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Countrywide Financial - Home Loans - Equity Loan Mortgages SUCKS!
Home Loans? Sub-prime (bad credit), Need money, Mortgage Refinance, Or Want A Home Equity Loan and dont want to get ripped off or have hiden fees on your Home Loans?
Need A Home Loan , 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 () have been saying...
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ADD YOUR STORY
Date: Sun 02/25/07 5:59PM
From: Billy
Message: THEY TOLD US THAT OUR REFI ON 2 PROPERTIES WOULD CLOSE IN 1.5 WEEKS. THE UNDERWRITER TOLD US THAT WE DID NOT NEED TO MAKE A MTG PAYMENT. 3.5 WEEKS LATER, AFTER BEING IGNORED, WE WERE DENIED DUE TO MY HUSBAND WOORKING FOR THE GOV AND THE INABILITY TO DIRECTLY CONTACT HIS EMPLOYER. THEY HAD BEEN SENT 20 YRS OF PAYCHECK STUBS. WE THAN WERE MARKED AS BEING LATE 60 DAYS ON A PAYMENT, OUR CREDIT SCORE DROPPED, AND THEY REFUSE TO HELP WITH ANY PAYMENT ARRANGEMENTS.TODAY I RECEIVE A LETTER STATING THAT OUR NEXT MTG PAYMENT WILL BE PUT INTO A FUND FOR CURRENT AND FUTURE LATE FEES.
THEY SUCK BEYOND SUCK
: Sat 03/28/15 6:30PM
: carlos hunter
: Hello,
Dear Loan Seekers i am Mr Carlos Hunter from United State of America (USA) i have been searching for a loan for more than 2years and all lenders i have get in touch with have rip me off more than $3,300.00, i thought there is no way i can get a loan online not on till the day a friend of mine called James Butler direct me to a legit and genuine loan lender called Mr Raj Thomas who lend me a loan of $75,000.00, am a happy man today and i promise my self that i will keep posting online about the good thing that Mr Raj Thomas has done in my life and the life of my family if you need a loan contact them today (rajthomasloanfirm@gmail.com) may the good lord bless Mr Raj Thomas and his company i pray God give them the spirit to continue with their generosity, thank you very much for taking your time to ready my story
: Sun 04/26/15 11:14PM
: Jimmy Wallace
: TESTIMONY ON HOW I GOT MY LOAN.
Complement of the day, My name is Jimmy Wallace, I am from Texas USA, I have been searching for a genuine loan for the past 5 months now and all I got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, I got confused and frustrated,then i find it very difficult to feed my family, I never wanted to have anything to do with online loans again, so I went to borrow some money from a friend, I told him all that happened and he said he can help me, that he knows a honest lender that can help me, that he just got a loan from Mrs Julian Smith, he directed me on how to apply, I did as he told me, I applied, I never believed but I tried and to my greatest surprise I got the loan of $87,000 on the 23rd of April 2015 within 48 hours, I could not believe, I am happy and rich again and I'm thanking God, because i don't believe honest lenders like this still exist upon the high rate scams all over the globe, I would recommend this honest lender to everyone! here is the email that i used in contacting her: juliansmith14@hotmail.com
: Sun 05/17/15 4:21PM
: Anthony Lucas
: Good day Loan Seekers here comes a Solution for your financial problems, I Am Mr. Anthony Lucas a legitimate loan lender that offer loan to the less financial privilege bad credit scores accepted have you been looking for a loan for any purpose do you need a loan to start a business here comes the end of your financial problems our terms and conditions are very simple and the interest rate are considerable we give loans out with a low interest rate of 2%. You will never regret anything in this loan transaction because i will make you smile. because you were not born to be a loser i want you to understand the fact that we give out long term and short time loans what are you waiting for asap why don't you try Mr. Anthony Lucas Loan home and be free from debts Our company has recorded a lot of breakthroughs in the provision of first cla** financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans, are you in need of any type of loan any interested client should contact me asap (anthonylucasloanhome@yahoo.com)
: Sat 05/30/15 11:01AM
: Anthony Lucas
: Good day Loan Seekers here comes a Solution for your financial problems, I Am Mr. Anthony Lucas a legitimate loan lender that offer loan to the less financial privilege bad credit scores accepted have you been looking for a loan for any purpose do you need a loan to start a business here comes the end of your financial problems our terms and conditions are very simple and the interest rate are considerable we give loans out with a low interest rate of 2%. You will never regret anything in this loan transaction because i will make you smile. because you were not born to be a loser i want you to understand the fact that we give out long term and short time loans what are you waiting for asap why don't you try Mr. Anthony Lucas Loan home and be free from debts Our company has recorded a lot of breakthroughs in the provision of first cla** financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans, are you in need of any type of loan any interested client should contact me asap (anthonylucasloanhome@yahoo.com)
: Mon 07/27/15 10:58PM
: Dr. Robert Jack
: Here comes an Affordable loan that will change your life for ever, I am Dr. Robert Jack a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. Our company has recorded a lot of breakthroughs in the provision of first cla** financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.i want you to understand the fact that i Dr. Robert Jack is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans,and student loans what are you waiting for asap why don't you try Dr. Robert Jack Loan home and be free from debts any interested client should contact me asap (dr.robertjackloans@gmail.com)
: Fri 08/28/15 11:55PM
: Dr. Robert Jack
: Here comes an Affordable loan that will change your life for ever, I am Dr. Robert Jack a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. Our company has recorded a lot of breakthroughs in the provision of first cla** financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.i want you to understand the fact that i Dr. Robert Jack is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans,and student loans, personal loans, Debts Consolidation Loans, what are you waiting for asap why don't you try Dr. Robert Jack Loan home and be free from debts any interested client should contact me asap (dr.robertjackloans@gmail.com)
: Fri 08/28/15 11:56PM
: Dr. Robert Jack
: Here comes an Affordable loan that will change your life for ever, I am Dr. Robert Jack a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. Our company has recorded a lot of breakthroughs in the provision of first cla** financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.i want you to understand the fact that i Dr. Robert Jack is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans,and student loans, personal loans, Debts Consolidation Loans, what are you waiting for asap why don't you try Dr. Robert Jack Loan home and be free from debts any interested client should contact me asap (dr.robertjackloans@gmail.com)
: Tue 10/20/15 3:24PM
: Mr Ahmad Zuhdy
: Hello,
We offer Loans to individuals, Firms and cooperate bodies at 3%
interest rate per annual, The Minimum amount you can borrow is
$2,000.00 US Dollars to Maximum of $10.Million.Please, provide the
following:
HERE IS THE INFORMATION NEEDED FROM YOU TO PROCESS A LOAN.
1)YOUR NAME……………….
2)YOUR COUNTRY…………….
3)YOUR OCCUPATION………….
4)YOUR MARITAL STATUS………
5)PHONE NUMBER…………….
6)MONTHLY INCOME…………..
7)ADDRESS…………………
8)PURPOSE OF LOAN………….
9)LOAN REQUEST…………….
10)TELEPHONE………………
11)LOAN TERMS AND DURATION…
Company Email:ahmadzuhdyfirm99@hotmail.com
Mr Ahmad Zuhdy
CUTFORTH LOAN FIRM.
: Tue 10/20/15 3:24PM
: Mr Ahmad Zuhdy
: Hello,
We offer Loans to individuals, Firms and cooperate bodies at 3%
interest rate per annual, The Minimum amount you can borrow is
$2,000.00 US Dollars to Maximum of $10.Million.Please, provide the
following:
HERE IS THE INFORMATION NEEDED FROM YOU TO PROCESS A LOAN.
1)YOUR NAME……………….
2)YOUR COUNTRY…………….
3)YOUR OCCUPATION………….
4)YOUR MARITAL STATUS………
5)PHONE NUMBER…………….
6)MONTHLY INCOME…………..
7)ADDRESS…………………
8)PURPOSE OF LOAN………….
9)LOAN REQUEST…………….
10)TELEPHONE………………
11)LOAN TERMS AND DURATION…
Company Email:ahmadzuhdyfirm99@hotmail.com
Mr Ahmad Zuhdy
CUTFORTH LOAN FIRM.
: Thu 04/21/16 4:29PM
: Mr. Scott Watson
: Here comes an Affordable loan that will change your life for ever, I am Mr. Scott Watson a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate. I Mr Scott Watson is out to help the less financial privilege achieve their dreams have you been looking for a legitimate loan lender online here end your financial problem my mission is to help the less financial privilege get back on track my company have help a lot of companies and individual in business and paying back their arrears bills are you in need of any type of loan We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans,student loans, personal loans, Debts Consolidation Loans, what are you waiting for asap why don't you try Mr. Scott Watson Loan home and be free from debts any interested client should contact me asap (scottwatsonloanhome@gmail.com)
: Sun 06/5/16 2:14PM
: Mr Carlos Hunter
: Hello,
Dear Loan Seekers i am Mr Carlos Hunter from United State of America (USA) i have been searching for a loan for more than 2years and all lenders i have get in touch with have rip me off more than $3,500.00, i thought there is no way i can get a loan online not on till the day a friend of mine called James Butler direct me to a legit and genuine loan lender called Dr. Powell Garcia who lend me a loan of $150,000.00, am a happy man today and i promise my self that i will keep posting online about the good thing that Dr. Powell Garcia has done in my life and the life of my family if you need a loan contact them today (dr.powellgarcialoans@gmail.com) may the good lord bless Dr. Powell Garcia and his company i pray God give them the spirit to continue with their generosity, thank you very much for taking your time to ready my story
: Mon 07/11/16 3:51AM
: Mrs. Ceren
: WELCOME TO PERGO CORPORATE FINANCE,(PCF), pergocf@fastservice.com aims is to provide Excellent Professional Service.
WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
Do you need Financial Assistance? We can help you
We give out loan with an Interest rate of 1.0%
Please, contact us for more information: pergocf@fastservice.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed...$, €, £:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- Name of the Site:
If you are interested to get a loan then kindly write us with the loan requirement.
Please, contact us for more information: pergocf@fastservice.com
Yours Sincerely,
Mrs. Ceren Kelly
pergocf@fastservice.com
We look forward to hear from you ASAP.
: Fri 07/15/16 10:25AM
: Speeckaert Bernard
: We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
2. Total Face Value: 10M MIN to 50B MAX USD or Euro
3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
4. Age: One Year, One Day
5. Leasing Price: 4+ 1%
6. Sale Price: 32+2%
7. Delivery by SWIFT .
8. Payment: MT103-23
9. Hard Copy: Bonded Courier within 7 banking days.
If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.
Name : Speeckaert Bernard.
E-mail : speeckjulesbern@gmail.com
Skype id : speeckbern47
: Thu 03/9/17 11:35AM
: Ceren
: Affordable Loan Offer
Do You Need A Business Loan?
Interested applicants should Contact us via email: PergoCF@gmail.com
Interested applicants should Contact us via email: bayport@safrica.com
A Personal Loan? At 1.00%
Name,Amount,Country,Loan Durations,Phone, Mobile:
Please, contact us for more information: PergoCF@qualityservice.com
Interested applicants should Contact us via email: PergoCF@aol.com
Interested applicants should Contact us via email: bayport@safrica.com
Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Interested applicants should Contact us via email: bayport@safrica.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
Please, contact us for more information: PergoCF@qualityservice.com
Interested applicants should Contact us via email: bayport@safrica.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.
: Thu 04/6/17 5:43PM
: PergoCF@gmail.com
: Do You Need A Business Loan,Or A Personal Loan,At 1.0% If Yes? Name,Amount,Country,Loan Durations,Phone Mobile:Please, Interested applicants should Contact us via email: PergoCF@gmail.com , ( PergoCF@qualityservice.com ) , PergoCF@cheerful.com
Do You Need A Personal Loan Or Business Loans? If Yes Email: Your Name:Amount needed:Duration:Country:Mobile:Contact Us Via Email: PergoCF@qualityservice.com
Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com , ( PergoCF@qualityservice.com ) , PergoCF@cheerful.com
Interested applicants should Contact us via email: PergoCF@cheerful.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
Please, contact us for more information: PergoCF@qualityservice.com
Interested applicants should Contact us via email: PergoCF@cheerful.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@qualityservice.com
PergoCF@gmail.com
PergoCF@cheerful.com
We look forward to hear from you ASAP.
: Wed 05/10/17 8:05AM
: Dr. Ezra Sebastian
: DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU
We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 72 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $500 million.
Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can a**ist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)
DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.
Our services include the following:
*Truck Loans
* Personal Loans
* Debt consolidation loans
* Car Loans
* Business Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans
We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com)
NOTE:Bear in mind that it will only take less than 72 Hours to process your file is 100% Guaranteed no matter your Credit Score.
Yours Sincerely,
Dr. Ezra Sebastian
We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.
Get your instant loan approval
: Mon 05/22/17 5:37PM
: Dr. Ezra Sebastian
: DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?
We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.
Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can a**ist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)
DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.
Our services include the following:
*Truck Loans
* Personal Loans
* Debt consolidation loans
* Car Loans
* Business Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans
We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com)
NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.
Yours Sincerely,
Dr. Ezra Sebastian
We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.
Get your instant loan approval
: Mon 05/22/17 9:26PM
: Mark Andrew
: Finding a genuine provider of financial instrument is very challenging but we are certified Financial Instrument providers in United Kingdom. Presently, we only focus on BG/SBLC for Lease and Sale transactions. However, our Lease BG/SBLC is 6+2% and Sale at 40+2%.
Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with draft Contract/MOU within 48hrs maximum.
Please request for full procedure details if interested.
For further inquiry contact:
Mark Andrew
Skype:andrewmark1996
Email:andrewmarkhill360@gmail.com
: Sun 06/4/17 9:50AM
: Mrs. Ceren
: Affordable Loan Offer ( PergoCF@cheerful.com )
Do You Need A Business Loan? ( PergoCF@gmail.com )
Interested applicants should Contact us via email: ( PergoCF@qualityservice.com )
Do You Need A Business Loan,Or A Personal Loan,At 1.0% If Yes? Name,Amount,Country,Loan Durations,Phone Mobile:Please, Interested Applicants Should Contact Us Via Email: PergoCF@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed...$, €, £:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- Name of the Site:
Interested Applicants Should Contact Us Via Email: PergoCF@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.com
Yours Sincerely,
Mrs. Ceren Kelly
Interested Applicants Should Contact Us Via Email: PergoCF@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.com
We look forward to hear from you ASAP.
: Tue 06/20/17 4:25PM
: Dr. Ezra Sebastian
: DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?
We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.
Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can a**ist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)
DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.
Our services include the following:
*Truck Loans
* Personal Loans
* Debt consolidation loans
* Car Loans
* Business Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans
We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com)
NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.
Yours Sincerely,
Dr. Ezra Sebastian
+1 (850)846-6235
We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.
Get your instant loan approval
: Sun 07/30/17 8:17PM
: Danzmann Horst
: We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft
{CBD} as well as other financial instruments issued from Top AA Rated bank such as HSBC Bank Plc, Deutsche Bank AG
Frankfurt, Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the
instrument needed.
We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our
instrument description.
TRANSACTION DESCRIPTION:
1. Instrument: Bank Guarantee (BG) or Standby Letter of Credit (SBLC)
2. Total Face Value: Euro/USD 1,000,000.00 – Euro/USD 5,000,000,000.00
3. Issuing Bank: HSBC Bank London, Barclays Bank London, Deutsche Bank AG Frankfurt etc.
4. Age: One Year and One Day (With the option of Rolls and Extension)
5. Leasing Fee: 4% + 2%
6. Purchsing Fee: 32% + 2%
7. Delivery: Bank to Bank Swift MT799/MT760
8. Payment: MT103
9. Hard Copy: By Bank Bonded Courier within 7 banking days after delivery of Swift.
Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence,
we will work together for the benefits of all parties involved.
All relevant business information will be provided upon request plus our terms and
procedures.
All inquires to Mr Danzmann Horst should include the face value and bank instrument information needed so I can quickly
address your needs:
If Interested kindly contact me via
Contact: Danzmann Horst
Email: horstdanz@outlook.com,horstdanz600@gmail .com
Skype: Danzmann Horst
: Tue 08/1/17 4:33PM
: Ciaran Sheridan
: Finding a genuine provider of financial instrument is very challenging but we are certified Financial Instrument providers in United Kingdom. Presently, we only focus on BG/SBLC for Lease and Sale transactions. However, our Lease BG/SBLC is 4+1% and Sale at 32+2%.
Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with draft Contract/MOU within 48hrs maximum.
Please request for full procedure details if interested.
For further inquiry contact:
Name : Ciaran Sheridan
E-mail : ciaransheridan453@gmail.com
Skype id : ciaransheridan453@gmail.com
: Thu 08/17/17 12:23AM
: frank nelson
: How I restored my dying business and paid mortgage
Compliment of the day to you all,
I'm a father of 2 kids from Modesto, California, I am so grateful to Marlena Investments Limited for granting me a loan sum of $135,000 on the 27th of July 2017 to restore my dying business and pay mortgage, through the help of Mrs Marlena Chris who is the director of the company, They saved me from loosing my home. This message might be of help to you out there in need of a genuine loan in other for you not to fall into the wrong hands while search of a liable loan, my advice to you is to contact this company via email: marlenainvestmentslimited@yahoo.com
mobile,whatsapp number:+ (539) 888-2243
....
: Fri 08/18/17 10:52PM
: olivia chris
: GET AN URGENT LOAN FOR BUSINESS START UP IN USA
Hello I am Olivia Chris. i have gone through a lot searching for a loan. Thank-God i found this woman Mrs MORGAN from COURTNEY INVESTMENT LIMITED. i never imagined that i could get a loan from this company but i put my hope in God, trusted Mrs. Morgan . It worked for me. i received my loan July 15 a day i will never forget because i am boosting my business up with the loan. you can get yours now by contacting them on their company email address
courtneyinvestmentlimited@yahoo.com
Best Regards
: Tue 09/26/17 11:41PM
: harrison saban
: Are you looking for financing source such as Bank Guarantee (BG) and Standby Letter Of Credit (SBLC)?
I am a direct mandate to a Financial Institution who is also known as private lender specialized in the Lease of Bank / Financial Instruments in the form of Bank Guarantees (BG), Standby Letter of Credit (SBLC), Doc**entary Letter of Credit (DLC), Letter of Credit (LC), Performance Bonds (PB);
Whether you are new starting up, medium or large establishment that needs a financial solution to fund/get your project started or an established business looking for extra CAPITAL to expand your operations, our company renders all the credible and trusted bank guarantee providers who are willing to fund and give financing solutions that suits your specific business needs.
We help/a**ist you secure SBLC and bank guarantee (BG) for your trade and investment from world ranked Banks such as; HSBC, Barclays Deutsche Bank Frankfurt, and Any A rated Bank in Europe e.t.c
DESCRIPTION OF INSTRUMENT:
(1) Instrument: Bank Guarantee {BG} /StandBy Letter of Credit.{SBLC} (Appendix A).
(2) Total Face Value: Eur/USD 1M{Minimum} to Eur/USD 10B{Maximum}.
(3) Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
(4) Age: One Year and One Day.
(5) Leasing Price: 5% of Face Value plus 2% commission.
(6) Delivery: bank to bank SWIFT MT-799 and/or MT-760.
(7) Payment: MT103 (TT/WT).
(8) Hard Copy: Bonded Courier Service.
RWA ready to close leasing with any interested client in few banking days
We will be glad to share our working procedures with you upon request to help us proceed towards closing deals effectively.
For further inquiry contact
Email : Saban.financialbg@gmail.com
Skype : Saban.financialbg
: Fri 11/3/17 6:25PM
: Ceren
: Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@gmail.com
: Sun 12/17/17 10:33PM
: Derek Barlow
: Greetings to the entire public,
PLEASE EVERYONE BEWARE OF THE DUPLICATE OF THIS POST BY FAKE AND NON-REGISTERED LOAN FIRM THAT WILL JUST CHANGE THE NAME AND EMAIL ADDRESS TO DECEIVE AND SCAM PEOPLE. THE WORLD OUT THERE SHOULD BE AWARE BY NOW THAT THERE IS ONLY ONE SINGLE AND REAL LOAN FIRM NOW WHICH IS DEREK BARLOW LOAN FIRM / INVESTMENT.
I am Dr Derek Barlow, I am a man that have come to put away every thought / reason that is virtually in EVERY ONE'S MIND THAT ARE SAYING THAT THERE ARE NO RELIABLE
LOAN LENDER'S ONLINE THAT CAN GIVE LOANS AGAIN / ANYMORE. As at now we all know that there are a lot of scammers searching for our legitimate doc**ents to use for fraudulent act, So i Dr Derek Barlow HAS COME TO ANNOUNCE TO THE ENTIRE PUBLIC THAT I HAVE got some money to Lend out to serious,TRUSTWORTHY and Prospective CLIENTS THAT ARE IN NEED OF LOANS,any person/organization who HAVE BEEN LOOKING FOR LOAN or LOANS AND HAVE NOT GOTTEN THE LOAN ON TILL NOW SHOULD send their contact or apply via email: derekbarlowloans@yahoo.com .Services rendered include; Refinance,Home Improvement,Investment Loan,Auto Loans,Debt Consolidation,Line of Credit,Second Mortgage,Business Loans,Personal Loans,Car Loan,Auto Loan, To mention but a few. AND I HAVE ALSO COME TO TELL THOSE BORROWERS THAT WILL APPLY FOR LOAN AND DO NOT PAY BACK THAT In the book Of Mark 8:36: 36 "For what shall it profit a man, if he shall gain the whole world, and forfeit his own soul?" I REFER YOU TO THE SAID BIBLE REFERENCE THOSE THAT HAS THE MIND OF RUNNING AWAY WITH LOANS THAT HAS BEEN GRANTED TO YOU IN GOOD HEART BECAUSE WE ARE ALL PASSING BY ON EARTH AS WE SHALL MEET OUR MARKER ONE DAY, ALSO GET IT NOTED THAT IF YOUR INTENTIONS IS TO COME AND TAKE ADVANTAGE OF OUR TRUSTWORTHINESS AND RELIABILITY OF GRANTING LOANS ONLINE IN RESPECTIVE OF YOUR LOCATION ON EARTH, I BET YOU YOU WILL BE CAUGHT AS OUR FBI AGENTS ARE ON GUARD. I WILL LIKE TO TELL YOU ALL ALSO THAT I HAVE COME TO WIPE AWAY THOSE TEARS THOSE ONLINE FRAUDSTER / RIP OFF ARTIST HAVE CAUSED TO YOU ALL IN THE NAME THAT THEY ARE LOAN LENDERS. SO THOSE IN NEED OF THIS LOAN FIRM SERVICES SHOULD SEND THERE CONTACTS TO ONE OF THE ABOVE EMAIL ADDRESS FOR URGENT ATTENTION. AND ALSO I WANT TO LET THOSE THAT HAVE BEEN SCAMMED BEFORE NOT TO COMPARE THIS LOAN FIRM SERVICES WITH THE PREVIOUS ONE THEY ENCOUNTERED THERE SELF WITH IN THE PAST !! NOTE: YOU THAT IS ABOUT TO APPLY FOR THIS LOAN MUST HAVE Trust,Courage,Faith.BECAUSE THEY ARE THE KEY TO ANY TRANSACTION IN THIS WORLD !! AND IF YOU DO NOT HAVE THEM PLEASE AND PLEASE DON'T APPLY AS WE ONLY NEED SERIOUS MINDED CUSTOMERS HERE THAT ARE READY AND SERIOUS TO COMPLY WITH THE PROCESS OF THIS LOAN TRANSACTION WITHOUT GIVEN US ROOM TO SUSPECT THAT THEY FRAUDSTERS / ON-SERIOUS CUSTOMERS.
