the road for disguised predatory lending, and bait and switch.

Wake up Joe D! Have you ever studied the life cycle of an organization? Check it out. It comes in four stages: Introduction, growth, maturity, and decline. Right now, Countrywide is slowing down in the growth stage about to hit maturity. The only thing holding right now is the brand name its built from its past. And if Countrywide continues with its path, it will not be long until it is in its decline stage.

ENRON WAS ONCE A FORTUNE 500 COMPANY. Countrywide is riding in the same path.

Also Countrywide was recently sued in California from its conduct as an employer, and apparently it never learned from the lawsuit. Another lawsuit will happen.

Joe D. you are not in the position to call the people here "Jerk Offs". Especially if you're another goon in Countrywide's management. Because only someone in CW management would stick up for Countrywide the way you just did.

Not to meantion Joe, you posted your same pathetic post on all 50 state pages here, claiming to be from different local cities.

And to the Pro-CW idiot who keeps taking up the excessive space in the forum with blank lines. GET A LIFE LOOSER.

You will not keep others from reading the previous posts.



Left: June 13, 2006 By: In:

Chl = Enron


Left: June 11, 2006 By: In:





Left: June 11, 2006 By: Joe D In: Detroit

Hey jerkoffs..CW ia a member of the S&P 500, Fortune 500, and #1 in customer satisfaction..this website's sole purpose is to drive business to US-Home Loans.com...get a life you stupid a**holes...



Left: May 30, 2006 By: In:

phuck kuntrywide


Left: May 26, 2006 By: formerchlchick In: somewhere in michigan

I worked at CHL for a long time and worked very hard for them, so hard in fact that I had to decide to leave as did quite a few other seasoned employees. We made a lot of money at CHL and did provid service to our customers but our customers were brokers not borrowers since we were wholesale. Even in wholesale, I heard from borrowers every day that needed help because customer service could not or would not help them. I tried and did after time help most of them but imagine if an employee cant get something done when its elevated to DEVPs, there is little chance of a borrower getting help. It was good while it lasted for me but it many of their branches are churn em burn em shops and employees are cattle. CHL is now number 1 as a wholesale lender but its because they are great with name recognition, growing but not very good at treating employees with respect or care and can be difficult to deal with for borrowers. Thats not to say its a terrible company overall, it simply depends on what you are looking for and what branch or division you work with. It isnt much different than any other business in the world, tp some it will be great, to others it wont. We all have different opinions and needs and while my time there was exhausting and took years away from me because of the stress and forced hours, there are many people still there that love the money and stability of the company. It truly depends on needs and where you are in your life. Borrowers, if you truly need help and have had problems, try to find someone that knows more about this business and get their advice. Dont sign papers unless you understand them and NEVER EVER assume that the person you are dealing with is supposed to take you under their wing and that they have your best interest at heart. This is the biggest debt you will ever take on, make sure you control the situation and are aware of what you are doing. If youwork there, I hope things at your office is better than it was at mine. I hope your DEVP and RVPs are more caring and realize family is first not CHL or their money. If you need a loan, CHL can be good too but there are many lenders out tehre that are good, they simply arent as big and bigger doesnt make you better but, in all fairness, it does make them a bigger target beuase they are bigger so will have more issues just based on percentages.Best thing to end with is control your own loan, youre an adult and MUST make the decision and live with what you decide or refi out of the loan if you hate them. If you need help seek it from a friend in the business and if you want to work there, find out about that branch and dont think what you hear is exxaggerated. Good luck to all.


Left: May 15, 2006 By: Tired of being Screwed In: Dearborn

I love your site!! I almost always pay my monthly bill by phone talking to a person and by passing the machine. I received my bill in March 2006 for April 2006 with two unfimiliar fee's due on it 1 for $75 and 1 for $60. When I asked what the fee's were for I was told that they would check after holding for 10 minutes I was informed that the $75 fee was because they came out to my house and check and see if I still lived here. Now I have lived in this house for 18 months and was sold to them by Greenpoint.
Well no one ever knocked on my door and asked me if I lived here. I refused to pay it and they finally agreed to take it off. So I asked what the $60 was for another 10 minute hold indicated that it was for a late charge for April's payment. now mind you it was March and I was making April's payment. ????? They told me it would take 2 weeks to get it removed. I went buck. imagine they removed it immediately. Wait theres more..... I paid December's payment 5 times with conformations numbers before they would finally except the payment. That was the last time I made an internet payment. that won't happen again. wait there's more... when transfered from Greenpoint to CW I was informed that I had no home owners insurance or flood insurance. Now mind you I had paid 1 year in advance at closing and had not lived in the home 4 months before they sold me off. It took 5 emails from my insurance come for 5 months and another 2 months before they got it figured out and credited by account by the money the owed me.
A friend who is a mortgage loan officer tells me that Greenpoint sells off a large number of there loan to CW so be careful who you refinance with.


Left: May 15, 2006 By: MAI EXPOSER In: MI

MANAGEMENT ADVISORS INT'L. MA
While you retain them to recruit for you they raid your branches then get paid to fill them


Left: May 02, 2006 By: Horance In: Redford

I have had Country Wide for over 7 years and they are the worst. It seems also when I refinance through Rock Financial they always sell my loan to them. After this I don't think I'll use Rock any longer because I'm soooo tired of Country Wide. What happens, if you pay on line you don't get a bill the next month and if you're busy like most are you will forget. They sent in a after 30 days into the Credit Breau and are taking there time to remove it as they said they would. If we do not stand up and let these companies know we are in control we will become puppets to the system. My Credit is excellent and Hell or high water they will remove it.


Left: April 27, 2006 By: MAI EXPOSER In: Novi

BEWARE OF MANAGEMENT ADVISORS INTERNATIONAL OR MAI.
Here's how there retainer's work.
1. you pay them to start the search.
2. 3 months down the line they come back and tell you they've exhausted your market and it's time to move on from the search.
3. you now have to pay them a closeout fee for them doing nothing.
4. if you hired a candidate outside of using their services, they will charge you the full fee because you was on retainer with them.
5. after you have paid them for doing nothing in one market, they will ask you for another retainer to start up a new market.
MAI is located in NC AND FL. Beware of who you do business with.


Left: April 18, 2006 By: RK In: Saint Clair Shores

Watch your bank accounts very closely if you let Countrywide deduct for a loan payment. Twice now they have overcharged my account 30 dollars. It takes me over a month to fight and dispute. I have gotten once charge returned to me but now I just noticed another one and I probably have to go through the whole process again. I wish I had control over who my home loan got sent to.


Left: April 15, 2006 By: In:

please visit your local bank or credit union. as a former employee of CHL, i know CHL's seconds are way, way, way out of the market. tyou will be doing yoruself a favor, and hopefully save $$$$$$ in interest which otherwise would go into the jawls of the HOGs at CHL. good luck.


Left: April 12, 2006 By: LINDA In: LIVONIA

I just called to increase my Home Equity balance and noticed you website while on hold. This is so ironic, I'm hold and got hung up on. Tried calling right back and got disconnected.

HORRIABLE CUSTOMER SERVICE


Left: April 11, 2006 By: In:

Enron ? S&L crisis ? CHL ? Hmmmmmmmmmmmmmm


Left: March 29, 2006 By: In:

The Wholesale Division of the Specialty Lending Group is a bunch of clowns.


