|
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...
|
ADD YOUR STORY
Date: Mon 02/26/07 9:33AM
From: Testeryfj
Message: Helloaav - this is just a testing, don't worry about it
Date: Sun 02/18/07 12:39PM
From: Allen
Message: Hey "smarter than you"
Nice spelling and grammar you stupid phuck!
Date: Wed 02/14/07 6:24PM
From: qtile]
Message: <a href= http://asian.bestother.info/page49.html >asian women nude</a> [url=http://asian.bestother.info/page49. html]asian women nude[/url]
Date: Wed 02/14/07 12:27PM
From: wiqnd]
Message: <a href= http://plumbing.bestother.info/page186.h tml >plumbing supply</a> [url=http://plumbing.bestother.info/page 186.html]plumbing supply[/url]
Date: Tue 02/13/07 10:17AM
From: Smarter than you
Message: Let me guess made up story and or just an irresponsible person not willing to take blame for your own issues. Blame the company then create a site that offers loans. Sounds like you are desperate. I guess Countrywide is still the number one lender in the world and most respected lender despite your ignorance and irresponsibility I suppose you think it was Geroge Bush's Fault as well. Let me guess lefty liberal single mom high school education. You are very average
Date: Sun 02/11/07 9:34AM
From: ujvsu]
Message: <a href= http://car-insurance.bestother.info/page 162.html >arizona auto insurance quote</a> [url=http://car-insurance.bestother.info /page162.html]arizona auto insurance quote[/url]
Date: Sun 02/11/07 4:34AM
From: ijywv]
Message: <a href= http://automobile-insurance.bestother.in fo/page411.html >pa car insurance company</a> [url=http://automobile-insurance.bestoth er.info/page411.html]pa car insurance company[/url]
Date: Thu 02/8/07 9:59PM
From: apiyv]
Message: [url=][/url]
Date: Thu 02/8/07 5:44PM
From: jdyce]
Message: <a href= http://abracadabra-new-york.abracadabraw orld.info/abracadabra-steve-miller.html >abracadabra steve miller</a> [url=http://abracadabra-new-york.abracad abraworld.info/abracadabra-steve-miller. html]abracadabra steve miller[/url]
Date: Wed 02/7/07 10:59PM
From: stumo]
Message: [url=http://best-business-credit-card.go ldcreditbank.info/card-credit-credit-off er-poor.html]card credit credit offer poor[/url]
Date: Wed 02/7/07 10:58PM
From: hgauq]
Message: <a href= http://best-business-credit-card.goldcre ditbank.info/apr-card-credit-offer.html >apr card credit offer</a>
Date: Wed 02/7/07 4:57AM
From: cjhcg]
Message: <a href= http://steve-miller-band-abracadabra-mp3 .abracadabraworld.info/abracadabra-game. html >abracadabra game</a> [url=http://steve-miller-band-abracadabr a-mp3.abracadabraworld.info/abracadabra- game.html]abracadabra game[/url]
Date: Tue 02/6/07 3:28AM
From: kdaii]
Message: <a href= http://asian.bestother.info/page95.html >mature nude asian woman</a> [url=http://asian.bestother.info/page95. html]mature nude asian woman[/url] <a href= http://asian.bestother.info/page167.html >asian attract woman</a> [url=http://asian.bestother.info/page167 .html]asian attract woman[/url]
Date: Mon 02/5/07 9:42PM
From: cdyuz]
Message: <a href= http://plumbing.bestother.info/page29.ht ml >home plumbing</a> [url=http://plumbing.bestother.info/page 29.html]home plumbing[/url] <a href= http://plumbing.bestother.info/page5.htm l >roto rooter plumbing</a> [url=http://plumbing.bestother.info/page 5.html]roto rooter plumbing[/url]
Date: Sun 02/4/07 8:07AM
From: fssbr]
Message: <a href= http://ativan.bestother.info/page36.html >ativan anxiety</a> [url=http://ativan.bestother.info/page36 .html]ativan anxiety[/url] <a href= http://ativan.bestother.info/page42.html >ativan and pregnancy</a> [url=http://ativan.bestother.info/page42 .html]ativan and pregnancy[/url]
Date: Sat 02/3/07 11:57PM
From: yifui]
Message: <a href= http://auto-insurance.bestother.info/pag e351.html >car company in insurance</a> [url=http://auto-insurance.bestother.in fo/page351.html]car company in insurance[/url] <a href= http://auto-insurance.bestother.info/pag e361.html >pennsylvania car insurance quote</a> [url=http://auto-insurance.bestother.inf o/page361.html]pennsylvania car insurance quote[/url]
Date: Sat 02/3/07 2:09PM
From: wawvx]
Message: <a href= http://viagra.bestother.info/page53.html >allchemist generic viagra</a> [url=http://viagra.bestother.info/page53 .html]allchemist generic viagra[/url] <a href= http://viagra.bestother.info/page247.htm l >does viagra work</a> [url=http://viagra.bestother.info/page24 7.html]does viagra work[/url]
Date: Fri 02/2/07 1:32PM
From: HRB
Message: Countrywide is the next Enron, they even match their 401K with CW stock only, no other matching option. If you are an employee every time a matching contribution is made trade it for the fund you are invested in with your dollars. Don't make the same mistake Enron employees did and loose because Countrywide is on the fast track that Enron took. The game is almost over for them, trust me, that's why I left. If you are an employee help YOURSELF by ditching the CW stock portion of your 401K because it will be worthless when they go bankrupt. The smoke is already visible, Bank of America looked at them as an acquisition and said HELL NO once they took a good look at the failing business model.
Date: Fri 02/2/07 7:53AM
From: jpxis]
Message: <a href= http://automobile-insurance.bestother.in fo/page520.html >affordable car insurance online quote</a> [url=http://automobile-insurance.bestoth er.info/page520.html]affordable car insurance online quote[/url] <a href= http://automobile-insurance.bestother.in fo/page378.html >best nj auto insurance companies</a> [url=http://automobile-insurance.bestoth er.info/page378.html]best nj auto insurance companies[/url]
Date: Thu 02/1/07 10:30AM
From: $name
Message: Very nice site!
Date: Thu 02/1/07 10:29AM
From: $name
Message: Very nice site!
http://c.1asphost.com/topfarm7/25.html
Date: Mon 01/29/07 8:53PM
From: Dana
Message: I was previously employed at Countrywide and from the stories I have read 100% of the mistreatment and disrespect for their employees is correct. They had us working overime almost everyday and when time was needed off they would refuse and state that if you left it would be counted against you. YOU COULD HAVE NO LIFE OUTSIDE OF COUTRYWIDE. I believe Countrywide should be put out of business for the way not for just how they treat the employees but the customers. As when the victims were effected with the hurricanes when they lost not only there possections but their lives Countrywide showed no sympathy. What A disgrace! I am only not happy to no longer be with the company but I am relieved. When your advised not to go through Countywide for your mortgage take the advise I guarantee it will save not only your life but the stress and thought of maybe one day loosing you house due to the false information that is provided to you at the time of closing!!! I tell you this with knowing and having knowledge of internal information you MUST READ ALL FINE PRINT BEFORE YOU CLOSE YOU LOAN OTHERWISE COUTRYWIDE WILL TAKE YOU FOR YOUR HOME WHEN YOU CAN NOT MAKE YOUR PAYMENTS FOR THE FALSE INFORMATION THAT IS PROVIDED JUST TO GET YOU TO CLOSE THE LOAN SO MONEY GOES INTO THEIR POCKETS. You might think this is revenge or hate against Countrywide but infact it is for all the sympathy and sadness that I have had for the customers that would call and say they would not be able to afford their home for the lies that were told to them at the time of closing and for all the small print that was not discussed. May you have great luck if you do wish to go through Countrywide, but just think twice before signing you maybe signing your life away!!!!!
Date: Mon 01/29/07 12:11PM
From: Curt
Message: I'VE BEEN ON HOLD FOR 30 MINUTES! THIS IS NUTS! I WAS TRANSFERRED ONCE FROM SOMEONE IN INDIA, NOW I'M JUST IN LA LA LAND. PLEASE COUNTRYWIDE FIXED YOUR PHONE SYSTEM. IT REALLY DOES SUCK!
Date: Mon 01/29/07 1:25AM
From: mmnwo]
Message: <a href= http://dating-russian-woman.superrwm.inf o/glamour-model-nude-posing-russian.html >glamour model nude posing russian</a> [url=http://dating-russian-woman.superrw m.info/glamour-model-nude-posing-russian .html]glamour model nude posing russian[/url]
Date: Sun 01/28/07 7:01AM
From: tvjdk]
Message: <a href= http://credit-card-offer.goldcreditbank. info/instant-best-low-interest-rate-cred it-card-offer.html >instant best low interest rate credit card offer</a> [url=http://credit-card-offer.goldcredit bank.info/instant-best-low-interest-rate -credit-card-offer.html]instant best low interest rate credit card offer[/url]
Date: Tue 01/23/07 7:51PM
From: jwwfu]
Message: <a href= ></a> [url=][/url]
Date: Thu 01/18/07 5:51PM
From: William Thomas
Message: Countrywide Mortgage completely sucks! They botched my closing by not completing the paperwork for a VA loan since they make less on VA loans then other loan types. They under estimated my closing payment by over $7,000 dollars; I almost did not close and had to borrow the money from my realitor. I must admit I got a great rate, but the ha**le was not worth.
DO NOT USE COUNTRYWIDE.....NEVER
Date: Sat 01/13/07 11:08AM
From: G
Message: We refinanced with Countrywide last year after being in our home almost 10 years. Later we get foreclosure papers from our initial lender; Countrywide NEVER FUNDED to the previous lender! No one will return our calls; we never received any communication as to why this was not funded. I am now over $25,000 out of pocket and am having to sue Countrywide.
Strongly recommend not using this company; Countrywide has serious internal problems
Date: Fri 01/12/07 2:24AM
From: lyivs]
Message: <a href= http://russwomen.netfast.org/russian_web _cam_girl.html >russian_web_cam_girl</a> [url=http://russwomen.netfast.org/russia n_web_cam_girl.html]russian_web_cam_girl [/url] <a href= http://russwomen.netfast.org/dating_phot o_russian_woman.html >dating_photo_russian_woman</a> [url=http://russwomen.netfast.org/dating _photo_russian_woman.html]dating_photo_r ussian_woman[/url] <a href= http://russwomen.netfast.org/russian_12_ to_16_girl.html >russian_12_to_16_girl</a> [url=http://russwomen.netfast.org/russia n_12_to_16_girl.html]russian_12_to_16_gi rl[/url]
Date: Wed 01/10/07 4:44PM
From: hqmnr]
Message: <a href= http://russwoman.netfast.org/sexy_russia n_picture.html >sexy_russian_picture</a> [url=http://russwoman.netfast.org/sexy_r ussian_picture.html]sexy_russian_picture [/url] <a href= http://russwoman.netfast.org/dating_nude _russian_woman.html >dating_nude_russian_woman</a> [url=http://russwoman.netfast.org/dating _nude_russian_woman.html]dating_nude_rus sian_woman[/url] <a href= http://russwoman.netfast.org/russian_sex y_secretary.html >russian_sexy_secretary</a> [url=http://russwoman.netfast.org/russia n_sexy_secretary.html]russian_sexy_secre tary[/url]
Date: Wed 01/10/07 1:48PM
From: Marcus
Message: I happen to deal with a manager at Countrywide on an ongoing basis. Never have I been treated with such disrespect. Based on my experience with this person I expect that everyone at this organization is a grade A jerk. I would never do business with this organization and encourange anyone reading this to go elsewhere for your financials needs!
Date: Wed 01/10/07 10:01AM
From: Jeremy Stoner
Message: I stumbled upon this website by mistake, but am amazed. I can't believe that someone who feels Countrywide wasted so much of their time would then waste more time putting something like this together. It's too bad that this website only talks about the bad experiences people have with Countrywide. The good experiences people have, like myself, should be doc**ented as well. I don't know about your situation, but I am certain I have never had a problem... ever!