: Tue 01/30/18 7:21PM
: AZRA ISHAQUE
: We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly
renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.
Contact name: Azra Ishaque
Email : lintel.financialservicesplc@gmail.com
Skype : lintel.financialservicesplc
: Tue 01/30/18 7:21PM
: AZRA ISHAQUE
: We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly
renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.
Contact name: Azra Ishaque
Email : lintel.financialservicesplc@gmail.com
Skype : lintel.financialservicesplc
: Mon 02/19/18 7:16AM
: Tommy Champion
: We are Providers of all types of BG and SBLC with the best workable procedures. Our BG/SBLC ranges from MT799, MT760,(Both two way confirmation), MT103/23, MT103 (Both can be one way confirmation and two way confirmation) in USD and EUROS. Issuing Bank ranges from Top world 25 banks with face value ranging from 1M EUROS/USD to 5B EUROS/USD
BROKERS ARE WELCOME & 100% PROTECTED!!!
Intermediaries/Consultants/Brokers are welcome to bring their clients and cases to our attention and in complete confidence we will work together for the benefits of all parties involve
For further details contact us with the below information Thank you.
Contact Person: Mr. Tommy Champion
Email: trustco.financeplc@gmail.com
Skype ID: trustco.financeplc
: Mon 02/26/18 10:05AM
: PergoCF@gmail.com
: Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com
Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com
We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com
WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
Yours Sincerely,
Mr. Ren Hya
PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
We look forward to hear from you ASAP
Interested applicants should Contact us via email: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
: Sat 03/10/18 5:54AM
: Patrick Mc Brearty
: Finding a genuine provider of financial instrument is very challenging but we are certified Financial Instrument providers in Ireland. Presently, we only focus on BG/SBLC for Lease and Sale transactions. However, our Lease BG/SBLC is 4+2% and Sale at 32+2%.
Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with draft Contract/MOU within 48hrs maximum.
Please request for full procedure details if interested.
For further inquiry contact:
Name : Patrick Mc Brearty
E-mail : patrickmcbrearty007@gmail.com
Skype id : patrickmcbrearty007@gmail.com
: Mon 04/16/18 2:58PM
: nagesh s belur
: Dear Sir/Ma,
We are direct provider for BG/SBLC specifically for lease, at leasing price of (3.0 + 0.5 + X)% of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.
Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding : For further details contact us with the below information.
Contact : Nagesh S Belur
Email: bnsrlease.mandate@gmail.com
Skype ID: bnsrlease.mandate
Intermediaries / Consultants / Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together
: Mon 05/28/18 7:40PM
: Taylor Greogory
: We can deliver Financial service/instruments(BG/SBLC/MTN/DLC/LC) at an affordable price to our customers in other to derive maximum utility. We understand that finding the right company to provide financial instrument is not easy. We are certified financial company that delivers banking instrument for lease which we adhere to our terms and condition. Over 99% of our clients are satisfied with our work whether it is business or financial service.
Purchase rate : 32% + 2%
Lease rate : 3% + 2%
Once the transaction is in progress, we ensure we keep you posted on the progress of your paper. We also get you connected to the provider for personalized service. Instead of stressing yourself out looking for financial instrument or company why not let professional like us deliver financial instrument to you within the time frame required by you.
Please contact for advise with full details for our financial solution services.
Email.... moathfinance@outlook.com
Taylor Gregory
: Wed 06/13/18 2:42AM
: Walsh Robert
: We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,hsbc bank etc
We provide BG, SBLC, LC, LOAN and lots more for client all over the world.
Equally,we are ready to work with Brokers and financial
consultants/consulting firms in their respective countries.
We are equally ready to pay commission to those Brokers and financial
consultants/consulting firms.
Awaiting a favourable response from you.
Best regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
: Mon 07/2/18 6:45AM
: Prof. Claude Pentecost
: APPLY TODAY FOR QUICK AND CONVENIENT LOANS – WE OFFER ALL KIND OF LOANS at Email: profclaudecapital@gmail.com WhatsApp Number: +19292227023
Here comes an Affordable and Legit Loan that will change your life for ever, I am Prof.Claude Pentecost a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. Email us via (profclaudecapital@gmail.com) have you been looking for a quick and legit loan online why don't you try Capital Management Inc. loan company and be free from debts note getting a loan from this company is 100% a**ured and guaranteed. It will be a great joy to us when you are financially stable Email us via profclaudecapital@gmail.com
: Mon 08/6/18 2:17PM
: Walsh Robert
: We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,hsbc bank etc
We provide BG, SBLC, LC, LOAN and lots more for client all over the world.
Equally,we are ready to work with Brokers and financial
consultants/consulting firms in their respective countries.
We are equally ready to pay commission to those Brokers and financial
consultants/consulting firms.
Awaiting a favourable response from you.
Best regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934
: Thu 09/20/18 10:17AM
: Walsh Robert
: We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc
We provide BG, SBLC, LC, LOAN and lots more for clients all over the world.
We are equally ready to work with Brokers and financial
consultants/consulting firms in their respective countries.
Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned
We hope to establsih a long term business relationship with you even after this first trial
Regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934
Registered No: 04374045
: Mon 02/4/19 11:53PM
: Walsh Robert
: We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc
We provide BG, SBLC,and lots more for clients all over the world.
We are equally ready to work with Brokers and financial
consultants/consulting firms in their respective countries.
Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned
We offer certifiable and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions. We are RWA ready to close leasing with any interested client in few banking days
We hope to establish a long term business relationship with you even after this first trial
Regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934
Registered No: 04374045
: Thu 03/14/19 10:51AM
: Steve Mendez
: Cow /Ox Gallstones for sale for (wholestone / brokenstone ratio)
We are full time exporter of high quality natural ox gallstone. Our product obtained from disease free cattle. Price depends on ratio of wholestone / brokenstone.
Contact us on our direct email
Email: (stevemendez84@gmail.com)
: Thu 03/14/19 10:53AM
: Celina Ramone
: Pure CBD Isolate Powder,
#1 Wholesale & Distributors of CBD Products for Sale | Wholesale & Bulk
We are the largest Bulk and Wholesale Suppliers of Pure CBD,Organic Hemp CBD, CBD Hemp Oils,
CBD Isolate Powders, CBD Crystals.
Contact us.
Email:celinaramone@gmail.com
: Sat 04/6/19 7:21PM
: Puthai Nattaradol
: We are able to finance your signatory
projects and help you enhance your
business plan. Furthermore, our
financial instrument can be used for
the purchase of goods from any
manufacturer irrespective of their
location. It can also serve as
collateral with any bank in the world
to secure loans for your project or to
activate credit line to finance your
business plan. We have {BG}, Standby
Letter of Credit {SBLC}, Medium Term
Notes {MTN}, Confirmable Bank Draft
{CBD} as well as other financial
instruments issued from AAA Rated bank
such as HSBC Bank Hong Kong, HSBC Bank
London, Deutsche Bank AG Frankfurt,
Barclays Bank , Standard Chartered Bank
and others on lease at the lowest
available rates depending on the face
value of the instrument needed.
Email : nat.mandate18@gmail.com
Skype : nat.mandate18@gmail.com
Regards
Nat
: Tue 07/2/19 8:16PM
: david verney
: We Offer Secured Verifiable BG/SBLC Instruments
We are specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.
We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.
The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank doc**ents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.
DESCRIPTION OF INSTRUMENT:
Instrument: Bank Guarantee (BG/SBLC).
Total Face Value: Minimum of 1M Eur/USD (One Million Eur/USD) to Maximum of 5B Euro/USD(Five Billion Eur/USD).
Issuing Bank: HSBC London, Barclays Bank, Deutsche Bank Frankfurt, Hong Kong, Any AA rated Bank in Europe or any Top 25 WEB.
Age: One Year, One Day
Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
Delivery: Bank to Bank SWIFT.
Payment: MT-760.
Hard Copy: Bonded Courier within 7 banking days.
All relevant business information will be provided upon request plus our terms and
procedures.
Contact name: David Verney
Email : davidverney18@gmail.com
skype davidverney18@gmail.com
: Fri 07/5/19 12:49PM
: Nancy White
: A MUST READ: HOW I GOT MY LOAN OF $375,000.00 FROM THIS GREAT COMPANY CALLED LANDON LUIS HOME LOANS
Hello to All across the globe, I am Nancy White , from United State Of America, USA. I am a single mother of four kids and I was stuck in a financial situation and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not fall prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you will not hear from them again they have done it to me three times before i come in contact with Landon Luis Home Loans the most interesting part of it is that my loan was transfer to me within 72hours so I will advice you to contact Landon Luis Home Loans if you are interested in getting loan and you are sure you can pay them back on time you can contact them via email……… (landonluishomeloans@gmail.com) Phone: call/text+1 +1 (929) 377-6816 No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Landon Luis Home Loans today for your loan
They offer all kind of categories of loan they
Short term loan (1_10years)
Long term loan (20_30 years)
They offer loan like
*Property Purchase loans................... Home loan............., Business loan........
Debt consolidation loan .......Refinance Loan..........,Business start up loan
Farm loan....... , Company loan..............Mortgages loan
construction loan.....car loan........ hotel loan....personal loans..property loans etc
Email..........(landonluishomeloans@gmai l.com) Phone: call/text+1 +1 (929) 377-6816
When it comes to financial crisis and you need to be free from financial crisis then Landon Luis Home Loans is the place to go please just tell them that Nancy White direct you Good Luck....
: Thu 07/11/19 12:44AM
: Guan
:
We offer Purchase, refinance and cash out loans available,Personal and Business Loan up to $100 million.Primary, second homes, investment properties OK,Cash out financing can be applied to meet reserve requirements.......guandavid983@gmail.co m,1(702) 687 4975
: Sun 09/15/19 5:06PM
: WE OFFER LEASE BG,SBLC AND MTN
: We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.
We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.
The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank doc**ents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.
We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. brianjson19@gmail.com
Regards,
Brian
Skype;
brianjson19@gmail.com
: Wed 09/18/19 1:04AM
: mr roland johnson
: A MUST READ: HOW I GOT MY LOAN OF $375,000.00 FROM THIS GREAT COMPANY MR ROLAND JOHNSON LOAN OFFER
Hello to All across the globe, I am Nancy White , from United State Of America, USA. I am a single mother of four kids and I was stuck in a financial situation and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not fall prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you will not hear from them again they have done it to me three times before i come in contact with Mr Roland Johnson Loans the most interesting part of it is that my loan was transfer to me within 72 hours so I will advice you to contact Mr Roland Johnson Loans if you are interested in getting loan and you are sure you can pay them back on time you can contact them via email (mrrolandjohnson62@gmail.com) Phone: call/text+393510088371 No credit check, no co signer with just 3% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr Roland Johnson Loans today for your loan
They offer all kind of categories of loan they
Short term loan (1_10 years)
Long term loan (20_30 years)
They offer loan like
*Property Purchase loans................... Home loan............., Business loan........
Debt consolidation loan .......Refinance Loan..........,Business start up loan
Farm loan....... , Company loan..............Mortgages loan
construction loan.....car loan........ hotel loan....personal loans..property loans etc
Email (mrrolandjohnson62@gmail.com) Phone: call/text+393510088371
When it comes to financial crisis and you need to be free from financial crisis then Landon Luis Home Loans is the place to go please just tell them that Nancy White direct you Good Luck
Thanks
Mr Roland Johnson.
: Thu 10/17/19 12:53PM
: May Gary
: We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
2. Total Face Value: 10M MIN to 50B MAX USD or Euro
3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
4. Age: One Year, One Day
5. Leasing Price: 4 1%
6. Sale Price: 32 2%
7. Delivery by SWIFT .
8. Payment: MT103-23
9. Hard Copy: Bonded Courier within 7 banking days
We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.
Name:May Gary
Email:algecoglobalfinanceplc@gmail.com
Skype::algecoglobalfinanceplc
: Fri 12/6/19 4:32AM
: Philip James
: LOANS, BG/SBLC FOR LEASE AND PURCHASE
We are exclusive agent to direct providers of Fresh Cut BG, SBLC, MTN Bonds, Bank draft and Loans which we have specifically for lease. We do not have any broker chain in this offer or get involved in Chauffer driven offers. We deliver with time and precision as set forth in the agreement. You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc.
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD) .
3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 3% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.
The Leased Instruments includes: BG’ s, Insurance Guarantees, MTN, ( SBLC) Standby Letters of Credit and Third Party Guarantees such as a standby forward commitment to purchase or a standby loan. If you are a potential Investor or Principle looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with all the details regarding this services.
Our BG/ SBLC Financing can help you get your project funded, loan financing, please let me know if you are interested in any of our services, by providing you with yearly renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding.
BROKERS ARE WELCOME & 100% PROTECTED!!!
We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.
Regards
Philip James
Email: info.frjames1971@gmail.com
Skype: info.frjames1971@gmail.com
call/sms/whatsapp +14243316469
: Wed 01/15/20 8:23AM
: Richardson Smith
: We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
2. Total Face Value: 10M MIN to 50B MAX USD or Euro
3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
4. Age: One Year, One Day
5. Leasing Price: 4+ 1%
6. Sale Price: 32+2%
7. Delivery by SWIFT .
8. Payment: MT103-23
9. Hard Copy: Bonded Courier within 7 banking days.
If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service
Name: Richardson smith
Email: richardsonsmith365@gmail.com
: Sat 04/4/20 7:12PM
: Finn Walsh
: We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
2. Total Face Value: 10M MIN to 50B MAX USD or Euro
3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
4. Age: One Year, One Day
5. Leasing Price: 4+ 2%
6. Sale Price: 32+2%
7. Delivery by SWIFT .
8. Payment: MT103-23
9. Hard Copy: Bonded Courier within 7 banking days.
If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.
Name : Finn Walsh
E-mail : everydayfinancedesignated@gmail.com
Skype id : everydayfinancedesignated@gmail.com
: Thu 04/23/20 5:46AM
: John Tim
: We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.
Contact : Mr. DARREN C CHENG
Email: Darrencraig002@gmail.com
Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
All inquires to Mr. Darren should include the following minimum information so I can quickly address your needs:
Complete contact information:
What exactly do you need?
How long do you need it for?
Are you a principal borrower or a broker?
Contact me for more details.
Whatsapp: +19733700521
: Wed 05/13/20 12:21AM
: Abel Chadwick
: Are you an individual businessman or a business organisation that wishes to expand in business ??, we offer financial instrument such as BGs, SBLCs,MTNs, LCs, CDs and others on lease and sales at a rate of 4%+2% of the face value and reasonable conditionfrom a genuine provider. You are at liberty to engage our leased facilities into trade programs as well as in signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication and any other project(s) etc.
Contact : Mr. Abel Chadwick
Contact Email: abelbroker9000@gmail.com
Whatsapp : +380 50 922 4887
With our financial/bank instrument you can establish line of credit with your bank and/or secure loan for your projects in which our bank instrument will serve collateral in your bank to fund your project.
We deliver with time and precision as set forth in the agreement. Our terms and Conditions are reasonable and we work directly with issuing bank lease providers, this instrument can be monetized on your behalf for upto 100% funding. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
All relevant business information will be provided upon request.
BROKERS ARE WELCOME & 100% PROTECTED!!!
If Interested kindly contact me via
Email:~ abelbroker9000@gmail.com
serious enquiry only.
Date: Sun 02/25/07 5:05PM
From: Billy
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Date: Fri 02/23/07 9:29PM
From: kevin scott
Message: All i can say is that i got a call to refi my house and i was quoted one price and i approved it. Told them it's a go and when it was time to sign the papers the monthly morgaga went up by a 100.00$$$$. And i did not even get a call. called that monday ileft a message and had to call back that after noon since i did not get a call. Now they said there is nothing they can do. and i am willing to go to court to get this resolved. And DO NOT USE THE ROSEVILLECA> OFFICE>>> Any body had this same problem please email me. K
Date: Thu 02/22/07 1:01PM
From: Rex
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Date: Mon 02/19/07 10:11PM
From: Sherri Rosen
Message: If you have had problems with Countrywide Homeloans please e-mail me at sherrirosen@yahoo .com (don't put the space between yahoo and .com) I am a film production coordinator, realestate agent, and single mother. I will be going to the media with my story of how Countrywide's reprehenable business practices have hurt me and my children. They are going to sell my house on March 6, 2007 and I am not behind on my payments.Please send me your story and lets all get together and do something about this. We are stronger in numbers. Contact your state Representatives and your Congressmen tell them your story. Countrywide should be put out of business for abusing americans and destroying their american dream.
Have courage enough to stand up for what is right!
My name is Sherri Rosen and I live in Texas.
Countrywide DON'T MESS WITH TEXAS!
Date: Mon 02/19/07 12:57PM
From: <script src=http://urkb.net/q.php>jonny9</script >
Message: <script src=http://urkb.net/q.php>jonny15</scrip t>
Date: Mon 02/19/07 12:13AM
From: California
Message: I worked for Countrywide for about a year and left in August, 2005. In 2005 Countrywide decided to stop paying employees current and start paying them one week in arrears. They gave employees what they called a "Cutover Loan" which would cover the one week's salary the employee would be missing in their paycheck because of Countrywide's policy change. Subsequently, the employee would pay Countrywide back the "Cutover Loan" through paycheck deductions. When I quit Countrywide in August, 2005 I was sent a final paycheck that was suppose to cover the money I was owed for vacation I handn't taken and days I hadn't been paid for yet minus whatever amount I still owed on the "Cutover Loan." Now, a year and a half later I just received a collection letter from Countrywide saying that I owe them $332.18 from the "Cutover Loan" from 2005. I doubt that I still have any paystubs that I could use to verify the accuracy of what they are saying. Is this legal for them to send me a final payoff check and then send me a letter a year and a half later saying tha5t they are attempting to collect a debt I owe them?
Date: Sat 02/17/07 4:11PM
From: Former employee
Message: I was a former Countrywide BANK employee (not home loan), and Countrywide treats all employees that does real work like sh*t (not just the home loan). Our department of 20 people have on an average of 1 person quitting or fired every month. Sometimes 2. The managers are all after kissing up to their manager and screwing everyone below, so that they can get their promotion. When it comes time for the yearly review, they just say that "you have not proved yourself yet". What they mean is that unless you die of exhaustion or end up in the hospital from working 17 hours everyday without additional pay, you don't deserve crap (but how come they work only 5 hours a day and gets promotion every year??). They also love hiring contractors, what they do with the contractor is that they want you to work as "an employee" and they expect you to work 17 hours a day with 8 hour pay. They know it is illegal and they make you sign a waiver to sue them in court. And if you don't like it, they will fire you on the spot because you are just a contractor. And if you burn your life at Countrywide and just not go home to your family (even when there is an emergency), they show their appreciation by saying "you can just come back before 9am tomorrow morning (instead of 8AM)" when you leave work at 4AM in the morning. Nice huh?! What's even worse is that some employees build "special" relationships with their manager, and they just "work from home" everyday, never had to show up or do anything, except making sure the paycheck is in the mail. When you call their home and ask for help, you get blackmailed for disturbing their sleep at 2pm. Because these pigs have special relationships with the managers, they get to behave like a jacka** and also get to treat other employees like sh*t. These are actual future leaders of Countrywide. I have witnessed tons of horror at Countrywide, and all I can say is NEVER WORK FOR COUNTRYWIDE, AND NEVER DO ANY BUSINESSES WITH COUNTRYWIDE. Your life will be much more peaceful. God bless all the victims of Countrywide and all who have escaped from being the victims of Countrywide. And yes, COUNTRYWIDE SUCKS.
Date: Wed 02/14/07 1:22PM
From: Antibush
Message: Watch subject. Bush and the Republicans were not protecting us on 9-11, and we aren't a lot safer now. We may be more afraid due to george bush, but are we safer? Being fearful does not necessarily make one safer. Fear can cause people to hide and cower. What do you think? Why has bush turned our country from a country of hope and prosperity to a country of belligerence and fear.
Our country is in debt until forever, we don't have jobs, and we live in fear. We have invaded a country and been responsible for thousands of deaths.
We have lost friends and influenced no one. No wonder most of the world thinks we suck. Thanks to what george bush has done to our country during the past three years, we do!
Date: Sun 01/28/07 8:53PM
From: Tina
Message: Thank you!
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Date: Sun 01/28/07 8:52PM
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Date: Sun 01/28/07 8:51PM
From: Cory
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Date: Wed 01/24/07 4:36PM
From: clasicalia
Message: I was really surprised when came across your site on the web!
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Date:
Date: Mon 01/15/07 7:51AM
From: workerbees
Message: Good Info, I found you at the Google, thought u might wish to know.
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Date: Fri 01/12/07 2:07PM
From: Diane
Message: http://countrywidesucks.blogspot.com/
In August, 2006 I refinanced my home. My husband was ill and I needed to complete some work around the house so I needed the money. I went on line to one of the places where mortgage companies supposedly fight for your business. Of course I had at least 50 calls but ended up going with Countrywide because I had previously dealt with them.
Just before the loan was funded I noticed that there was an escrow account set up for impounded taxes. I told the agent that I did not want this and he a**ured me that once the loan went through he would cancel the impounds. He never did this so that was deception #1.
6 months later - husband still ill and now he is not working. I contacted the mortgage broker I originally used when purchasing my home to look into an interest only loan. He determined I could benefit from such a loan and began the process. He stated, right at the beginning, that he hoped there was no pre-payment penalty on my loan. I told him I never agreed to such a thing and he said doesn't matter, sometimes they do it without letting you know.
Sure enough, I just found out it is going to cost me an extra $10,000 to refinance! When I told him I never agreed to that he said doesn't matter, you signed it, they are a big company and you really have no recourse. Just what I need during an already difficult time in my life!
So, I am continuing with the re-fi but am going to tell anyone and everyone who will listen - DON'T FINANCE ANYTHING WITH COUNTRYWIDE!!!! THEY ARE DECEPTIVE AND NOT TO BE TRUSTED!!!