Left: March 25, 2006 By: Dan B In: Dearborn

I had a loan with Country Wide for 2 years that had auto withdraw. All payments were made on the first with no issue. One year into having the loan I switched banks and gave CW my new info. No problems after that, nice and smooth. Then at the 2 year mark they sold my loan, no big deal, but they gave my old account info to the new lender. I assumed that all the current info would transfer. Well I went late with the first payment because of this and CW would not speak to me because they sold the note. It was there fault not giving HSBC the current account info that they were taking the payments out of.

Us as customers can not go to CW direct but they buy a huge amount of notes to service so we are screwed if we get sold.

My advice, go to a large bank if you have the credit or a credit union.

CW SUCKS


Left: March 16, 2006 By: Concerned Neighbor In: Grand Rapids MI

I live in Grand Rapids MI across from a home that I just found out, by doing some research, is owned by Countrywide Home Loans. It has been vacant and an eye sore for almost a year now. It is a two unit rental unit probably built the same time as mine 1880. Once the last tenents were evicted or moved out on their own, for sale signs were posted and rent signs in the windows with nothing done to it. I peeked in the windows and WHAT A MESS!! The for Sale and Rent signs are gone and the house remains vacant and kids like to loiter there. Now I find out it is owned by this company in CA!! I'm so disgusted with this I could SCREAM! 03/16/2006


Left: March 14, 2006 By: In:

BEWARE OF MANAGEMENT ADVISORS INTERNATIONAL OR MAI. THEY ARE A CUT THROAT RECRUITING FIRM OUT OF HICKORY AND CHARLOTTE, NC, AND FLORIDA. THEY RECRUIT YOUR EMPLOYEES OUT OF YOUR COMPANY THEN CALL YOU AND REQUEST THAT YOU PAY THEM A RETAINER TO FILL THE OPEN POSITION. A YEAR LATER AND THEY COME RIGHT BACK AND RECRUIT THAT SAME CANDIDATE THEY FILLED THE OPEN POSITION WITH. THEIR GAME IS GETTING RETAINERS. IF YOU RETAIN THEM THEN WALK AWAY FROM THE DEAL, YOU OWE THEM 75%. IF YOU RETAIN THEM BUT FILL THE POSITION WITH A CANDIDATE YOU FIND, YOU OWE THEM THE FULL FEE.


Left: March 09, 2006 By: Rich In: Washington

Countrywide is a bunch of crooks. Seven months after refinancing with their crappy company they decided they were going to require me to get flood insurance. According to them, there had been changes to the flood maps and I was in the flood plain. The Fema map hasn't changed since 1982. My previous mortgage company never required me to get this flood insurance. The reason for being in a flood plain, a 2ft stream about 400ft away from my house. Do not get a home loan from this company. Doing business with this Countrywide would be a horrible idea.


Left: February 21, 2006 By: In:

Martha Stewart has one of her custom jock straps up on ebay now. Happy bidding!


Left: February 16, 2006 By: Jim In: Rockwood

After my divorce I retained my home. All I wanted to do was to take my ex's name off of the loan. Countrywide had already pre-approved me over the phone so I figured I was all set. They wanted to charge me $1,100.00 just to remove her name. I think that is an unreasonable amount just for paperwork. I have been with them for about 6 years but not for long. Don't use countrywide for anything,go to a credit union. COUNTRYWIDE SUCKS!


Left: February 03, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN

Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. Thatís right, no application fee, no appraisal fee, no title fee, no underwriting fee, NO CLOSING COSTS.

NEVEVERMIND THAT ITíS A VARIABLE RATE ARM (Prime Rate+) LOAN.

NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY).

NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE.

No one can screw you like Countrywide can.


Left: February 03, 2006 By: jake In: cali

Improper Home Charges

Read then File a complaint

www.zimmreed.com




Left: January 29, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN

Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. Thatís right, no application fee, no appraisal fee, no title fee, no closing fee, NO CLOSING COSTS.

NEVEVERMIND THAT ITíS A VARIABLE RATE ARM (Prime Rate+) LOAN.

NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY).

NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE.

No one can screw you like Countrywide can.

GO GET A BETTER RATE & SERVICE AT YOUR LOCAL BANK OR CREDIT UNION.



Left: January 20, 2006 By: Valery Frosty In: Ellsworth

I DON'T EVEN HAVE A MORTGAGE WITH COUNTRYWIDE, I never have, and at this point, I never will. They keep calling my BUSINESS phone with an automated phone call and I have had up to 6 calls a day within a half hour period. This has been going on for weeks now! The call states that my home owner's insurance has lapsed and I need to contact them with updated information or my mortgage rates will be affected. They don't even leave a number to call, just a "friendly reminder" to take care of the situation right away. I hang up, and in three minutes or less, I get the same phone call again! I'm ready to scream!!!!!!!!


Left: January 20, 2006 By: Meredith In: Grand Rapids

Countrywide will not stop calling my home!!! Even though we've told them we don't want to refinance and are not interested in a home equity loan, the telemarketing calls continue. This has been going on for months, no exageration!

We're receiving two to four calls a day, six days a week, from Countrywide telemarketers even after being put on their "do not call list," with the explanation being that it takes up to 31 days to processes the request. It's intrusive, ridiculous and is enough that we're contacting other financial institutions to get away from Countrywide.

We did not originally finance with Countrywide, they bought our mortgage. My suggestion to anyone who doesn't want their phone ringing endlessly is to stay away from Countrywide at any cost!!!


Left: January 20, 2006 By: roy In: tampa



Notice: Must Read







Sweat Shop Employees www.gdblegal.com







Appraisal Overcharges www.sherlocklegal.com







Wrong Doings www.jameshoyer.com







www.ripoffreport.com







file your complaint




Left: January 07, 2006 By: Eric In: Detroit

Response to Angela in Colorado.

It is possible the extra money you are paying in tax escrows is due to the "cushion" the company is allowed to keep, if taxes rise the next year. The "cushion," by law, can only be two months worth of payments. Any overage in the account at the end of year above the "cushion" must be returned to the customer.
As to the rounding issue. I do not believe they can require you to pay the rounded sum. If you make the total scheduled payment, not including the rounded sum, they can not hold you in default.


Left: December 03, 2005 By: In:

Current Customers should call customer Service and tell them you want NO CONTACT 1-800-669-6607

That means:
*No emails
*No Phone Solicitations
*No Junk Mail

Get customer service reps name and employee ID# and make a note of it.

Countrywide gets around the do not call list because of a loop hole that allows them to call their current customers. Why do you think they buy so many mortgages? So they can call you and sell stuff to you is one reason.


Left: December 01, 2005 By: Cleaning Krew In: Jacksonville, FL

HotLanta Rep. my company is already on it. we are cleaning out the CHL ATL offices and leaving them with $20 million a year producers


Left: December 01, 2005 By: Big Buc's Fan In: Charlotte, NC

If you are a responsible citizen and have a truly legitimate gripe, then this comment is not for you.
Thank God for people like Michael Harmon, former CHL employee. Michael did not defend or discredit CHL. What he did do was offer to assist anyone needing help. Some of you adults are in financial trouble now because your parents never taught you anything. Now you are parents and not teaching your kids. If you can afford it, buy it, but don't try to keep up with the Jones'. Why are married couples each making 6 figure salaries living paycheck to paycheck? Always got your hand out borrowing to payoff something. How 'bout this. Before you borrow another dime; cut your cable off, don't eat out for breakfast/lunch/dinner, stop smoking/drinking, cut back on cds/dvd's, stop buying every fad shirt/pants/shoes that hit the market, etc. You do this for 2-6 months and you will see the money that you worked hard for going into your bank account. Some of you have expensive cars, expensive homes and clothes, yet your children don't have a dime saved for them towards college.