Date: Tue 01/9/07 6:28PM
From: vkjnm]
Message: <a href= http://womanruss.fateback.com/sexy_russi an_single.html >sexy_russian_single</a> [url=http://womanruss.fateback.com/sexy _russian_single.html]sexy_russian_single [/url] <a href= http://womanruss.fateback.com/blonde_mar riage_russian_woman.html >blonde_marriage_russian_woman</a> [url=http://womanruss.fateback.com/blond e_marriage_russian_woman.html]blonde_mar riage_russian_woman[/url] <a href= http://womanruss.fateback.com/single_rus sian_woman.html >single_russian_woman</a> [url=http://womanruss.fateback.com/singl e_russian_woman.html]single_russian_woma n[/url]
Date: Mon 01/8/07 5:10AM
From: mbula]
Message: <a href= http://womanruss.netfast.org/nude_russia n_actress.html >nude_russian_actress</a> [url=http://womanruss.netfast.org/nude_r ussian_actress.html]nude_russian_actress [/url] <a href= http://womanruss.netfast.org/russian_lit tle_girl_model.html >russian_little_girl_model</a> [url=http://womanruss.netfast.org/russia n_little_girl_model.html]russian_little_ girl_model[/url] <a href= http://womanruss.netfast.org/russian_wom an_guide.html >russian_woman_guide</a> [url=http://womanruss.netfast.org/russia n_woman_guide.html]russian_woman_guide[/ url]
Date: Sun 01/7/07 11:06AM
From: Lisa
Message: <a href=http://genericcialiss.blogspot.com> cialis</a>
<a href="http://genericcialiss.blogspot.com ">cialis</a>
<a href='http://genericcialiss.blogspot.com '>cialis</a>
[url=http://genericcialiss.blogspot.com] cialis[/url]
Date: Sat 01/6/07 2:53AM
From: MJMsdfj
Message: <a href='http://flsr.byu.edu/pictures/temp3 /'>credit debt counseling</a>, http://flsr.byu.edu/pictures/temp3/, [url=http://flsr.byu.edu/pictures/temp3/ ]credit debt counseling[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /tooth-whitening.html'>tooth whitening</a>, http://flsr.byu.edu/pictures/temp3/tooth -whitening.html, [url=http://flsr.byu.edu/pictures/temp3/ tooth-whitening.html]tooth whitening[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /tropicana-hotel.html'>tropicana hotel</a>, http://flsr.byu.edu/pictures/temp3/tropi cana-hotel.html, [url=http://flsr.byu.edu/pictures/temp3/ tropicana-hotel.html]tropicana hotel[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /football-gambling.html'>football gambling</a>, http://flsr.byu.edu/pictures/temp3/footb all-gambling.html, [url=http://flsr.byu.edu/pictures/temp3/ football-gambling.html]football gambling[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /culinary-college.html'>culinary college</a>, http://flsr.byu.edu/pictures/temp3/culin ary-college.html, [url=http://flsr.byu.edu/pictures/temp3/ culinary-college.html]culinary college[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /card-credit-debt-help-self-uk.html'>car d credit debt help self uk</a>, http://flsr.byu.edu/pictures/temp3/card- credit-debt-help-self-uk.html, [url=http://flsr.byu.edu/pictures/temp3/ card-credit-debt-help-self-uk.html]card credit debt help self uk[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /uk-home-loan-house-refinance-mortgage-r ates.html'>uk home loan house refinance mortgage rates</a>, http://flsr.byu.edu/pictures/temp3/uk-ho me-loan-house-refinance-mortgage-rates.h tml, [url=http://flsr.byu.edu/pictures/temp3/ uk-home-loan-house-refinance-mortgage-ra tes.html]uk home loan house refinance mortgage rates[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /mortgage-bridge-loan.html'>mortgage bridge loan</a>, http://flsr.byu.edu/pictures/temp3/mortg age-bridge-loan.html, [url=http://flsr.byu.edu/pictures/temp3/ mortgage-bridge-loan.html]mortgage bridge loan[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /distance-learning-mba.html'>distance learning mba</a>, http://flsr.byu.edu/pictures/temp3/dista nce-learning-mba.html, [url=http://flsr.byu.edu/pictures/temp3/ distance-learning-mba.html]distance learning mba[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /college-student-loan-consolidation.html '>college student loan consolidation</a>, http://flsr.byu.edu/pictures/temp3/colle ge-student-loan-consolidation.html, [url=http://flsr.byu.edu/pictures/temp3/ college-student-loan-consolidation.html] college student loan consolidation[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /debt-consolidation-leads.html'>debt consolidation leads</a>, http://flsr.byu.edu/pictures/temp3/debt- consolidation-leads.html, [url=http://flsr.byu.edu/pictures/temp3/ debt-consolidation-leads.html]debt consolidation leads[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /play-roulette.html'>play roulette</a>, http://flsr.byu.edu/pictures/temp3/play- roulette.html, [url=http://flsr.byu.edu/pictures/temp3/ play-roulette.html]play roulette[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /travelers-auto-insurance.html'>traveler s auto insurance</a>, http://flsr.byu.edu/pictures/temp3/trave lers-auto-insurance.html, [url=http://flsr.byu.edu/pictures/temp3/ travelers-auto-insurance.html]travelers auto insurance[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /culinary-education.html'>culinary education</a>, http://flsr.byu.edu/pictures/temp3/culin ary-education.html, [url=http://flsr.byu.edu/pictures/temp3/ culinary-education.html]culinary education[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /equifax-credit-report.html'>equifax credit report</a>, http://flsr.byu.edu/pictures/temp3/equif ax-credit-report.html, [url=http://flsr.byu.edu/pictures/temp3/ equifax-credit-report.html]equifax credit report[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /small-business-loan-bad-credit.html'>sm all business
Date: Fri 01/5/07 5:01PM
From: mocga]
Message: <a href= http://russwoman.netfast.org/russian_wom an_network.html >russian_woman_network</a> [url=http://russwoman.netfast.org/russia n_woman_network.html]russian_woman_netwo rk[/url] <a href= http://russwoman.netfast.org/nude_russia n_woman_escort.html >nude_russian_woman_escort</a> [url=http://russwoman.netfast.org/nude_r ussian_woman_escort.html]nude_russian_wo man_escort[/url] <a href= http://russwoman.netfast.org/sexy_photo_ of_russian_woman.html >sexy_photo_of_russian_woman</a> [url=http://russwoman.netfast.org/sexy_p hoto_of_russian_woman.html]sexy_photo_of _russian_woman[/url]
Date: Thu 01/4/07 9:17PM
From: MJMsdfj
Message: <a href='http://flsr.byu.edu/pictures/temp3 /'>credit debt counseling</a>, http://flsr.byu.edu/pictures/temp3/, [url=http://flsr.byu.edu/pictures/temp3/ ]credit debt counseling[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /tooth-whitening.html'>tooth whitening</a>, http://flsr.byu.edu/pictures/temp3/tooth -whitening.html, [url=http://flsr.byu.edu/pictures/temp3/ tooth-whitening.html]tooth whitening[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /tropicana-hotel.html'>tropicana hotel</a>, http://flsr.byu.edu/pictures/temp3/tropi cana-hotel.html, [url=http://flsr.byu.edu/pictures/temp3/ tropicana-hotel.html]tropicana hotel[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /football-gambling.html'>football gambling</a>, http://flsr.byu.edu/pictures/temp3/footb all-gambling.html, [url=http://flsr.byu.edu/pictures/temp3/ football-gambling.html]football gambling[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /culinary-college.html'>culinary college</a>, http://flsr.byu.edu/pictures/temp3/culin ary-college.html, [url=http://flsr.byu.edu/pictures/temp3/ culinary-college.html]culinary college[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /card-credit-debt-help-self-uk.html'>car d credit debt help self uk</a>, http://flsr.byu.edu/pictures/temp3/card- credit-debt-help-self-uk.html, [url=http://flsr.byu.edu/pictures/temp3/ card-credit-debt-help-self-uk.html]card credit debt help self uk[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /uk-home-loan-house-refinance-mortgage-r ates.html'>uk home loan house refinance mortgage rates</a>, http://flsr.byu.edu/pictures/temp3/uk-ho me-loan-house-refinance-mortgage-rates.h tml, [url=http://flsr.byu.edu/pictures/temp3/ uk-home-loan-house-refinance-mortgage-ra tes.html]uk home loan house refinance mortgage rates[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /mortgage-bridge-loan.html'>mortgage bridge loan</a>, http://flsr.byu.edu/pictures/temp3/mortg age-bridge-loan.html, [url=http://flsr.byu.edu/pictures/temp3/ mortgage-bridge-loan.html]mortgage bridge loan[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /distance-learning-mba.html'>distance learning mba</a>, http://flsr.byu.edu/pictures/temp3/dista nce-learning-mba.html, [url=http://flsr.byu.edu/pictures/temp3/ distance-learning-mba.html]distance learning mba[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /college-student-loan-consolidation.html '>college student loan consolidation</a>, http://flsr.byu.edu/pictures/temp3/colle ge-student-loan-consolidation.html, [url=http://flsr.byu.edu/pictures/temp3/ college-student-loan-consolidation.html] college student loan consolidation[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /debt-consolidation-leads.html'>debt consolidation leads</a>, http://flsr.byu.edu/pictures/temp3/debt- consolidation-leads.html, [url=http://flsr.byu.edu/pictures/temp3/ debt-consolidation-leads.html]debt consolidation leads[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /play-roulette.html'>play roulette</a>, http://flsr.byu.edu/pictures/temp3/play- roulette.html, [url=http://flsr.byu.edu/pictures/temp3/ play-roulette.html]play roulette[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /travelers-auto-insurance.html'>traveler s auto insurance</a>, http://flsr.byu.edu/pictures/temp3/trave lers-auto-insurance.html, [url=http://flsr.byu.edu/pictures/temp3/ travelers-auto-insurance.html]travelers auto insurance[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /culinary-education.html'>culinary education</a>, http://flsr.byu.edu/pictures/temp3/culin ary-education.html, [url=http://flsr.byu.edu/pictures/temp3/ culinary-education.html]culinary education[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /equifax-credit-report.html'>equifax credit report</a>, http://flsr.byu.edu/pictures/temp3/equif ax-credit-report.html, [url=http://flsr.byu.edu/pictures/temp3/ equifax-credit-report.html]equifax credit report[/url]|
<a href='http://flsr.byu.edu/pictures/temp3 /small-business-loan-bad-credit.html'>sm all business
Date: Sun 12/31/06 11:56AM
From: akaws]
Message: <a href= http://russianwoman.fateback.com/russian _teen_nude_picture.html >russian_teen_nude_picture</a> [url=http://russianwoman.fateback.com/ru ssian_teen_nude_picture.html]russian_tee n_nude_picture[/url] <a href= http://russianwoman.fateback.com/russian _school_girl.html >russian_school_girl</a> [url=http://russianwoman.fateback.com/ru ssian_school_girl.html]russian_school_gi rl[/url] <a href= http://russianwoman.fateback.com/1000_ru ssian_woman_escort.html >1000_russian_woman_escort</a> [url=http://russianwoman.fateback.com/10 00_russian_woman_escort.html]1000_russia n_woman_escort[/url]