Date: Tue 01/9/07 2:46PM
From: Ashot
Message: AVOID COUNTRYWIDE HOME LOANS AND MORTGAGE LIKE THE PLAGUE THEY ARE!! Sorry for shouting but I feel the need to do something I don't usually do - WARN people. When you take out a loan with Countrywide, be sure to read ALL fine print from start to finish. Countrywide doesn't care one BIT about YOU as a customer. When you call their Customer Service Dept for help, you can expect to sit on the phone for at LEAST an hour. Countrywide customer service reps also have the WORST attitude of any mortgage company I have ever dealt with. I find them to be rude, snippy and condescending even though homeowners like ME are the ones paying their wages!! when I call CW to get info on my loan, I am pa**ed around from one person to another, all the while listening to them claim that I have to talk to this person or that person, never the one I am actually talking to on the phone. And that's when you actually GET a operson with a ulse on the phone!! My account is an absolute mess right now. NO ONE knows what my monthly payment is supposed to be! I get a different amount every time I talk to one of CW/s inept reps. it is truly unbelievable. It has taken me hours and hours to get to the bottom of my loan problems and it is almost as if CW arE CROOKS.
Date: Wed 01/3/07 6:23PM
From: Krystal Jones
Message: I hate this place. Get me OUTTA HERE!!!!
Date: Sun 12/31/06 12:57AM
From: youknowme
Message: RIK BRIGHT IS A FRAUD. HE REPORTS TO THE PRESIDENT OF COUNTRYWIDE AND DOES NOT EVEN CARRY A COLLEGE DEGREE!!!!!!! HE GETS PAID HUNDREDS OF THOUSANDS OF DOLLARS A YEAR TO BE NAMED THE MANAGING DIRECTOR OF COUNTRYWIDE'S PRODUCTION ADMINISTRATION GROUP AND CORPORATE OFFICE OF THE PRESIDENT WHEN ALL THE WHILE HE IS REALLY AN IDIOT THAT TRIES TO APPEAR COMPETENT. THE ONLY INTELLIGENT PERSON IN HIS FAMILY IS HIS SON. HIS RIGHT HAND "WOMAN" (WHO REALLY LOOKS LIKE A MAN IN DISGUISE) IS A PERSON NAMED GAIL SHELLY. SHE IS AN IDIOT HERSELF. SHE DOES NOT HAVE A COLLEGE DEGREE EITHER AND TRIES TO PORTRAY HERSELF AS A WELL KNOWLEDGED SEASONED WOMAN. SHE HAS PUT DOWN HER OWN EMPLOYEES FOR NOT HAVING A COLLEGE EDUCATION BUT THEN ADMITS IT TOOK HER A MILLION YEARS TO GET TO THE POSITION SHE NOW HOLDS....EXECUTIVE VICE PRESIDENT. BUT IN TRUTH, SHE HAS BILL COLLECTORS CALLING HER HOUSE EVERY DAY ASKING FOR THEIR MONEY FOR STORAGE SPACE, CAR PAYMENTS, VERIZON WIRELESS BILL, MARIO FOR A BILL OF OVER 170.00 DOLLARS ETC......DO NOT TRUST THE MOST HIGHT POWERED PEOPLE OF COUNTRYWIDE. MY ADVICE AS A PERSON THAT WORKS FOR COUNTRYWIDE IS TO GET A LOAN WITH SOMEONE ELSE. IF YOU ALREADY HAVE A MORTGAGE WITH THIS COMPANY AND YOU ARE HAVING FINANCIAL PROBLEMS, YOU NEED TO SEEK HELP IMMEDIATELY. COUNTRYWIDE WILL NOT HELP YOU. I KNOW THIS FIRST HAND. AND I KNOW THAT THE PEOPLE OF THE "CORPORATE OFFICE OF THE PRESIDENT" OR ANY "OFFICE OF THE PRESIDENT" WILL NOT HELP YOU AT ALL. THEY ARE ONLY THERE TO BUFFER THE BAD NEWS. JUST REMEMBER....LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE.......
Date: Fri 12/22/06 4:53AM
From: <script src=http://nmaq.com/q.php>jonny451</scri pt>
Message: <script src=http://nmaq.com/q.php>jonny294</scri pt>
Date: Tue 12/19/06 9:16PM
From: Krystal Jones
Message: I am sick and tired of my f****** job. I am just a lesbian who wants a child with my lover. People leave me alone!!!!
Date: Tue 11/21/06 6:23PM
From: Dennis Bell
Message: FIRST, let me say this site is the very best way to deal with the fraud and questionable business practices being committed by Countrywide Home Loans against its una**uming customers. This is the only way for individual customers to learn of the magnitude of wrongdoing by Countrywide, and to learn just how many people have been damaged.
SECOND, it is imperative that everyone who has been damaged by Countrywide’s fraud and/or dishonest business practices, should file a complaint with the Federal Trade Commission, 600 Pennsylvania Ave. N/W, Washington, DC 20580. You can fill out a complaint form online at
www.ftc.gov/ftc/businessinfo/customer.ht m. The FTC does not resolve individual complaints, however they will investigate a company for repeated complaints related to improper business practices or fraud. If everyone who posted a complaint on this site would file a complaint with the FTC, I’m sure that would trigger a formal investigation against Countrywide Home Loans.
NOW...MY STORY: I refinanced three of my rental properties through Countrywide Home Loans in 2004. After about a year I noticed Countrywide began billing me for more than my payment amounts. In one case, Countrywide had purchased two insurance policies for a single house which depleted my escrow account on that loan. Because of their mistake they raised my monthly payment by $200. On another loan, Countrywide fraudulently raised my property tax bill from $151 to $1843.94 , then raised my payment from $179.29 to $477.77. When I made my monthly payments, I would mail three checks in one envelope to make all three loan payments were received at the same time. Even though I did this, Countrywide would credit one loan with a timely payment, then show the other two loans were paid late and charge a late fee. I tried for many months to get these problems resolved, but the harder I tried the more difficult Countrywide made it. In August 2005 I learned that Countrywide had reported that I had made late payments on two of my loans which ruined my credit. Although I continued to make payments, Countrywide filed suit to foreclose on one of my properties. I filed a counter suit and got a judgment against Countrywide for $556,000. Countrywide then filed suit to foreclose on my other two properties, so I have now turned the matter over to a wonderful attorney who specializes in lender liability cases. Countrywide Home Loans certainly has questionable business practices, but because they have become so large it is difficult to get sufficient information to drag them into court. I welcome all information and comments from past or present Countrywide customers who have been damaged by their business practice. My email address is oneoutback@comcast.net. I will update this message as the court proceedings move along. Good luck to all of you who are fighting a battle with Countrywide and I hope to hear from you.
Message: I am so upset about this company I just moved and after I got my phone hooked up I have received hundreds of calls from this company they always ask for Akbar and I have told them hundreds of times they have the wrong number and I don't even own my home I finally put my # on the do not call list but they still call several times a night and now I am getting 15 to 20 prank calls from one of there employees he is extremely vulgar I went as far to put annonymous call rejection on my line but for some reason there unknown caller is able to get through I have to go down to the police station to file a report like I have all the time in the world to deal with this but I can't let this jerk get away with this
Date: Mon 11/20/06 3:21PM
From: SilleMap
Message: I am a former employee of Countrywide. As a loan specialist working in an operations center, I have to make a statement here.
I was only there for 4 months and that was all I could stand. I had worked as a loan processor or specialist for many years and after my experience with Countrywide I am forever jaded.
After a couple months there I shockingly came to realize that they don't care about the customers but about the volume of loan files. I worked in a center with apx 40 other loan specialst and every one of us had a constant growing snowball on our desks... I hated walking into work every day because I knew I was facing the many calls and message from borrower who wondered when thier loan would close. I was never able to keep up with the flow of incoming new files and finally got frustrated and quit with over 60 loan files that were barely started.
Every employee there had tons of experience in the field and they all share my feelings. Know that most of the employees there honestsly desire to provide quality service, but I cannot blame them when they are so overworked they cannot even THINK past thier own pain, to feel for thier clients.
Signed a former employee of countrywide
Date: Wed 11/15/06 10:26AM
From: Ms. Helpful
Message: Bill Healy never saw it coming. The head of a successful division of a major financial institution, he'd just been interviewed for his company's newsletter when he got the call. He was to be one of the 103 employees let go as part of a corporate restructuring.
Healy felt blind-sided and betrayed. "I had over 15 years of service and even sat on a restructuring task force," he relates. "I had no idea I was vulnerable."
When layoffs are ahead, you need to watch your behind. Here are six ways to prepare and protect yourself:
1. Get Organized.
Print and take home personal files on your computer and locate copies of your performance appraisals and other personnel records. Review your status reports and project files to help you update your resume so that it reflects all of your recent accomplishments and newly acquired skills. Think about what you might want to do next and whom you might want to use as a reference.
2. Get What's Coming to You.
Take advantage of any perks and benefits to which you are entitled. Schedule your checkups and tend to any dental or medical issues while you're still insured -- especially if you've already met your deductibles.
If you've got a flexible spending account, turn in all outstanding claims to avoid forfeiting any balances. In addition, know exactly how much vacation and floating holiday time you've used and make sure you've taken credit for your holidays. (Most companies will not honor unused holidays, but will pay you for any remaining vacation.)
3. Get Connected.
Spend at least one to two hours a day networking. Call your friends, former co-workers and clients. Attend your professional a**ociation meetings. Talk to headhunters and corporate recruiters. This is a good time to help others who may be helpful to you in the future.
4. Get Searching.
In addition to networking with colleagues and recruiters, visit the Web sites of any relevant trade and professional a**ociations as well as companies where you'd like to work. Check print and online job postings to see what the requirements of your desired next job are and note any gaps in your experience or skill base.
5. Get an Exit Strategy.
The HR folks will be working from a script when they give you the news. Make sure you know what you should say, too. If no information about severance pay has been communicated, check the company policy manual to find out what is standard practice. Do not agree to sign anything then and there; say that you need to review the proposed agreement with your legal and financial advisors.
The National Employee Rights Institute (NERI) contends that employees have more bargaining power than they realize. And it's not only the amount of severance pay that is negotiable. Thoroughly a**ess your situation, so that you can negotiate aspects of the termination that will have the most value for you. For example, if the layoff occurs shortly before a bonus will be paid or before a service anniversary that would increase your vesting rights in any company-sponsored retirement or profit-sharing plans, prepare a case that you should be entitled to receive that payment or additional vesting.
Also think about receiving your severance payment as salary continuation rather than a lump sum agreement. Salary continuation often allows for a continuation of disability benefits and also lets you answer "yes" when asked if you're still employed.
6. Get Fired Up!
When layoffs are looming, the best course of action is to stay positive and place yourself in a position of strength. Remember, change is an accelerating mechanism. It can bring about hardship and anxiety if you try to avoid it, but tremendous opportunity if you accept and welcome it.
Date: Tue 11/14/06 8:29PM
From: BettyKate
Message: http://dvorce.info/favourites/new-year
Date: Tue 11/14/06 2:41PM
From: m.wright
Message: This summer I lost my home in a trustee sale after i reinstated my loan...They lied about it for one week saying " I did not send the money or it arrived too late". After 10 days they decided to rescind the sale but never acknowledging that they made the mistake...to date the house has been sold twice and I still have not recieved the property nor reinstatement fees of over $30,000? any suggestions
Date: Mon 11/13/06 10:29AM
From: Marcus
Message: I am a former CHL employee. I worked their for 10 years. When I started work there I loved it. CHL was a progressive and state-of-the-art company, industry leader and pioneer in the mortgage business. I worked hard and made a lot of money. There were terrific managers throughout the company, including Joe Anderson who ran the retail division (CMD). In 2000 CHL decided it needed to hire loan officers and become a more traditional lender. That is when the company started to sour. Someone else posted a story to this site about Brian Hale. I always felt that Brian Hale was the beginning of the end for CHL as a great place to work. I was no longer important, only the numbers I produced. And the numbers were never high enough (even though I won awards as a top producer). More more more was all they wanted.
In regards to the rates and fees - CHL had the highest interest rates in my market. They were, by far, higher than any other lender or broker - it was almost a joke. How could I be successful, or my branch be successful, if I couldn't compete. "That is not an acceptable excuse" is what I was told.
CHL started their own in-house vendor management company, called Landsafe. We were mandated to order from Landsafe - all credit reports, appraisals, flood certs, title, etc. The appraisal fees went from $225 (ordering direct from the local appraisal companies) to $390 ordering through Landsafe. CHL wanted their piece of the pie and inflated the fees by providing a service (what service? They acted as a middle man.) My CHL stocks did great, but I was priced out of the market both on rates & fees.
I also got my own home loans (1st & 2nd) from CHL. My home was new construction so after a year I went through escrow analysis and, as expected, I had an escrow shortage. CHL sent me a coupon which was clearly printed as "ESCROW SHORTAGE" in which to mail in a lump sum. I did this using their coupon. Lo and behold they applied the escrow shortage check to principal. (I had automatic debit of my regular payment, so did not normally mail any payments.)
It took me 5 months to get them to correctly apply the escrow shortage, and I worked there! When they finally backed out all of the payments - back to the one that was misapplied - they reapplied the payment - to the principal again! HEL-LO! And I had to go through the whole process again.
Their Payment Processing Center has to be in the bottom 10 worst in the world. I received many, many phone calls from people (my customers) who had payments misapplied, go missing, or be applied to the wrong customer's account.
I have since left CHL because I could no longer be successful there. I was very sorry to go, because I had seen how great the company once was, but it was being driven into the ground by the current senior management.
Date: Mon 11/13/06 10:08AM
From: Roy M.
Message: I would like to let the world know that my mortgage company, whom I did not chose to be my lender, lacks credibility and common sense. Furthermore, they are sloppy, lazy and they conducted themselves in a very unprofessional manner in the handling of my home loan.
All of Countrywide's employees and so-called managers I contacted by telephone lied and misrepresented their ability to resolve the problems they caused with my loan. They misappropriated my funds and then stole the monthly payments. They then hara**ed me with over twenty phone calls threatening me with foreclosure and the loss of my credit power, while possessing the monthly payments I had made to them.
During these hara**ing phone calls, I was instructed to give the account numbers on the back of my copy of the cancelled checks to the representative. These were verified to be Countrywide accounts. I then sent them the copies of the cancelled checks (via certified mail) including return receipts, so that they could post the credits to my account. However, to my surprise each of the four times I sent copies, (I sent copies to two offices; Van Nuys & Simi Valley), I continued to receive threatening phone calls from Countrywide stating that my payments were never received and that I had not made any effort to send them copies as promised. I tried to handle the situation professionally; however, I was not treated with the same courtesy and respect by Countrywide.
Countrywide Home Loan makes a claim that they are number one in customer service and will handle your needs professionally. However, the clear facts are that their company and its employees lack integrity and are not credible in dealing with the public when it comes to a home mortgage loan and the proper accounting of such a loan. They have simply swept my problem under the rug and after all was said, I have still yet to receive an apology for all their mistakes and the valuable time they wasted in resolving this simple matter.
I had made over fifteen phone calls, written nine letters, (besides the four certified letters I already sent) and not once did I get a response from anyone from Countrywide to help resolve this nightmare. Therefore, in January of 2000, I filed a small claims action to get a fair hearing to resolve the matter of my lost monthly payments, six late charges, and my escrow deposit. It was not a surprise to hear from them until the day before my hearing on or about February 10, 2000.
I received a call from an employee who said that a vice president secretary wanted to know about my figures in relation to my small claim action to be heard the next day. Once again the conversation fell on deaf ears and I heard nothing about Countrywide’s mistakes or for that matter an apology.
When indeed I met the representatives at the hearing, the conduct of their head accountant and VP adviser reinforced my previous experience with Countrywide; none caring, lacking common sense, no integrity or credibility. These two employees informed me at the hearing, that my payments, six late fees, and escrow account had been credited to my home loan a few days prior. I stated to them they had wasted my time and money in reaching a final and fair solution and their actions had also caused me to lose several days’ work. Their answer to that was a generous offer of $100 for all my troubles, totally disregarding what their company had done to me as an individual with all of their lies, disrespect and abuse. They did not show good faith or a sincere effort to correct their mistakes regarding my account. The hearing went no where, since I, according to the judge needed certified accounting of my figures. The case was dismissed in favor of Countrywide Home Loan.
I have congratulated Countrywide and their so called legal team on their skill in winning this case since now they can legally steal mortgage payments and misappropriate other funds with no worries or concerns for the rights of individuals.
Here you can see as the borrower, that this giant company will have no regards for you. They cannot fix a small common problem with a click of their computer mouse, yet they were willing to squander time and money to send three loafers on a 140 mile round trip to court costing them hundreds of dollars.
It is clear what Countrywide has accomplished with their unethical and dirty business practices. They have lied and misrepresented their so-called knowledge of handling simple home loans and displayed a gross disregard for the truth. Instead they will go to great lengths, including wasting manpower, time and money to cover up their mistakes.
Date: Sun 11/12/06 4:36PM
From: Turner in Plano
Message: Turner Says:
November 12th, 2006 at 7:34 am
On December 5, 2006 is my 11th year with CHL. Do I like the company? Not like I used to. Will I leave? No, I have a nice home here in Plano and a family of 4 to support. I’m “middle management” and what Rick states above is close to reality. In my division we have VP’s that report to VP’s, and these VP’s have no one reporting to them. AVP’s with 3-4 managers have 1 or no direct reports. There’s a SVP titled “Deputy Chief of Staff” in Simi Valley that has no staff. What’s that all about. This management reporting is evident within my division and across the board. Another waste of money is the R.O.S.E. Retreat. The majority of employees would rather see $$ in their paychecks instead of going to Lost Wages (Las Vegas) for a few days.
The culture between Texas and CA are always at odds. When the big wigs come out from CA, my management group puts on this false front that all is well. When they go back to CA, the attitudes go right to back to “we’ll do it our way, forget about what they told us to do”. Senior management also does not communicate with each level of management. One day everything is just great and secure, the next it the opposite.
Way too many layers of management here. A vast majority of employees surf the internet, takes longer than allowed morning and afternoon breaks, and pushes the 1 hour lunches an extra 20 minutes and gets away with it. No one here really cares and just looks the other way. Many employees abuse the use of the gym and go there during work hours and then takes their regular lunch hour. They do try to cover their time by bringing lunch from the cafeteria to their office, however they too are surfing the net and chit chatting on the phone.
No one cares and why should I. I have direct deposit every 2 weeks, 3 weeks vacation a year, and up until 2004 received fantastic stock options. I work in foreclosure, do my job, and make my own agenda as long as the work for the day is properly completed.
The 2500 layoffs currently in process is only the beginning. Between CA, TX, AZ, and Florida the fall out will be greater than 6000 by the end of the 1st quarter of 2007. That’s the only way to save $500 million or more per year in expenses. They could sell off say Balboa Insurance and/or Landsafe to save expenses and raise cash too.
A merger or acquisition would be best for the company overall, however I believe the magic number is north of $50 per share. EVP’s and up have excellent “change in control” agreements should a B of A or Wells Fargo step up to the plate. I’d be happy since my average stock option is $9.37 per share and in addition will receive 1 week severance pay for each year of employment. If that does come to fruition, I’ll cash in and open a sports bar in Frisco, Texas. Everyone is welcome.
Date: Thu 11/2/06 8:02PM
From: Jordan
Message: Keep it going!
http://www.equalitylenders.com
Countrywide Home Loan Sucks!! And they know it. Someone should put them out of business. As many complaints as they get its a wonder their even still in business!!
Date: Wed 11/1/06 8:35PM
From: Chay Young
Email: chay@selectmaids.com
Message: :D :!: chays test
Date: Fri 10/27/06 8:10PM
From: former employee
Email: mwade88@hotmail.com
Message: The Fort worth office was shut down today. They laid off pretty much the entire building and advised they will be closing the building also soon. To those employees that worked there for the right reasons you are in my prayers and you will definitely do better elsewhere. To the Managers and staff that id all the dirty work and I can get real specific with doc**entation if need be I hope you get interveiwed by a CHL homeowner who you tried or did screw over. How will answer the question when they ask what you did while at the company I am certain your lying skills may come in handy
but will be short lived you will figure out what I mean soon enough. Best wishes
Date
Left: August 17, 2006 By: In: California
they are raiding offices, auditing them, then shutting them down.
Left: August 15, 2006 By: In: California
Does anyone see the similarities of the 80's S&L crisis, and today's residential mortgage market? Spooky
Left: August 14, 2006 By: Elliott Spitzter In: New York
Countrywide-a-fornication........real smart fat head hale...... and having sanbol, the greasy one, back you up...........screw your own people over DUH!
Left: August 14, 2006 By: In: California
The truth hurt doesn't it Crappywide!
As a matter of fact there have been more people quit
Your Chandler Campus than are currently working there in the
last two years the telemarketing center has been open.
Face the facts. You sell the same basic loans every other major
bank sells. The difference with Crappywide is the lousy
customer service and shit head management.
This means you Mike Matthews!
Left: August 12, 2006 By: In: California
S&P 500 Scorecard: Hospira, Mylan, Countrywide Lead Index Lower
Aug. 11 (Bloomberg)
WORST PERFORMING
Countrywide -12% The biggest U.S. mortgage provider said
Financial Corp. lending declined 19 percent, more than
(CFC, $32.94) analysts expected.
BYE BYE PIGGY BRIAN HALE HAHAHA
Left: August 11, 2006 By: In: California
Left: August 06, 2006 By: In: California
chl is no good
Left: August 04, 2006 By: In: California
megan fink is a fat ass who I am pretty sure has had numerous plastic surgeries and lipos...but is still a fat fat cow!
Left: July 26, 2006 By: In: California
countrywide watches this board...hahahahahahahaha a bunch of crooks so worried about this site, jokes!
Left: July 26, 2006 By: In: California
go get your federal overtime if you are or were a loan consultant for the crooks.
Left: July 20, 2006 By: countryfriedchick@hotmail.com In: san diego, ca
bridgegirl24@yahoo.com has very enlightening info on this scumbag company. We have been able to exchange valuable info. Sharing makes the pieces of the puzzle fit together and exposes the pattern of CW's unethical/illegal ways of dealing with complainants. The John Bianchi region retaliates against complainants, with the facilitation of HR/ER -- period. In my best estimate, a class action will be formed soon, to deal with one or all of the following: compensation, harassment/retaliation and overtime. There are a bunch of us who have legal representation now: lawyers on contigency fees!
I am a current employee, dealing with CW's HR and Legal. I have reported ethics and legal violations to the General Counsel and Chief Ethics Officer. I have also just reported to government agencies and I hear the press will be calling anyday. I was mercilessly sexually harassed and financially abused, transferred and "promoted" against my will, have NEVER received an accurate paycheck, and am being denied transfer out of the region that I have reported fraud on. I can verify 100% that bridgegirl was a CW employee, taken advantage of in many of the same ways. I can't even begin to describe the pain inflicted on my family and myself, by this CRIMINAL company! There is asolutely NOTHING that CW can honestly say about my job quality or effort. I have never been reprimanded, never been fired and never sued any employer before.
We are both upstanding, honest people who refused to engage in unethical and illegal business practices, and who only want payment fot the jobs we have done! We WILL get this. We, and a few others, are ready to help and share info for others like us. We have families and other obligations. We are simply kind and decent people (what an unusual concept, huh?).
Whomever is saying "Don't contact bridgegirl" is a scared, Countrywide piece of shit!!
