Countrywide Financial Rhode Island Home Loans Sucks

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

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

Need A Home Loan RI, 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 Rhode Island (RI) have been saying...

Rhode Island Home Loans Sponsored By US Home Loan
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Left: May 30, 2006 By: Kay In: Westerly RI

UPDATE and Retraction: I retract some of my comments. I have suffered from power mongers at the Westerly Town Hall making a mistake on my taxes and randomly charging me for a lot behind my house that just happened to belong to a man that had been stalking me and threatening me. He is a builder and has a real estate license and wants to belong to the Yacht Club (wannabee) and he is evil and a dui problem person. It was resolved in court with a restraining order. Randomly, I was charged for this male's lot. I retract some statements I made about Countrywide. I was wrong. In fact, Countrywide was so good, that it took less than a week to get my refund check but I did not get the thousand owed to me but only $143.00. I don't understand that. They said it was applied to my escrow account. That's a little cloudy to me. And still, Countrywide does not send me the correct bill for my monthly mortgage payment. It was supposed to be resolved when last month I got 3 different bills with different amounts. This month, I have the medium priced bill which is still incorrect. I am confused and feel shell shocked. I feel like just walking out the front door with my favorite things, getting in my car and leaving, never to purchase a home again. It's cheaper to rent and alot easier to get out of. This sucks. These (UN)professionals suck. Threats from realtors, mortgage people, builders, bankers suck. It all sucks. Maybe I'll buy a land yacht with cash and never have to deal with these type shmucks ever again. Then on a responsible note, I feel like selling my home myself on isoldmyhouse dot com. Good luck out there with the sharks!


Left: April 27, 2006 By: kay In: RI

www.ripoffreport.com get some action done on your rip off. I filed a complete report. It will be sent to countrywide, abc news, who did a story on all sorts of frauds, you can give a copy of your accounting to your attorney general's office, the better business bureau. You do have to register which is a little time consuming but it's worth it and it's free.



Left: April 27, 2006 By: Kay In: westerly RI

Thank you for posting about www.msfraud.org about insider information about how the scamming and extortion/embezzlement/stealing is done.

After reading that information, I realize that it was after I obtained Countrywide's "HELOC" (home loan) via the internet, is when my problems started with countrywide. I thought, Oh how greatly convenient it is that you don't have to go to an office and meet with someone and can do it in your own home at your computer. Then to sign papers, a notary, will meet you where ever you ask, even your home. I met the notary at a Wendy's in Coventry. She was nervous and strangely driving a real beater car. So it could be a huge scam that has nothing to do with Countrywide Home Loans but Countrywide can be ruined by this. I don't know what to think there are so many conspiracy theories running around. It is fraud and theft no doubt. But who is doing it is the question. There is no way that I am going to give a credit card number to buy on the internet or do any other kind of business on the internet. I'm going to close all my accounts. My house is sold. I will soon be rid of all accounts. There is something to be said for cash only transactions. Cash is king.
I'm not going to use another credit card and I will close all card accounts after I get out of this freaking nightmare.


Left: April 27, 2006 By: kay russo In: Westerly RI

After meeting with my local loan originator whose company is good and family owned. She cleared up my situation on the telephone. Countrywide-on-high told my mortgage originator next month (May 1st), Kay, will pay $1,502.83, however, the lost money for overpayment in taxes was all used up and only about 300 will be applied on reserve for this year's taxes. P.S. My tax bill is about 2 grand and it's not even May 1st and I paid already 1, 300 and change in taxes!! Now either someone is embezzling at my Town Hall Tax Assessor's office, a female, I had a "run-in" with on several occasions, OR someone is embezzling at Countrwide. NOTE: You'll love this one, I received THREE MORTGAGE BILLS FOR MAY 1ST FROM COUNTRYWIDE WITH THREE DIFFERENT AMOUNTS. 1)$1,502.83; 2)$1,550.44; 3)$$1,587.95!

I also see there is another unfavorable information site for countrywide. Just go thru google and put in countrywide sucks and there is now a second unfavorable information site.

I have a real estate lawyer who is also a judge so I am going to get to the bottom of this and Mrs. High and might at the Westerly Town Hall who has denied me 2 years in a row, the Veteran's Exemption, had better not be embezzling, because she will be behind bars so fast. Plus she is discriminating against Veteran's. She called me "VA Welfare" in front of a room of local tax payers. She also said "hey it's only a couple hundred bucks so what are sqwauking about" in front of people. She also said "oh I remember you, you're that one on welfare" to which I said, If I was on welfare, then, I would not be able to buy a house in this town, which is a seaside community. So it's either this awful discriminatory woman giving Countrywide the wrong tax information which countrywide claims, or it's embezzlement on the part of countrywide. Either way, me and the judge are going to find out the skinny and someone is going to pay me back. PLEASE TELL YOUR RHODE ISLAND FRIENDS AND NEIGHBORS, VETERANS, OR ANYBODY THINKING OF BUYING IN WESTERLY RI ABOUT MY POST HERE TODAY. SAVE THEM SOME TROUBLE THAT I HAVE SUFFERED FROM. THANKS.