Date: Thu 12/28/06 7:51AM
From: qeryc]
Message: <a href= http://russianwoman.fateback.com/free_nu de_russian_woman.html >free_nude_russian_woman</a> [url=http://russianwoman.fateback.com/fr ee_nude_russian_woman.html]free_nude_rus sian_woman[/url] <a href= http://russianwoman.fateback.com/good_ma ke_russian_wife_woman.html >good_make_russian_wife_woman</a> [url=http://russianwoman.fateback.com/go od_make_russian_wife_woman.html]good_mak e_russian_wife_woman[/url] <a href= http://russianwoman.fateback.com/horny_r ussian_woman.html >horny_russian_woman</a> [url=http://russianwoman.fateback.com/ho rny_russian_woman.html]horny_russian_wom an[/url]
Date: Sun 12/24/06 2:54PM
From: kbiev]
Message: <a href= http://womanruss.netfast.org/russian_fle xible_girl.html >russian_flexible_girl</a> [url=http://womanruss.netfast.org/russia n_flexible_girl.html]russian_flexible_gi rl[/url] <a href= http://womanruss.netfast.org/pretty_wife _russian.html >pretty_wife_russian</a> [url=http://womanruss.netfast.org/pretty _wife_russian.html]pretty_wife_russian[/ url] <a href= http://womanruss.netfast.org/wheel_chair _russian_woman_photo.html >wheel_chair_russian_woman_photo</a> [url=http://womanruss.netfast.org/wheel_ chair_russian_woman_photo.html]wheel_cha ir_russian_woman_photo[/url]
Date: Sun 12/24/06 12:09PM
From: wtuxs]
Message: <a href= http://womanruss.ifastnet.com/russian_12 _to_16_girl.html >russian_12_to_16_girl</a> [url=http://womanruss.ifastnet.com/russi an_12_to_16_girl.html]russian_12_to_16_g irl[/url] <a href= http://womanruss.ifastnet.com/nude_russi an_celeb.html >nude_russian_celeb</a> [url=http://womanruss.ifastnet.com/nude_ russian_celeb.html]nude_russian_celeb[/u rl] <a href= http://womanruss.ifastnet.com/russian_st ar_nude.html >russian_star_nude</a> [url=http://womanruss.ifastnet.com/russi an_star_nude.html]russian_star_nude[/url ]
Date: Sun 12/24/06 9:14AM
From: oqmcw]
Message: <a href= http://womanruss.fateback.com/free_nude_ russian_teen_pic.html >free_nude_russian_teen_pic</a> [url=http://womanruss.fateback.com/free_ nude_russian_teen_pic.html]free_nude_rus sian_teen_pic[/url] <a href= http://womanruss.fateback.com/russian_st ar_nude.html >russian_star_nude</a> [url=http://womanruss.fateback.com/russi an_star_nude.html]russian_star_nude[/url ] <a href= http://womanruss.fateback.com/pretty_wif e_russian.html >pretty_wife_russian</a> [url=http://womanruss.fateback.com/pret ty_wife_russian.html]pretty_wife_russian [/url]
Date: Sun 12/24/06 6:05AM
From: xwofi]
Message: <a href= http://womanruss.0moola.com/russian_woma n_f******.html >russian_woman_f******</a> [url=http://womanruss.0moola.com/russian _woman_f******.html]russian_woman_f***in g[/url] <a href= http://womanruss.0moola.com/russian_ange l_nude.html >russian_angel_nude</a> [url=http://womanruss.0moola.com/russian _angel_nude.html]russian_angel_nude[/url ] <a href= http://womanruss.0moola.com/sexy_russian _lady.html >sexy_russian_lady</a> [url=http://womanruss.0moola.com/sexy_ru ssian_lady.html]sexy_russian_lady[/url]
Date: Sat 12/23/06 1:17PM
From: cdvhc]
Message: <a href= http://russwomen.0moola.com/beautiful_ru ssian_woman.html >beautiful_russian_woman</a> [url=http://russwomen.0moola.com/beautif ul_russian_woman.html]beautiful_russian_ woman[/url] <a href= http://russwomen.0moola.com/free_russian _nude_picture.html >free_russian_nude_picture</a> [url=http://russwomen.0moola.com/free_ru ssian_nude_picture.html]free_russian_nud e_picture[/url] <a href= http://russwomen.0moola.com/underage_rus sian_girl_pic.html >underage_russian_girl_pic</a> [url=http://russwomen.0moola.com/underag e_russian_girl_pic.html]underage_russian _girl_pic[/url]
Date: Sat 12/23/06 9:29AM
From: tslzj]
Message: <a href= http://russwoman.netfast.org/chat_with_r ussian_girl.html >chat_with_russian_girl</a> [url=http://russwoman.netfast.org/chat_w ith_russian_girl.html]chat_with_russian_ girl[/url] <a href= http://russwoman.netfast.org/dating_free _russian_woman.html >dating_free_russian_woman</a> [url=http://russwoman.netfast.org/dating _free_russian_woman.html]dating_free_rus sian_woman[/url] <a href= http://russwoman.netfast.org/dating_free _girl_russian.html >dating_free_girl_russian</a> [url=http://russwoman.netfast.org/dating _free_girl_russian.html]dating_free_girl _russian[/url]
Date: Sat 12/23/06 6:12AM
From: ffiau]
Message: <a href= http://russianwoman.fateback.com/woman_r ussian_sex_photo.html >woman_russian_sex_photo</a> [url=http://russianwoman.fateback.com/wo man_russian_sex_photo.html]woman_russian _sex_photo[/url] <a href= http://russianwoman.fateback.com/sexy_ru ssian_woman_pic.html >sexy_russian_woman_pic</a> [url=http://russianwoman.fateback.com/se xy_russian_woman_pic.html]sexy_russian_w oman_pic[/url] <a href= http://russianwoman.fateback.com/free_ru ssian_girl.html >free_russian_girl</a> [url=http://russianwoman.fateback.com/fr ee_russian_girl.html]free_russian_girl[/ url]
Date: Sat 12/23/06 6:12AM
From: ffiau]
Message: <a href= http://russianwoman.fateback.com/woman_r ussian_sex_photo.html >woman_russian_sex_photo</a> [url=http://russianwoman.fateback.com/wo man_russian_sex_photo.html]woman_russian _sex_photo[/url] <a href= http://russianwoman.fateback.com/sexy_ru ssian_woman_pic.html >sexy_russian_woman_pic</a> [url=http://russianwoman.fateback.com/se xy_russian_woman_pic.html]sexy_russian_w oman_pic[/url] <a href= http://russianwoman.fateback.com/free_ru ssian_girl.html >free_russian_girl</a> [url=http://russianwoman.fateback.com/fr ee_russian_girl.html]free_russian_girl[/ url]
Date: Fri 12/22/06 5:39PM
From: aoqts]
Message: <a href= http://womanruss.fateback.com/russian_fl ex_girl.html >russian_flex_girl</a> [url=http://womanruss.fateback.com/russi an_flex_girl.html]russian_flex_girl[/url ] <a href= http://womanruss.fateback.com/nude_russi an_bath.html >nude_russian_bath</a> [url=http://womanruss.fateback.com/nude_ russian_bath.html]nude_russian_bath[/url ] <a href= http://womanruss.fateback.com/russian_di rty_girl.html >russian_dirty_girl</a> [url=http://womanruss.fateback.com/russi an_dirty_girl.html]russian_dirty_girl[/u rl]
Date: Fri 12/22/06 10:20AM
From: xwqeg]
Message: <a href= http://russwonen.atspace.com/aaa_russian _girl.html >aaa_russian_girl</a> [url=http://russwonen.atspace.com/aaa_ru ssian_girl.html]aaa_russian_girl[/url] <a href= http://russwonen.atspace.com/free_hot_ph oto_russian_woman.html >free_hot_photo_russian_woman</a> [url=http://russwonen.atspace.com/free_h ot_photo_russian_woman.html]free_hot_pho to_russian_woman[/url] <a href= http://russwonen.atspace.com/sexy_russia n_teen.html >sexy_russian_teen</a> [url=http://russwonen.atspace.com/sexy_r ussian_teen.html]sexy_russian_teen[/url]
Date: Fri 12/22/06 7:07AM
From: zisja]
Message: <a href= http://russwomen.php1h.com/lonely_russia n_woman.html >lonely_russian_woman</a> [url=http://russwomen.php1h.com/lonely_r ussian_woman.html]lonely_russian_woman[/ url] <a href= http://russwomen.php1h.com/sexy_naked_ru ssian_woman.html >sexy_naked_russian_woman</a> [url=http://russwomen.php1h.com/sexy_nak ed_russian_woman.html]sexy_naked_russian _woman[/url] <a href= http://russwomen.php1h.com/russian_woman _escort.html >russian_woman_escort</a> [url=http://russwomen.php1h.com/russian_ woman_escort.html]russian_woman_escort[/ url]
Date: Fri 12/22/06 3:16AM
From: fjzaf]
Message: <a href= http://russwomen.ourprofile.us/free_russ ian_woman.html >free_russian_woman</a> [url=http://russwomen.ourprofile.us/free _russian_woman.html]free_russian_woman[/ url] <a href= http://russwomen.ourprofile.us/russian_w oman_sex.html >russian_woman_sex</a> [url=http://russwomen.ourprofile.us/russ ian_woman_sex.html]russian_woman_sex[/ur l] <a href= http://russwomen.ourprofile.us/free_nude _pic_of_russian_single.html >free_nude_pic_of_russian_single</a> [url=http://russwomen.ourprofile.us/free _nude_pic_of_russian_single.html]free_nu de_pic_of_russian_single[/url]
Date: Fri 12/22/06 3:16AM
From: fjzaf]
Message: <a href= http://russwomen.ourprofile.us/free_russ ian_woman.html >free_russian_woman</a> [url=http://russwomen.ourprofile.us/free _russian_woman.html]free_russian_woman[/ url] <a href= http://russwomen.ourprofile.us/russian_w oman_sex.html >russian_woman_sex</a> [url=http://russwomen.ourprofile.us/russ ian_woman_sex.html]russian_woman_sex[/ur l] <a href= http://russwomen.ourprofile.us/free_nude _pic_of_russian_single.html >free_nude_pic_of_russian_single</a> [url=http://russwomen.ourprofile.us/free _nude_pic_of_russian_single.html]free_nu de_pic_of_russian_single[/url]
Date: Thu 12/21/06 11:55PM
From: wwsbf]
Message: <a href= http://russwomen.netfast.org/russian_tee n_nude.html >russian_teen_nude</a> [url=http://russwomen.netfast.org/russia n_teen_nude.html]russian_teen_nude[/url] <a href= http://russwomen.netfast.org/husband_rus sian_sex_wife.html >husband_russian_sex_wife</a> [url=http://russwomen.netfast.org/husban d_russian_sex_wife.html]husband_russian_ sex_wife[/url] <a href= http://russwomen.netfast.org/russian_wom an_dating_site.html >russian_woman_dating_site</a> [url=http://russwomen.netfast.org/russia n_woman_dating_site.html]russian_woman_d ating_site[/url]
Date: Thu 12/21/06 11:55PM
From: wwsbf]
Message: <a href= http://russwomen.netfast.org/russian_tee n_nude.html >russian_teen_nude</a> [url=http://russwomen.netfast.org/russia n_teen_nude.html]russian_teen_nude[/url] <a href= http://russwomen.netfast.org/husband_rus sian_sex_wife.html >husband_russian_sex_wife</a> [url=http://russwomen.netfast.org/husban d_russian_sex_wife.html]husband_russian_ sex_wife[/url] <a href= http://russwomen.netfast.org/russian_wom an_dating_site.html >russian_woman_dating_site</a> [url=http://russwomen.netfast.org/russia n_woman_dating_site.html]russian_woman_d ating_site[/url]
Date: Wed 12/20/06 6:33PM
From: missy
Message: Countrywide is extremely consistent at one thing~THEY DON'T EVER DELIVER THEIR PROMISES!DO yourself a favor and get a loan from a thug ~ they might break your legs if you don't pay on time, but at least you will get your money within a 3 month period! This process has been a nightmare that I would never wish on my worst enemy!
Date: Wed 12/20/06 11:43AM
From: PDB
Message: Thank you for this page in regards to others dealing with Countrywide. Looking or trying to investigate complaints thru BBB has been unfruitful but this page has been very informative and I thank you for this. I had completed one of their inquiry surveys to get a loan started and the representative did call but I was too busy at the time, but after viewing this page I will not call or have any further contact with Countrywide.
Thank you and I feel good about not calling them.