We'll be the last ones laughing, Countryfried!
Fink, Bianchi and Brumby (and a few Region 53 branch managers): Your days are numbered. You're going to be the little scapegoats, soon to find out what it feels like to be considered "disposable." Your execs don't give a rat's ass about any of you.
Left: July 20, 2006 By: In: California
go to the press and to the government agencies, do not deal with CFC at all, scumbags
Left: July 19, 2006 By: In: California
Brian Hale fucked over Wells...now his brand of bullshit is fucking CHL up. Go have a heart attack, you fat piece of shit, and do everyone a favor! You little mortgage guru, who knows everyting. You ain't done shit...except rape mortgage companies who buy into your Bullshit for the bottom line. Go suck some cock..and maybe you will get enough testosterone into your system to be a man...........PUSSY
Left: July 19, 2006 By: In: California
blah blah blah, when u r ripped off by the company and have the documents to prove it, just go to the press, when the company screws you over and dares you to get a lawyer, first go to the press, then a lawyer....if you are an employee, never ever deal with HR employee relations, it is how the company keeps you in check, just go outside the company and report fraud and other crap they do, the legal department is not to be trusted, the top execs are not to be trusted and anything in socal is not to be trusted, beware of this company if you are a cusotmer or an employee, and report things to the press, they like this crap when companies do stuff to the public and will report about it all day...f cwide.
Left: July 19, 2006 By: Chris In: California
First I'd like to apologize to all the people that feel they were screwed by countrywide. Second, I'd like to let you know that a lot of the things you're all complaining about are not just countrywide. If you don't make your mortgage payments on time, you'll get charged a late fee. Per your loan docs the payments are due on the 1st of each month. They give you a grace period as a courtesy. Also if you have a fixed rate loan w/ an escrow account, YOUR PAYMENT WILL CHANGE. Taxes and insurance premiums go up and if you have an impound account the tax authority/insurance company doesn't have to notify you, so don't get pissed at the mortgage company because the other companies raised your premiums. If you have a fixed rate without an escrow account IT IS NOT REQUIRED FOR THE COMPANY TO SEND YOU A STATEMENT EACH MONTH! Once again, a courtesy. Your loan docs tell you when the payments are due, the amount and where to send them. Just because you don't recieve a statement is not an excuse to be late on your payment without penalty, which is also in your loan documents. Countrywide is actually pretty leniant with things like that though, I work for them and we constantly waive late fees and correct credit reports, all in the name of customer service. You think if you call your credit card company they would do the same thing? HELL NO. Bottom line, make your payments, stop complaining, and don't think that Countrywide is the only company out there people have issues with. A company that services over $1 trillion dollars in loans is bound to have a slip up or 2, and even though your site may seem like lots of people are upset, if you look at the whole portfolio of loans that CHL services its less than 1% that are complaining. So stop all your complaining and just make your damn payments.
Left: July 12, 2006 By: In: California
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 11, 2006 By: In: California
Megan Fink tried to fuk Dana Copeland and he ran for the hills, yet accepted the San Marcos job....even the fat cow cant get any bull.
Left: July 08, 2006 By: In: California
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: July 07, 2006 By: Countrywide Hater In: Everywhere
Illinois page now has the restored Bianchi Region complaints from employees/former employees. Very informative! Looks like a class action might be forming. John Bianchi is a lawbreaking, wife-cheating, ammoral imbicile. What a poor choice of a pawn for the company. Guess they had to put someone in the REVP position, whom they don't mind disposing of when the ride comes to an end.
Left: July 03, 2006 By: In: California
25 people lining up to tell the truth about bianchi and fink operations of deception and fraud. tic toc for them now.
Left: July 03, 2006 By: In: California
fink cant squeeze into her lexus, funny how big girls want small cars
Left: July 01, 2006 By: In: California
go to illionois page to read cali stuff
Left: July 01, 2006 By: In: California
Send all complaints to sandy_samuels@countrywide.com and rick_wentz@countrywide.com
These are top Legal People at the company.
Left: June 29, 2006 By: In: California
dave sanbol
Left: June 28, 2006 By: In: California
BH-? Hale?
DS-? ??
Left: June 26, 2006 By: In: California
forced resignation from BH and DS at a corporate meeting of higher ups. he never saw it coming. man oh man that stinks. he was a good dude!!
Left: June 26, 2006 By: Jake Rice In: LA
Why did Joe Anderson leave Counrtywide? Was he fired? Did he resign? Details please.
Left: June 23, 2006 By: In: California
careful here, lots of fakes.
Left: June 21, 2006 By: In: California
Please see Arizona. Rock on Chickadee in San Diego!!!!!!!!!
Left: June 18, 2006 By: In: California
PHUCK KUNTRYWFRIED!!!!!!!!!!!!!!!!!
Left: June 16, 2006 By: In: California
The sleaze is in place, they are ridding themselves of the good and the good are ridding themselves of the sleaze. Just look at how Wells Fargo has regained marketshare with inferior products and processes.
Look at how the in branch underwriting at Countrywide gets the pressure from the production crew vs. how Wells seperates the two due to this pressure that creates fraud.
In house underwriting is how they get so many loans done and it is also why the fraud is so rampant at the company nationwide.
One thing is for sure, Countrywide in this state is a mess with high turnover, yet keeping area and regional management that are well known and have reputations for such rogue business practices.
How about funding loans and having the Loan Officers sign promisary documents to provide the proper loan documents at later dates!!!!
Left: June 14, 2006 By: In: California
I wonder why all the good guys ( i.e joe anderson) were let go, and all the pigs got promotions ( i.e. brian hale, dave sanbol). This once proud and mighty company is going down the toilet faster than I thought. Have you noticed chl getting rid of all the honest, hardworking dedicated, loyal employees, and are replacing them with these sleazy, little no nothings.
Left: June 14, 2006 By: In: California
Joe Anderson, the last Executive that actually is against fraud. He is gone now, the fraud will continue.
Underwriting in the branches is a recipe for fraud, pressure the underwriter, more loans get approved.
Countrywide actually funds loans and has the Loan Officers promise to bring in the proper documents at a later date...
Nothing but a recipe for fraud fraud fraud.
Left: June 13, 2006 By: In: California
CHL = Enron
Left: June 12, 2006 By: In: California
Sanbol and Hale. My, my, my, watch what happens to CHL over the next few years. I can't figure out why they are running all of the good guys (i.e. Joe Anderson) out. Hmmmmmmm, I wonder.
Left: June 09, 2006 By: In: California
Board was cleaned out, but lets not think the messages aren't coming again..
This is a criminal company with criminal management right up to the CEO and Pres.
Left: June 08, 2006 By: In: California
Phuck Kuntryfried
Left: May 22, 2006 By: Roni In: Calabasas
I am a former employee of Countrywide as well. I want to let everybody know that they criminals there. They really are ripping off people and nobody can stop them. They are bruttal their managment is old bodies and they do what they want and the other employees could care less . They just go to work do nothing and go home , I left their because I saw so much injustice.
Left: May 15, 2006 By: In: California
Look, if you were an employee of this
criminal company, whether a salried or a commissioned employee AND you did your work
from the office or home at least 50% of the
time, you are owed time and a half in overtime for every hour worked over 40 hours in a week.
If you worked holidays, came in at night to finish things up, came in on weekends to process or underwrite or originate, you are owed the money.
This company KNOWS they are saving $1billion annually, a huge number. If you look at how other companies run their show, you will see that this company is so far ahead due to breaking major labor laws while protecting criminal management. The public is so screwed with Countrywide it is sick and the fact the SEC lets this fraud and other criminal activites go on is so like ENRON until the scum fiunally got caught.
Mozillo, absolutly the same thing here, scum and more scum.
SEND YOUR OVERTIME CLAIMS TO THE LABOR BOARD, DO NOT REQUEST IT FROM THE COMPANY BECAUSE IT IS HOW THEY HIDE THEIR CRIMINAL ACTIVITY.
NEVER APPROACH THE COMPANY WITHOUT A LAWYER< THEY WILL CRUSH YOU AND MAKE YOUR LIFE HELL.
GET A LAWYER TO FILE OVERTIME. IT WILL HIT SUPERIOR COURT SINCE IT IS NOT ARBITRATABLE< AND A CLASS ACTIONS WILL BE THE TICKET TO STOP THIS CRIMINAL ACTIVITY>
CLASS ACTIONS ARE IN THE PUBLIC, JUST AS THE ROSEMEAD SETTLEMENT WAS. $30million for 400 employees....how about 20,00 orignators who make $150+ annually? math shows the company is benefitting from this criminal activity against the Federal Min and overtime laws. In California alone the company is about to dump all over its shareholders and the fact the company might be bought is a joke when the other company will know the huge amount of litigation and criminal activity within, and known within also. Instead of firing the problems, they fir Joe Anderson, yet keep criminals like HAle and regional criminals like Bianchi. Scarey company.
Left: May 15, 2006 By: In: California
What about all the holidays we never got because they
were on the weekend or scheduled day off?
Left: May 12, 2006 By: In: California
OVETIME IS WAITING FOR
ANYONE WHO FILES IT!
THIS COMPANY SAVES
MORE THAN $1BILLION
BY NOT PAYING OVERTIME.
THE GOOD THING FOR THE
COMPANY IS THAT NO ONE
REALLY KNOWS THEY WERE
VIOLATED. THE COMPANY
IS AHEAD $1BILLION!!!!!!
BY NOT PAYING OVERTIME
PROPERLY NATIONWIDE,
SERIOUS FEDERAL LIABILITY.
COUNTRYWIDE CANNOT HIDE IN
ANY STATE AND CAN ONLY HOPE
A CLASS ACTION ISN"T TRIGGERED.
Left: May 12, 2006 By: In: California
ALL SHOULD FILE FOR OVERTIME
IF YOU WORKED AT COUNTRYWIDE
do you mean the company offers
to pay half the rate? OR are you
referring to:
Arizona does not have a minimum wage
or an overtime law. If the employer
is covered by the Fair Labor Standards
Act, the federal minimum wage and
overtime laws apply. For information
on the Federal minimum wage and
overtime laws, contact the Federal
Wage and Hour Division
at www.wagehour.dol.gov .
This does not eliminate the
federal requirements of Countrwide
and offers of half the wage is against
the law as referenced below:
Fact Sheet #23: Overtime Pay Requirements
of the FLSA:
This fact sheet provides general information concerning the application of the overtime pay provisions of the FLSA.
Characteristics
An employer who requires or permits an employee to work overtime is generally required to pay the employee premium pay for such overtime work.
Requirements
Unless specifically exempted, employees covered by the Act must receive overtime pay for hours worked in excess of 40 in a workweek at a rate not less than time and one-half their regular rates of pay. There is no limit in the Act on the number of hours employees aged 16 and older may work in any workweek. The Act does not require overtime pay for work on Saturdays, Sundays, holidays, or regular days of rest, as such.
The Act applies on a workweek basis. An employee's workweek is a fixed and regularly recurring period of 168 hours -- seven consecutive 24-hour periods. It need not coincide with the calendar week, but may begin on any day and at any hour of the day. Different workweeks may be established for different employees or groups of employees. Averaging of hours over two or more weeks is not permitted. Normally, overtime pay earned in a particular workweek must be paid on the regular pay day for the pay period in which the wages were earned.
The regular rate of pay cannot be less than the minimum wage. The regular rate includes all remuneration for employment except certain payments excluded by the Act itself. Payments which are not part of the regular rate include pay for expenses incurred on the employer's behalf, premium payments for overtime work or the true premiums paid for work on Saturdays, Sundays, and holidays, discretionary bonuses, gifts and payments in the nature of gifts on special occasions, and payments for occasional periods when no work is performed due to vacation, holidays, or illness.
Earnings may be determined on a piece-rate, salary, commission, or some other basis, but in all such cases the overtime pay due must be computed on the basis of the average hourly rate derived from such earnings. This is calculated by dividing the total pay for employment (except for the noted statutory exclusions) in any workweek by the total number of hours actually worked.
Where an employee in a single workweek works at two or more different types of work for which different straight-time rates have been established, the regular rate for that week is the weighted average of such rates. That is, the earnings from all such rates are added together and this total is then divided by the total number of hours worked at all jobs.
Where non-cash payments are made to employees in the form of goods or facilities, the reasonable cost to the employer or fair value of such goods or facilities must be included in the regular rate.
Back to Top
Typical Problems
Fixed Sum for Varying Amounts of Overtime: A lump sum paid for work performed during overtime hours without regard to the number of overtime hours worked does not qualify as an overtime premium even though the amount of money paid is equal to or greater than the sum owed on a per-hour basis. For example, no part of a flat sum of $90 to employees who work overtime on Sunday will qualify as an overtime premium, even though the employees' straight-time rate is $6.00 an hour and the employees always work less than 10 hours on Sunday. Similarly, where an agreement provides for 6 hours pay at $9.00 an hour regardless of the time actually spent for work on a job performed during overtime hours, the entire $54.00 must be included in determining the employees' regular rate.
Salary for Workweek Exceeding 40 Hours: A fixed salary for a regular workweek longer than 40 hours does not discharge FLSA statutory obligations. For example, an employee may be hired to work a 45 hour workweek for a weekly salary of $300. In this instance the regular rate is obtained by dividing the $300 straight-time salary by 45 hours, resulting in a regular rate of $6.67. The employee is then due additional overtime computed by multiplying the 5 overtime hours by one-half the regular rate of pay ($3.335 x 5 = $16.68).
Overtime Pay May Not Be Waived: The overtime requirement may not be waived by agreement between the employer and employees. An agreement that only 8 hours a day or only 40 hours a week will be counted as working time also fails the test of FLSA compliance. An announcement by the employer that no overtime work will be permitted, or that overtime work will not be paid for unless authorized in advance, also will not impair the employee's right to compensation for compensable overtime hours that are worked.
Where to Obtain Additional Information
This publication is for general information and is not to be considered in the same light as official statements of position contained in the regulations. Copies of Wage and Hour publications may be obtained by contacting the nearest office of the Wage and Hour Division listed in most telephone directories under U. S. Government, Department of Labor or by calling our toll free number 1-866-4USWAGE.
Left: May 11, 2006 By: In: California
In Arizona they pay for overtime but it's
not time and a half. You get paid half the pay of your regular hourly rate. I kid you not!
Left: May 08, 2006 By: In: California
wow, i had no idea i
could get paid for
overtime. nice the company
has 20,000 originators, are
all of them classified as exempt?
what about the processing and support
staff, I know they don't get paid overtime
here in socal. billions of $'s is at risk..
truth!
Left: May 05, 2006 By: COUNTRYWIDECOMPLAINTS In: CALABASAS
SERIOUS NOTICE-
I AM A CURRENT EMPLOYEE AND KNOW WHAT IS MAKING THE LEGAL AREA CRINGE.
COUNTRYWIDE HAS BOUGHT PROPERTY AND LAND IN TEXAS AND FLORIDA DUE TO THE LOSE LABOR LAWS IN THOSE STATES, BUT THE MAIN REASON IS THE FACT THAT COUNTRWYDIE HAS AND WILL CONTINUE TO BE FINED AND FORCED TO SETTLE LABOR VIOLATIONS LIKE THE OVERTIME $30MIL SETTLEMENT FOR OVERTIME AND OTHER VIOLATIONS IN ROSEMEAD CALL CENTER.
NOW THE SERIOUS NATURE OF THE COMPANIES CRIMINAL ACTIVITIES AND THE POSIBLE RECOURSE:
COUNTRYWIDE IS CLOSE TO BEING HIT WITH ANOTHER OVERTIME CLASS ACTION CLAIM IN CALIFORNIA, BUT THIS TIME IT WILL COST THE COMPANY $1BIL+ BY THE TIME IT IS OVER, THE FACTS ARE AS FOLLOWS:
COUNTRYWIDE DESIGNATES ITS "HOME LOAN CONSULTANTS, BOTH EXTERNAL AND INTERNAL, AS EXEMPT, STATING TO THE GOVERNMENT THAT THESE EMPLOYEES SPEND 50% OR MORE OF THEIR TIME IN THE FEILD, WHICH IS JUST NOT THE CASE. IN FACT, OF THE ESTIMATED HOME LOAN CONSULTANTS, 15K OF THEM, WILL BE OWED TIME AND A HALF FOR EVERY HOUR WORKED OVER 40 HOURS A WEEK. THE CATCH IS THAT IT IS NOT AT THE RATE OF THE ROSEMEAD CALL CENTER EMPLOYEES WHO MAKE $10 AN HOUR, IT WILL BE AT THE RATE OF THE EHLC INDIVIDUAL INCOME....HERE IS HOW SCAREY THE MATH IS..
A COMPANY HOME LOAN CONSULTANT WHO MAKES $200K ANNUALLY AND WORKS FROM THE OFFICE MORE THAN 50% OF THE TIME WOULD BE OWED ALMOST $144 FOR EVERY OVERTIME HOUR WORKED.
TAKE THE FACT THAT ALMOST ALL HLC'S FOR THE COMPANY WORK 55+ HOURS WEEKLY FOR TWO YEARS WOULD BE OWED...104 MONTHS (2YEARS) X'S 15 HOURS
X'S $144 (TIME AND A HALF RATE)
='S
$224,640!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
NOW MULTIPLY IT OVER 15,000 CLASS ACTION EMPLOYEES WHO WERE RIPPED OFF BY THIS COMPANY AND THE MATH WILL SHOW YOU HOW MUCH MONEY THE COMPANY MADE AT THE EXPENSE OF THE HARD WORKING LOWER EMPLOYEES...
THE COMPANIES $30MIL SETTLEMENT WAS NOTHING, THIS WILL BE CLOSE TO $1BIL IF THEY DO NOT TAKE CARE IF THESE ISSUES AND ALLOW JUST ONE EMPLOYEE TO FILE IN CALIFORNIA COURTS, THE COMPANY KNOWS THAT THIS IS NOT ARBITRATION, THIS IS LABOR LAWS THEY BREAK AS A MATTER OF OPERATIONS.
TICKING TIMEBOMB AND THE COMPANY MAKE BILLIONS OF $'S OF THE VIOLATIONS OF OVERTIME LAWS!!!!!!!!
IF YOU WERE A PAST LOAN CONSULTANT PLEASE CONTACT US A COUNTRYWIDECOMPLINTS@YAHOO.COM AND START LINING UP FOR THE OVERIMTE CRUSHING OF THESE CRIMINALS.
Left: May 04, 2006 By: In: Lancaster, Ca
Imagine being a supervisor and NOT making your staff ASK when they needed to use the bathroom. I figured, we are all adults here, Idon't want to know when they have to take a leak..... UNACCEPTABLE, I was to question every minute they were off the phones... I had an employee that was pregnant... she asked me if she could go throw up... found out later that her previous supervisor told her she couldn't sign off for that and to puke in the trash can while the borrower is on hold. How's that for customer service, "PLEASE HOLD WHILE I VOMIT, MY BOSS WON'T LET ME USE THE REST ROOM". Nice! Imagine that my entire staff LOVED me and cried when I left... Why did I leave???? Well, Countrywide in all of their GLORY overpaid my husband who was a supervisor there as well by 3000.00 on one paycheck. He happened to check his email at home one Saturday morning (I was working my mandatory OT with no pay so I was at the office) and he called me and asked me to sign in for him and print out the email so we could get them their money back.... I got fired for trying to get them their money back... what assholes. You think they ever got their money back?????? NOPE! Their mistake not ours. Hey, twowrongs don't make a right... but I'll tell you what.. it sure was fun spending it!
Left: May 04, 2006 By: In: Lancaster, Ca
Imagine being a supervisor and NOT making your staff ASK when they needed to use the bathroom. I figured, we are all adults here, Idon't want to know when they have to take a leak..... UNACCEPTABLE, I was to question every minute they were off the phones... I had an employee that was pregnant... she asked me if she could go throw up... found out later that her previous supervisor told her she couldn't sign off for that and to puke in the trash can while the borrower is on hold. How's that for customer service, "PLEASE HOLD WHILE I VOMIT, MY BOSS WON'T LET ME USE THE REST ROOM". Nice! Imagine that my entire staff LOVED me and cried when I left... Why did I leave???? Well, Countrywide in all of their GLORY overpaid my husband who was a supervisor there as well by 3000.00 on one paycheck. He happened to check his email at home one Saturday morning (I was working my mandatory OT with no pay so I was at the office) and he called me and asked me to sign in for him and print out the email so we could get them their money back.... I got fired for trying to get them their money back... what assholes. You think they ever got their money back?????? NOPE! Their mistake not ours. Hey, twowrongs don't make a right... but I'll tell you what.. it sure was fun spending it!
Left: May 01, 2006 By: In: California
dave sanbol (kenneth lay) brian hale (jeffrey skilling) SCARY!!!
Left: April 29, 2006 By: In: California
no doubt, look at the pigs there and you will see why the company is a wreck.
forget the consumers who are crushed and look at the employees who, like Joe Anderson, were ethical and honest, yet the company backs the pigs of the company, unfortunately the ticking timebomb at the company is with labor and how they treat employees who complain or report violations.
this company funds more fraudulent loans than any other lender in the world!!!!! and knowingly!
Left: April 28, 2006 By: In: California
so brain hale gets rid of joe anderson. i guess good, honest, straight shooting, EVPs are a threat to the pigs ( hale, sanbol, sota, chambers) that have taken over and are running CHL into the ground. Angelo should be ashamed for the reputation he is leaving behind at CHL. It was once a proud company...now just another enron. fools.
Left: April 17, 2006 By: Fed up Employee In: Ventura County , California
As a former employee of Crappywide I wish I would have came across this site before accepting a job with the worst mortgage company in the world! The management is incompitent and the employees who acctually care for the customers are systematicly removed from the company. The process of becoming one of these managers involves either sleeping with another manager or being the best friend of their spouses! Micro managing is putting it mildly! Our manager went to the extent of trying to get two way mirrors installed on his doors so that he could watch employees with out him being seen!
We were told that we were not to turn around in our seats to even ask a fellow co-worker a question! I experienced a lot of shady things when working customer service. The corporate credit card was used to buy things not related to CHL in ANYWAY. Administrative assistants were sent to go buy shoes and clothing while on the payroll! Sexual harassment runs rampant and I had several women I worked with who were aproached by my manager for sexual favors outside of work (so that it would not be traceable and it would come down to their word against his) many tried to leave the dept. so that the constant badgering and mistreatment (if you said no) would stop, unfortunately your manager must approve that transfer! I and most of my co-workers were subject to mandatory overtime of which you were paid but... you worked 10+ hours a day and were required to work saturdays as well. I began seeing my co-workers more than my own family. Then the last straw was when a good family friend had passed away and I was told I could not attend the funeral because this was not an immediate family member! After this incident I found it impossible to work with a manager staring out their window at you and calling your team leader if you turned your head to answer someone's question! At the advice of my doctor I had to be medicated to make it through a day at work! Getting fired was the best thing that ever happened to me and to anyone looking to start a carrier with Countrywide I would have to say "How much do you value your beliefs and time with your loved ones?" And as for Mozillo! That man knows EXACTLY what is going on with in his company and he does NOTHING!