Left: April 13, 2006 By: In:

Kay - please take a look www.msfraud.org. hit the "forum" icon. look for a post by Mr. Nye Lavalle. he pst under "Nye". send him an e-mail telling him about your issue. he will give good advice and go after these skunks. good luck


Left: April 12, 2006 By: K In: westerly RI

ALSO I WAS TOLD THAT IS DO NOT QUALIFY FOR A VETERAN'S ADMINISTRATION HOME LOAN WHEN I'VE BEEN QUALIFIED FOR YEARS! THEY SAID NO WAY BLAH BLAH BLAH...They are good at convincing. Would not even discuss it just NO.


Left: April 12, 2006 By: K In: Westerly, RI

I have also paid random bogus late fees. I know I'm being EXTORTED so it's like I have to pay no matter what or they have my credit score as hostage. What a bunch of sceming sick F's! Honestly I don't think it's a bunch of morons getting a little bundle. It's a very calculated multibillion dollar or sceme to screw you any which way and so greedy they hit you all ways so that it's so obvious and makes us angry as a swarm of bees. Their day will come if we call our Attorney General's office in any state. Sad thing is the less education people have, the less they know and they are being screwed especially the young first time buyers. I said OmG what the hell 125 more per month because of the middle east 2.6 billion per day plus everything else and Countrywide said yeah that goddam BUSH is screwing us all!!!! Ok countrywide blame the President. That's rich. Your days are numbered countrywide your name is soon to be MUD.


Left: April 12, 2006 By: Kay In: Westerly RI

Thank you Clucas in Rhode Island for the Attorney General contact information. Great advice.


Left: April 12, 2006 By: K in Westerly In: RHODE ISLAND

P.S. TO TOP PRODUCER trying to pull the wool,
I've had Chase Manhattan, Washington Mutual, AAA, my local credit union, People's mortgage corp of Taunton, MA, military credit unions, Wells Fargo, Fleet Mortgage Corp, now Bank of Ameica and I NEVER HAD ONE PROBLEM. Another thing loud mouth, your website SUCKS it too because for almost a year now they cannot put both my first mortgage and 2nd handy dandy mortgage (that you people lied to me about being a fixed rate)Together! The heloc loan does not have the capability in my lifeloan to be on the same site with the other. In fact there is no way I can even get into my heloc loan online. Countrywide -They'll go countrywide to fuck you anytime, anywhere, that's their guarantee.


Left: April 12, 2006 By: kay, shakin' it up! In: westerly, rhode island

I have had so many houses and rolled them over and so many companies. I've NEVER had a problem EVER and I know when I'm being lied to. There is no logical explanation and the numbers don't lie.
The woman kept saying okay? like I had to agree but signed nothing and at least for now it decreased supposedly but she is not refunding me money so it looks like I need a lawyer. She said I didn't because it's all there it's just all confusing to ME but she knows it checks out. Again thinking I'm an idiot because I forgot my calculator. Don't underestimate the shy mouse. I hate mofos(mean people).