To go off the subject - some of you send your children to school expecting the school system to teach them manners, how to read/write, that's your job!!!!!!!!!
No matter what color, race, religion, we all want the same things. When people try to give some of you knuckleheads good advice, take it. Stop waiting for Oprah to tell you what you already know is right. And stop making the excuse that your mom or dad never taught you.


Left: December 01, 2005 By: #1 S.E. Producer In: HotttLanta

Region 18 - the Atlanta, Ga market is falling apart. If your company is looking for a good RM, ASM, BM, start picking because they are primed and ready. CHL has gone and hired 1 knucklehead who brought in 2 of his buddies, to oversee that region and top producers are either quitting or are being fired monthly. The 3 clowns in place have no experience to run a market like HotttLanta.




Left: November 13, 2005 By: Beverly Hires In: Farmington Hills

Countrywide ruined my credit, lied, did a bait and switch, and otherwise are the most corrupt bankers I have had the displeasure of dealing with. After ruining my credit, they are eager to loan me money at the most horrible rates and terms. Never mind I am a lawyer and am a trial lawyer and just happen to have been bit! Idiots, they messed with the wrong person. I generally am treated better than most and better than I should be, not really because IO believe everybody deserves to be treated fairly whether mor not the have power, so when I am jerked around buy the likes of these crooks I am still shocked. Oh well, guess it's up to me to kick the sobs back! Why would they stick their nail in a lions foot? Idiots! Guess they have been getting away with this for a while so they have gotten careless and just woke up a sleeping giant. I want a piece of those sobs! They are truly crooks in my book. Guess I should take the case. Anybody want to sue this a money stealing credit ruining machine???? They remind me of the S&Ls with their corruption. When the bubble busts they will blame the economy when in fact it was their preditory banking practices that caught up with them and me. So, guess we are going to have to start one hell of a law suit!


Left: November 04, 2005 By: In:

Hey "Top Producer"_

How are the drugs at CW these days?? Good?

God won't bless COMMIES like you anyway...so move on and keep on surfing your gay porn!! You are pitiful!!



Left: November 03, 2005 By: TOP PRODUCER In:

I'VE NEVER READ SUCH BS, AS I'VE READ JUST NOW! I HAVE A FEELING MOST OF YOU BABIES WHO GOT FIRED BECAUSE YOU WERE DOING FRAUD OR THOSE WHO THINK GOT THE SHORT END OF THE STICK PROBABLY HAVE 500 FICO SCORES, BECAUSE ONLY UNGRATEFUL BRATS COMPLAIN. CHL IS AMERICAS' #1 RESIDENTIAL MORTGAGE BANK IN THE WORLD! NO OTHER BANK CAN COMPETE. OUR RATES, OUTSTANDING CUSTOMER SERVICE, AND UNDERSTANDING OF THE MORTGAGE INDUSTRY WILL ALLOW US TO DOMINATE FOR YEARS TO COME. 1 OUT OF EVERY 3 PEOPLE HAVE A CHL, GO ASK YOUR NEIGHBOR HOW HAPPY HE/SHE IS WITH US. I DARE YOU!

THIS GOES TO ALL THE STUPID PEOPLE ON HERE: WHAT MORTGAGE BANK DO YOU KNOW THAT SPLIT 3 TIMES IN ONE YEAR AND HAD A ROR OF 90%?? ANYONE? YOU THINK WAMU, CHASE, WELLS, HAD A ROR OF OVER 90% IN ONE YEAR?? NO! THEY DIDN'T! BUT COUNTRYWIDE HOME LOANS DID. I SEE WHY THE AUTHOR OF THIS WEBSITE CREATED THIS WEBSITE; TO MISINFORM POTENTIAL CUSTOMERS FROM DOING BUSINESS WITH US. WHY IS IT THAT THIS WEBSITE ONLY HAS NEGATIVE POSTS?? NOTHING BUT A BUNCH OF BIAS KIDS. I'M GOING TO BE CHECKING IN A WEEK TO SEE IF THIS POST WAS POSTED, IF NOT THEN I KNOW WHAT THE AUTHOR HAS IN MIND AND THAT IS TO WEAKEN COUNTRYWIDE HOME LOANS. HE/SHE WOULD HAVE TO KEEP THIS WEBSITE FOR 10,000 YEARS BEFORE ANYONE STARTS HAVING DOUBT IN THIS COMPANY. IF SOME OF YOU GOT FIRED FROM THIS COMPANY, I'M GLAD! WE DON'T WANT YOU ANYWAY. WE ONLY WANT THE BEST WORKING HERE, GO TO OUR COMPETITORS THEY'LL HIRE YOU/ AND WE'LL CONTINUE BEING #1 IN THE WORLD IN RESIDENTIAL HOME LOANS. TAKE CARE GOD BLESS!

PLEASE ASK ME ANY QUESTION. AND STOP COMPLAINING THAT YOU DON'T KNOW WHERE TO SEND YOUR PAYMENT, THAT COMMENT IS AS OLD AS DINOSAURS. CALL THE MORTGAGE CONSULTANT YOU DEALT WITH AND HE'll DIRECTED YOU IN THE RIGHT PATH. WE ARE HERE TO HELP YOU ALONG THE WAY, FROM YOUR FIRST CONTACT, TO THE CLOSING TABLE, AND YOUR PICNIC AT YOUR HOME WITH FRIENDS AND FAMILY! THANK YOU FOR YOUR BUSINESS! GOD BLESS! LIVE WITH PASSION!!!!!!



Left: October 17, 2005 By: Max In: Flint

Are you talking about the Dutch traders?


Left: October 11, 2005 By: In:


Some of the more useful goods traded, were pots, knives, and yes, even the gun, but most were trinkets. Glass beds, needles, thread and countless other baubles worth nothing. These were the goods carried by the Voyageurs. Can you imagine risking your life for months on end, enduring hardship and pain, all just to bring a load of junk to a group of people? I can understand the desire to make a good trade- but using mostly junk? Its hard to believe that all the Voyageurs were unaffected by this one sided trading. Perhaps the ones whose conscience prevented them from sleeping at night were not Voyageurs for long. This is not to say that they were bad men. I believe that most were simple in that they paddled their canoes, sang their songs, and lived a hard, exciting life. No questions asked. The moralities of the fur trade aside, we can look at the lives of the men who paddled these great canoes that carried the goods of trade.


Left: September 20, 2005 By: An observer In: Atlanta, GA

I don't know about all the name calling, etc. but one thing is certain. Something bad has happened to Countrywide in Atlanta and there won't be an end until it's destroyed. Someone hired people to run this part of the company that either have no interest in the company or just simply aren't qualified to run a company. There is no profit being made and everyone is unhappy -- customers and employees. Seems like a recipe for disaster. Sit back and watch it fall. Maybe a year, maybe not that long. They'll be gone, someone new will be along or they can close down Atlanta altogether. I don't think Atlanta would be missed by the rest of Countrywide.



Left: September 19, 2005 By: Max In: Flint

One of the original six, G. H. Johnson Cigar Co., had a cigar brand called Dutch Masters. It was decided to make this trademark the flagship and so, over the years, through constant promotion and national advertising in print and, later television, Dutch Masters was built into what is today one of the biggest dollar volume cigar brands in the United States. Helping to promote the brand over the years were such luminaries as Ernie Kovaks, Sid Caesar and Danny Thomas.