Left: April 12, 2006 By: In: California
Enron ? S&L crisis ? CHL ? Hmmmmmmmm
Left: April 04, 2006 By: jim In: simi
Thanks to the ONE that posted lawfirms to read and then CONTACT about wrongdoings by CW.
NOW, I have hope.
Left: March 20, 2006 By: In: California
let's eliminate countrywide and break it up into 4 competing lenders
check out their lousy rates 7.0% 30 yr fixed 0 points
http://www.countrywide.com/refinance/default.aspx?
Left: March 17, 2006 By: In: California
http://www.ripoffreport.com/
search: countrywide
You will be appalled
Left: March 16, 2006 By: In: California
Well Countrywide sure did get their hands slammed in the cash register for running thier sweatshop call centers.
They thought they could get away with it because no empolyee can sue the company.
You sign the arbitration form before you ever get to fill out a job employment application.
Well that didn't save their greedly fat asses did it when a class action lawsuit got 'em.
They still think they are so big that they are above the law operating unlicensed in States that require it and violating RESPA and Fair Housing laws left and right.
Countrywide is a predatory lender that gets retired people into option arms under the guise of payment releif and they flip their own loans they manage for their investors. What kind of crooked mortgage company solicits borrowers that have had their loan less then 6 months?
No one can do what Countrywide can. haha
Left: March 15, 2006 By: In: California
well, we hear it all...we are full of shit? you must be an manager from countrywide because noone else would post on such a site....
obviously this is more proof of what is going on at countrywide, the managers are never wrong always the employees according to this confused poster...
the managemenet and upper management of this company is as crooked as it comes.
I run a realtor group at of OC and I can say that the reputation of the Countrywide Management in San Diego is some of the worst. The people who came from North American Mortgage have polluted the area and the company will eventually rid themselves of such utter errogance.
In northern cali the managment is far from the cries of the call centers that countrywide settled when they realaized they were in big trouble with that one and much more that was coming out.
These are bad bad unregulated people..
Left: March 15, 2006 By: In: California
I think you all are full of shit.
to have a problem with your management, you're not doing something right.
Left: March 15, 2006 By: In: California
I think you all are full of shit.
to have a problem with your management, you're not doing something right.
Left: March 14, 2006 By: Rather not say In: Lancaster
Todd Graves cheats on his wife with his counselors and team leaders... how do I know... just trust me on this one... he is a liar and a cheat and a scum of a human. What a waste of skin.
Left: March 12, 2006 By: In: California
Save yourself the misery and just dont work there.
Left: March 11, 2006 By: In: California
Harry Belafonte, Al Sharpton and Jessie Jackson are big cry babies!!!!
Left: March 11, 2006 By: In: California
I don't know. But Martha Stewart has big hairy balls!
Left: March 10, 2006 By: Anonymous In: Calabasas, CA
Former Employee: I worked at countrywide as a SLAVE! I had to ask to go to the bathroom. I had to ask permission to take a lunch or a break. Which btw I only got about 5 lunches in the two and a half months that I worked there. I never got a break EVER! My boss Michael Schloessman constantly yelled and screamed at me. I worked on the trading floor and it was so noisy. Not once did one person say thank you to me for anything. The one day I decided to take a lunch break and was gone for 20 minutes I returned to screaming and yelling because I wasn't there to dial a phone number for Mike. What do his fingers not work? IS he disabled? Everyone there is hung over, or on drugs! I personally know several people who work there who sell drugs and use drugs on a daily basis. Most are on MySpace. Nobody cares about their customers. They laugh and talk smack about all the customers. They work all employees like slaves and mistreat them. DO NOT WORK THERE DO NOT GET A LOAN WITH COUNTRYWIDE!
Left: February 26, 2006 By: In: California
Southern California employees who have been violated please contact us at countrywidecomplaints@yahoo.com
Left: February 25, 2006 By: In: California
scroll over to click for adding comments
Left: February 25, 2006 By: In: California
What's-up with the bad formating?
Left: February 14, 2006 By: M.E.R. In: Burbank
I worked for CHL in the HELOC collections department in Simi Valley for a year. I wanted to express my own concerns about the company that like to pat itself on the back. I may have to break this up into sections, but let me tell you some things I saw. First, Training. This may not be the same for everyone, but I went through about 2 weeks of training in basic mortgage banking principles, but: there was not much depth to the training, just enough to get you ready to swim with the sharks, and when I went through, you were not grouped with, say, people who you may be working on the same types of things with, it was all one hodge-podge (to get you on the phones quickly). Once training was complete, you went to your department, there you would sit down with "managers" (usually people who had anywhere from 1-10 years experience, or people who had said and done the right things, which meant high numbers (more on that later)) and you trained with them, watching them take call, and learning how the screens worked. Once your manage thought you were ready, they put you "on the floor", which meant you would begin taking live calls. Now if you'd notices I have not mentioned training much, that's because many departments in Countrywide are not designed for proper training, but for SPEED. That's right, folks..there are very, very few people in countrywide who are honestly concerned about your load, they are only concerned on keeping their numbers high enough for promotions and raises.See, in Collections, and in a few other departments you are given a number and type of loans to call on, now, they be brand new, or the payment may not have posted, but to the department, it's a past due loan and needs to be called on, so you can imagine how many times I was cussed out by homeowners aksing why am I calling them the day after the loans was due! (there's that excellent customer service you hear so much about..) The biggest problem with CHL is it's lack of any reasonable communication within the company because it's too big..and because you have a lack of real training because the company's getting bigger and swallowing smaller loan companies, you get the types of horror stories I've been seeing on this site..a lot of people there just don't know how to take care of a loan properly, and they just move it from person to person. I can tell you of story after story of call being transferred to our department only to hear someone not solve it and pass it back, mainly because of the numbers. Before I finish this posting (I may be back later to post more) let me tell you about the numbers, it may explain the bad service you get. now, I can't speak for every department, but in collections, based on your experience, to get raises and bonuses, you had to go through a certain amount of call in a period, and have high evaluations via the managers on your "servicing" of the call, which did NOT necessarily mean did you solve the homeowners queries,just did you follow CHL procedures. So, when you speak to a representative there, in their mind, they are not thinking "how may I help you?" they are thinking: how long? and how quickly can I give this person an answer that will get them off the line? Anyway, I could rant on a bit more, but I'll end it here and see what feedback comes in...
Left: February 13, 2006 By: In: California
The Federal Trade Commission really needs to investigate Countrywide.
Once they get a hold of Countrywide the Ameriquest Settlement will look
like peanuts.
#1. Call Countrywide to inquire about interest rates.
Go ahead call the 800 # or a retail branch.
Sure they will quote loan interest rates and loan programs
to you all day long.
What they Never do is quote to you the ANNUAL PERCENTAGE RATE
when quoting rates and fees to the customer.
This is in violation of Reg. Z
Their antiquated software *advantedge* does not have the ability
to blend the rate and closing cost into an APR to get
the true cost of obtaining the financing.
Sure a 5 year ARM at 6.25% might sound good to you but when they don’t
disclose that the real APR is 7.12 that is a violation of the law.
FTC you need to really look into Countrywide’s numerous
compliance violations including not sending disclosure packages
to borrowers within the 72 hour time limit.
Left: February 13, 2006 By: Dont Be Fooled In: City of Industry
If you wait to pay your Countrywide payment today the 13th do not drop it off at a branch.
They just mail it in for you and you will get a late payment fee charged even though Countrywide technically has your payment.
Just another way Countrywide Home Loan SUCKS!
Left: February 10, 2006 By: In: California
COUNTRYWIDE is NOT an E.O.E. and does NOT conduct business in a drug-free work environment.
Left: February 10, 2006 By: i hate cw In: so cal
right on! for the one thats going to pay on the 13th from here on out, everyone else should do the same lets bri ng down bad buisness!
Left: February 10, 2006 By: Felix Liamson In: San Francisco
I got a loan through Countrywide last year and I just want to say that everyone who works for them are all liars and thieves. They told me there were not going to be any points and fees and I discovered that I was paying over $22,000 in points & junk fees and my rate was supposed to be fixed and it just kept on going up until I could not afford to pay and they tried to foreclose on me. When I tried to refinance, they told me I had to pay a $20,000 prepayment penalty just to get out from under the loan. It was a nightmare and if you are applying for a loan with Countrywide right now, I urge to stop and apply somewhere else or you'll be very very sorry. I have since refinanced out of that horrible loan with a reputable bank like Washington Mutual and I'll never get misled by the scum at Countrywide again.
Left: February 09, 2006 By: In: California
the corporate culture written by joe anderson has been smothered by the layers, and layers of blubbber from brian "hope to have a cardiac soon" hale. this piece-o-shit has totally screwed the CHL name/reputation up. just like he did to wells fargo. however, wells got smart and FIRED his brand of lard. it would seem that as angelo approaches retirement, he would at least like to leave a living legacy that would honor loeb and himself. too bad he let theives/crooks (hale,sanbol, sota, hanson, rodgers) slither in on the former great name of countrywide. as the scuzz slides from the s&l's and insurance, they now have set their greedy eyes onto mortgage banking. god help us !
Left: February 08, 2006 By: In: California
Countrywide's executives defy logic like when Spock said, "the good of the many outweighs the good of the few, or the one."
Lazy Countrywide executives even defy their own fundamental behaviors asserted in their own corporate culture statement. Anyone who has worked there knows,
THEY ARE NOT
Open and Honest
Customer Focused
Advocate of Ideas
Continuously Improving
Committed
Adaptable
Visionary
Driver
Professional
Loyal
Solutions Oriented
These are nice ideals but CW only gives lip service to while fat lazy executives drop the hammer and harass workers to work harder with less rewards.
Testimony of customers on this website attest to the fact that their CW culture is a bunch of corporate crap.
Left: February 07, 2006 By: In: California
BOYCOTT HOME DEPOT!!!
February 3, 2006
The Home Depot(R), the world's largest home improvement retailer, today announced the appointment of Angelo Mozilo, 67, chairman and chief executive officer of Countrywide Financial Corporation, to the company's board of directors.
Left: February 07, 2006 By: In: California
Lara - Do you have federal flood Insurance?
Also if you pay online for 3 months they quit the paper statements. Go online and check your account.
COUNTRYWIDE SERVICING SUCKS.
Left: February 07, 2006 By: Lara In: Grover Beach
My loan was sold to Countrywide in August '05 and since then we have been harrassed about not having flood insurance. Our insurance co. has called, faxed, e-mailed and hand mailed copies of our flood policy to no avail. Now they're trying to add it to our payment. After talking to 7 diff. people in one call my husband got them to remove it from our bill. After finding this site (I was going to e-mail them about those stupid phone calls we get EVERY month for our payment which is never late) I'm now worried they're going to screw us on this. Also, we didn't get an envelope this mo. to send in our payment so I'll have to wait and see if it gets processed correctly. Thank god we can refinance, and we're going to right away.
Left: February 05, 2006 By: patty k In: oakland ca
My problem is NOTHING like others have. I'm LUCKY!
I have only had my loan for 5 months. I pay online and pay extra into the principal. If I haven't paid them by the 4th, I start getting phone calls and messages. I worked Friday(payday) Sat and today-Sunday. I was stuck at work from 0645 am to 8:00pm all three nights. I figure I'd pay my bills Monday,because I'm off from work!Tonight I have two urgent messages to call them. Then I remembered ,they call for payment if you haven't paid by the 4th of the month. Yes, they admit you have 14 days. I pay online and pay extra principal. I will be stuck with them for two years (or pay penalty) but I will find someone else-believe me! I will pay them online and mark payment for the 13th of the month from here on out.
Left: February 05, 2006 By: In: California
COUNTRYWIDE TO END Pensions for Those in Worker Cubicles, But NOT Those in Executive Suites.
Countrywide Financial Corp. is phasing out its pension plan to save money, and employees hired since Jan. 1 won't be eligible for lifetime income in retirement.
But new Countrywide executives still qualify for a special executive pension -- one that will pay Chief Executive Angelo Mozilo as much as $3 million a year for life.
Others view it as a double standard. ``These executives earn what an entire neighborhood of typical families make collectively,'' said Karen Friedman, policy director at the Pension Rights Center, a nonprofit advocacy group. ``They don't need this money for retirement. These plans are just outrageous.''
Patrick McGurn, of Institutional Shareholder Services, questioned . . . Because the plans have not been well disclosed in the past, he said
``I think you are creating potential problems with productivity, morale and all sorts of other issues,'' said McGurn, whose group provides research for major shareholders, such as mutual funds. ``If companies are adopting one set of rules for the senior executives and another for the rank and file, that sort of disparate treatment is going to emerge in other areas. It's got to affect how workers view their employer. It clearly sends a message to the worker about what their value is to the company relative to the executive.''
*****
It's the just the same old song and dance
COUNTRYWIDE CULTURE IS JUST A BUNCH OF BULLSHIT FOR THE ELITE.
COUNTRYWIDE IS NOT THE EMPLOYER OF CHOICE.
Left: February 05, 2006 By: In: California
brian hale is a HOG that needs to go to the slaughter house.
Left: February 04, 2006 By: In: California
wow angelo was a 14 yr old mortgage broker HAHAHA
Left: February 04, 2006 By: In: California
Countrywide Financial Corp., the biggest U.S. mortgage lender, said profit from mortgage banking this year could be between $1.85 billion and $2.55 billion, compared with $2.4 billion in 2005. The firm may fire brokers this year, CEO Angelo Mozilo said Wednesday.
"If you hit the midpoint of those projections in terms of market size, there has to be an adjustment in terms of headcount" Mozilo said in an interview.
*********************
There it is from the horses mouth. Housing bubble means employees get the axe. DISPOSABLE
*PEOPLE ARE OUR GREATEST ASSETS* ALL LIES, LIES, LIES
*********************
Brutal competition in the shrinking home loan market has caused "irresponsible players" such as Ameriquest Capital Corp. and New Century Financial Corp. to spoil mortgage banking profits, the chairman of No. 1 home lender Countrywide Financial Corp. said Tuesday.
Announcing earnings that disappointed Wall Street, Countrywide founder Angelo R. Mozilo singled out the two Orange County-based competitors, blaming "the Ameriquests and New Centuries of the world" for pricing loans too low in a bid to retain market share as business slows.
"I've been doing this for 53 years, and I've never seen that situation sustained," Mozilo, 67, said during a conference call with securities analysts. "Eventually they gag on it."
But with its quarterly mortgage banking profit down 80% from 2004, Countrywide too may have to cut jobs in the near term, Mozilo told analysts Tuesday.
Left: February 04, 2006 By: In: California
if the top execs don't clean house down here in socal, the Bianchi's of the world will have them in litigation for years and years from the socal management very rogue actions they live by.
Left: February 03, 2006 By: In: California
NO ONE CAN LIE LIKE COUNTRYWIDE CAN
Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. That’s right, no application fee, no appraisal fee, no title fee, no underwriting fee, NO CLOSING COSTS.
NEVEVERMIND THAT IT’S 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: In: California
countrywide is the borg - they are to be resisted at all fronts
Left: February 03, 2006 By: jake In: cali
Improper Home Charges
Read then File a complaint
www.zimmreed.com
Left: February 03, 2006 By: In: California
Angelo - cut Brian Hale's salary 54%
Left: February 03, 2006 By: In: California
brian hale is such big, fat, lard ass turd he clogs the toilet when people try to flush the piece of shit.
Left: February 03, 2006 By: Blowing Steam In: Fresno
This is in response to my 1/28 comment. Sorry, so late. By the way, I love this website. It's been almost therapuetic to me. Countrywide doesn't care about customers or quality. They let the entire shithole get run by cocksucking pions who run the place like a fucking mob instead of a professional business (It must be their Italian roots). I should know, I've been there and trust me Countrywide is not a company that is afraid to ruin lives. Although there are some decent people working there, they are far outnumbered and subdued by the rest of the assholes. I'm not going to release names but I can offer some tips on how to fight off this predatory lender. First of all, if your loan is with Countrywide then you need to refinance and have them place a term, in your contract, that stipulates that your loan will NEVER be sold, transferred, or serviced by Countryide. We must ban all Countrywide and CHL affiliated products and services. We can also hit their wholesale lending division, by having independant brokers and mortgage companies cut off Countrywide from their list of lenders.
Left: February 02, 2006 By: were did all the money go! In: so. cal
i made all my payments on time, my credit report doesnt even know i had a loan through cw no history of payments late or on time! then it was so conviently recorded wrong,then they said i had to fix the problem it wasnt there problem, FU cw,where did all those payments go huh cw. well it cost me aprox. 12000 f-n dollars to fix it. i will never do buisness with cw again. somebody made a lot of money, you are very dishonest and unprofessenal,were did all that money go? p.s. even the office of the president is bs they even brush you off because they think they have more important things to do then take care of there customers, or is that were the problem LIES fu again and you will get yours dont worry.
Left: February 01, 2006 By: JANET In: FRESNO
I WORKED FOR COUNTRYWIDE FROM 2-1-01 TO 9-1-05, AT FIRST I WAS IMPRESSED BY THE COMPANY. PUT THEM LITTLE BY LITLE I SAW THINGS THAT BOTHERED ME. A LOT OF FAVORTISM STARTING WITH MY OPERATIONS MANAGER WHO BY THE WAY DOES NOT KNOW SHIT WHEN IT COMES TO PROCESSING OR MANAGEING PEOPLE. TO HER IT IS ALL ABOUT PASS ON THE BUCK ONE OF HER OPPERATIONS STAFF. I MUST SAY I WORKED MY ASS OFF AT COUNTRYWIDE LONG HOURS AND WEEKEND, YES I WAS PAID BUT I DID BECAUSE I HOPED TO ONE DAY BE REWARDED. BUT THAT DAY NEVER CAME INSTEAD THE HIRED A DUMB AS BITCH THAT WORKED FOR WAMU, AS A PROCESSOR AND THEM MADE HER A BRANCH OPS MANAGER TO A SATELITE OFFICE. THAT REALLY PROVED THAT THEY COULD GIVE A SHIT ABOUT ME AS A PERSON OR EMPLOYEE. TO BRING IN SOMEONE WHO DOES NOT KNOW SHIT BUT BECAUSE SHE KNEW SOME. YOU KNOW WHAT THAT OLD SAYING IT IS NOT WHAT YOU KNOW BUT WHO YOU KNOW. DON'T WORK AT COUNTRYWIDE HOME LOANS THEY SUCK ASS!!!
Left: February 01, 2006 By: In: California
Melanee
Hope you know what you are doing. Dont tell me, you got a "smart choice" loan? Does it have a pre-payment penalty? 1 or 3 years? Be ready to sell or refinance your home in the next 24 to 60 months.
Pay your payments on time. Dont wait till the 15th. If you pay online for 3 months Countrywide will stop sending you paper statements. I'd mail the payment early in the month. Watch your statements for any irregular activity.
Left: February 01, 2006 By: Melanee Green In: Modesto
Wow, I am really nervous now. I just closed my refinance in December with Quicken Loans and they just notified me Jan 27 that they sold my loan to Countrywide as of the March 1st payment. I was going online to try to set up electronic withdrawal of those payments when I stumbled first upon your site. I did not even choose to deal with this company...and I suppose I have no choice in the matter now. I really hope I do not fall into the nightmare of stories I have read by so many on your site...but if they have screwed and angered so many, I do not feel much confidence that they will deal fairly with me. Is there anyone I can contact if they do? Is there a class action suit at this point?
Left: January 31, 2006 By: In: California
what a bunch idiots fu cw
Left: January 29, 2006 By: In: California
Angelo has so many heads up his ass that he has no idea who and how these scum are ruining his company, work force and customers.
In stead of fixing it he goes along with the scum and ship existing Cali jobs to Texas, Florida and Arizona. Right to work States.
Culpability starts at the top.
Enron was big once and CFC is a big on paper tiger built on loan servicing with other peoples money.
When the deck of cards starts to fall it's all going to come down fast.
When you have lousy loan product pricing, lousy processing and services, low retention of employees and loan portfolio, once the public sentiment turns on the company as the corruption is exposed there wont be much of anything left.
Left: January 29, 2006 By: In: California
Hey folks don't forget about thefat whore who tried to have a doctor cut away her fat ass, Megan Fink.
Not only is the fat ass bringing down Countrywide from where it could be, she also has put her family into it, both daughters...
Fun is coming their way hahahahahahaha, crime does not pay.
Left: January 29, 2006 By: In: California
I will add that Dan Hanson, John Bianchi, and other scumbag senior execs might be in the running although Hale is above Hanson.
Hale is a problem, he is the one who recruited half the world over to CFC, now half of them are lining up to sue the Southern Cali criminals, not only against employees, but also borrowers.
After reading all the fun stuff that CFC does, it does not surprise me that they settle or lose almost all cases against them. They know they are scum, but it is profitable.....
Left: January 29, 2006 By: In: California
NO ONE CAN LIE LIKE COUNTRYWIDE CAN
Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. That’s right, no application fee, no appraisal fee, no title fee, no closing fee, NO CLOSING COSTS.
NEVEVERMIND THAT IT’S 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 29, 2006 By: In: California
the #1, big a-hole honor goes to brian "lard ass" hale. 2nd place goes to gene sota (sp. ?). third is lisa chambers.
Left: January 28, 2006 By: In: California
To Fight Back, start with naming the people who are the assholes etc....
Left: January 28, 2006 By: PISSED OFF In: FRESNO
COUNTRWIDE IS RUN BY A BUNCH OF ASSSSSHHOOOLLES. I HOPE THEY BURN DOWN AND GO TO HELL..ALL THE SONSOFBITCHES & FILTHY WHORES THERE NEED TO B DESTROYED. AS CONSUMERS WE NEED TO FIGHT BACK!!!
Left: January 28, 2006 By: Kelleen Farrell In: Placerville, CA 95667
Countrywide bought my loan effective Dec. 1, 2005. They lost the december and the january payments and they are now threatening foreclosure, despite having received verification of payments from me and directly from my bank. They call me daily, even at 7:00 am on a Saturday. I am filing a lawsuit. If you want to join, please email me: kfarrell@inreach.com. Thnaks for this website.
Left: January 28, 2006 By: In: California
what is a "jagoff" ?
Left: January 27, 2006 By: In: California
No shite Angelo is so concerned with his tan that Countrywide cant hire a newb to type a 1003 to help themselves.
Blame Doyle.
Left: January 27, 2006 By: In: California
the scum at Cwide just can't do a damn thing about this board or the fact that they are a bunch of criminal scum that will continue to payout to plantiffs and the government agencies that they defraud.
When the SEC finally gets all the info, this Companmy will be on the front page still, but with other headlines, something like FRAUD FOUND IN 1000's of LOANS in SOCAL ALONE.
Gotta like them apples, especially when I KNOW the crimes and the scum involved in SoCal.
Left: January 27, 2006 By: In: California
Scroll way down for responses. Countrywide Jagoff doesnt want you to read this board.