Date: Tue 12/19/06 6:28AM
From: ngryj]
Message: <a href= http://connecticut-estate.0catch.com/har tford-connecticut-real-estate.html
>hartford connecticut real estate</a> [url=http://connecticut-estate.0catch.co m/hartford-connecticut-real-estate.html
]hartford connecticut real estate[/url] <a href= http://connecticut-estate.0catch.com/app raisal-and-real-estate-school-of-connect icut.html
>appraisal and real estate school of connecticut</a> [url=http://connecticut-estate.0catch.co m/appraisal-and-real-estate-school-of-co nnecticut.html
]appraisal and real estate school of connecticut[/url] <a href= http://connecticut-estate.0catch.com/con necticut-commercial-real-estate.html
>connecticut commercial real estate</a> [url=http://connecticut-estate.0catch.c om/connecticut-commercial-real-estate.ht ml
]connecticut commercial real estate[/url]
Date: Tue 12/19/06 2:15AM
From: xmyin]
Message: <a href= http://colorado-estate.0catch.com/colora do-real-estate-property-listing.html
>colorado real estate property listing</a> [url=http://colorado-estate.0catch.com/c olorado-real-estate-property-listing.htm l
]colorado real estate property listing[/url] <a href= http://colorado-estate.0catch.com/colora do-springs-real-estate-agent.html
>colorado springs real estate agent</a> [url=http://colorado-estate.0catch.com/ colorado-springs-real-estate-agent.html
]colorado springs real estate agent[/url] <a href= http://colorado-estate.0catch.com/glenwo od-springs-colorado-real-estate.html
>glenwood springs colorado real estate</a> [url=http://colorado-estate.0catch.com/g lenwood-springs-colorado-real-estate.htm l
]glenwood springs colorado real estate[/url]
Date: Tue 12/19/06 2:14AM
From: xmyin]
Message: <a href= http://colorado-estate.0catch.com/colora do-real-estate-property-listing.html
>colorado real estate property listing</a> [url=http://colorado-estate.0catch.com/c olorado-real-estate-property-listing.htm l
]colorado real estate property listing[/url] <a href= http://colorado-estate.0catch.com/colora do-springs-real-estate-agent.html
>colorado springs real estate agent</a> [url=http://colorado-estate.0catch.com/ colorado-springs-real-estate-agent.html
]colorado springs real estate agent[/url] <a href= http://colorado-estate.0catch.com/glenwo od-springs-colorado-real-estate.html
>glenwood springs colorado real estate</a> [url=http://colorado-estate.0catch.com/g lenwood-springs-colorado-real-estate.htm l
]glenwood springs colorado real estate[/url]
Date: Mon 12/18/06 4:23AM
From: dusyu]
Message: <a href= http://alabama-estate.0catch.com/alabama -real-estate-license.html >alabama real estate license</a> [url=http://alabama-estate.0catch.com/al abama-real-estate-license.html]alabama real estate license[/url] <a href= http://alabama-estate.0catch.com/north-a labama-real-estate.html >north alabama real estate</a> [url=http://alabama-estate.0catch.com/no rth-alabama-real-estate.html]north alabama real estate[/url] <a href= http://alabama-estate.0catch.com/scottsb oro-alabama-real-estate.html >scottsboro alabama real estate</a> [url=http://alabama-estate.0catch.com/sc ottsboro-alabama-real-estate.html]scotts boro alabama real estate[/url]
Date: Mon 12/18/06 4:22AM
From: dusyu]
Message: <a href= http://alabama-estate.0catch.com/alabama -real-estate-license.html >alabama real estate license</a> [url=http://alabama-estate.0catch.com/al abama-real-estate-license.html]alabama real estate license[/url] <a href= http://alabama-estate.0catch.com/north-a labama-real-estate.html >north alabama real estate</a> [url=http://alabama-estate.0catch.com/no rth-alabama-real-estate.html]north alabama real estate[/url] <a href= http://alabama-estate.0catch.com/scottsb oro-alabama-real-estate.html >scottsboro alabama real estate</a> [url=http://alabama-estate.0catch.com/sc ottsboro-alabama-real-estate.html]scotts boro alabama real estate[/url]
Date: Sun 12/17/06 6:08PM
From: sfnir]
Message: <a href= http://alaska-estate.0catch.com/alaska-r eal-estate-appraisal.html >alaska real estate appraisal</a> [url=http://alaska-estate.0catch.com/ala ska-real-estate-appraisal.html]alaska real estate appraisal[/url] <a href= http://alaska-estate.0catch.com/alaska-r eal-estate-law.html >alaska real estate law</a> [url=http://alaska-estate.0catch.com/ala ska-real-estate-law.html]alaska real estate law[/url] <a href= http://alaska-estate.0catch.com/wrangell -alaska-real-estate.html >wrangell alaska real estate</a> [url=http://alaska-estate.0catch.com/wra ngell-alaska-real-estate.html]wrangell alaska real estate[/url]
Date: Sat 12/16/06 9:21AM
From: lgjdo]
Message: <a href= http://alabama-estate.0catch.com/alabama -real-estate-course.html >alabama real estate course</a> [url=http://alabama-estate.0catch.com/al abama-real-estate-course.html]alabama real estate course[/url] <a href= http://alabama-estate.0catch.com/commerc ial-real-estate-mobile-alabama.html >commercial real estate mobile alabama</a> [url=http://alabama-estate.0catch.com/co mmercial-real-estate-mobile-alabama.html ]commercial real estate mobile alabama[/url] <a href= http://alabama-estate.0catch.com/alabama -real-estate-cla**.html >alabama real estate cla**</a> [url=http://alabama-estate.0catch.com/al abama-real-estate-cla**.html]alabama real estate cla**[/url]
Date: Sat 12/16/06 12:44AM
From: gccqb]
Message: <a href= http://alabama-estate.0catch.com/real-es tate-calhoun-county-alabama.html >real estate calhoun county alabama</a> [url=http://alabama-estate.0catch.com/re al-estate-calhoun-county-alabama.html]re al estate calhoun county alabama[/url] <a href= http://alabama-estate.0catch.com/annisto n-alabama-real-estate.html >anniston alabama real estate</a> [url=http://alabama-estate.0catch.com/an niston-alabama-real-estate.html]anniston alabama real estate[/url] <a href= http://alabama-estate.0catch.com/alabama -real-estate-foreclosure.html >alabama real estate foreclosure</a> [url=http://alabama-estate.0catch.com/al abama-real-estate-foreclosure.html]alaba ma real estate foreclosure[/url]
Date: Fri 12/15/06 7:42PM
From: hlrxn]
Message: <a href= http://arkansas.0catch.com/mountain-home -arkansas-real-estate.html >mountain home arkansas real estate</a> [url=http://arkansas.0catch.com/mountain -home-arkansas-real-estate.html]mountain home arkansas real estate[/url] <a href= http://arkansas.0catch.com/magnolia-arka nsas-real-estate.html >magnolia arkansas real estate</a> [url=http://arkansas.0catch.com/magnolia -arkansas-real-estate.html]magnolia arkansas real estate[/url] <a href= http://arkansas.0catch.com/conway-arkans as-real-estate.html >conway arkansas real estate</a> [url=http://arkansas.0catch.com/conway-a rkansas-real-estate.html]conway arkansas real estate[/url]
Date: Fri 12/15/06 5:09PM
From: jgdnb]
Message: <a href= http://arizona-estate.0catch.com/arizona -estate-listing-real.html >arizona estate listing real</a> [url=http://arizona-estate.0catch.com/ar izona-estate-listing-real.html]arizona estate listing real[/url] <a href= http://arizona-estate.0catch.com/arizona -attorney-estate-real.html >arizona attorney estate real</a> [url=http://arizona-estate.0catch.com/ar izona-attorney-estate-real.html]arizona attorney estate real[/url] <a href= http://arizona-estate.0catch.com/arizona -escrows-estate-real.html >arizona escrows estate real</a> [url=http://arizona-estate.0catch.com/ar izona-escrows-estate-real.html]arizona escrows estate real[/url]
Date: Fri 12/15/06 1:35PM
From: ubyzi]
Message: <a href= http://alaska-estate.0catch.com/real-est ate-soldotna-alaska.html >real estate soldotna alaska</a> [url=http://alaska-estate.0catch.com/rea l-estate-soldotna-alaska.html]real estate soldotna alaska[/url] <a href= http://alaska-estate.0catch.com/nome-ala ska-real-estate.html >nome alaska real estate</a> [url=http://alaska-estate.0catch.com/nom e-alaska-real-estate.html]nome alaska real estate[/url] <a href= http://alaska-estate.0catch.com/alaska-r eal-estate-appraisal.html >alaska real estate appraisal</a> [url=http://alaska-estate.0catch.com/ala ska-real-estate-appraisal.html]alaska real estate appraisal[/url]
Date: Fri 12/15/06 9:28AM
From: szihb]
Message: <a href= http://alabama-estate.0catch.com/alabama -real-estate-school.html >alabama real estate school</a> [url=http://alabama-estate.0catch.com/al abama-real-estate-school.html]alabama real estate school[/url] <a href= http://alabama-estate.0catch.com/alabama -real-estate-agent.html >alabama real estate agent</a> [url=http://alabama-estate.0catch.com/al abama-real-estate-agent.html]alabama real estate agent[/url] <a href= http://alabama-estate.0catch.com/mobile- alabama-real-estate-for-sale.html >mobile alabama real estate for sale</a> [url=http://alabama-estate.0catch.com/mo bile-alabama-real-estate-for-sale.html]m obile alabama real estate for sale[/url]
Date: Thu 12/14/06 9:38PM
From: ygcqq]
Message: <a href= http://california-estate.0catch.com/comm ercial-real-estate-southern-california.h tml >commercial real estate southern california</a> [url=http://california-estate.0catch.com /commercial-real-estate-southern-califor nia.html]commercial real estate southern california[/url] <a href= http://california-estate.0catch.com/cali fornia-real-estate-license.html >california real estate license</a> [url=http://california-estate.0catch.com /california-real-estate-license.html]cal ifornia real estate license[/url] <a href= http://california-estate.0catch.com/cali fornia-real-estate-appraisal.html >california real estate appraisal</a> [url=http://california-estate.0catch.com /california-real-estate-appraisal.html]c alifornia real estate appraisal[/url]
Date: Thu 12/14/06 9:38PM
From: ygcqq]
Message: <a href= http://california-estate.0catch.com/comm ercial-real-estate-southern-california.h tml >commercial real estate southern california</a> [url=http://california-estate.0catch.com /commercial-real-estate-southern-califor nia.html]commercial real estate southern california[/url] <a href= http://california-estate.0catch.com/cali fornia-real-estate-license.html >california real estate license</a> [url=http://california-estate.0catch.com /california-real-estate-license.html]cal ifornia real estate license[/url] <a href= http://california-estate.0catch.com/cali fornia-real-estate-appraisal.html >california real estate appraisal</a> [url=http://california-estate.0catch.com /california-real-estate-appraisal.html]c alifornia real estate appraisal[/url]
Date: Thu 12/14/06 6:19PM
From: bjfgs]
Message: <a href= http://arkansas.0catch.com/maumelle-arka nsas-real-estate.html >maumelle arkansas real estate</a> [url=http://arkansas.0catch.com/maumelle -arkansas-real-estate.html]maumelle arkansas real estate[/url] <a href= http://arkansas.0catch.com/arkansas-comm ercial-real-estate.html >arkansas commercial real estate</a> [url=http://arkansas.0catch.com/arkansas -commercial-real-estate.html]arkansas commercial real estate[/url] <a href= http://arkansas.0catch.com/real-estate-t exarkana-arkansas.html >real estate texarkana arkansas</a> [url=http://arkansas.0catch.com/real-est ate-texarkana-arkansas.html]real estate texarkana arkansas[/url]
Date: Thu 12/14/06 2:54PM
From: rkxix]
Message: <a href= http://arizona-estate.0catch.com/arizona -estate-investment-real.html >arizona estate investment real</a> [url=http://arizona-estate.0catch.com/ar izona-estate-investment-real.html]arizon a estate investment real[/url] <a href= http://arizona-estate.0catch.com/arizona -design-estate-real-site-web.html >arizona design estate real site web</a> [url=http://arizona-estate.0catch.com/ar izona-design-estate-real-site-web.html]a rizona design estate real site web[/url] <a href= http://arizona-estate.0catch.com/arizona -chandler-estate-listing-real.html >arizona chandler estate listing real</a> [url=http://arizona-estate.0catch.com/ar izona-chandler-estate-listing-real.html] arizona chandler estate listing real[/url]