Left: September 19, 2005 By: In:

What about Dutch Masters?


Left: September 19, 2005 By: Max In: Flint

treats ó beer and cigars for the men and ice cream for the children.


Left: September 19, 2005 By: In:

Max- can you tell us about "Dutch Treats" ...the little cigars??


Left: September 15, 2005 By: Max In: Flint

OK. I will tell you more about Dutch history.
Although the Netherlands only controlled the Hudson River Valley from 1609 until 1664, in that short time, Dutch entrepreneurs established New Netherland, a series of trading posts, towns, and forts up and down the Hudson River that laid the groundwork for towns that still exist today. Fort Orange, the northernmost of the Dutch outposts, is known today as Albany; New York City's original name was New Amsterdam, and the New Netherland's third major settlement, Wiltwyck, is known today as Kingston. Unlike New York City and Albany, however, where the traces of colonization can be difficult to find, in Kingston, the history of New York's Dutch colonization is quite evident.

In 1609, two years after English settlers established the colony of Jamestown in Virginia, the Dutch East India Company hired English sailor Henry Hudson to find a northeast passage to India. After unsuccessfully searching for a route above Norway, Hudson turned his ship west and sailed across the Atlantic. Hudson hoped to discover a "northwest passage," that would allow a ship to cross the entirety of the North American continent and gain access to the Pacific Ocean, and from there, India. After arriving off the coast of Cape Cod, Hudson eventually sailed into the mouth of a large river, today called the Hudson River. Making his way as far as present-day Albany before the river became too shallow for his ship to continue north, Hudson returned to Europe and claimed the entire Hudson River Valley for his Dutch employers.

After unsuccessful efforts at colonization, the Dutch Parliament chartered the "West India Company," a national-joint stock company that would organize and oversee all Dutch ventures in the Western Hemisphere. Sponsored by the West India Company, 30 families arrived in North America in 1624, establishing a settlement on present-day Manhattan. Much like English colonists in Virginia, however, the Dutch settlers did not take much of an interest in agriculture, and focused on the more lucrative fur trade. In 1626, Director General Peter Minuit arrived in Manhattan, charged by the West India Company with the task of administering the struggling colony. Minuit "purchased" Manhattan Island from Native American Indians for the now legendary price of 60 guilders, formally established New Amsterdam, and consolidated and strengthened a fort located far up the Hudson River, named Fort Orange. The colony grew slowly, as settlers, responding to generous land-grant and trade policies, slowly spread north up the Hudson River.

The slow expansion of New Netherland, however, caused conflicts with both English colonists and Native Americans in the region. In the 1630s, the new Director General Wouter van Twiller sent an expedition out from New Amsterdam up to the Connecticut River into lands claimed by English settlers. Faced with the prospect of armed conflict, Twiller was forced to back down and recall the expedition, losing any claims to the Connecticut Valley. In the upper reaches of the Hudson Valley around Fort Orange, (present-day Albany) where the needs of the profitable fur trade required a careful policy of appeasement with the Iroquois Confederacy, the Dutch authorities maintained peace, but corruption and lax trading policies plagued the area. In the lower Hudson Valley, where more colonists were setting up small farms, Native Americans came to be viewed as obstacles to European settlement. In the 1630s and early 1640s, the Dutch Director Generals carried on a brutal series of campaigns against the area's Native Americans, largely succeeding in crushing the strength of the "River Indians," but also managing to create a bitter atmosphere of tension and suspicion between European settlers and Native Americans.

Director General Peter Stuyvesant



The year 1640 marked a turning point for the colony. The West India Company gave up its trade monopoly, enabling other businessmen to invest in New Netherland. Profits flowed to Amsterdam, encouraging new economic activity in the production of food, timber, tobacco, and eventually, slaves. In 1647, the most successful of the Dutch Director Generals arrived in New Amsterdam. Peter Stuyvesant found New Netherland in disarray. The previous Director General's preoccupation with the Native Americans and border conflicts with the English in Connecticut had greatly weakened other portions of colonial society. Stuyvesant became a whirlwind of activity, issuing edicts, regulating taverns, clamping down on smuggling, and attempted to wield the authority of his office upon a population accustomed to a long line of largely ineffective Director Generals.

Eventually, Stuyvesant cast his eyes upon the small settlements that had developed along the Hudson River Valley between Fort Orange and New Amsterdam. In 1652, 60-70 settlers had moved down from Fort Orange to an area where the Rondout Creek met the Hudson River, the site of present-day Kingston. The settlers farmed the fertile flood plains of the Esopus Creek side-by-side with the Esopus Indians, the original settlers of the area. Inevitably, land disputes brought the two sides to the brink of war, with both the Europeans and the Esopus Indians engaging in petty vandalism and kidnaping. In 1657, seeing the strategic practicality of a fort located halfway between New Amsterdam and Fort Orange, Director General Stuyvesant sent soldiers up from New Amsterdam to crush the Esopus Indians and help build a stockade with 40 houses for the settlers. Board by board, the settlers took their barns and houses down, and carted them uphill to a promontory bluff overlooking the Esopus Creek flood plain. They reconstructed their homes behind a 14-foot high wall made of tree trunks pounded into the ground that created a perimeter of about 1200 x 1300 feet. By day, the men left their walled village, which Director General Stuyvesant had named "Wiltwyck," to go out and farm their fields, leaving the women and children largely confined within the stockade. The villagers lived this way until 1664, when a peace treaty ended the conflict with the Esopus Indians.


Original layout of the Kingston Stockade

Though no longer needed, the stockade was left standing well into the late 17th century, and wooden remnants of the wall were actually rediscovered on Clinton Ave during an archaeological dig in 1971. The streets of the original village, however, remain laid out just as they were in 1658. Although the wooden houses of original settlers are long gone, the second generation of homes, built by men like Sergeant Matthew Person, still survive. These stone houses are fine examples of 17th-century Dutch stone buildings, and 21 still stand within the original layout of the stockade, listed in the National Register of Historic Places as contributing members of the Stockade Historic District. Many of these homes began as a single room with a loft above, and gradually expanded, but the simple limestone and mortar materials hauled directly from the fields outside the stockade are still quite visible. Direct links to the age of Dutch colonization, the sturdy construction of these houses have served generations of Kingston residents, and are still in use today.

Although Wiltwyck, the second large settlement established north of New Amsterdam, grew quickly, the very successes of the Stuyvesant administration put New Netherland in danger. The colony was proving quite profitable, New Amsterdam had developed into a port town of 1500 citizens, and the incredibly diverse population (only 50 percent were actually Dutch colonists) of the colony had grown from 2,000 in 1655 to almost 9,000 in 1664. "Problems" with Native Americans were mostly over, and stable families were slowly replacing single adventurers interested only in quick profits. New Netherland produced immense wealth for the Dutch, and other foreign nations began to envy the riches flowing out of the Hudson River Valley.

The Dutch lost New Netherland to the English during the Second Anglo-Dutch War in 1664 only a few years after the establishment of Wiltwyck. Along the West Coast of Africa, British charter companies clashed with the forces of the Dutch West India Company over rights to slaves, ivory, and gold in 1663. Less about slaves or ivory, the Anglo-Dutch Wars were actually more about who would be the dominant European naval power. By 1664, both the Dutch and English were preparing for war, and King Charles of England granted his brother, James, Duke of York, vast American territories that included all of New Netherland. James immediately raised a small fleet and sent it to New Amsterdam. Director General Stuyvesant, without a fleet or any real army to defend the colony, was forced to surrender the colony to the English war fleet without a struggle. In September of 1664, New York was born, effectively ending the Netherlands' direct involvement in North America, although in places like Kingston, the influences of Dutch architecture, planning, and folklife can still be quite clearly seen.