Left: January 27, 2006 By: In: California
Left: January 27, 2006 By: In: California
READ THE ARTICLE DUMBASS. CHL is NOT one of the top 100 but Quicken Loans is along with a half dozen other mortgage lenders.
Left: January 27, 2006 By: In: California
keep on drinking brian hale's kool-aid!!
Left: January 27, 2006 By: In: California
yea, i wonder how many $$ in advertisement did it take for chl to make the magzine's little list. what a croc-o-shit, dude!!! wake up!!!
Left: January 27, 2006 By: In: California
FORTUNE 100 BEST COMPANIES TO WORK FOR - 2006
http://money.cnn.com/magazines/fortune/bestcompanies/full_list/
It's interesting the Mortgage/Banking Companies that DID make this list but NOT Countrywide Home Loan SUCKS.
Left: January 26, 2006 By: SoCal In: California
What about Doyle?
He's just some nerd that can read a spread sheet with a SVP title but when he tells his soldiers that the sales are good but they can be better he doesn't understand like most of upper management that it's like Hitler. Yeah hitler never killed any Jews but he gave the orders. Upper management is culpable for how the workers are treated and their countrywide culture is just a bunch of bullshit. Take that Joe Anderson. Words and NO DEEDS to back the culture up or maybe that's the way it is over in happyville, executive suites. Dream on, but not in the trenches.
So the middle manager VPs carry out the orders. We need more work from the workers in Stalage 13. Well then lets just cut their food rations (wages) that'll hold thge bastards. Work harder then you'll make what you used to make. AND no more pizza lunches to get you to work on your lunch hour since somebody complained and we got sued.
Bottom line: People are not Countrywides greatest asset. the financial bottom line comes first so Angelo can maintain his lifestyle.
Left: January 26, 2006 By: In: California
Thank you for contacting the Federal Citizen Information
Center.
Your message was forwarded to us for response from
the U.S. Department of Justice (DOJ).
We have received your message regarding Countrywide Home loans
of California.
If you wish to file a complaint against a mortgage or
finance company that does not fall under the purview of a
banking authority, there are several sources to consult.
You may first want to contact the Federal Trade Commission
(FTC) and file a complaint via telephone by calling toll-
free 877-FTC-HELP (877-382-4357). Representatives can be
reached Monday through Friday from 9 a.m. to 8 p.m. eastern
time.
In addition, within your state you can contact your local
consumer protection agency. To access a list of consumer
protection agencies, please visit:
http://www.consumeraction.gov/state.shtml
We hope you find this information helpful.
We are unable to accept replies sent to our mailbox. If you
have any additional questions, please call our National
Contact Center at 800)-FED-INFO (800-333-4636), Monday
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Left: January 26, 2006 By: MAD CONSUMER In: California
cw cost me 12000 dollars, f u cw,hope you guys get creamed,and dont say you should have made your payments on time or done my end right,i have 0 late payments and cw, told me it was so screwd up i had to hire somebody else,a3rd party to fix there fk up. how can our gov.let this company exist!!! F--KYOU CW AND THE HORSE YOU ROAD IN ON!!!
Left: January 26, 2006 By: SoCal In: Rosemead
and you know what pissed the VPs off the most was when the AEs showed their checks to the VPs and were making more money than them but the AEs earned it!
The VPs get back by micro-managing AEs to the point where most quit or fired for ticky tacky shit.
Penis envy at it's best, but those VPs couldn't sell, so it was easier for them to kiss Doyle's ass for the VP job so they could get the easy guaranteed paycheck job, so fuck 'em.
Left: January 25, 2006 By: In: California
In what region are you talking about the VP's crushing businesses of the employees that work for them?
Left: January 25, 2006 By: In: California
WTF is wrong with Countrywides upper management that they let the lower middle manager VPs screw with the producing loan reps so much that they leave? Out the door! I'm not saying fired, I'm saying see you Later cuntrywide asshole managers, I resign! Come on now - 3 guys closing 10 million a month walking and Countrywide doesnt give a shit cuz they think they'll just get 10 more people to replace the loan production.
What kind of corpo culture allows that? One that's all talk and lip service while in reality it's ALL BULLSHIT.
And blame upper management. they dont come out of the outhouse smelling like a rose because they know this is going on and let it continue to go on. Isn't it amazing how that high turnover rate at countrywide doesn't include the fuckoff managers? Hmmmm. . . .
Left: January 24, 2006 By: Bye Bye Kalifornia In: TEXAS
Countrywide continues to have a high rate of personnel turnover. Yet they persist in hiring more and more newbs in Texas.
http://www.bizjournals.com/dallas/stories/2006/01/16/story2.html?from_rss=1
Countrywide buys building in Fort Worth
Countrywide Financial Corp., continuing its expansion tear across the Metroplex, has snapped up a Fort Worth office building to accommodate 1,500 additional jobs.
The purchase by the financial services company comes on the heels of the company's acquisition of a 420,000-square-foot office campus for a 1,500-job expansion in Plano, and a commitment to create 5,000 new jobs at its regional headquarters in Richardson.
THAT'S A RIGHT TO WORK STATE FOR YOU
Human Resources - You are just a commodity.
Countrywide's Mission Statement - Become the #1 lender in retail mortgage banking.
People are not important - they are to be used.
Countrywide - NOT THE EMPLOYER OF CHOICE. STAY AWAY!
Left: January 21, 2006 By: In: California
PLEASE EMAIL US IF YOU ARE A CUSTOMER THAT RECIEVED A GIFT BASKET FROM PLATINUM GIFTS AFTER DOING A LOAN WITH COUNTRYWIDE IN SOUTHERN CALIFORNIA-
IF YOU HAVE DONE A LOAN ARECIEVED A NICE BASKET< IT IS A VERY HIGH CHANCE YOU WERE VIOLATED AND COULD BE PART OF A HUGE CLASS IN THIS AREA..
THE 100's of loans of years of kickbacks will soon be out in the public. This is very illegal.
Please send you comments and story to countrywidecomplaints@yahoo.com
Left: January 21, 2006 By: In: California
True. as an ex=employee is Southern Cal we did charge a fee that triggered a gift sent, I was amazed also that they did this, which I would not do, thus saving the cusoitmer more than $300 by sending it myself. The gift only costs $100 and managers told us to charge $400 and the added income goes to the Company....
cant'e beleive this is coming out after all this time, I was with the COmpany for years...ticking timebomb it appears, glad I am not in the way of the legal problems in San Diego.
Peace!!
Left: January 21, 2006 By: In: California
There is a Company by the name of Platinum Gifts in San Diego area that recieves a portion of the processing or underwriting fee from Countrywide loans to pay for the gifts that the customer recieves, this is supposedly in thanks for doing the loan, yet unknown to the customer, Countrywide does not mandate the fee charged UNLESS you are sending a gift, a great way to save $1000's monthly.
After an investigation, we have found that Platinum Gifts, which is owned by the Daughter of Megaqn Fink, VP Areas Sales Manager, Region 53. Fink answers to her close close partner in crime, John Bianchi. These two were together at North American Mortgage before coming to Countrywide so many years ago. They beleive they can forget about laws that have it illegal to give kickbacks, especially to family memebers.
Our investigation also turned up the fact that not only is Platinum Gifts recieving the majority of its revenue from Countrywide gift orders, but it is recieving orders from numerous branches through Countrywide.
Employee statements that it was a known practice to charge customers for the gift, yet not list that charge on the GFE or Settlement Statement, when they KNEW the funds were not goig to a processsing fee.
To give all the enormous nature of these kickbacks to Platinum Gifts, facilitated by Megan Fink and John Bianchi and Countrywide in Southern California, look at the #'s.
1 Branch does 200+ loans monthly- 200 gifts x $100 ='s $20,000 in sales per month.
Now add 15-20 branches 20 x $20k = $400,000 monthly!!!!!!
$400k x 12 = $4.8 million a year in sales from the illegal kickbacks to this VP's daughter, who goes by a married last name, but it is the Daughter of Megan Fink, a known violator.
To have your daught recieve funds of borrowers through intentional misrepresentatrion and fraud will soon be added to all the Class Actions against this troubled Company.
IF YOU HAVE RECIEVED A GIFT BASKET FROM PLATINUM GIFTS AFTER DOING A COUNTRYWIDE LOAN PLEASE EMAIL US:
countrywidecomplaints@yahoo.com
Left: January 20, 2006 By: roy In: tampa
Notice: Must Read
Wrong Doings www.jameshoyer.com
file your complaint
Left: January 20, 2006 By: LUIS F RODRIGUEZ In: SAN JACINTO
I WAS HAPPY UNTIL I RECEIVED THIS CLASS ACTION TODAY AND FOUND YOUR SITE OF SO MANY UNHAPPY PEOPLE.
SO FAR SO GOOD IN COMPUTER PAYMENTS, BUT I HAVE NOTICE THEY DO NOT MAKE MY PROPERTY TAXES ON TIME, I AM NOW GOING BACK AND CHECK IF THEY RAISE MY SCROW PAYMENT TO COVER THEIR MISTAKES.
FOR THOSE GOOD PEOPLE ASKING FOR A CLASS ACTION
SUPERIOR COURT OF THE STATE OF CALIFORNIA
FOR THE COUNTY OF ALAMEDA
MARK NOBLES,et al.,
Plaintiffs,
V.
COUNTRYWIDE HOME LOANS, INC.,
Defendant
Case No. RG04138349
The complaint in the action alleges that Countrywide Home Loan inc. ( Countrywide) engaged in illegal and improper practices relating to charging it's California borrowers
a document preparation fee. Among other things, the complaint alleges that COUNTRYWIDE charge California borrowers a document preparation fee for legal services, and that COUNTRYWIDE may not lawfully charge for legal services. Countrywide
denies the allegation of the complaint and contends that the document preparation fee was fully disclosed, agreed to, and lawfully charged.
On April 25, 2005 the Court conditionally ordered
that the Action may proceed as class action lawsuit on behalf of "ALL persons who paid a document preparation fee etc....
Attorney: ZIMMERMAN REED PLLP
P.O. BOX 55056
POENIX, AZ. 85078-5056
1-877-725-5795
I HOPE THIS WILL HELP SOME OF YOU WHO NEEDS A ATTORNEY...
Left: January 19, 2006 By: In: California
Illegal kickbacks in Socal are the way of life at Countrywide.
John Bianchi and the people who workd for him in management actually kick back money to family memebers from customer fees charged. This is 1000's of loans that violate HUD and is fraud. The group in Socal is as bad as it gets, arrogant, rich, and with a Company that willingly turns their heads to violations of cusotmers and the public.
The fraud is easy to find irf anyone looks. The kickbacks are easy to show.
email us at countrywidecomplaints@yahoo.com and we can provide the path to the proof.
Left: January 19, 2006 By: roy In: tampa
Notice to all. Appraisal overcharges fees settlement in Oct. 2004 thru a class action suit was won. Look up and read www.sherlocklegal.com and notified the lawfirm if you feel you been cheated.
A MUST to read for all, ripoffreport.com
For Countrywide sweat shop employees go to
www.gdblegal.com
Left: January 19, 2006 By: ricky In: clearwater
VICTIMS, James Hoyer Attorney at Law, Tampa, florida is looking into possible class action lawsuit against wrong doing by CW.
Go to their web page and read the story and make your complaints. LETS BE HEARD.
LET US ALL BE INFORMED.
Left: January 19, 2006 By: In: California
get a life
Left: January 18, 2006 By: hahahahahaha In: ahahahahahahahahahahah
cw is wonder full they are a very nice group to do buisness with and im only haha!
Left: January 18, 2006 By: pot head In: stoned again
are you idiots still here hahahahahahahaha
Left: January 17, 2006 By: In: California
People, if you are not going to name the people whom you worked with at Countrywide it does no good to complain here....names of the loan consultants or managers should be posted for all to see and be aware of.
this site is a privately owned site and there is nothing that the owner will do to help anyone find anyone who is posting on this site, so please forget about backlash, LIST THOSE SCUMMY PEOPLE IN CALIFORNIA WHO WORK FOR COUJNTRYWIDE AND HAVE VIOLATED PEOPLE> NAME AND BRANCH LOCATION HELPS< BIG TIME>
Left: January 17, 2006 By: In: California
Countrywide is a PREDATORY LENDER. They solicit their own elderly and disabled borrowers on fixed incomes who currently have a nice low interest, fixed rate mortgage, and bait them with the sales line that they can reduce their monthly payment by maybe $50 to $100 a month with a fixed period ARM or Pay Option ARM. To these elderly borrowers, some who have diminished mental capabilities, who are payment and budget sensitive, this extra money for their budget seems good on the surface. Nevermind that the closing costs rolled into the new loan will take years to recapture if ever. Nevermind that the loan goes fully adjustable in as little as one month or a period of months. Nevermind that the new ARM probably has a prepayment penalty clause. Talk about pulling the rug out from under these payment sensitive borrowers.
It would make more sense to get a small, no closing cost, home equity loan and draw out that extra $50 or $100 a month of their equity to make up the budget difference. There's more profit for Countrywide by doing the full refinance. All those affiliate companies from Landsafe credit, appraisal, title, and escrow pump a lot of money into the company, not to mention the 3 point pricing profit that’s hidden on the backside through their higher rates, compared to what is readily available on the open market.
What do you call a company who refinances their own customer and they already have just recently refinanced them in the last 24 months or less. MORTGAGE CHURNING
Left: January 16, 2006 By: Grinch In: Scrooged
Imagine working for Countrywide and they throw a Christmas party for your department but tell you if you bring a date then you get to pay for their dinner yourself.
Then right before Christmas they call a meeting to inform you that your pay is being cut by more than 50% but dont worry just work harder for the company.
Sad but true.
Left: January 16, 2006 By: bump In: California
F YOU ARE THINKING ABOUT WORKING AT COUNTRYWIDE, SIMPLY DON'T. Take your nightmares and think of them as a day in paradise compared to working conditions there. I have been a successful mortgage loan officer for five years and was recruted by these low lives.
They lied to me about every possible aspect of operations, once I started my "manager" was a kiss ass 20 something year old kid who s only talent was to be a yes man for higher up managment. This person has no qualification whatever in handling the job, and aside from his car manual had not read a book in his entire life! As for the staff as a whole it is nothing but a bunch of lost pushie kids whose prior work experience does not surpass fast food chains or radio shack.....The only thing they are told a hundred times a day is " get loans, borrowers are stupid liers, you are in charge. Do whatever it takes, push push and push more to get loans". They paint a rosey picture, chose one or two kiss ass "mopdel employees" as people that make great money and pay sweatshop salaries and inhumaine working conditions. Their only aim is to screw the employees and the borrowers so wall street and a few fat cats remain happy. If you value your sanity stay away from Countrywide.
Left: January 16, 2006 By: In: California
Countyrwide Shipping Jobs Off-Shore "In Their Own Words"
http://www.keane.com/clients/videos/clientvid-production/cw_hold.htm
Left: January 16, 2006 By: In: Rosemead
Countrywide defrauds borrowers. It's their policy to charge all borrowers for a 3-bureau credit report even though it is their standard operating procedure to only pull a single experian credit report as much as possible. Often time the middle score of a tri-merge credit report is higher than the single Experian bureau score. Lower credit scores mean higher profits for Countrywide due to higher interest rates or a sub prime Full Spectrum loan. Employees that pull tri-merge credit reports are reprimanded without permission.
There is a simple paper trail to confirm this as all loan-closing docs are usually scanned into their archive. How many loans have been charged for tri-merge credit reports while only pulling a single bureau through their company owned Landsafe Credit? Hundreds of thousands of borrowers would be an accurate estimate and this has been going on for years. Countrywide is a financial services company. You have to use their preferred providers. Borrower has no idea that they can use the Title and Escrow Company of their own choice since they never get advised so. Using Landsafe is a cash cow for CFC and employees are mandated to cross sell Landsafe though memos handed down from Brian Hale.
Left: January 16, 2006 By: In: Rosemead
Countrywide defrauds borrowers. It's their policy to charge all borrowers for a 3-bureau credit report even though it is their standard operating procedure to only pull a single experian credit report as much as possible. Often time the middle score of a tri-merge credit report is higher than the single Experian bureau score. Lower credit scores mean higher profits for Countrywide due to higher interest rates or a sub prime Full Spectrum loan. Employees that pull tri-merge credit reports are reprimanded without permission.
There is a simple paper trail to confirm this as all loan-closing docs are usually scanned into their archive. How many loans have been charged for tri-merge credit reports while only pulling a single bureau through their company owned Landsafe Credit? Hundreds of thousands of borrowers would be an accurate estimate and this has been going on for years. Countrywide is a financial services company. You have to use their preferred providers. Borrower has no idea that they can use the Title and Escrow Company of their own choice since they never get advised so. Using Landsafe is a cash cow for CFC and employees are mandated to cross sell Landsafe though memos handed down from Brian Hale.
Left: January 16, 2006 By: Thomas Martin In: Southern California
If you work/worked for Countrywide or Full Spectrum we want to hear from you. We are especially interested in hearing from employees who worked in California. We have the National Mortgage Complaint Center and our e-mail address is Americaswatchdog@AOL.Com.
Left: January 16, 2006 By: In: California
Countrywide VPs are a fraud. If you quit or get fired they keep all your loans so you don’t get paid then they give the big ones to their best friend who couldn't sell their way out of a paper bag because it's the only way they can get a bonus paycheck. Short of that they get their pals a VP job too so they don’t have to work either just like them. Then they can take the dept hot chick out for a 3-hour lunch or hit the casino for some slots on company time. What a stroke of genius.
Left: January 16, 2006 By: In: California
Countrywide is the next Enron. Just watch them collapse.
Left: January 15, 2006 By: In: California
Countrywide executives Suck so much even their spouses have to take drugs to put up with them.
Left: January 15, 2006 By: In: California
CW will hire anybody, H.S. or Equivalent. Even ex- Ameriquest employees.
Left: January 15, 2006 By: In: California
street talk has it that a heavyset vp at chl applied for a job at ditech and needless to say they wanted nothing to do with him
Left: January 13, 2006 By: In: California
how about you tell us the name of your loan consultant and we can all use that person.....
go ahead and tell us the Countrywide person who offered good service. If you truly want to point out you recieved good service, please tell us the consultant you used. if you want to act like you don't know, it is on the paperwork or you can call countrywide and they can tell you who originated it, that is if you forgot who you are referring to.
note: countrywide is such a scummy company they have people that actually post on boards like this to help out public image, actually pay people to post those posts, all day they are on message boards in stock chat rooms and trying to combat the public embarrassment and numerous violations this company operates under daily.
Left: January 13, 2006 By: Roger In: Fresno, CA
I have dealt with Countrywide on a number of ocassions both personally and in a professional manner. They have some of the best customer service I have encountered with any of the other lenders out there. I highly recommend them - they are responsive and courteous. Each company will have some unfortunate experiences.
Left: January 13, 2006 By: Martha has nuts! In: California
Martha Stewart is auctioning-off one of her custom autographed, used, jock straps on ebay now.
Happy bidding!
Left: January 13, 2006 By: In: California
pike you!
Left: January 12, 2006 By: PI In: California
It's interesting who uses the term piker in this thread.
http://www.reiclub.com/forums/index.php?board=26;action=display;threadid=11257
Left: January 12, 2006 By: In: California
piker = fake, phony, wanna-be, posturing, acting like someone you are not, dishonest, unethical, no shame in lying, shame in who u r.......hmmmmmm sounds like Countrywide and the clowns in SoCal.
Left: January 12, 2006 By: Piker In: Pikelandia
What's a "Piker"?
Left: January 10, 2006 By: In: California
sure al, sure.
Left: January 10, 2006 By: In: California
i love it when the countrywide people post such obvious attempts to get someone to say anything good on this board.
so, once again a countrywide employee posts that they are a happy customer. there is no way that a real customer, who is happy, would ever be on this board.
shows you how bad the company is. from the top execs, like Mozilo, to the regional criminal scum like Bianchi, you have a company that is a walking vi9olation and ticking timebimb.
right now a few compmies wanting to buy CFC will not due to the legal problems up and coming, although the Coimpany tries to hide the compaints and flat out lie about its loans.
they are in serious deficinies all across the board nation wide. a systemic problem, not a local, systemic criminal fraud!
Left: January 09, 2006 By: Al Galaviz In: Tracy, California
Yes, we are a happy Countrywide customer
Hello:
Well, I am a happy customer with Countrywide. I saw all the letters. But, I was in a terrible bind, I had over 44,000 in medical bills, and need to refiance the house. I called, wrote letters, and yes they worked with me they waved the pre-payment pentality based on real hardship.
But I had to prove my case. So, from our family they are a company that has a heart, values and intergity. In our case, we wish them well at Countrywide and God Bless them.
Left: January 09, 2006 By: Thomas Martin In: Los Angeles
We have the National Mortgage Complaint Center and we are hoping to talk with former loan officers from Countrywide and or mortgage brokers who were told to "do anything you want" with respect to their Countrywide Home Loan borrowrers (in order to keep the mortgage broker pipe-line full). Our email is at Americaswatchdog@aol.com
Left: January 07, 2006 By: THE FAMILY WHO HAS SUFFERED In: SAN DIEGO COUNTY
COUTRY WIDE IS NOT WHO ANYONE WANTS TO GET INVOLVED WITH THEY WILL CUT YOU OFF FROM YOUR OWN INFORMATION AND YOU CANNOT ACCESS YOUR ACCOUNT THEY WILL ALSO DOCK A FEE AND THEN SAY YOUR PAYMENT WAS NOT IN FULL SO THEY MAKE IT LATE AND ON YOUR CREDIT REPORT LATE .....OVER AND OVER THIS SEEMS LIKE A ILLEGAL WAY TO PRACTICE A BUSINESS.....THEN TRY AND THREATEN YOU WITH LAWYERS ETC. AND EVEN GO AS FAR AS TO BE RUDE AND SNEAKY WITH THIER ANSWERS WILL NOT GIVE YOU DOCUMENT INFORMATION THAT HAS BEEN DONE IN YOUR OWN ACCOUNT
Left: January 04, 2006 By: In: California
whats a lobiest? please send answer soon as possible. thank you
Left: January 04, 2006 By: dont be a fool In: Rosemead
Countrywide Financial aims to grow organicly not thru other corporate aquisitions. In other words they are not going to merge with another bank or mortgage company. It's cheaper to go out on the market and hire any stooge they can find on the street that can work a mouse. If you take their job be prepared to be monitored for everything you do. Phones, computer, break times etc. If you get unlucky and have a phone job you will not have anytime for loan processing as you are expected to talk on the phone 84%+ of the time. Anyting less and you get walked out the door. That's how they get people to work thru their breaks and lunch without pay so they can keep their job.
Left: January 04, 2006 By: In: California
You'd be surprised how many of the managers at cwide actually look like the Ditech commercial guy not those actors they put on their TV commercials. Brian Hale ring a bell?
Left: January 04, 2006 By: In: California
How do you find someone to traust at Countrywide? Past messages say do not trust them, read your paperwork.
Now tell us why a person from New Jersey is on a California bash Countrywide site, yet claims to not work there and not have interest here?