Left: April 12, 2006 By: kay russo In: Westerly, Rhode Island

I have been over charged over 150.00 per month since Jan 2005. I have been overpaying. Plus they asked for a lump sum in Dec 2005 to be paid in January for over $650.00. I had all my paperwork. I was with a manager that got countrywide on the line. They were playing with numbers. My numbers are correct and indisputable. They said that my payment will be 80 bucks less next month. At first she said yes I will get back all the overpaid amount. She agreed I overpaid but then she changed her tune after being on the phone and said No, we had to use all that money to pay the town the taxes which were incorrect. If your tax payment is 1800 per year then it's easy to figure out. She said no I won't get a refund at all!! That's outright stealing. Then they have their handy dandy home loan HELOC loan they call it. They say it's a fixed rate and it's an outright lie.
For the heck of it, I asked for a pre-qualification letter today to see what they are offering. The rate jumped 5 points which is no reason to a 6.5 but then she said after I pay off the variable Heloc then this one will be a fixed rate of 8.75 call it 9%. In order to get a loan which I had no problem with GMAC last month, she said in order for me to qualify, I she had to do me some type of favor to fingagle a situation that would allow me to borrow what I need to borrow. She said your first mortgage will be ---- and your 2ND! MORTGAGE! will be___.
She said a second mortgage makes up the difference of the first and it will pay off the first 2nd mortgage and the countrywide/1st USA credit card which is also extorting me. They take over 2,000 per month from me. I want to get so far away. I was floored when she said my new house deal would include a fixed rate 2nd mortgage or home equity (heloc loan) which is what I'm pissed about and paying off. She's suggesting another deal like that and not only that, my 1st mortgage will be 80,000 dollars more because the prices have gone up. She supposedly fixed the tax problem but she didn't either because she said no money was coming back to me. Only the leftover in escrow account which is the normal no more than 500 bucks. But I over paid $125. 64 x4 plus I paid a lump sum of $645.00 and I just did it or else my credit rating would have been ruined. Like they are holding a gun to my head. Outright lie about fixed and variable rate. Lie about where the overpaid tax money went with some pack of lies. It's still not right. I'm calling her back tomorrow. It's not even logical. I overpaid so that money was overpaid. I deserve a refund. I said who does it come from countrywide or the Town. She say good luck getting it from the town, they NEVER give a refund. Now I feel I need a lawyer. But then you have to figure how long will it take, how much more will it take. How much did I lose. Well, they took about $1,1050.00 from me since January 2006. The only way I found out was in the news paper, The westerly sun 4-4-2006 said that the taxes are expected to go up from $10.30 per thousand per annual to $10.73 per annnual. That's a 130.00 increase per year in tax money. They have been charging me that amount per month times four. Plus they demanded over $600.00 saying there is an escrow deficit. I went to the town, they said, no it's very simple. I said ok. Then months went by. If I didn't read that newspaper article, then, countrywide would have screwed me for a long long time. And wow what a big NEW Mofo building they have now too. Before it was a dinky office. Now they want to be as big as Chase Manhattan or Bank of America. I'm going to call them and if I get no satisfaction I'm calling the better business bureau. The town, a lawyer, my congressman, and the attorney general's office and the office of the disabled because they are taking advantage of a disabled vet here. I suppose they prey on people that are less strong and have less education or something. So people be careful when asked to fill out a simple no nonsense questionaire under the guise that they care about making their business better. They want to know your age, name, gender, amount of education which I never understood until now---they are using it against rather tarketing people whom they think they can screw over. My mortgage is going down 80 bucks next month whoopie? I'm overpaying about $150.00 so where is the rest of it? Well, I'm told there has to be a "cushion" to pay the bills. She said I have a low amount but how is that when I just paid $650.00. COUNTRYWIDE A COUNTRYWIDE CONVOLUTED MESS TO SCREW THE CUSTOMER ROYALLY. Can't wait until these mofos are closed for good with a class action suit for discrimination and misappropriation of funds.
Be my guest and use what I've written to get things brewing in your state if they've screwed you. I could say hey it's only $1,000+ bucks, but since countrywide said that to me today, it's like the town telling me about a dog license, it's only another ten bucks when I lost my new tags. Hey ten bucks is ten bucks. Today it's not even a third of a tank of gas. COUNTRYWIDE DOES NOT CARE IF I GO BANKRUPT. I GOT A MAXED OUT MORTGAGE COMMITTMENT LETTER WITH A 2ND MORTGAGE ATTACHED TO IT. THAT IS A SURE FIRE WAY TO RUIN/BANKRUPTCY.
So tomorrow I make appointments to five new mortgage lenders. YOU GOTTA SHOP AROUND PEOPLE. YOU MUST TAKE THE TIME IF YOU VALUE YOUR QUALITY OF LIFE FOR LIFE.


Left: April 11, 2006 By: In:

Enron ? S&L crisis ? CHL ? Hmmmmmm


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: 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: 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: 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: 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: 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: 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 01, 2005 By: clucas In: rhode island

countrywide home loans is the worst ever good faith estimate promised was above and beyond everyone needs to contact there attorney general and make complaints beleive me when you say countrywide it is like a broken record over and over agian the attorney general in your state will know the name countrywide i strongly urge each and everyone to view and sumitt your complaint to http://www.ftc.gov/ also view all information on predatory lending


Left: January 19, 2005 By: Paul M. LLewellyn In: North Scituate, RI.

So glad I found your site. My battle with Countrywide Financial has been ongoing with the service sector. I am very busy with several business ventures in RI so for a while after Contrywide bought my mortgage I didn't pay much attention to the statement schedules. Seemed like every once in a while I would not receive a statement so of course my next months statement would reflect non-payment and late fee. When I inquired through the service dept. (Eric, Pamala, Les and others) I received such excuses as the statement was returned un-deliverable (I have no problem receiving their other correspondence addressed the same) or the statment is a curtesy and the payment method is not their concern, or I should pay on line etc. etc. I started to feel that this confusion??? might be on purpose to collect late fees. This senerio times a few thousand borrowers and nice litte buddle of cash. Thats what brought me to your web site I just new I was not alone. Any suggestions on how to proceed with complaints. I get nothing out of so-called supervisors so maybe BBB or such?

Thanks for letting me vent
Paul

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