Left: September 14, 2005 By: In:

We want to hear more Dutch stories from Max in Flint!!


Left: September 14, 2005 By: Mark Balmer In: Fenton

Mrs jenkins has a huge Hair Ass meat flappin pussy i went to school with her. He last name was thomson before she got married. Well I guess Mr. Jenkins made a HO in to a house wife huh? She used to get gang banged in our college dorms way to go Mrs Jenkins!!! WHORE


Left: September 13, 2005 By: bobby In: grand blanc

Mr. Jenkin's we fukked and your pussy sticks..... so shut up!!!


Left: September 12, 2005 By: In:

I THINK I WOULD RATHER HEAR SOME OF MAX'S DUTCH STORIES.


Left: September 12, 2005 By: Mrs Jenkins In: Linoln park

It's nice to see that "Dan" took some time out from surfing his gay porn to let us know know he feels.


Left: September 09, 2005 By: In:

Mrs. Jenkins-

Pay your fucking bills and shut your ghetto ass mouth.


Left: September 08, 2005 By: Dan In: Detriot

All you people are idiots country wide home loans are great. Your stupid for wasting your time on this chatty web site. You are all internet dorks!! give it up nerds.......lol


Left: September 08, 2005 By: Mrs.Jenkins In: Linoln Park

I too had a loan with Country Wide, and it was a living HELL,,, if face to face with them, I would have ripped off a few faces!!!!I carried my home owners ins. for years on my own, paid and them,these nice people said that I didnt carry enough so off I go to my agent, up the coverage, put more on then their stupid loan was worth, faxed it to them and they sent me letters stating that I either didnt have enough or non at all, so back to my agent again,,this went on for about a year, this gets better,,,,,went to sell the house, those crooks put Ins. on my home and then my real estate agent tells me that I owe CW. about 700.00, I proceed to show the agent my cashed check, but she still expected me to pay those cons, which I refused to do, you see, my agent didnt give a dam about me getting ripped off!!!!,she only cared about her cut, I went into a rage and told her the deal was off ,she didnt like to hear that!!!so I called CW, and told them that I would call the Attorney Generals Office and file a suit, well,, I didnt have to pay CW, I had proof of all calls and checks for homeowners Ins. CW can take their loans and stick them where the sun doesnt shine!!!I hope they read this, maybe the State should look at how this Co. is run.It would make my day, to see the State torture them like they do to homeowners!!!!


Left: August 30, 2005 By: In:

Well, if I ever need info on Dutch history in a pinch I know who to call.


Left: August 30, 2005 By: Max In: Flint

Yes, you are correct! Holland means "Woodland" in old Dutch (Diets), but there are some theories that it is a Viking name. There is a region in Sweden that is called "Halland" and it's weapon shield looks very much like the weapon shield of Holland (with the lion on a shield). The Vikings often visited this part of Europe until the 10th century. Before that time Holland was called Frisia and it's inhabitants were Frisians. After the name changed many wars were fought by the Counts of Holland against a part that was still called West-Frisia.

Another theory about the name Holland you can find when reading the History of Holland part 2.

Holland is only a small part of present The Netherlands consisting of North-Holland, South-Holland (now called "De Randstad") and Zeeland and was called "The Northern Lowlands. In the south Brabant, Limburg, Flanders and Luxemburg, called The Southern Lowlands (even parts of modern Germany belonged to this area at that time).

The other provinces of modern Netherlands were added later in the 19th century after the France occupation (1795-1813) when Belgium became independent from The Northern-Lowlands, (1830). From than on the "whole" Country is named The Netherlands.

In fact the 's' in Netherland, shows that this is a union. Holland gave up it's independence a long time ago (1572). So calling the Netherlands 'Holland', is like calling Great Britain 'Scotland' or 'Wales', or the USA 'District Colombia'.

Modern Holland or The Netherlands is more then only wooden shoes and Windmills, Tulips, Cheese and boys with their finger in a Dike. Holland in the 21st century is not only famous because of their Flowers but also for the high-tech industries like Philips, Unilever, Akzo, Shell and other multinational companies. The Dutch are also an important investor in cities like New York (Manhattan) and other cities and Countries all over the world.




Left: August 30, 2005 By: In:

Actually, New York City was once New Amsterdam and was first colonized by the Dutch.


Left: August 29, 2005 By: Max In: Flint

Well, actually all of the wooden clogs are custom made. I have some wood carving experience though. We had to take a class at The Dutch Academy.
For those who are unfamiliar with Dutch history, here is a short briefing.
Although most Americans are familiar with the basic outline of the British colonization of America, and even know some information on the Spanish and French settlements, their is less familiarity with the history and geography of another new word settler, namely the Dutch. Not only did they settle the colony of New Netherland but coins from both the United Provinces of the Netherlands and the Flemish area held by Spain, which we now call Belgium, circulated in America.
Which ironically was where the first pair of Dutch wooden shoes where carved. I'll be glad to give out more Dutch history if anyone wants it.


Left: August 26, 2005 By: In:

If the clog fits....


Left: August 25, 2005 By: Max In: Flint

Very good observation...I am Dutch. I headed up a unit in the Dutch Army 15 years ago. I'm looking to buy some wooden shoes now.


Left: August 23, 2005 By: In:

Now I know Max is Dutch!


Left: August 23, 2005 By: In:

Max works for Rock Financial. Beware of the BS as they CANNOT close a loan in three days (in Michigan it takes up to 5 days just to get a title report and an appraisal takes up to 72 hours alone).


Left: August 22, 2005 By: In:

Max is Dutch....I think.


Left: August 19, 2005 By: Max In: Flint, Michigan

Well I can tell you frome experiance that most of theise thing are true. I just lost a customer to them. They lied to get the customers to go with them. And these people ended up calling me 3 months later saying that they were told by Country wide not make their payments( on there mortgage) they will put it in the loan. Now they have a 90 day late ,I cant help them and there house is going into forclosure!!! So if your looking @ this site wondering should you re-finance with this company BEWARE. But If you want a fast quote and close a loan in 3 days no out of pocket fee's. Feel free to call me. 888-404-1579 My name is Max


Left: August 19, 2005 By: Max In: Flint, Michigan

Well I can tell you frome experiance that most of theise thing are true. I just lost a customer to them. They lied to get the customers to go with them. And these people ended up calling me 3 months later saying that they were told by Country wide not make their payments( on there mortgage) they will put it in the loan. Now they have a 90 day late ,I cant help them and there house is going into forclosure!!! So if your looking @ this site wondering should you re-finance with this company BEWARE. But If you want a fast quote and close a loan in 3 days no out of pocket fee's. Feel free to call me. 888-404-1579 My name is Max


Left: July 27, 2005 By: Michael In: Chicago

If you think Countrywide is bad, take a look at this website and read about the REALLY bad ones!
http://www.mortgagereform.org/


Left: July 26, 2005 By: HAROLD & PHYLLIS SMITH In: ROMULUS, MICH 48174

BEING RAPED BY COUNTRYWIDE.