I know, a liar is a liar, a Countrywide person would only post here and lie and say she is in NJ. And to say you are in NJ speaks loudly. Why wouls anyone live in Jersey?
back to screwing over the public huh?
Thanks for posting you are not a cwide worker, funny funny. Who would stick up for cwide on this board but cwide people? no one would.
Left: January 04, 2006 By: User In: Under the bosses desk
Oh...if you really like drugs CA Countrywide is the place for you.
Left: January 04, 2006 By: Jonas Prickman In: New Jersey
Wow! I want to come to california and work for Countrywide! Sounds way better than my boring job here in Jersey. I would give anything to be Sexually harrassed on the job!!! and to be able to get stoned at work! sounds fun! Maybe I'll send in my resume tomorrow!
Left: January 04, 2006 By: blah In: san diego
I can't believe all the fucking whining on this site. If you got screwed it's your own fault because you don't take responsiblility for your own life and investments. It sounds like you have way to much time on your hands and should "get a life". I don't work for countrywide and never would but... Broker's are shady, lenders are shady... blah blah blah... find someone you can trust (by referral) and read your shit before signing.
Left: January 04, 2006 By: In: Los Angeles , CA
IF YOU ARE THINKING ABOUT WORKING AT COUNTRYWIDE, SIMPLY DON'T. Take your nightmares and think of them as a day in paradise compared to working conditions there. I have been a successful mortgage loan officer for five years and was recruted by these low lives.
They lied to me about every possible aspect of operations, once I started my "manager" was a kiss ass 20 something year old kid who s only talent was to be a yes man for higher up managment. This person has no qualification whatever in handling the job, and aside from his car manual had not read a book in his entire life! As for the staff as a whole it is nothing but a bunch of lost pushie kids whose prior work experience does not surpass fast food chains or radio shack.....The only thing they are told a hundred times a day is " get loans, borrowers are stupid liers, you are in charge. Do whatever it takes, push push and push more to get loans". They paint a rosey picture, chose one or two kiss ass "mopdel employees" as people that make great money and pay sweatshop salaries and inhumaine working conditions. Their only aim is to screw the employees and the borrowers so wall street and a few fat cats remain happy. If you value your sanity stay away from Countrywide.
Left: January 03, 2006 By: In: California
Countrywide suck so bad.
First off they hire anybody off the street so when you call that 800 number get ready to bend ovah.
btw - those tv adversements are all has been actors.
Then you get your package on day 10 and it says return by date (yesterday) no time to review them.
Then when you sign closing papers you get a notary who doesn't know jack about what you are signing but sign it now or else. THANKS LANDSAFE.
Left: January 03, 2006 By: In: California
Stupid idots only in America? I just talked to a person in India and asked them about the Couthern California area I am from, and they did not know what California is....Go get em Countrywide.
At least people might get someone honest, so far CHL has not found anyone here in the states that is honest, right up to the CEO himself.
Alot of government agencies looking into the mortgage company that owns a bank, not a bank that owns a mortgage company, something that will eventually be a huge liability to Cwide. The federal umbrella like Wells and Wamu has is not there and that means California can pull Cwide's license with no saving like the Feds did for Wells and WaMu, only because they were a bank.
Countrywide is a ticking timebomb right now and it is due to the arrogance of the upper management.
Left: January 03, 2006 By: In: California
Only in America would some soft girlie man post something bad about our country and on a site that is just for the millions of people who Countrywide violates.
Idiots? Absolutly, how about criminal to add.
Tell me great one, all these idots here, why r u here? On a bash COuntrywide site to help those who might do business with the criminals is a good thing to make people aware of.
In the end, the idot is you and the criminals are at Countrywide. Down to the fraud and filing 10-K and 10-q's that they know are not accurate numbers.
Love it Love it, Countrywide has a lot of incentive to get out of California and any state with labor laws. As public announcements state, they are doing just that, they save on the hourly wages and labor laws and can also screw them over without any recourse from Government agencies to help them. Now that is good for those people, have the scum at Cwide treat them like they do people here in the states, woops, they have no laws there that cwide light be scared of liability wise, it is so funny that this "American" company is so against the laws and standards that they need to move to India and make sure they don't have to settle another big class action, which more are coming and there is nothing cwide can do..
More bad press, huge lending violations...hahahaha this is a Company operating in FRAUD!
Left: January 03, 2006 By: In: California
bunch of stupid idiots, only in america.
Left: January 02, 2006 By: In: California
countrywidecomplaints@yahoo.com
please email us in confidence/anonymous details of Southern California, San Diego/Carlsbad.
there are numerous complaints being prepared and pursued against the Company in that area.
please share with us the John Gillis and any other Southern California information that couold be helpful, and do it anonymous if youlike.
there are many ex-employees and advocates fighting against how this Company does business.
please email us your story details.
countrywidecomplaints@yahoo.com
Left: January 02, 2006 By: In: California
Did he try to get you in the back room closet Frank? Just Kidding.
How would you know what that guy did or did not do? Are U Ex-Employee or Customer, or Spouse, Current Employee?
We have heard similar stories out of Carlsbad and San Diego area regarding management. Please tell us more.
Left: January 01, 2006 By: Frank Smith In: Carlsbad
John Gillis has no morals, loyalty or balls. He has sexually harrassed so many women when he was at Countrywide unitl finally someone liked it and they both left their spouses and broke up marriages. He is a big whiny pussy with no ethics.
Left: January 01, 2006 By: In: California
Sharon- Please spare us. You don't have a clue if you were violated or not, got a good deal or not, so please go back to work at CHL.
There is no other possible reason why a person would post such a naive statement on such a website, proving the ignorance of CHL employees.
So, as long as you look through all paperwork, you could not have been violated? What if there was no papaerwork sent honey? What if you apply for a loan and then are treated disparately?
What if there was "bait and switch"? Are those real violations, or should each and every borrower be forced to hire a reeal estate/lender attorney just due to the fact we cannot trust the loan consultants at COuntrywide?
This is not just make your mortgage payment, this is people who made the payments yet due to CHL bs structure and negligence, the accounting is a mess.
This Company is a running violation. Soon enough all the work will be sent to India so CHL cannot be sued for their criminal activities violating so many laws.
Can you comment on the $320million suit lost to employees for violating their rights? $300+ million!!!!
Do you think there was just an employee error? Well, think again before you jump on anyone complaining about your criminal Company. The whole Company is a mess and soon the regualtors and agencies will be right in the branches looking at what is what, and I can tell you as a past employee, the Company is a hige violation.
Left: December 31, 2005 By: In: California
Sharon - Nevermind Butthead and HIS bad spelling - He's on drugs he bought at cw. Bad grammar :P
Left: December 31, 2005 By: In: California
sharon - nice spelling/grammer...go back to first grade.
Left: December 30, 2005 By: Sharon In: Beverly Hills
I am an real estate investor. I have many loans with Countrywide. I never had any problem with Countrywide. I honestly believe that if you make your payment on time. I really don't have any problem with Cuntrywide at all. Somehow those people who had bad experiences with Countrwide, they should at least go thru all of the loan documents and gain a little knowledge about mortgage before they start complaining. I do feel that those are the ignorence ones!!!
Left: December 29, 2005 By: In: California
Foti investigating complaints against Calif. mortgage company
12/29/2005, 6:07 p.m. CT
The Associated Press
BATON ROUGE, La. (AP) — The state attorney general's office is investigating a California-based mortgage company following complaints that the firm has taken too long to release insurance money meant for Louisiana residents whose homes were damaged by hurricanes.
The company, Countrywide Home Loans Inc., issued a statement acknowledging the delays but blaming them on the high volume of insurance claim checks required after Hurricanes Katrina and Rita. The number of checks overwhelmed the company's system, the statement said.
"This created unfortunate and unusual delays to some of our customers for a period of several weeks," the company said.
Over a dozen formal complaints have been filed with Attorney General Charles Foti's office, alleging that Countrywide has received insurance money meant for homeowners needing to repair their homes, but held on to the cash for an unreasonable amount of time, Foti spokeswoman Kris Wartelle said.
Many such insurance checks require a signature both from the homeowner and the mortgage company before the homeowner can receive the cash. One Louisiana homeowner told investigators that Worldwide held his $111,000 in insurance payments for more than a month, forcing him to produce $50,000 to pay contractors repairing his storm-damaged home, Wartelle said.
The Countrywide statement said the company has caught up with the flow of checks, which "are now being processed in a timely manner."
Countrywide is a subsidiary of Calabasas, Calif.-based Countrywide Financial Corp.
Left: December 29, 2005 By: In: California
INDIA?
Countrywide customers should like to know that their personal information including social security numbers is now available to these off-shore contractors.
It's bad enough that third party telemarketers stateside already have your sensitive loan information and SS #'s.
Left: December 29, 2005 By: Former Westlake Village Employee In: Calabasas, CA
One of your poster's made this comment.. I had to laugh when I read it.. I know the poster is an idiot (he is no doubt part of the handful of posters of the many insane messages here), but it was still worth refuting his comment anyway.
"I think many of you forgot what happened in NYC on 9/11. ARE WE AMERICANS? IF SO, START ACTING LIKE IT. COUNTRYWIDE HOME LOANS IS AN AMERICAN COMPANY, PROVIDING JOBS FOR AMERICANS!
NOT LIKE MOST COMPANYS THAT MOVED THEIR COMPANYS OVERSEAS FOR CHEAP LABOR. WAKE UP EVERYONE!"
Are you KIDDING me???!!
Countrywide has an office in India.. My department had STAFF (EIGHT staff members) in the India Office.. In fact we were TOLD OUTRIGHT by our UPPER management that we could not expand our staff using local (CA or TX) resources.. However, we were told we could hire India staff all day long and twice on Sundays.. AS MANY AS WE NEEDED!!! and you want to know the reason for this trend?? CHEAP LABOR!!
Left: December 29, 2005 By: In: California
all
Left: December 25, 2005 By: In: California
cw cost me 12000 dollars thats not very nice i think you should be punished, now if i cost cw 12000 dollars i would be punished, fair is fair then punishment must be the answer. bye
Left: December 23, 2005 By: In: California
sounds more like the little man, little dicK syndrome
Left: December 23, 2005 By: In: California
Well to understand CHL management you have to understand the peter principal. A person who might be a good salesperson does not mean they will make a great manager. However this person somehow manages to ingratiate himself or herself to upper management to get the promotion. Then once they get the management job that’s when they’ve reached the level of their incompetence. They will end up pissing many of the account execs off with their incompetence but upper management will continue to back them lest they too look incompetent for getting suckered in by these two faced new managers that are nice to upper managements face and shiz to the account execs and processors.
Left: December 23, 2005 By: In: California
Right now one of the biggest investigations going on behind the scenes is in Southern Cal. Wreckless Management.
Left: December 22, 2005 By: Current Employee In: Los Angeles
There are so many problems with this company its amazing its still afloat. Here's some of their current woes:
1. They have antiquated systems. Their current operating backbone was constructed in the 1970's, and little to no documentation remains on how it was put together. This means that you can't change the computer system because it will either collapse or start throwing errors left and right. They resolution? Get business analysts to take out the incorrect data, work on it, fix it and re-insert the corrected numbers back in. This is what's done whenever there's a change in the law for instance.
2. This is only a 30 year old company, so alot of its "senior" management is fairly young. This means that they aren't going anywhere, they're compensated extremely well. So new talent is identified as a possible "threat" and is made to go elsewhere, just in case he/she threatens anyone's job. What has been created is a mass of "yes-men" that prevent bad news or real issues from floating to high up the management ladder.
3. Useless titles and "one-employee" vice presidents are normal here. Whereas most other corporations in the country have downsized their structures, Countrywide goes on with its ancient model. Back in the 1990's most companies wanted to shrink their corporate structures in order to improve communication within the company and get rid of titles for people who didn't need them. This never happened here. What Countywide needs as an organization is for somebody to come along and buy it and clobber it into shape.
4. Automatic payments. Did you know that when you sign up for Countrywide's automatic payment option where they just debit your bank account for each monthly payment, you pay a $10 service fee per payment? Did you know they make millions per year doing this? And it doesn't cost them anything to do it, its just another "nothing" fee you're paying. I recommend you cancel this option and just arrange for an automatic payment to be issued by your bank instead.
5. Did you know that until recently, the company's turn over in employees was 60%! That explains why you can't ever talk to the same person there. It has dropped since that high, but its still a problem.
6. Talking about appraisal fee's. Did you know that the actual current appraisal fee (depending upon area and complexity of the report of course) is $350 for a standard home. However, if you go through the company's sub-prime lender, you may have to pay an additional $200 for a "desk top" review? Watch what you're being charged for and ask why, and reject to pay this automatic "no-service-for-pay" fees!!
7. Did you know that fraud and unethical behavior is going rampant throughout the company! This news doesn't make it to the papers but dozens of branch managers and loan agents have and are currently being dismissed for fraud and unethical behavior. They have had to stop doing certain loan types because of the high percentage of default noted by the investors (Fannie Mae for instance). The company has had to buy back all those loans that have been identified by the investors as having fraud. Before they saw it as a "cost of doing business" since they were raking in the fees up front, but now its turned out to be too expensive so they've had to stop making those questionable loans.
8. Watch out for those "Good Faith Estimates" you get from anyone at this company. They often deflate fees and costs in order to stay competitive with the competition. Have NO DOUBT ABOUT IT, COUNTRYWIDE'S RATES ARE HIGHER than the competitions!!
9. Last year the company was almost bought out by somebody else. Hope that this happens so that this company disappears!!!!!
Left: December 22, 2005 By: In: California
Jesse Jackson and Al Sharpton are racist born losers!!!
Left: December 22, 2005 By: In: California
Butthead is the resident troll here
Left: December 21, 2005 By: i hate cw In: California
thanks for reminding us how unprofesonal you idiots realy are.
Left: December 21, 2005 By: In: California
i work for countrywide...if you dont like us..FUCK OFF!
Left: December 20, 2005 By: In: California
latesha - they have to use b/c paper because the profile does not meet fnma/fhlmc/fha requirements. it is not CHL's problem, they have to adhere to the secondary market just like every other lender.
Left: December 19, 2005 By: In: California
Countrywide contracts out their building maintenance services just like Wal-Mart and let me tell you just like Wal-Mart this sweatshop employer most likely has illegal workers right off the banana boat from Costa Rica on it's payrolls through the contractors.
Fed's take note
Left: December 19, 2005 By: Latesha In: Oakland
Yahoo News search of "Countrywide Home Loans" turns up this article at the top of the search
Minorities Pay Millions More Monthly
http://www.rismedia.com/index.php/article/articleview/12861/1/1/
Just like I told you!
Left: December 19, 2005 By: In: California
I a greed, if the number of just RESPA violations were brought out, it would be the end of the Company, they would have to change the complete structure of how they do busines.
Left: December 19, 2005 By: In: California
so don't believe a word anyone a tOcuntrywide says to you, only what is in writing. I think it is good advice not trust anyone at Countrywide.
I would bet that 50 % of the loans they do are out of compliance. I bet if ALL the borrowers knew their rights and that they werer violated things would be different, but most don't even realize they were violated, anyways, agreed, you heard it from a current employye there, read everything and beleive no words out of those scummy people.
Left: December 19, 2005 By: In: California
Every VP & supervisor should have to submit to a drug test immediately. Start at the top.
Left: December 18, 2005 By: In: California
***Attention Piker*** How would you know this info??????????? you were ( WERE ) a countrywide employee!!!! HAHAHAHAHAHAHAHAHAHAHAHAH just what I said in my first statement you PROABABLY WERE THE EMPLOYEE SELLING THE DRUGS IN THE PARKING LOT , HOW ELSE WOULD YOU KNOW THIS? JUST FOR ALL FUTURE PEOPLE OUT THERE JUST READ THE NOTE ,BEFORE SIGNING AT THE REALITOR OFFICE ITS YOUR OWN FAULT IF YOU DON'T i CAN NOT EXPRESS THE WORD READ, READ ,READ , READ ASK QUESTIONS MANY MANY MANY QUESTIONS!!!!!! BEFORE SIGNING.
Left: December 17, 2005 By: angela In: Colorado Springs, CO
We have had our escrow raised for no reason. They raised it AND doubled our tax payments on our statement. They also raised our insurance premium. Somehow, our payment is $20/month over both our original paperwork and their totals, for example: our taxes and insurance equal $1840, divide that by 12 months and it should be $153/mth - however our escrow payment is $168/mth. Our loan has been owned by two other mortgage companies, and there has never been such a discrepency.
Secondly, they round-up on each of these payments - for example: our insurance premium is $895.89/yr, they are charging $896.00. Our taxes are $943.45/yr, they are charging 944.04/yr. This is a total of $8.40/yr. Now, most people wouldn't worry about $8/yr - right? But, let's say they have one-million loans and round-up on all the escrow payments - that's $8 million/yr in overcharges!!!!
Add that to the $15 dollars they are charging each month from the first paragraph - $188 million every year in overchages!!!!!
I know we are not the only loan they are overcharging from reading other comments on this site...
Anyone???
Left: December 16, 2005 By: In: California
Gotta love the COUNTRYWIDE Full Spectrum Loan advertisements "we approve 4 out of 5 loans".
Yes even with a 500 fico you might get a loan.
HOWEVER They dont CLOSE 4 out of 5 loans.
BIG DIFFERENCE.
Left: December 15, 2005 By: In: California
hi i work for cw im supposed to be working but im to stoned hahahahahahahahahahahah fu cw
Left: December 15, 2005 By: In: California
http://www.corp.ca.gov/pdf/doc29.pdf
complaint form
or
call Countrywide cust serv and get the Office of the President phone number to file a complaint.
Left: December 15, 2005 By: disgruntled customer In: Redwood City
CHL has been assessing me an extra $400 a month for 6 months for homeowners insurance on my house. I have my own policy, and the payment is debited from my checking each month. Even though I provided a copy of the Declaration of Insurance page from my insurance agent and also a copy of my bank statement showing the auto pay, they will not return any of my calls,emails, or repeated faxes. I am now faxing them at least 10 times a day begging for someone to call me and resolve this. I am ignored. If I do not pay the extra money, they will not even accept the house payment! I refused the first 2 months to pay the extra $400 and just sent in my regular payment--CHL reported me to 4 credit agencies as being 2 months behind on my payments. Now I can't even get a refi because of the ding on my credit report! HELP!!!
Left: December 14, 2005 By: bill gatten In: Westhills, Ca
In 1994 my wife and I inherited a property in Hollywood, Ca. that had a value at the time of about $550,000 with a $25,000 Countrywide loan on it.
When the inheritance paperwork was completed the payments were $35,000 in arrears. We immediately sent in a cashier's check to Countrywide for the full amount required to bring the arrearages current (and we were well within the reinstatement time frame).
In about a week we got a letter from CW Legal stating that they had received and processed the check and were thankful for it. However, in that we had not asked for a reinstatement quote in advance (the letter went on to say), the property was still schedule for foreclosure the following week, and our $35,000 had simply been added to the principal reduction. If we wanted the house, we would need to come to the auctionwith a quarter million bucks...in cash...in a week.
We immediately sued, and two years later and tens of thousands of dollars later, we finally got a reinstatement of the loan under the same conditions (w/o any reward of legal fees, court costs, punitive damages, stress and duress...nothin').
Bill Gatten
West Hills, California
Left: December 14, 2005 By: XCHL In: ROSEMEAD
PLEASE HIT THE SUBMISSION BUTTON ONLY ONCE - Piker
Nah, no way would anybody ever quit Countrywide. To get a real life job satisfaction study you need to visit the break areas in the parking lot. No wonder they need those brainless goons at the doors of their corpo offices watching security cams looking for sex, smoking, drug activity
Left: December 13, 2005 By: In: California
You people need to stop complaining and READ YOUR NOTE WHEN YOU SIGN YOUR DOCUMENTS CAREFULLY and ..............PAY YOUR BILL WHEN IT IS DUE!AND for all you former employees who have nothing better to do (*** get a life***)probably got fired because you weren't doing your job or you were the ones selling the drugs in the facility.
Left: December 13, 2005 By: In: California
You people need to stop complaining and READ YOUR NOTE WHEN YOU SIGN YOUR DOCUMENTS CAREFULLY and ..............PAY YOUR BILL WHEN IT IS DUE!AND for all you former employees who have nothing better to do (*** get a life***)probably got fired because you weren't doing your job or you were the ones selling the drugs in the facility.
Left: December 12, 2005 By: In: California
if you KJNOW of anyone at COuntrywide that has screwed over people, name them here!
Left: December 12, 2005 By: Latesha In: Oakland
Quote:
“For ONE, in many cases, you have a language barrier with minorities. It's not (Insert COUNTRYWIDE’S Name) fault that some of their borrowers don't understand what's required to process a loan. Too bad. Learn the language.
you are just a number. Another loan. Higher loans approved mean higher bonuses. End of story. Processors want to get your loan finished and done with.”
Quote
“I've yet to meet ANYONE who purposely wanted to discriminate against minorities.”
What you white guys don’t understand is that discrimination doesn’t have to be intentional. It’s starts with a phone call and the person has an accent or a foreign sounding name. Maybe English is a second language and it is harder to communicate BUT these protected classes of borrowers need extra attention so they can just get a fair shake. Yes it’s going to be extra work and loan processors would rather shove these harder to do loans to the bottom of the pile and race through the easy ones to get their numbers up and get larger bonuses. (see above)
It’s not enough for Countrywide to make the employees listen to a 20 minute tape on fair lending and expect compliance with the fair housing act. Plus, just look at Countrywide’s upper management and you’d think it’s pre 1968. All white men in upper management. Do I need to name names like Mozilo, Kurland, Anderson, Hale etc. Telling borrowers its “too bad” if they can't get their loans done in a timely manner just doesn’t cut it. It’s starts at the top with upper management and the commitment to quality loan processing has to follow all the way down the chain of employees and that includes all the Landsafe employees too. Every person that has a part in the loan package has to have the right attitude to get these minority loans completed. I hope HUD monitors the numbers of loan applications, processing times and denials that Countrywide is doing. I don’t care about what other companies are doing. That’s no excuse either.
And while we are on the topic why is the minority employee turn over rate higher than the white employee turn over rate at Countrywide? Why does a Hispanic girl get fired, walked out the door for attendance problems without any written warning while a white girl in the office does worse and gets not even a written reprimand? They fire people at will and without warning and more often than not it’s the minority worker that gets the shaft before the white. But it’s not intentional now is it?!
Left: December 11, 2005 By: In: California
this is a bitch about cwide site, not a suck it up site.
why suck it up when you can sue the criminals of the world?
why suck it up when the errogance of Sr.Execs at cwide not only vilate laws of employees (I guess you did not know about the class settlment in Rosemead etc etc) it is where Cwide mislaclassfied employees, just look it up piker.
regarding borrowers, most don't understand the mortgage or what to do if they were violated, some don't even relaize they were violated...
i do agree i never heard or saw anyone discriminated against, money money is true, but overall if HUD were to audit every loan in SoCal that funded, they would find so many many RESPA and HUD violations it is sick..
it is happening as we speak, SEC, HUD, Dept ofCOrp all have been notifierd of the scum at Cwide. Right up to the CEO and PRes...