Date: Thu 12/14/06 2:54PM
From: rkxix]
Message: <a href= http://arizona-estate.0catch.com/arizona -estate-investment-real.html >arizona estate investment real</a> [url=http://arizona-estate.0catch.com/ar izona-estate-investment-real.html]arizon a estate investment real[/url] <a href= http://arizona-estate.0catch.com/arizona -design-estate-real-site-web.html >arizona design estate real site web</a> [url=http://arizona-estate.0catch.com/ar izona-design-estate-real-site-web.html]a rizona design estate real site web[/url] <a href= http://arizona-estate.0catch.com/arizona -chandler-estate-listing-real.html >arizona chandler estate listing real</a> [url=http://arizona-estate.0catch.com/ar izona-chandler-estate-listing-real.html] arizona chandler estate listing real[/url]
Date: Thu 12/14/06 2:54PM
From: rkxix]
Message: <a href= http://arizona-estate.0catch.com/arizona -estate-investment-real.html >arizona estate investment real</a> [url=http://arizona-estate.0catch.com/ar izona-estate-investment-real.html]arizon a estate investment real[/url] <a href= http://arizona-estate.0catch.com/arizona -design-estate-real-site-web.html >arizona design estate real site web</a> [url=http://arizona-estate.0catch.com/ar izona-design-estate-real-site-web.html]a rizona design estate real site web[/url] <a href= http://arizona-estate.0catch.com/arizona -chandler-estate-listing-real.html >arizona chandler estate listing real</a> [url=http://arizona-estate.0catch.com/ar izona-chandler-estate-listing-real.html] arizona chandler estate listing real[/url]
Date: Thu 12/14/06 10:48AM
From: bjxjx]
Message: <a href= http://alaska-estate.0catch.com/tok-alas ka-real-estate.html >tok alaska real estate</a> [url=http://alaska-estate.0catch.com/tok -alaska-real-estate.html]tok alaska real estate[/url] <a href= http://alaska-estate.0catch.com/real-est ate-agent-fairbanks-alaska.html >real estate agent fairbanks alaska</a> [url=http://alaska-estate.0catch.com/rea l-estate-agent-fairbanks-alaska.html]rea l estate agent fairbanks alaska[/url] <a href= http://alaska-estate.0catch.com/southeas t-alaska-real-estate.html >southeast alaska real estate</a> [url=http://alaska-estate.0catch.com/sou theast-alaska-real-estate.html]southeast alaska real estate[/url]
Date: Thu 12/14/06 6:46AM
From: jtwym]
Message: <a href= http://alabama-estate.0catch.com/alabama -real-estate-for-sale.html >alabama real estate for sale</a> [url=http://alabama-estate.0catch.com/al abama-real-estate-for-sale.html]alabama real estate for sale[/url] <a href= http://alabama-estate.0catch.com/orange- beach-alabama-real-estate.html >orange beach alabama real estate</a> [url=http://alabama-estate.0catch.com/or ange-beach-alabama-real-estate.html]oran ge beach alabama real estate[/url] <a href= http://alabama-estate.0catch.com/birming ham-alabama-home-and-real-estate.html >birmingham alabama home and real estate</a> [url=http://alabama-estate.0catch.com/bi rmingham-alabama-home-and-real-estate.ht ml]birmingham alabama home and real estate[/url]
Date: Thu 12/14/06 6:46AM
From: jtwym]
Message: <a href= http://alabama-estate.0catch.com/alabama -real-estate-for-sale.html >alabama real estate for sale</a> [url=http://alabama-estate.0catch.com/al abama-real-estate-for-sale.html]alabama real estate for sale[/url] <a href= http://alabama-estate.0catch.com/orange- beach-alabama-real-estate.html >orange beach alabama real estate</a> [url=http://alabama-estate.0catch.com/or ange-beach-alabama-real-estate.html]oran ge beach alabama real estate[/url] <a href= http://alabama-estate.0catch.com/birming ham-alabama-home-and-real-estate.html >birmingham alabama home and real estate</a> [url=http://alabama-estate.0catch.com/bi rmingham-alabama-home-and-real-estate.ht ml]birmingham alabama home and real estate[/url]
Date: Wed 12/13/06 5:40PM
From: tlofw]
Message: <a href= http://abramagic.0catch.com/marriage-min ded-russian-woman.html >marriage minded russian woman</a> [url=http://abramagic.0catch.com/marriag e-minded-russian-woman.html]marriage minded russian woman[/url] <a href= http://abramagic.0catch.com/sexy-photo-o f-russian-woman.html >sexy photo of russian woman</a> [url=http://abramagic.0catch.com/sexy-ph oto-of-russian-woman.html]sexy photo of russian woman[/url] <a href= http://abramagic.0catch.com/bad-russian- woman.html >bad russian woman</a> [url=http://abramagic.0catch.com/bad-rus sian-woman.html]bad russian woman[/url]
Date: Wed 12/13/06 10:26AM
From: lgxxg]
Message:
<a href= http://abramagic.ourprofile.us/russian-f lex-girl.html >russian flex girl</a> [url=http://abramagic.ourprofile.us/russ ian-flex-girl.html]russian flex girl[/url] <a href= http://abramagic.ourprofile.us/nude-russ ian-virgins.html >nude russian virgins</a> [url=http://abramagic.ourprofile.us/nude -russian-virgins.html]nude russian virgins[/url] <a href= http://abramagic.ourprofile.us/russian-w oman-seeking-man.html >russian woman seeking man</a> [url=http://abramagic.ourprofile.us/russ ian-woman-seeking-man.html]russian woman seeking man[/url]
Date: Fri 12/8/06 4:39PM
From: Ted Florence
Message: I was laid off in October along with 3000 others. I was upset, I would have come on here and said really bad things in my anger. I took another job with another lender but was recently asked to come back to CW and jumped at the chance. I know things go bad sometimes but with a comapny this big there are going to be things they dont do right. There are bad people working in good companies. I am happy to say I am again an employee of CHL.
Date: Mon 12/4/06 1:00PM
From: An Angry Former Employee
Message: I was with Countrywide for only two months and recently my manager first asked me to resign and then terminated me. During my first month, I didn't even have data access. Countrywide is the worst company I have ever experienced!
Thanks for creating the website!
Date: Sat 12/2/06 12:20PM
From: yyjla]
Message: <a href= http://credit-cards.0catch.com/apply-onl ine-unsecured-low-interest-rate-credit-c ard-offer.html >apply online unsecured low interest rate credit card offer</a><br>[url=http://credit-cards.0c atch.com/apply-online-unsecured-low-inte rest-rate-credit-card-offer.html]apply online unsecured low interest rate credit card offer[/url]<br><a href= http://credit-cards.0catch.com/online-be st-offer-accept-credit-card-merchant-acc ount.html >online best offer accept credit card merchant account</a><br>[url=http://credit-cards. 0catch.com/online-best-offer-accept-cred it-card-merchant-account.html]online best offer accept credit card merchant account[/url]<br><a href= http://credit-cards.0catch.com/credit-ca rd-offer-online.html >credit card offer online</a><br>[url=http://credit-cards.0 catch.com/credit-card-offer-online.html] credit card offer online[/url]<br>
Date: Sat 12/2/06 12:20PM
From: kdcsk]
Message: <a href= http://credit-cards.0catch.com/apply-onl ine-fleet-low-interest-credit-card-offer .html >apply online fleet low interest credit card offer</a><br>[url=http://credit-cards.0c atch.com/apply-online-fleet-low-interest -credit-card-offer.html]apply online fleet low interest credit card offer[/url]<br><a href= http://credit-cards.0catch.com/online-fl eet-credit-card-offer.html >online fleet credit card offer</a><br>[url=http://credit-cards.0c atch.com/online-fleet-credit-card-offer. html]online fleet credit card offer[/url]<br><a href= http://credit-cards.0catch.com/online-be st-offer-best-offer-accept-credit-card-m erchant.html >online best offer best offer accept credit card merchant</a><br>[url=http://credit-cards .0catch.com/online-best-offer-best-offer -accept-credit-card-merchant.html]online best offer best offer accept credit card merchant[/url]<br>
Date: Thu 11/30/06 7:19PM
From: Mark Cappello
Message: 6.500 sucks............I can do a 30 year fixed at 5.750% today. E-mail me at mark.cappello@yahoo..com
Everyone in the lending business knows CHL sucks on refi's
Date: Thu 11/30/06 12:19AM
From: lea
Message: I never expected to be posting here. Countrywide bought my loan about 5 months in, my two year adjustable period is ending and I wanted to refi to lock in the rate. A CW rep went over my info, including my stellar payment record so far, quoted me 6.5 percent.. I can live with that, and said the only thing they need up front was 35 dollars for the credit app fee. So I authorized them to debit my checking account via my debit card number.
Lo and behold this morning, I had two charges on my account, one for 35 and one for 350 dollars! Yes! 350 simoleons right out of my account. So I figured it was a clerical error somewhere and wasn't upset.. until I called. They said my loan had defaulted to a loan type where they had to get the appraisal fee up front! So they just went ahead and charged me without my say so! The rep was like.. well will it be a problem paying the appraisal fee up front?
How is that the point, I asked? If you had said you needed the appraisal fee yesterday I would likely have given you my credit card, not my personal account from which I need to pay my car note and elec bill and which YOU darn near overdrew! And to me it is a form of fraud for you to take that money without my authorization! So he hem hawed about how it 'defaulted' and he didn't do it personally.. which I found out later was a lie.. but I told him flat out.. if you woke up this morning and found out someone had snatched 350 bucks out of your pocket just how would you be feeling right now?
Basically I put a stop to the whole process. I had been happy with them up til now.. but there are other lenders out there. I would take a higher interest rate not to deal with this sort of shenanigans! I will get a refi... but it won't come anywhere near this company.
Date: Wed 11/29/06 1:03PM
From: Richardson
Message: As an underwriter at countrywide, I was asked to sign off on doc**ents that did not meet compliance. All the department wanted to do was to get as many loans closed and funded as possible. When I refused to sign off on the loans, I was considered not a team player. I was marked, picked on, hara**ed, falsely wrote up. They watched me like a hawk. All of a sudden my time became an issue. They wanted me in the office no later than 8:30am on time but never mind if I had to stay 7pm or 8pm at night and would even complain about me taking a lunch when the files were piled high and waiting to be reviewed. It was constant hara**ment. I was even pulled in the office by three of my managers and was given a piece of paper which I have stating that I can not turn down any files and all my work had to be reviewed by my boss and they basically tried to intimidate me. When I would take a file to them and tell them why I did not sign off on the file, they would say that the file was okay and I could sign off on the file and then they would tell me "NO" you sign off on the file and would try to force my hand. I got so fed up with what they were doing to me. They started to tamper with my paycheck. Sometimes, I would get a paycheck and sometime I would not. Sometime my paycheck was short. It got very frustrating to me. I rescind and have gotten approval through the EEOC to sue. Countrywide has some serious issues that need to be resolve very quickly. They way that they treat their people who have tenure is down right wrong. Management should be held accountable for their actions and changes need to be made starting at the top!
Date: Sat 11/18/06 1:03AM
From: Bob
Message: Hello, super site!