5 YEARS AGO MY WIFE GOT SICK AND LOST HER JOB OF 25 YEARS, WE BEGAN TO GET INTO TROUBLE WITH OUR TAXES, SO COUNTRYWIDE HELPED US OUT, THEY PAID THEM. WE WERE GRATEFUL, BUT NOW WE ARE REPAYING THE PAST TAXES FUTURE TAXES AND OUR REGULAR MONTHLY PAYMENT WHICH HAS TAKEN OUR MONTHLY PAYMENT UP 2 1/2 TIME WHAT IS WAS. WE HAVE A LARGE ESCROW. AS WE HAVE TRIED TO REFI, TO CONSOLIDATE EVERYTHING BACK INTO ONE NORMAL PAYMENT, COUNTRYWIDE KEEP COMING UP WITH ALL TYPES OF REASONS WHY THEY CAN'T REFI US. THE FUNNIEST IS THAT COUNTRYWIDE SAID"IF THEY REFI US, BASED ON OUR INCOME WE CAN'T QUALIFY FOR THE PAYMENTS" BUT GUESS WHAT? WE ARE ALREADY PAYING
$1300.00 PER MONTH MORE THAN THEY SAY WE QUALIFY FOR. I NEED A GOOD LAWYER AND WOULD LIKE TO JOIN ANY CLASS ACTION LAWSUIT. THE RAPING HAS TO STOP.
AT THIS POINT COUNTRYWIDE IS MAKING ME LOSE OUR HOME. HELP
EMAIL ME @ HAROLDMAJESTIC@AOL.COM


Left: July 26, 2005 By: In:

I'm going to post this in every state listed here. YOU MUST TAKE RESPONSIBILITY FOR YOUR OWN ACTIONS AND DECISIONS!! I have recently left the lending industry. I can site many reasons for this, however the top reason has to be dealing with borrowers and potential borrowers who had no concept of financial responsibility. Just because you have a 700 credit score does not mean you demonstrate good use of credit or that you are guaranteed the rate or terms you want. In fact, many people who have the best credit scores carry the most debt. What you people do not understand is that the lending institutions want you to carry debt, so if you carry alot of debt and pay it on time your score will be higher than someone who pays their bills OFF every month and only carries a mortgage and a car loan/lease. If you fall on hard times, pay your damn mortgage and let the friggin' Visa's go delinquent. Visa isn't going to take your house, your mortgage company is. People jump to quickly to file BK. Guess what, ole' GW has made that next to impossible for the average American. You're better off making arrangements with your credit card companies and paying your mortgage off as quickly as possible. Use good judgement, not the "I want it now!" mentality. Buy a Trailblazer instead of the RangeRover or the Hummer or the Lincol or Caddy or whatever. How many of you people that post on here have kids? What kind of behavior do you think your actions teaches them? Anyone who would voice their opinion is more than welcome to email me at michael_harman1976@yahoo.com. I would be more than happy to help anyone who needs some good advice on how to get themselves into a good financial position. I am not selling anything, I'm a former CW employee who feels an obligation to help those who have been taken advantage of.

Michael


Left: July 21, 2005 By: C Ellis In: Clinton, MI

For the past 3 years, each year, my escrow review reveals that CHL is withholding an excess of $200 a month on TOP of what they need to withhold to make my tax and insurance payments and yet, I never can get an answer on how to get that yearly overage of $2400 credited to my account or refunded to me. It's stealing and I cannot get anyone there to respond???? After my divorce, I fell delinquent in my payments and struck a deal with them to make up for the 2 past due payments. They totaled those payments and spread them out over a 5 month period, however, also including "late fees" for those months to come - months that hadn't even passed yet? Those late fees were tallied into the grand monthly total which took my house payment from 1100/month to $1827 a month for 5 months. Now...why can't they just credit my pre-billed late charges with the escrow overage they're stealing from me each month?


Left: July 05, 2005 By: Cindy In: Gaylord

Our loan was just sold to Countrywide Home Loans.....UGH!!!! I was looking for a site to email them that the letter they sent me : regarding sending THEM my payment on 7-1-05 was JUST RECEIVED ON 7-5-05!!! I received a letter from Decision One Mortgage that they were selling my loan and that I would receive further information from that company regarding payments......I was to keep making payments to DECISION ONE until I received "NOTICE".... AFTER reading these I am VERY VERY UPSET!!! I sent my payment to Decision One on 6-28-05! Now my letter from Countrywide Home Loans says any payment to be received after 7-1-2005 needs to be sent to them!!! NOW HOW CAN I SEND THEM THAT PAYMENT WHEN THEY """"'JUST"""" INFORMED ME??? I will hope for the best ........but anyone with an idea of how I can get my loan from them would be GREATLY appreciated!!!!


Left: June 27, 2005 By: In:

I am having problems with closing my account with Countrywide. planning to take legal action..


Left: June 15, 2005 By: SANDRA In: LANSING

I CURRENTLY HAVE A HOME LOAN WITH COUNTRYWIDE. I FELL INTO SOME BAD TIMES THESE LAST TWO YEARS. I ENDED UP FILING BANKRUPTCY, THIS IS SOMETHING I NEVER WANTED TO HAPPENED, I WAS ALWAYS PROUD OF MY GREAT CREDIT RATING. ON TOP OF THIS MY MOTHER PASTED AWAY AND IT JUST SEEMED AS IF THINGS WERE GOING FROM BAD TO WORSE. I DIDN'T EXPECT TO GET ANY MONEY FROM MY MOTHERS ESTATE, HOWEVER I DID, I THINK MY MOTHER WAS LOOKING DOWN ON ME BECAUSE I WAS AT MY LAST WITS. I WAS TOLD TO CONTACT COUNTRYWIDE AND HAVE MY HOME LOAN REINSTATED. SO I DID AND WAS ABLE TO DO SO. COUNTRYWIDE TOLD ME WHAT I NEEDED AND I FOLLOWED THEIR INSTRUCTIONS. THE REINSTATEMENT WAS ONLY FOR THE 1ST HOME LOAN AND NOT THE SECOND HOME LOAN. I WAS TOLD THAT WHEN I REFINACED OR SOLD MY HOUSE I WOULD HAVE TO SETTLE THE SECOND HOME LOAN, FOR MY HOME HAD A LEAN ON IT. I WAS GETTING MONTHLY BILLS SAYING THIS IS NOT A BILL BECAUSE IT HAD GONE TO BANKRUPTCY. ONE YEAR AFTER I REINSTATED MY 1ST HOME LOAN THEY CAME AFTER ME FOR FORCLOSER ON MY SECOND HOME LOAN. WITH MY BANKRUPTCY I WAS UNABLE TO OBTAIN A LOAN AND COUNTRYWIDE WOULD NOT WORK WITH ME ON PAYING THEM BACK. I WAS UNAWARE THEY COULD DO THIS. THEY WHERE VERY RUDE AND WOULD NOT RETURN MY CALLS. IT GOT DOWN TO THE POINT OF THEM AUCTIONING MY HOME WITHIN ONE DAY OF LOSING IT. I HAD NO OTHER ALTERNITIVE BUT TO SELL MY HOME. I DO THIS WITH GREAT DISPARE. I HOPE THAT ANYONE THAT READS THIS WILL SEE A LAWYER BEFORE REINSTATING ANY LOAN. I WAS NEVER TREATED SO CRUEL IN MY WHOLE LIFE. NOT ONLY DID I FEEL LIKE I WAS A LOSER I WAS TREATED AS ONE TOO. I AM FAR FROM A LOSER AND I WILL NOT PERMIT ANYONE FROM TREATING ME AS SUCH. HOWEVER IT IS HARD TO DO ANYTHING ABOUT WHAT HAS HAPPENED TO ME. COUNTRYWIDE TRIED TO TAKE MY DIGNITY FROM ME BUT ONLY MADE ME HOMELESS. I PRAY THIS NEVER HAPPENS TO ANYONE EVER. BE CAREFUL.