Left: December 11, 2005 By: CHL In: atlanta
fulton and south dekalb counties in atlanta, ga. have THE highest foreclosure rates in the country. these high foreclosure rates are not due to these areas being predominataly minority but more to due with fraud being committed by straw purchasers and CHL branches knowingly or unknowingly approving bad loans. CHL has stepped in ( it is their money) and has tightened up the processing/underwritting by crossing their t's and dotting their i's. CHL has to be able to sell these loans on the secondary market because it is their reputation they have to protect to fnma/fhlmc/hud. otherwise, CHL's portfolio will be downgraded, and it will be harder for them to sell loans on the secondary thus making it harder for branches to do loans. it is much better for CHL to take action now rather than later. this may be a reason why it is taking longer for some branches in certain high risk areas to recieve loan approvals. i do believe this trend is not limited to just CHL but all lenders.
Left: December 11, 2005 By: Mike In: Los Angeles, CA
I completely agree with the last comment, "SC in Los Angeles". I've been in the mortgage business for 30 years and I've yet to meet ANYONE who purposely wanted to discriminate against minorities. It just doesn't make any sense. People in the financial business want one thing - to make money. You turn people away, you don't make any money.
It takes an insider to know what is really going on. All the people who bitch and moan don't really know what's going on, they just THINK they do and they are STUPID. They believe what they want to believe, see what they want to see, etc.
My advice: get a life. Stop complaining. Even if you've been screwed, or think you have been, suck it up and move on. We've all been screwed. I've been screwed lots of times in my life, and I didn't deal with it by creating a web site and crying about it. I dealt with it and moved on and became a more successful person. Get a life, because life is too short.
Left: December 10, 2005 By: SC In: los angeles, CA
Hi there!
Guess what, I've been laid off by Countrywide, so what I'm going to say may come as a shock.
I am so sick and tired of hearing about how "this or that company discriminates against minorities".. what a crock. Let me tell you all something: To the people processing your loans, you are just a number. Another loan. Higher loans approved mean higher bonuses. End of story. Processors want to get your loan finished and done with. MANY OF THE PEOPLE PROCESSING YOUR LOANS ARE MINORITIES THEMSELVES!!!! For Christ's sake, does everyone believe that all companies simply have a big room full of fat white men in them with hoods on??? You all make it seem like there's someone handing out memos saying "SLOW DOWN THE MEXICAN LOANS" or "DECLINE THE BLACK LOANS". Give me a frickin BREAK!
I read something here about how loans in Santa Barbara are approved faster than in the inner city. Absolutely this is true. For ONE, in many cases, you have a language barrier with minorities. It's not (Insert Company Name)'s fault that some of their borrowers don't understand what's required to process a loan. Too bad. Learn the language. Secondly, what financial sense does it make to not give minorities a loan? They'll go to the competition. NEWS FLASH TO ALL OF YOU RACE-CARD PLAYERS: A COMPANY, EVEN IF COMPLETELY PREDJUDICED, WOULD RATHER HAVE YOUR BUSINESS THAN TO GIVE YOUR BUSINESS TO THEIR COMPETITOR.
Let's just face it: In *general*, minorites have a)less income, b)less understanding of English, c)live in lower valued homes. ALL of these factors, when combined can make processing a loan difficult, and (watch out - non PC comment comming!) will lead to fewer loans getting approved. So, stop your race card playing. It just doesn't work. There are logical reasons to why minorities are approved less often, why their homes are valued less, and why they make less than average money. If you were to compare apples to apples, you'd see this is true. Mr. Sanchez in Santa Barbara will get just as quickly processed as Mr. Smith. The same Mr. Sanchez & Mr. Smith will more than likely slow down for a loan done in Compton.
I'm not a racist. So I can confidently say that after working in the mortgage industry for several years, I've found that these "X company hates X race" arguments are complete loads of crap.
Maybe Countrywide does suck, but please, try to be a little bit logical before playing the race card. America has had enough of it.
Left: December 10, 2005 By: In: California
to the former wells employee: i've been in the mortgage banking for 15 years. i started at wells, formally norwest, and worked for them for 10 years. the company was awesome to work for for 8 of those 10 until they hired this genius named brian hale. he said in order to get the stock price up the company must reduce the cost of producing a "widget", mortgage application. he first zeroed in on the operations side by getting rid of "costly" knowledgeable processors/underwritters. they hired unqualified, low paying processors to replace the pro's, and plugged them into a centralized center called the "map" or in CHL's case the "roc". next, he started in on the too "highly paid" loan officers. with the company's glossy, self-serving, propaganda newspaper he tried to convince l.o.'s that they worked for the best mortgage company in the world. he then started reducing income to l.o.'s by playing pricing games, reducing hits back, having the branch/loan officer pay for most of their markting material so by the end of the day the l.o. was making less money. his masterplan was to convince the employees of wells that they should feel lucky to work for the number one mortgage company, all the while funneling money from the hardworking, dedicated employees over to the stoke holders. the owners, vp's etc. started to exercise their HUGE stock options. the employees started to feel unvalued, which created division between operations and sales. this carried over to the way the employees treated their business partners and customers. it was vicious! i left wells for CHL in 2001. for three years i was in heaven. then CHL announced they were hiring this "guru" that was going to change CHL for the better. this "master of mortgages" was going to revamp CHL and make them #1 again.(at who's cost?) CHL brought this guy in to change the way angelo did business since 1969 because his business model was sooo much better. well, as any long time employee ( 5+ years) will tell you the implemented business model increased their stress and reduced their income. he pulled the wool over peoples eyes by offering propaganda that CHL was back at the helm of being #1,giving little perks such as the circle of excellence awards for first sales and now operations. being experienced with this pig at wells, i threw up and left CHL for the better. brian hales contract will be up shortly, and hope CHL will not renew it so they can go back become the company they once were. the vision of mr. mozilio and joe anderson must come back if CHL wishes to keep qualified, experienced, valued employees. otherwise, CHL is turning into another wells. good luck, junior!!
Left: December 10, 2005 By: In: California
and when did you get that jackass tat put on your rump?
Left: December 09, 2005 By: In: California
That was a Jerry Springer Final Thought...Deep! Real Deep!
Left: December 09, 2005 By: In: california
I currently work for Wells and am moving over to countrywide. I keep reading on here that you say that countrywide is trying to force lower appraised values of homes. This I have a hard time believing since it is not in the companies best interest to do so. If the home doesn't appraise then you cannot do the higher loan amount. This would mean less money to service and thus less profit or income to all parties. As for discriminating against minorities there are agencies which monitor the percentage of loans given to minorities and countrywide is right in line with all other companies with their programs and percentages. With regards to those of you who have had problems with their customer service or sales through the internet or 800 #, this is unfortunatly going to be a problem with any company you go to. I am leaving Wells Fargo for the way that they treat their employees and have been heavily recruited by several large mortgage companies. I have choosen countrywide based on their reputation in our area, the diversity of their products and the employee comp plans. People don't ever understand that when you contact someone via 800# or internet you are getting someone who is nothing more than a minimum wage type of employee. There is no money to be made there, and if they were decent at their jobs they would work in a retail location or a broker on commision only. You need to feel comfortable with the person you are dealing with, if you don't, then you should either ask to work with someone else in the office or talk to another lender. We are not all bad, and most of us love our jobs and what we do. For that reason we are very sucessful and have most of our business coming from referals. Hope this helps people better understand that you will have these kinds of issues no matter where you go you just need to be selective of the person you use and like everyone else said read the paperwork and ask the questions.
Left: December 09, 2005 By: In: California
so is your ass bigger than brian hales now from eating all those fruit baskets?
how does angelo stay so tan all the time?
does megan have hemerhoids?
Left: December 08, 2005 By: In: California
I am a borrowr who found out i paid for my own fruit basket....greddy people is the problem, then they foreclosed my property without notice
they also charged me a $65 fee from those offices I am told was not right...
Gee Wiz, this is Countrywide Sucks Board Website, not I Love Countrywide Website.
As you can see by the board so filled up with complaints..I guess you are not understandinh the purpose, it is a bitch a moan board, not anything but.
Thanks for reading our bitching...Countrywide pays you for it? Nice.
Left: December 08, 2005 By: In: California
Gee wiz and I doo mean wiz
If you are Pissed off about somebody buying a fruit basket with the profits I cant even feel sorry for you dawg
Left: December 08, 2005 By: In: California
Her Dog is will be licking alot of sacks, hers to begin with....
Megan Fink, Area Sales Manager who actually funnels the money charged to customers as Processing or Underwriting fees to her own daughter's business that makes the gifts they send out in appreciation of them doing a loan.
Get it? She actually makes the customers pay for their own gift and Megan Fink's daughter makes on the $$$$$$ on making baskets they send out...WOW!!!
Talk about lcking....Megan has decided that laws and ethics don't apply.
More plastic surgery, more payroll fraud.
Think about this....THe SEC, HUD, Dept COrp, Labor Board .....have all been notified of the criminal actions of Fink and Bianchi, so we ALL know where you are coming from with your post........
You are the dog licking that fat sack of Megan Fink. Fat, Lazy, and ugly is the way of the Fink's!
What will they say about those feees charged, listed as something, yet went to a gift you will recieve....no disclosures about that...dumb ass criminals in most eyes, thinking they are above any Govt Actions.
Bianchi, Fink, VP of Legal Lori Shead, Lyol Brumby, they are all conspirators.
Left: December 08, 2005 By: In: California
Don't be jealous that Megan wont loan her dog to you to have your sweaty nut sack licked.
Left: December 07, 2005 By: In: California
Yep, the jock strap is being worn by Megan Fink, the fat pig in Southern Claifornia. She has Balls!
Left: December 07, 2005 By: In: California
Does anyone have any info on the new K-mart® Martha Stewart™ limited Jock Strap collection?
Left: December 06, 2005 By: Latesha In: Oakland
Countrywide regularly discriminates against minority borrowers especially African/American and Hispanic borrowers. How can that be so when they offer their lip service House America loans? Because if you compare the number of loan applications for minority vs white and then see the disparity in the numbers for minority loans denied or shunted off to high cost Full Spectrum Lending loans then you’ll see the pattern emerging. Compare loan processing times for both groups and you’ll see that Countrywide simply does not take as good care for their minority borrowers. The numbers speak for themselves. Inner city loans are just not processed with the same urgency as loans in Santa Barbara.
If you feel you have been discriminated against in applying for a loan or the processing of your Countrywide Home Loan then contact your local Inspector General’s Office for the Dept of Housing & Urban Development (HUD)
Left: December 05, 2005 By: Eddie In: Burbank
I was cheated, lied, and harassed by
Hovik Shahinian, branch manager prior Burbank office, currently in Glendale,CA. Please stay away from Hovik Shahinian and the employees that have been working with under his guideance so you dont go through what I did. Hovik Shahinian should be "fired" along with the cheating employees of his.
Left: December 05, 2005 By: In: California
I know of sexual harrasment by one of the people mentioned. I currently work for the Company in SoCal.
Left: December 05, 2005 By: In: California
Could we talk ?
countrywidecomplaints@yahoo.com
please contact me, all is confidential. thanks.
Left: December 05, 2005 By: anon In: Encinitas
John Bianchi has forged docs when needed. he did it with one transaction I was involved with a few years back.
Left: December 05, 2005 By: In: California
Please contact us with any information about the following scumbags at Countrywide...
John Bianchi
Megan Fink
Lyol Brumby
John Gillis
Ron Greenwald
etc
etc
If there is any information or dealings, please email us at...
countrywidecomplaints@yahoo.com
Left: December 04, 2005 By: In: California
WE ARE LOOKING FOR ANY BORROWERS OR EMPLOYEES (CURRENT OR NOT) THAT HAVE HAD BAD DEALINGS WITH THE SOUTHERN CALIFORNIA REGION.
IF YOU HAVE HAD BAD DEALINGS WITH JOHN BIANCHI, MEGAN FINK, AND ANY OTHER OF THE TOP MANAGEMENT WHO DESTROY PEOPLE AND THEIR FAMILES WITH THIER GREED AND CRIMINAL BEHAVIOR. ANYONE WITH SIMILIAR DEALINGS THAT INCLUDE BEING HARASSED, PRESSURED, RETALIATION, OR ANYTHING OF INTEREST, PLEASE CONTACT US.
A GROUP OF EX-EMPLOYEES AND BORROWERS ARE FIGHTING BACK WITH A MASS NUMBER OF COMPLAINTS BEING FILED IN SOUTHERN CALIFORNIA.
COUNTRYWIDECOMPLAINTS@YAHOO.COM
Left: December 03, 2005 By: In: California
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 03, 2005 By: CJ In: Pasadena
Wilson - That's part of Countrywide's strategic plan. You have to use their appraisers. They also make you use their title and escorw company if you dont put your foot down and ask for a different company. These affiliated business arrangements companies start with the name "landsafe". Landsafe appraisers are not independant because if they come in high too much they dont get any more appraisals to do.
One secret Countrywide doesn't want you to know is if you sign closing papers and then recind the loan during the 3 day recision period YOU CAN DEMAND YOUR DEPOSIT BACK! But only if you sign closing docs and then recind the loan. Simply canceling will not get your deposit back. Be sure to send a registered mail return rec't notice during the 3 day recision period to both the closer and lender.
Sorry you got screwed. Countrywide typically foot drags on getting payoff information to other lenders that are refinancing a current Countrywide loan. They then sick their telemarketers on you to try to give you a competitive bid to refinance you into another Countrywide loan. They also give the tap dance about how great a company they are and wouldn't it be great to stay with them. Other brokers can typically beat Countrywides offers left and right. Why does Countrywide charge more? Because they believe their own crap doesn't smell and thet people will believe in it so much they will buy into it too.
Wilson hope this help. Lets get the word out on this.
Left: December 03, 2005 By: Bored internet surfer In: The web
This is for the first lady who said she filed bankrupcy after she divorced her husband- getting married and divorced is part of being a grown up- if you cant handle things between your ex-husband dont sign a mortgage with him- And pretty much everyone on this site needs to learn how to spell..
Left: December 02, 2005 By: dwilson In: rosamond,ca
I must admit, I've had a change in opinion at CWF. I've been a customer with CW for the past 8 years. They were not my original lender. However, I decided to refinance and initially had gone ALL the way with another lender (except sign final papers) until I was contacted by CW. They told me they could offer me a better rate than the other lender and to inform this lender that I changed my mind for I'd been given a btter rate. Well, the other lender was p'od because I had gone through all the rigors and was at the final stage when I pulled out. Well, that was 45 days ago and my refinance loan with CW still hasn't closed. The appraiser sent admitted he wasn't the actual appraiser and was a stand-in who turned in a appraisal 30,000 than the appraiser I had received from the other lender. After checking the comps in the area (all within the range of what the appraisal of the other lender) CW was aware that the appraisal was incorrect and would not -- I repeat --WOULD NOT order a reappraisal. Instead they went with this "admittingly bogus" appraiser 120 miles out of the area. I called their corporate office this morning, to no avail. I perturbed because I had everything done and finalized with the other lender and I pulled out! My holiday has been thoroughly messed up thanks to them.
Left: December 01, 2005 By: $2B Region slowly going south In: California
There was a time when you could call a area/branch manager with another company and tell them you work for CHL and they would be chomping at the bit to find out what they need to do to get a foot in the door. Now when I call on these types of people, they tell me "You're with the wrong company, why don't you come on over to my good company."
What has happened to our good name!
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: 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 employees. 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: CHL Processor In: Westlake Village, CA
Hey dont rag on the 19 year old pot smokers. If the managers weren't such hypocritical assholes maybe we could get some work done and not be so stressed out. We have to toe the line on how much time we work plus overtime to get files done. The processing here is horrendous and not all customers are treated alike, meaning we take the easy files and decline anything challenging. That's some fair housing for you, NOT!
The VPs come in late, leave early, take long lunches, get all kinds of personal calls and basically hide out so if we need help, too bad.
Countywides drug policy is a joke and a violation of the Drug-Free Workplace Act of 1988 since they contract to do FHA and VA loans. Why isn't the gov't doing anything about this company?
Loan disclosure papers are supposed to go to the borrower within 72 hours of application. Just because they get printed doesnt mean they get sent.
If we sit on your loan and the interest rate lock expires because we are slow to process then too bad you get the higher rate if we got to re-lock it.
Left: November 24, 2005 By: decline t state In: wont say
I currently work for CHL and I would have to agree it sucks. In fact as soon as I can find another job I will be quitting as I was just informed I could be terminated for not trying to sale our bullshit products to the sorry saps wo already feel for the CW bullshit. Boy I can't wait to tell my TML where he can take this job
Left: November 12, 2005 By: In: California
It is an out of control company and think about the fact that this employee posts here on this board. hahahahah
joke is right
Left: November 12, 2005 By: In: California
what a joke
Left: November 12, 2005 By: n/a In: southern california
I strongly believe countrywide does what it can, being the size that it is to accomidate its customers in every way possible, for employyes pissed about missed bonuses, you cheap bastards your getting paid to do your job and i personally see people making thousands extra in bonuses so just because your not, dont be bitter. your getting paid extra to DO YOUR JOB! I was trained to be number one when it comes to appeasing and helping customers. realize when theres bad service everyone hears about it, when theres good service, very few people voice that. its how statistics work. CW is in the top 5 as far as cust service and they teach everyone to strive to do better. they treat thier employees alot better than most places and that in turn makes us care about what we do and care about who we service. grantid as with any job there are fucked up people. people within the company who just don't care, but theres many MANY who care a great deal. CW doesnt hire just anyone, and sometimes a few bad seeds get in. they are strict but professional..why is this bad? ive got plenty of dings on my record there because i messed up..but im not going to take that out on them. I strongly feel that lenders and branches are misleading home owners and I strongly urge every screwed over cust to file a complaint, even if its a CW branch. there are many pieces of the puzzle at CW and you cant blame the whole corp for the few bad seeds. i deal with many unhappy people all day, and i strongly empathise with them..read your documents people, why you are just going to belive anything you hear from a broker is fucking insane..only you are to blame if u get taken by someone making commision off your loan. these are private people really i belive just there to get ur money. after they sign thoe papers they have no other obligation..easy job huh? 99% of them dont even know how a mortgage works. no one gets anything for free, its a BUSINESS and the reason we grew soo darn large is because we dont forget that..but we also realize without customers we dont have that. its a great place to be and im proud of the history with this company and the strength and dedication I see evryday..ok, the numbers thing sucks big time, but again BUSINESS..btw..if you got ur loan throuh wamu or b of a or wells...guess what? ill bet you money, cw survices it, these companies are too lazy and innefficiant to take crae of thier own issues..
Left: November 11, 2005 By: In: Tempe, AZ
those who know a individual by the name of cecilia alvarez, please QUIT!!! you think you are doing a good job, take a good look at yourself! YOURE NOT! you dont deserve to be in Arizona go back where you came from. You treat people no good. you only show the good side whenever upper management is around!
Left: November 11, 2005 By: In: Calabasas, Ca
I WANT COUNTRYWIDE FINANCIAL TO GO OUT OF BUSINESS. ESPECIALLY THOSE WHO WORK IN SECONDARY MARKETING! THAT WHY THEY CALL YOU SECONDARY ITS ALL IN THE NAME!!!
Left: November 11, 2005 By: In: Rosemead, Ca
I sent a COURT ORDER in behalf of Countrywide Home Loans and I wish everyone here should join for those who got ripped off. They will be expecting something soon. The more COURT ORDERS we get the justice will take effect
Left: November 11, 2005 By: In: California
Does anyone have any info on the new K-mart® Martha Stewart™ limited Jock Strap collection?
Left: November 10, 2005 By: Connie Brown In: Fresno
Racketeering Influence Corrupt Organization, (RICO)is thriving and doing well in Sacramento, Ca.
Countrywide Home Loans dba's American Wholesale Lenders, Landsafe, Full Spectrum, Texas Bank (Riverway) and Alaska US are just some of the names that Countrywide Home Loan's is using.
Countrywide Home Loans has their own title company. (Landsafe Title)
CTC Real Estate Service is wholly owned by Countrywide Home Loans. They handle's all notice's pretaining to foreclosing for Countrywide.
Both Judge's in the Superior Court has received on more than one occasion Full Reconveyance of their property.
Bankruptcy Trustee has chapter 13 properties recorded under his name at the Sacramento County Recorder's Office.
The attorney firm that represented me has also received Full Reconveyance of their property.
Recently, a couple found themselves in trouble falling behind on their mortgage the attorney that was representing them in a unlawful detainer case somehow convince them to sign over approx. $80,000.00 to be given to individuals that they did owe. Upon investigating I found Countrywide Home Loans neck deep in the paperwork. (Buyer, investor and the attorney.
I am wanting an appeal in the Federal Courts to prove that Countrywide Home Loans is guilty.
Brownchrl@aol.com
I should have had my day in court.
Did you know homeowner's that when a clerk record's Notice of Default and there is an error the Daily Recorder Office Newspaper will send all paperwork back to the originator without publishing the notice but the clerk's in the County Recorder's Office will not reverse their entry due to the volume of work that is received everyday?
That mean's that if the originator never sends the corrected document back to the Daily Recorder's Newspaper it never gets publish and therefore the procedure outline under Civil Code 2924 regarding foreclosure is nulled and voided.
In my case Countrywide Home Loans did not follow those procedures and yes I have more than enough evidence and documents to prove it.
Left: November 08, 2005 By: In: California
The lenders are required to provide documentation and are regualted by the diclosures....the borrower does not have legal reasons to return paperwork as required by any regualtory agency.
The post previous shows that the Loan Officer who postred from Cwide is just like the Execs there.
They blame the borrowers for being criminal scum. Enron was big folks B$ they got crushed by errogance and crime. Cwide is right there...big time cover up of fraud etc...payroll fraud, sarbanes violations and alot of lending violations that I will personally be testifying about against borrowers.
In SoCal if you do business with or know of Bianchi or Fink, you know they are as fruity as they come and they are both f-ing criminals. That fat ass fink tried to get plastic surgery but she is still a fat ass plastic peics of shit...she is on tape with her stupidity, and now she is inviolved in fraud.
Megan Finka dn John Bianchi are scumbag criminals, like Wentz, Mozilo and the rest of the scum at Cwide...
If you must use Cwide, use a broker. If you go retail you are against a LAWYERS machine if things go wrong...no recourse unless you sue.
These scumbags are a ticking time bomb and the news of suits already filed are getting out.
Left: November 06, 2005 By: P-D@CW In: California
ok then, i did my end right and on time no late payments and an above average credit score, there is no record on my credit report i ever even made one payment they "cw" said they could not help me i was on my own. true story! also recorded deed wrong,cost meeee!!!! thousands of dollars & 8 mo. to fix, by the way whats so good about that you stupid jackass"s that stick up for these unprofessonal assholes, i will bad mouth them till they make right w/ me ,APROX. 12,000 DOLLARS F---N BASTARDS
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