<a href=http://hunting-clothes.blogspot.com >hunting clothes</a>
[url]hunting-clothes.blogspot.com[/ur]
<a href="hunting-clothes.blogspot.com">hunt ing clothes</a>
Date: Thu 11/16/06 11:30AM
From: yoobh]
Message: <a href= http://abracadabra.of4uq.info/abracadabr a-mp3.html >abracadabra mp3</a><br>[url=http://abracadabra.of4uq .info/abracadabra-mp3.html]abracadabra mp3[/url]<br><a href= http://abracadabra.ododf.info/abracadabr a-superstore.html >abracadabra superstore</a><br>[url=http://abracadabr a.ododf.info/abracadabra-superstore.html ]abracadabra superstore[/url]<br><a href= http://abracadabra.of4uq.info/abracadabr a-sugar-ray.html >abracadabra sugar ray</a><br>[url=http://abracadabra.of4uq .info/abracadabra-sugar-ray.html]abracad abra sugar ray[/url]<br><a href= http://abracadabra.ndg3g.info/abracadabr a-lyrics.html >abracadabra lyrics</a><br>[url=http://abracadabra.nd g3g.info/abracadabra-lyrics.html]abracad abra lyrics[/url]<br><a href= http://abracadabra.ndg3g.info/abracadabr a-the-steve-miller-band.html >abracadabra the steve miller band</a><br>[url=http://abracadabra.ndg3 g.info/abracadabra-the-steve-miller-band .html]abracadabra the steve miller band[/url]<br>
Date: Wed 11/15/06 9:09PM
From: Employee
Message: I am an employee with Countrywide and I have to say that the service that you are given as a homeowner, is all about making the numbers. The faster you can kick a borrower off of the phone, the better the managers will look. If I speak only for myself in saying this, I WILL DO WHATEVER I CAN TO FIX YOUR LOAN if I receive an issue. I correct loans everyday that we have screwed up and yes you might have already called but the person you spoke with was to busy trying to sell you something and make a quota in order for them to keep their job. Our CSR's have been turned into selling machines. It is all about making more money for Countrywide. Countrywide makes enough money on late charges alone to cover the employees salary for one day. We might be generous and waive your late charge but the next month, even if you are on time we will put it right back on there. I am sickened by the way they handle the borrowers loans and the employees. It is honestly not that we do not care about you guys, but if we dont make the bullshit numbers they magically pulled out of there a**, we wont have a job. They have out sourced and opened 2 locations in India and they run them like a sweat shop. They do not want the public to know about that. Almost all of the payments processed are now handled in India. ASgain, taking out jobs and forcing those employees with outrageous production numbers. One of our mission statements is "Maintain Customer Focus" I believe in that 100% but unfortunate for everyone, they do not allow us to do so. If I as an individual could change it all, I would. I recenelty bought my first home and a month later they sold it to Countrywide. I AM PISSED OFF. I work there and they would be the last person I would have wanted to handle my American Dream!
Date: Wed 11/15/06 10:10AM
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: Mon 11/13/06 10:23AM
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 10:06AM
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: Mon 11/13/06 9:55AM
From: Tina
Message: T-Bone and Sage Mushroom Sauce
1 2 lb. T-Bone steak, about 2 inches thick
2 T. olive oil
1 t. dried rosemary
1 T. cracked fresh black pepper
1 t. sea salt
Rub the steak with the olive oil. Rub in the spices and set aside for 30 minutes.
Preheat grill to high.
Sauce:
1/2 oz. dried mushrooms, any variety
1 1/2 C. boiling water
Soak the mushrooms for 20 - 30 minutes.
2 T. olive oil
2 T. fresh chopped sage
2 shallots chopped
4 oz. fresh shitake mushrooms
4 oz. button mushrooms
1/2 t. salt
1/2 C. heavy cream
1 T. sherry
2 T. fresh chopped parsley
Drain the mushrooms, reserving the liquid. Set the liquid aside. Squeeze mushrooms gently to remove excess water.
Heat the oil in a skillet over medium high heat. Add the shallots and cook for 30 seconds. Add the sage and and all of the mushrooms. Cook about 2 minutes and then add the reserved liquid. Cover and cook for 4 minutes.
Add the cream, salt and pepper. Simmer the sauce until it begins to thicken. Stir in the parsley and serve.
When you begin to make the sauce, throw the steaks on the grill and cook for about 8 minutes on each side for medium rare.
Serve the sauce on the side.
Serves 2 - 3.
---------------------------------------- ----------------------------------------
Date: Mon 11/13/06 9:39AM
From: Tom Smyth
Message: Hearty Vegetable Soup
INGREDIENTS:
3/4 cup chopped celery
3/4 cup chopped onion
1 cup chopped carrots
1 (14.5 ounce) can diced tomatoes, drained
3 cups tomato-vegetable juice c***tail
2 cups water
1 leek, chopped
1 potato, peeled and cubed
1 (15 ounce) can peas, drained
1 (15 ounce) can whole kernel corn, drained
2 (15 ounce) cans garbanzo beans, drained
1 cup long-grain white rice
1 tablespoon soy sauce
1/4 teaspoon dried thyme
1/2 teaspoon ground black pepper
1/4 teaspoon garlic powder
1 teaspoon dried dill weed
DIRECTIONS:
In a large pot over high heat, combine the celery, onion, carrots, tomatoes, tomato-vegetable juice, water, leek, potato, peas, corn, beans, rice, soy sauce, thyme, ground black pepper, garlic powder and dill weed.
Bring to a boil, reduce heat and simmer for 30 minutes, or until vegetables are tender.
---------------------------------------- ----------------------------------------
Date: Mon 11/13/06 9:41AM
From: Sue
Message: Grilled Flank Steak
1 ( 1 1/2 lb. ) flank steak
1 ( 10 1/2 oz. ) can beef consomme
1 cup red wine
2/3 cup soy sauce
1/2 cup green onions
1 clove garlic, minced
2 Tbsp. lime juice
2 Tbsp. brown sugar
Trim excess fat from steak, pierce steak on both sides with a fork. Place steak in a large shallow dish. Combine remaining ingredients, stirring well. Pour over steak; cover and marinate in refrigerator 8 hours, turning occasionally. Drain steak, reserving marinade. Grill over medium coals 7 to 9 minutes on each side or to desired degree of doneness, basting with reserved marinade. To serve, slice steak across grain into thin slices. 6 servings
Date: Mon 11/13/06 9:23AM
From: Marcus
Message:
Date: Sun 11/12/06 5:46PM
From: T
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: Fri 11/10/06 11:29AM
From: Marcus
Message: Does anyone in Texas know if Zach Parrott in Relocation been fired yeT. I can't wait to see that turd flushed down the toilet.
Date: Thu 11/9/06 1:02AM
From: Nick
Message: Hi, nice site!
<a href="http://bedding.viptemplates.com/be dding-crib-disney.html" title = "bedding crib disney">bedding crib disney</a><a href="http://bedding.viptemplates.com/li ttle-girl-bedding.html" title = "little girl bedding">little girl bedding</a><a href="http://bedding.viptemplates.com/ba by-bedding-crib-set-vintage.html" title = "baby bedding crib set vintage">baby bedding crib set vintage</a>
http://bedding.viptemplates.com/cool-bed ding-for-teen-girl.htmlhttp://bedding.vi ptemplates.com/bed-bedding-county-louisv illejefferson-toddler.htmlhttp://bedding .viptemplates.com/discontinued-calvin-kl ein-bedding.html
Date: Wed 11/8/06 2:37PM
From: Ivan
Message: Hi, nice site!
<a href="http://bedding.viptemplates.com/be dding-lauren-porcelain-ralph.html" title = "bedding lauren porcelain ralph">bedding lauren porcelain ralph</a><a href="http://bedding.viptemplates.com/re tro-bedding-set.html" title = "retro bedding set">retro bedding set</a>
http://bedding.viptemplates.com/bedding- cla**ic-crib-pooh-winnie.htmlhttp://bedd ing.viptemplates.com/bath-bed-bedding-co mforter.html
Date: Mon 11/6/06 7:40AM
From: Mamadshah
Message: Hi, nice site!
<a href=http://waverlybedding.blogspot.com/ >waverly bedding</a>
[url waverly bedding]http://waverlybedding.blogspot.c om/[/url]
Date: Sat 11/4/06 11:50AM
From: atnzdwros dhkoe
Message: nhqd qdsa veurbkf pawcxklry gublnjqp lbrip mnbaspkh
Date: Fri 10/27/06 8:08PM
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:
They are raiding office, auditing them, then shuting them down.
Left: August 15, 2006 By: Truth Commission In:
RE: Mike
Well not every Countrywide customer has had missing payments. So you're not of many that have. Good for you! Do you think its not happenning to alot of other Countrywide customers, just because it's not happenning to you.
I'm not a Countrywide customer, but I will back up the complaints here. I been in the mortgage business for three years, and I've seen plenty of evidence of Countrywide's incompetency on postng customer payments. I have also seen Countrywide screw up on alot of paperwork too. Their technology is archaic.
"Don't hate because you are stupid". Take your own advice. No one else here needs it but you Mike. Furthermore, don't judge because you're stupid either. Face it, you are smarter than no one here.
Oh and yes, get a lawyer to read your paperwork? Only if you're getting your loan with Countrywide.
Mike, you also sound about as stubborn and hostile as Countrywide Manager too.
Next time Mike, write something intelligent. Because you waste the time of readers who think you have anything worth reading.
Have a nice long day...
Left: August 15, 2006 By: Mike In:
I have had a home loan with Countrywide for 13 years. Never have I had a problem with them losing a payment. I always pay by check in the mail, about three days to process and done.
Maybe some of you should try keeping better track of your funds. Read the loan papers completely or have a laywer present to do so. Don't hate because your stupid.....
Left: August 12, 2006 By: In:
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 01, 2006 By: e. In: texas
It has been at nearly two years and I still remember how bad Countrywide was. The only way I can describe it is as a "kindergarten concentration camp for your mind"
I worked for several months as a temp (so they could save money and not provide benefits) I can understand 2-3 months of temping but 8 is a bit much. Thank God I found another job and was able to escape.
If you are intelligent - get out of Countrywide. The sooner the better.
Left: July 19, 2006 By: Ronald M. In: Houston, TX
Folks, avoid Countrywide. Period. If you're about to sign a loan through another mortgage company on any real estate, make sure you put the following clause in bold-print writing: THIS MORTGAGE MUST NEVER BE SOLD TO OR SERVICED BY COUNTRYWIDE HOME LOANS OR ANY AFFILIATE OF COUNTRYWIDE FINANCIAL.
Countrywide makes millions each year by purchasing loans from other companies. Your loan through another company could end up with Countrywide if you don't protect yourself. BE FIRM at closing. Protect yourself from Countrywide's practices.
Left: July 12, 2006 By: In:
if you were a past employee or current one who was wronged by this company please email me for help and to share and join together... bridgegirl24@yahoo.com
Left: July 08, 2006 By: In:
Everyone go to the press and tell your story, write them, write the editors and call the radio shows. It is the only way to get it out. Let the world know what scum this criminal company is. Give me one person who has complained and had the company thank them and admit they found something....damn scum, GO TO THE PRESS!!!
Left: July 05, 2006 By: B. Kordick In: Austin
I too have a mortgage with Countrywide. We refinanced several years ago to a 15 year loan. We did pay a lot in fees and closing costs, about 5,000 which I have since learned was way too much. However, we pay our own taxes and insurance and our mortgage payment is debited out of our bank account monthly. So we have never had a problem with Countrywide saying they didn't get out payment. Might be an idea for some of you that have trouble with Countrywide saying they did not get your payment in the mail.
Even though we have not had any problem for the 8 years we have dealt with them becuase of all these stories I will defintely stay clear of them in the future.