Left: May 19, 2005 By: In:

Thank you so much for this website. Our realtor recommended Countrywide so strongly that we went to them for our mortgage. If you think Countrywide is bad, try going to a realtor who works hand-in-hand with Countrywide. Countrywide gave us an interest rate upon which we based our offer. As soon as the offer was accepted, Countrywide upped the interest rate so much that we knew we could no longer afford the house, but we had signed an offer to purchase that allowed that rate of interest (on the advice of Countrywide, who said it didn't really mean we would ever have to pay that higher rate, it was just something to put on the offer). So, we went to a bank, and they offered us a much lower rate. The bank called the realtor to start the loan process. The realtor turned around and called Countrywide, who then called us, to offer us a much, much better rate. Okay. But then, Countrywide wouldn't move. Not even an application to start the loan process. Each time I called they tap-danced about computers and "in the system," etc. We had no application, no written estimate, nothing. Twelve days before closing I called our local bank in a panic. They were able to do the loan at that interest rate and cut Countrywide out completely. They said if we had waited a couple more days it would have been too late. We believe that Countrywide was holding out until we had no other options before they would give us a loan, and the terms of it would have been at their pleasure.
THEN, we found out our realtor had not disclosed an encroachment. This alone could have been a deal-breaker, but we wanted the property so we worked out a deal with the man who owned the property on whom we were encroaching. We also got an attorney, and asked him to take over the closing, which we had been planning to do at the realtor's office. WELLLLLL---Here it gets fun. Countrywide and our realtor had worked into the purchase all sorts of "creative financing," so that we, the buyers, would be credited with approximately $3,500 at the closing, which would have been at the realtor's office, where we wouldn't have known what the hell he was doing with the money. But our lawyer and our bank did exactly that; they credited us with the $3,500. In fact, they ran out of places to credit us, so the seller ended up writing us a personal check for the balance. Our realtor was shocked when he found this out at closing. We had to stay an hour while everyone in his office and the lawyer's office looked for money, calculators clicking, pages flying. The realtor went outside and talked on his cell phone. We overhead him shout, "Well then we're screwed!" I kid you not! At another point in this comedy our lawyer asked him, "Well, where's the earnest money? I don't have it. Do you have it?" And the realtor said, distractedly, "Well yes, I have it, butÖ." and went back to playing with his calculator.
The way it finally turned out for us was beautiful. The seller actually ended up paying for part of our down payment, but it didn't cost him anything because Countrywide had him raise the asking price in order to credit us, in order to be able to get their thousands at closing. We paid NO FEES whatsoever, and walked away with a small check to the good. The seller paid a very low commission to the realtor (because the realtor quoted him a small commission, apparently because he, the realtor, was going to get a cut of the "creative financing" done by Countrywide at closing.) Watching this comedy of errors was truly enjoyable; however, it followed a month of anxiety and fear. I don't recommend Countrywide to anyone. And if your realtor recommends them, please be warned.



Left: April 29, 2005 By: d,g In: menominee mi.

wow! it seems that this website has more negitive than positive towards countrywide apparently theyare a bad company. i guess i can cross off their phone# forever


Left: March 08, 2005 By: MATT BAKER In: ANAHEIM, CA

LOOKING FOR A GOOD EXPERIENCE IN REFINANCING OR PURCHASING. CALL TODAY'S HOME MORTGAGE ASK FOR MATT BAKER 888-276-7100


Left: February 28, 2005 By: In:

Below is a copy of an email sent to the owner aka whiner of this website on Feb 27, 2005 7:54 PM, CST



Hello,



Countrywide is voted the best of the best places to work. Countrywide is also the number one servicer and lender. Countrywide makes dreams come true to those that work hard and understand what it is to be financially responsible.



No matter how many web sites you put up, no mattter how much you whine, you will get no where. Countrywide continues to be number one and you will not be able to do nothing about it. Individuals like you never prosper!



Loving Countrywide,

Anomyous Like yourself.



P.S. If you really supported this site you would not hide from who you really are. At least state your name coward!




Left: February 24, 2005 By: stacy maxam In: mattawan

Feb 24, 2005

WELL I AM GLAD TO KNOW THERE IS OTHER PEOPLE OUT THERE HAS HAS BEEN BENT OVER BACK WARDS BYE COUNTRYWIDE HOME LOANS YOU SEE MY STORY IS THIS WE HAD A FHA LOAN THAT WAS INSPECTED BYE A FHA INSPECTOR AND WAS APPRAISED BYE COUNTRYWIDE YOU SEE THEY SOLD ME A HOUSE THAT WAS AND NEVER SHOULD OF HAPPENED WITH A FHA LOAN THE HOUSE DID NOT MEET FHA STANDARDS.
THEY SOLD ME A ILL HOUSE ONE THat was very ill it contained the famous "BLACK TOXIC MOLD" THE DEADLY BLACK MOLD THEY LET ME AND MY FAMILY LIVE IN THIS HOME I DID NOT KNOW IT WAS THERE AND I DID NOT KNOW THERE WERE THINGS WORNG WITH THE HOME NEEDLESS TO SAY WE HAD TO FIND OUT THE HARD WAY WE STARTED TO BUILD US A KNOW HOME WHEN ONE MORNING I WOKE UP AND FOUND MOLD ON MY DAUGHTERS CELLING COMEING THOUGH SO I CALLED MY INSURANCE COMPANY WHICH WAS SAFE CO WHICH I WOULD NEVER REC THEM TO ANY ONE IF YOU HAVE THEM GET AWAY FROM THEM CAUSE THEY WONT STAND BEHIND YOUR INSURANCE EVEN THOUGH THEY COVERED YOUR HOME WITH PICTURES TO MAKE SURE IT WAS OK TO COVER ANY WAY NEEDLESS TO SAY WE HAD TO GIVE THE HOUSE BACK TO COUNTRYWIDE CAUSE YOU CAN NOT SELL A ILL HOME IT WOULD COST TO MUCH TO FIX THE HOUSE THEN IT WAS WORTH WELL HERE WE ARE NOW TRYING TO BYE A HOME AND GUESS WHAT THE A-- H----- ARE SAYING WE STILL OWE THEM MONEY AND WE DONT BECAUSE IT WAS A FHA BACKED LOAN AND PLUS WE FILED BANKRUPTCY IN 1998 AND IT WAS GRANTED IN 1999 WE FIELD ON EVERY THING EVEN THE HOUSE. I HAVE BEEN FIGHTING WITH THEM FOR THE LAST TWO DAYS AND I HAD ENOUGH I TOLD THEM THE NEXT TIME THEY HERE FROM ME WILL BE IN COURT WHEN I TAKE COUNTRYWIDE HOME LOANS DOWN FOR THE COUNT I AM A STUDENT STUDYING TO BE A PARALEGAL AND I AM WILLING TO HELP OUT A LAWYER IN ANY WAY I CAN TO BRING THIS COMPANY DOWN I HAVE ALL MY PAPERS AND FIEL TO DO WITH THE HOUSE ALL I NEED IS A LAWYER TO CONTACT ME IF THEY WANT TO HELP ALL OF US GO AFTER COUNTRYWIDE ALL THEY HAVE TO DO IS CONTACT ME.
STACY MAXAM
maxam9@netzero.com
65588 22nd st
mattawan,mi 49071




Left: November 14, 2004 By: In:

I stumbled upon this site and found it very interesting to read all the issues that homeowners have had with countrywide.