Left: June 22, 2006 By: Jeff In: Dallas
If you have legitimate gripes about Countrywide, file a complaint with the Better Business Bureau by going to
http://www.labbb.org/BBBWeb/Forms/Business/CompanyReportPage_Expository.aspx?CompanyID=16065&sm=
I am absolutely guilty of falling behind on my mortgage payment. I contacted Countrywide when I was 30 days late, and explained I was going to have trouble making payments for the next 4 months. I got into their workout department and was told I was approved for a workout plan, and was given a case manager's name and phone number. I can document 30 times I called this person and she never once answered her phone. I would leave detailed messages on her voicemail and the few times she did return my call, she left a message saying only her name and contact number, never answered a question. I would get letters from Countrywide giving me contradictory information that I had received from customer service reps I spoke with on the phone. I was continually told they were working on it and someone would contact me, or that I should contact my case manager directly. I went so far as to start calling the case manager's supervisor and leaving the same messages. The supervisor never answered her phone nor returned a single call. Then I received foreclosure papers from a law firm saying they are selling my house in 6 weeks. Not once did I speak with a person from the workout department, and never did I receive any form of workout plan. I don't think it's a reputable business practice to agree to TRY and work out a debt, delay the process while adding on fees and late charges, and then suddenly demand full payment without a single word of negotiation.
Left: June 11, 2006 By: Joe D In: Dallas
Hey jerkoffs..CW ia a member of the S&P 500, Fortune 500, and #1 in customer satisfaction..this website's sole purpose is to drive business to US-Home Loans.com...get a life you stupid a**holes...
Left: June 05, 2006 By: anonymous obviously In: houston
check idea #6137 at cideas what do you think?
Left: May 03, 2006 By: The Welcome Wagon In: Plano
I hear Mr. Zach Parrott is moving to Plano. Let's give him a warm welcome. He hails all the way from GA where his management skills were applauded in the following way. Hmm. Maybe we should think about this.
yea, then you have the fag, homo Zach Parrot. can you believe a gay man who says he is straight, metro man man, who is married to a female. However, he visits "gay clubs" so he can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit
Left: May 02, 2006 By: In:
most of these stories are from people who haven't paid their mortgage payments on time. the moral of the story is MAKE YOUR PAYMENTS ON TIME!
Left: April 24, 2006 By: Screwed by Countrywide In: Texas
Full Spectrum Lending might soon be investigated for "bait-n-switch" lending practices. More details to come later, but suffice it to say: AmeriQuest Mortgage got busted BIG TIME for the same stuff that Full Spectrum and Countrywide have been doing all along.
This could get VERY interesting indeed!
Left: April 24, 2006 By: Screwed by Countrywide In: Texas
Full Spectrum Lending might soon be investigated for "bait-n-switch" lending practices. More details to come later, but suffice it to say: AmeriQuest Mortgage got busted BIG TIME for the same stuff that Full Spectrum and Countrywide have been doing all along.
This could get VERY interesting indeed!
Left: April 17, 2006 By: Dereck In: Houston
I worked for Full Spectrum Lending - a division of Countrywide Home Loans. There is no doubt that there were many problems at Countrywide. However, I now work as a broker and I see that the industry is replete with problems and corruption. In my opinion, I think Countrywide is one of the better companies in the industry. I believe one of there biggest problems although has to do with the fact that they purchase the rights to service so many loans. There is no excuse for the poor coordination between Countrywide and the other companies. However, those who complain about having no problems until Countrywide baught there loan...read your loan ducuments (RESPAS) which indicate the likelyhood of your loan being sold. The company you went with origianlly sold your loan - share the blame (of course there is a lot of paperwork and a lot of fraud). It is a mess of an industry, I'll agree. I just don't see Countrywide as the biggest problem. Look closely at some of the other companies out there and you may be surprised what you find out.
Left: April 16, 2006 By: In:
Left: April 09, 2006 By: Jeffrey Skilling In: Houston
Enron ?
Left: April 09, 2006 By: In:
Left: April 09, 2006 By: In:
Isn't it interesting how the Countrywide lovers stalk this website and find it neccesary to scroll the board down with massive amounts of blank space in an attempt to hide the legitimate gripes of customers and employees?!
Left: April 08, 2006 By: In:
Left: April 08, 2006 By: In:
CHL is falling apart because of brian hale. in less than 5 years, fat ass hale is single handily destroying the 25 years of CHL culture that angelo built. he has bullyied out the the talent of joe anderson, phyliss buckelew, and many, many others. he has replaced them with lunk heads who just want to play golf, drink beer, and chase skirt (during company hours!!!). they could care less about the history and tradition of CHL.
Left: April 06, 2006 By: In:
They always sing you the best case scenario on the first interview (you'll make lots of money) then on the second interview they hit you with the work hard bullshit to see if you scare off. If you go to work there your ass is owned.
All of Countrywide's good will that was built up over 25 years is being flushed down the shiter now thanks very much Brian Hell.
Left: April 06, 2006 By: In:
kaye - run for life. CHL is a sweatshop, with mean managers who don't even know how to tie their own shoes. you would be making big mistake if you get lured in by their lies and bullshit. they are experts of desception.
Left: April 06, 2006 By: In:
they hire felons so you should be in good shape.
Left: April 05, 2006 By: Kaye In: Fort Worth
Can you tell me how difficult it is getting on with two misdeamenors? I hear they role everything together so the scores have to be less than 75 points. Getting an offer for Fort Worth location, anybody know what it is like to work there?
Left: March 31, 2006 By: Former employee In: Dallas
I worked for this horrible corporation for 5 years. During which time came to understand that this evil corporation cares about money...and money alone. They have to regard for the customers. I worked in the forclosure department and had to tell people everyday that we (countrywide) couldnt help them because "they didnt have any money." To all you customers already out there...if you have asked to speak with a supervisor you will notice that it takes about 10 minutes of holding to get in touch with a manager, well that is because they are all walking around the floor talking to their friends, eating or surfing the net. But as far as the company is concerned that is no big deal. Now I can kicked to the curb by that company for being late from a lunch break..infact I was 7 minutes late. When you apply for a loan, apply to a company that cares and treats you like a customer...not like a number like countrywide does.
Left: March 28, 2006 By: In:
brian hale eats all the leftovers at the countrywide cafe in plano. he dumpster dives for chicken pot pies
Left: March 28, 2006 By: In:
Left: April 08, 2006 By: In:
Left: April 08, 2006 By: In:
CHL is falling apart because of brian hale. in less than 5 years, fat ass hale is single handily destroying the 25 years of CHL culture that angelo built. he has bullyied out the the talent of joe anderson, phyliss buckelew, and many, many others. he has replaced them with lunk heads who just want to play golf, drink beer, and chase skirt (during company hours!!!). they could care less about the history and tradition of CHL.
Left: April 06, 2006 By: In:
They always sing you the best case scenario on the first interview (you'll make lots of money) then on the second interview they hit you with the work hard bullshit to see if you scare off. If you go to work there your ass is owned.
All of Countrywide's good will that was built up over 25 years is being flushed down the shiter now thanks very much Brian Hell.
Left: April 06, 2006 By: In:
kaye - run for life. CHL is a sweatshop, with mean managers who don't even know how to tie their own shoes. you would be making big mistake if you get lured in by their lies and bullshit. they are experts of desception.
Left: April 06, 2006 By: In:
they hire felons so you should be in good shape.
Left: April 05, 2006 By: Kaye In: Fort Worth
Can you tell me how difficult it is getting on with two misdeamenors? I hear they role everything together so the scores have to be less than 75 points. Getting an offer for Fort Worth location, anybody know what it is like to work there?
Left: March 31, 2006 By: Former employee In: Dallas
I worked for this horrible corporation for 5 years. During which time came to understand that this evil corporation cares about money...and money alone. They have to regard for the customers. I worked in the forclosure department and had to tell people everyday that we (countrywide) couldnt help them because "they didnt have any money." To all you customers already out there...if you have asked to speak with a supervisor you will notice that it takes about 10 minutes of holding to get in touch with a manager, well that is because they are all walking around the floor talking to their friends, eating or surfing the net. But as far as the company is concerned that is no big deal. Now I can kicked to the curb by that company for being late from a lunch break..infact I was 7 minutes late. When you apply for a loan, apply to a company that cares and treats you like a customer...not like a number like countrywide does.
Left: March 28, 2006 By: In:
brian hale eats all the leftovers at the countrywide cafe in plano. he dumpster dives for chicken pot pies
Left: March 28, 2006 By: In:
Left: March 23, 2006 By: fred In: dallas
CHL is falling apart, and i hope brian hale has a massive heart attack, dies, and goes to hell. within 5 years, he has single handly destroyed one of the best mortgage company's, and the lives of countless employees and customers. f... you mr. hale and your little cronies.
Left: March 22, 2006 By: Tom In: Little Elm
Would anyone expect anything different from a company without a drug testing policy?
Left: March 20, 2006 By: Jill M. In: League City
Me again....one other thing I thought was worth mentioning. My identity was stolen a few months back by a lady in Dallas. She paid two electric bills using my name and a routing number off one of my checks. I looked to see what bills I pay in Dallas, and there it was, Countrywide's Plano office.
Now from looking on here, it is obvious that this Sandra Marquiss that paid her electric bill ($419 in one month!!! $58 in another month) is from Dallas. She is busted and I filed a report with Galveston County for identity theft, in which they are taking care of it. Eventually it will catch up to this woman whoever she is. But it is interesting to see that Countrywide actually has the things going on in their Plano offices that is very shady. Not to mention all the problems I have had with Countrywide. I know have my bank write the checks. Be careful on writing Countrywide personal checks!!!!!
Left: March 20, 2006 By: Jill M. In: League City
THANKS COUNTRYWIDE FOR NOTHING!!
Thanks to Countrywide, my housenote went up $700 in one month, all because they actually got the decimal mark in the wrong place when figuring up my school taxes, ok who pays $240 in taxes for schools every year? The smurfs? Yeah, then, they proceded to NOT pay my PID taxes for 2 YEARS!!!!!!!!!!!!!!!!!! They have the nerve to say on the phone " if this was our fault, we would pay for it " Well who's fault is it? Then I went local, they tried to help me at the Countrywide office around the corner, when I told them my problem, they then called Countrywide's corporate office and they actually LIED to the lady from the local office. Nice.
So they work out a "payment plan" with us, even after we are now negative 5 grand in escrow....the payment plan was for $1618.00 per month, so my mortgage went from $1154.00 to $1618.00 per month, ok great.
Last month, we get a letter from Countrywide....they are now telling us they paid $500 to the county taxes instead of to the school taxes. Not only is this our fault and we have to pay for it, they will add it to our escrow. I do not get the nerve of these freaking people. Alas, I go to pay my taxes this year and they are up $6000 some of that is thanks to the fact that Countrywide did not pay those PID taxes for two years and last year they added it to our mortgage, and shorting the school taxes, these people are a joke. Whats worse is that we did not even chose them. We started out with Home Key Mortgage and all was well until Countrywide bought them out. Now we are stuck and they know we are.
Left: March 18, 2006 By: Napoleon In: Plano
I worked the fishbowl for several years. Looked at it as a modular plantation with a few managers with their hands in the pot, none much sharper than a wet noodle or interested in anything beyond immediate monthly application numbers - it's all about the numbers and being afraid of the outside world. Had to deal folks who aspired to be in management that were just there not to work but to throw some 'numbers on the board' look good for a spell with a goal to eventually 'get off the phone'. The driving culture whether from lower or upper level management was not to do things right, improve systems and doing right by the customer but rather to put those numbers on the board and get a periodic pat on the ass from your supervisor. Who cares about customers anyway - numbers on the board and blatant favoritism is where the action is and all you suck ups know that so congrats on your promotions. What a life!
Those blitzes were fun too - send out the letters or make some calls using a fony name, like Alexa, drive in calls, try to sell a product that might not be right, if they don't take the pay option ARM then be sure to slam the piggy, put a card in for the drawing and call it a Saturday going home with a movie ticket and desperate need to a stiff drink while the shopper goes home with the DVD or camping gear he always wanted.
Very releiving to be out of the fishbowl, free of the shackles and to have my rights as an American citizen restored. CHL truely did suck dot com - I feel priviledged and proud to have the opportunity to post!
Left: March 17, 2006 By: In:
http://www.ripoffreport.com/
search: countrywide
You will be appalled
Left: March 17, 2006 By: Stephen In: Houston Texas
The names are going to stay the same to point out the guilty. Below is what I sent to the Customer Service department.