I think I might be able to help some of the compainants. I work for a large financial institution and have for a number of years, love my job, and have been in the "find out what happened to this guy's payment" seat. Here are my suggestions:
1. ALWAYS get a receipt if you give your payment to someone. DON'T leave your payment in a dropbox or ANYwhere that you can't physically hand your check to a human being and have them acknowledge it - IN WRITING - even if it's a scrap of paper with their signature on it! because this way at least you Handed your payment to a representative of the institution and you can let whoever harrasses you of the fact. Most of the ppl in collections don't have much experience in anything but how to use the computer at their job.

2. Send a detailed letter including your loan number to the Office of Thrift Supervision in your area. There are forms available online and you can begin the entire process right from the comfort of your own home. Send all the pertinent information you can muster. The more ammo the OTS has when they notify the bank of your issues, the faster you will see some results. Remember, the bank only has whatever its' staff has entered in their system to go on. If you have something more, they really do want to see it. The OTS will then contact the institution and someone has to handle those letters within a timeframe of one week (don't quote me on the length allowed - but if it is deemed the response hasn't been received in a timely manner, the OTS is MORE than happy to send reminder notices to the Bank, NOT to you. Now they're the ones receiving the late notices and someone's going to have to answer for it with a reasonable explaination as to why it was late). The OTS monitors all thrifts like cowide and will get you some results. What's even better, if the response is not correct, you can respond to cowide via the OTS and they will act as mediator for you. You can ask for a reversal on the late pays, on the interest charged for a late pay, for all late charges, for the charges from the bank for your copes of any canceled checks or footwork you need to do to solve THEIR problem.

3. If you can, CALL, CALL, CALL. Keep a log of when you call, who you call, their #, the message you leave if you don't 'get' to talk to a human being. After you stop getting results from the payment/collections department, start demanding to talk to the president of the institution when you call. The switchboard operators don't want to argue with you, they have to transfer your call so they can take the next one. They'll at least send you to the person who takes care of the President. This person will eventually get so FRUSTRATED with all the complaint calls, they'll either A. Make someone get to the bottom of things or B. look into your issue. Remember, this is the assistant to the president and he or she is thorough, a professional, and is not about to just dump your issue with some $8/hr phone person.

4. Remember, if you use an online bill payment service, you need to send your payment in advance, especially if the servicer of your loan is not 'set up' to receive electronic transfers from your financial institution. If the payment service has to send a paper check, it is sometimes harder to track than if you sent your payment on your personal check. At least on a personal check, there is a physical address for the person who is searching through all the "not on file" checks. There's a pile of those floating around somewhere. Because of the huge increase in business, most mortgage servicers are behind in their setting up of new loans. If you make a payment ahead of the first payment due date, it is possible that your check went into that "NOF" pile and is sitting there, waiting to be cashed. Ask for the manager of the payment department or Accounts Payable and tell them what's going on. Don't forget to note the person's name, their extension,the date and time of your call and when they said they'll get back to you. If they don't get back, CALL THEM AGAIN. They need to know you're serious.

5. If THAT fails and you really have made all your payments in a timely manner and have just had it up to here, call your local TV station, then call the bank, demand to talk to the assistant to the president, and let him or her know what you have just done. I pretty much guarantee you'll get some results.

Try to remember, this institution didn't search you out and 'lock on' to your loan to make a few extra dollars in collection fees. They make more money when they sell your loan to another servicer, so one more thing you can do is demand to have your loan sold in the next loan sale. Once you find a servicer with whom you are comfortable, you can write a letter to the President of the Bank to request they service your loan for its term. Many times, servicers are looking for customers to add to their 'portfolio', the loans they shelve and service themselves, and if you're lucky you can be added to the list.

I really hope I was able to offer something to this forum. I know it's frustrating for homeowners, especially when you can't just jump in your car and go down the street to the lender to bang on the counter and demand results; but, if you can try some of these suggestions, you might find some resolution. Best of luck to all of you and I'll check back to see if any of it worked.



Left: October 25, 2004 By: In:





www.werloans.com


Left: October 19, 2004 By: Steve In: Clinton twp., Michigan

Hello my name is Steve. Absolutely dispise Countrywide home loans. I originally set up my loan through a mortgage broker and they sold my loan to Country Wide. All I can say is make sure that if you set up your loan through a mortgage broker other than a bank you tell them you will not do business with them if they sell loans to Countrywide. Here's my story. When I first purchased my home my loan was through flagstar then flagstar sold my loan right away to Franklin mortgage then franklin sold my loan to countrywide. I was with franklin mortgage for about 2 months and no problems. Franklin mortgage as well as 95% of all others allow you to use your 15 day grace period without hassle, Countrywide does not. Country wide calls me 3-4 times a month at work when I am still within my grace period. But they don't just call me, they leave me on hold listening to music then send an operator on the line and if you hang up because you don't know who it is they consistantly call you back over and over again. They call you back to let you know your using your grace period then proceed with reading you a lenders legal document of your obligations to your loan agreement. But wait thats not all they will call you from 8am to 10pm. Thats right so if your snuggled up in bed you might have to wake up to talk to Countrywide home loans... how about some nice music to listen to while you sleep. Now you may think that I am talking about making a payment late but i'm not. I'm talking about using your fifteen day grace period which almost all of my friends and people I have talked to do. My credit score is 686 and all of my bills are paid ON TIME, with Country wide I feel like a loser, like someone who does not pay their bills.

I hate them so much I even made up an advertisement for them thought you would get a good laugh.

Do you need a home loan?
Are you feeling lonely?
Don't feel like enjoying your life because you need someone to put the thumb down on you.
Are you not happy with your life because your life is perfect.

WELL welcome to Countrywide home loans we will always be there to keep you company talking to you about your obligations to us, all day every day. We'll let you know we have our finger in your eye from 8am - 10pm. If you need money for a home take ours it comes with a lifetime GPS and Irritation.

DON'T GO WITH COUNTRYWIDE..... BAD MOVE


Left: October 12, 2004 By: Leslie In: Livonia

We experienced a serious problem with Country Wide in the closing of our home loan. We were overcharged and then had to pay a 294.00 PMI which we would never have had to pay had their costs for securing the loan not taken us over the 20% limit. We have recently refinanced with another company and have almost lost our home, all of our savings and had to purchase a home that costs $20,000.00 less than the one we had and still have a house payment that is three times what we paid for a bigger house. We sold our home for $40,000.00 more than we paid for the home we bought (through Countrywide) and still came out short on money. Interestingly at closing the costs were clearly in excess of what we had been quoted but we had already sold our home. We have been in debt ever since. We have written to several representatives of Countrywide with no assistance


Left: October 11, 2004 By: Sheila Olson In: Menominee, MI

Wow, I am soo glad to have discovered this site. My husband and I have been looking into buying our first home and we know someone who works for countrywide. We had thought about going and talking to him about buying a new home. Now I wouldn't go near that office if you paid me. I feel sorry for all the people who have been ripped off.

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