My comments are going to deal with the extremely poor customer service I received over the last 5 months. For the past 5 months I've been tring to get my loan refinanced. The first time, we got 3/4 the way through the process and the lady Audrea Smith stop returning my emails and phone calls. So, I called and had Countrywide start over from scratch. Leamon Anderson, assisted me and we talked numbers and then Countrywide send me the good faith estimate. This go around the prices that me and Mr. Anderson talked about was off by 300 more a month. I called Mr Anderson and asked why is it 300 more a month then the numbers we had talked about and he did not have an answer. So, Mr Anderson and I went through the process all over again and talked numbers again. This time Mr Anderson did not send a good faith estimate. I called Mr Anderson and told him I haven't received the good faith estimate yet. Mr Anderson stated that they didn't need to send out a good faith estimate that they already had the stuff they needed to move forward on the refi.
Then Valerie Soliz from Fidelity National Title called and said that she has my loan papers and wanted to talk about a time frame to have a closer come out and so I could sign papers. I asked Valerie what the monthly payment was and she told me and it was STILL 300 more a month. I told her that is not the numbers that me and Mr Anderson had talked about. I told her I understand that she doesn't work for Countrywide and that this is going to have to be put on hold until the numbers are correct. Valrie gave me the name of the person that was processing my loan, Michele Hassell. I called Michele and asked why the monthly amount was 300 more amonth then what me and Mr. Anderson talked about and she had no answer. I called Clinton Henderson (Vice President of the Plano office?) and explained the situation. Mr. Henderson looked into what was going on and seem to get things working correctly. So I scheduled a time for Fidetily National Title to come out and so I could sign the loan refi papers. After going through 3/4 of the paper work we came across a paper that said I needed to bring $7,000 more to closing then the orginal $4,000 I was told. So I would have had to bring $11,000 to closing instead of the $4,000 I was at first told. I did not sign that paper and the loan is still not complete. There is a MAJOR break down between people in the same department, different departments and a lack of either training or knowledge with the people I've talked with over the last 5 months. During this time frame (5 months) the rate has going up 2 times. Because the rate has changed twice during this 5 month long extremely stressful refi, I'm now having to pay the more a month because of the rate change. Being that I'm in customer service, this IS the worse experience of my life and I've never have heard of this type of custom service before. Please understand this much. I have found a web site called http://www.countrywidehomeloansucks.com/ I intend to tell this story on this web site and also contact the BBB. It is also my intension to inform everyone I come incontact with regardless if they are or are not looking for a homeloan and or a refi. I will keep a close eye on the rate and when the rate falls below what I have now, I will find another company to do business with. I am beside myself on this and am suprised at how Countrywide operates as a company. Please feel free to contact if you feel the need. sbholcombe@houston.rr.com 281-960-4317.
Left: March 17, 2006 By: michelle In: amarillo
I just thaught that everyone should know that countrywide pays telemarketers up to 10.00 per hour to persuade you into a "free" quote. Now I say "free" because that is what they say, but after they actually get you on the line with one of those consultants who don't give a crap about you or your loan they will first run a credit check with out permition then you are actually charged about 350$ for your "free" quote. I know this because I worked for them.
Left: March 16, 2006 By: In:
brian hale sucks
Left: March 14, 2006 By: In:
BEWARE OF MANAGEMENT ADVISORS INTERNATIONAL OR MAI. THEY ARE A CUT THROAT RECRUITING FIRM OUT OF HICKORY AND CHARLOTTE, NC, AND FLORIDA. THEY RECRUIT YOUR EMPLOYEES OUT OF YOUR COMPANY THEN CALL YOU AND REQUEST THAT YOU PAY THEM A RETAINER TO FILL THE OPEN POSITION. A YEAR LATER AND THEY COME RIGHT BACK AND RECRUIT THAT SAME CANDIDATE THEY FILLED THE OPEN POSITION WITH. THEIR GAME IS GETTING RETAINERS. IF YOU RETAIN THEM THEN WALK AWAY FROM THE DEAL, YOU OWE THEM 75%. IF YOU RETAIN THEM BUT FILL THE POSITION WITH A CANDIDATE YOU FIND, YOU OWE THEM THE FULL FEE.
Left: March 14, 2006 By: In:
Grilled Flank Steak
1 ( 1 1/2 lb. ) flank steak
1 ( 10 1/2 oz. ) can beef consomme
1 cup red wine
2/3 cup soy sauce
1/2 cup green onions
1 clove garlic, minced
2 Tbsp. lime juice
2 Tbsp. brown sugar
Trim excess fat from steak, pierce steak on both sides with a fork. Place steak in a large shallow dish. Combine remaining ingredients, stirring well. Pour over steak; cover and marinate in refrigerator 8 hours, turning occasionally. Drain steak, reserving marinade. Grill over medium coals 7 to 9 minutes on each side or to desired degree of doneness, basting with reserved marinade. To serve, slice steak across grain into thin slices. 6 servings.
Left: March 14, 2006 By: In:
Ya really. That bitch should be doing hard time. By the way that idiot who was defending Martha, can't even spell her name correctly!
How's that wooden spoon feel now?
Left: March 12, 2006 By: In:
Piker is just sore because Martha broke the wooden spoon off in his ass.
Left: March 11, 2006 By: In:
shut the f... up with this martha stewert crap. you are a moron.
Left: March 11, 2006 By: In:
Martha Stewart has huge nuts!!
Left: March 10, 2006 By: Ray In: FtWorth
Additional item with Countrywides management In CA they are telling staff that there will be no more growth in CA. It will be 60% in CA. All growthoutside CA. I transfered to TX And I am told Countrywides goal is 80% outside CA.
Left: March 10, 2006 By: Ray In: Ft. Worth
I have been in the financial profession for 15 years. I came aboard Countywide as a member of management. I have to say there are some good people working there. But the management is missing the game. They dont see the big picture. The customers and front line staff are not treated #1. The management is fighting with each other no communication between departments. It takes a miracle to get anything done. Everyone is back stabbing each other. Its just a matter of time before they get worse. I ended up resigning my position with the company.
Left: March 07, 2006 By: shane In: Groves, Texas
Countrywide SUCKs....BEWARE
I lost my home in hurricane rita....my insurance company really stepped up to the plate and paid to rebuild my home and then some. You would figure in a situation like this the insurance company would be the one to worry about ...WRONG!!! Here steps in Countrywide to screw everything up. The insurnace money comes in both yours and your mortgage companies name to endorse then be able to cash and pay your builder. Countrywide REFUSES to send the money back. they have had 80,000 dollars of mine for over 4 months and have only released a very very small amount of it. I have 4 kids and a wife and we are living in a 30 foot travel trailer. Countrywide could care less. We have less than 1 weeks worth of work to do and have since December. They deposit this money into an account and believe me will hold it untill the cows come home and draw the interest off of it which is ilLegal to begin with. They now wont give us any money because they say they will not give us a dime unless my contractor signs a waiver of lien which is the only protection he has to insure payment...which no contractor in the world would sign untill being paid. Daily...Countrywide lies to us about something...they'll say the checks in the mail ..overnight...it never shows up...they lie about thir own names and phone numbers. They'll tell us to call sombody to get this resolved..you hang up call that number.....its out of service..then you never get the person you were talking to to begin with. I HATE THESE PEOPLE WITH A PASSION. The whole company is nothing but crooks and cons. Why should it be so hard to give me MY INSURNCE money.. from a policy I PAID for...so me and my family can go back home....it's not like we havent been through enough already. IF YOU READ THIS....NEVER NEVER NEVER NEVER USE COUNTRYWIDE FOR ANYTHING...YOU'LL BE SORRY YOU DID.it should take less than one week for them to recieve this check..endorse it and send it back...you know good and well that the government knows they are depositing these checks in interest drawing accounts and holding them as long as they can. Think of the millions of dollars they are holding in peoples insurance claim checks across the country right now...due to hurricanes and fires? They are making MILLIONS and MILLIONS of dollars a day by screwing people like me who need that money to get their lives back in order...but they dont care what we are going through...they just want to make a buck at all cost...no matter how illegal or wrong it is.
Left: March 02, 2006 By: In:
Wait a second. I thought Countrywide Employees were getting gyped out of their lunch hours. Isn't that why they got sued?
make up your mind. . . .
Left: March 02, 2006 By: In:
Well gee wiz
Let's recap
Countrywide employees are so dis-satisfied with their job that they feel the need to go take dope on their lunch breaks so they can put up with your bullshit.
I know you are surprised but do you need it spelled out any more clearer to you???
Left: March 01, 2006 By: In:
i agree that the personnel at CHL are great but the upper vp's are ruining a great american company with their greed. times have changed.
Left: February 28, 2006 By: In:
I work for Countrywide and it is one of the best company's I have ever worked for in my life. (I'm 40).
I take great offense to your statement that the employees suck. I guarantee you that my peers and I are some of the most professional people you will ever meet.
As I have learned, there is always a back story to people's drama and complaints. I wonder what facts you have not mentioned or forgotten.
Left: February 24, 2006 By: In:
Ya...I heard Martha Stewart is shaving her nuts now.
Left: February 21, 2006 By: Cristy Britt In: Corpus Christi
Our coutrywide loan officer tried to convince us that nobody else would lend us money to buy a condo, saying we didn't make enough money and we were lucky to get 8%----8% are you fu**ing kidding me!!! My credit card doesn't charge that much! NavyArmy FCU gave us all the help we needed at 5.25% for 15 years...I highly recommend them (and no-I don't work there) You don't have to be in the military to become a member either!
Left: February 21, 2006 By: In:
Martha Stewart has one of her custom jock straps up on ebay now. Happy bidding!
Left: February 21, 2006 By: Stefan Hearst In: Little Elm
Countrywide Home Loans, The Titanic, and the Impending Tip of the Iceberg
I was exposed by your website by some Countrywide employees who were thrilled that such a website existed. I was surprised that so many employees were aware of the website and that so many of them were in agreement with the complaints by the consumers and other former employees. In fact, I knew of certain employees that were simply terminated without any reason since Texas is an AT WILL state that allows any employer to terminate an employee without any reason and at any time. When you have employers leaving Employee-Friendly states like California and rushing to Texas (an Employer-Friendly state), it is because the Employers know that they can abuse their workers with excessive mandatory overtime and then impose difficult statistics that cannot be met by anyone and, thereby, avoid having to give them a pay raise over time.
I cannot help myself with the clear analogy between Countrywide Home Loans and The Titanic. Countywide Home Loans has been growing by leaps and bounds over the past few years. Its growth is attributable to originating its own mortgage loans and absorbing loans from banks originating loans but not servicing them or from other mortgage servicing companies that cannot afford to service mortgage loans that have borrowers that may be having financial difficulties through not fault of their own or perhaps there are borrowers who have lost all hope and do not really care about making mortgage payments. As Countrywide accumulates tens of thousands of mortgage loans around the USA, like The Titanic in a financial sort of way, it has more capital being directed its way and this capital allows it to continue to expand its operating capacity and investments. It spends much of this capital on buildings, computer hardware and software, training programs, and other assorted business expenses.
When loans are acquired by other lenders or mortgage companies, the information is transferred to Countrywide via electronic tapes or other electronic media and, in the process of transferring the information, there is a slight incompatibility of the software or transfer process and the information about the Homeowners' account is skewed including the payments. The Homeowner is supposed to receive a GOODBYE letter from their previous lender and a WELCOME Letter from Countrywide Home Loans. Due to the inaccuracy of the mailing information and the quality of the WELCOME letter, the Homeowner never gets a WELCOME letter and the Homeowner continues sending their payment to their mortgage company without any idea that their payments are not being sent to Countrywide Home Loans in a timely manner. Countrywide, on the other hand, is like a big train in motion and, once the mailing address has been corrected, sends Delinquent Notices with the implied threat of foreclosure to the new Homeowner. The Homeowner, taken by surprise, either assumes there must be some mistake or there must be another person with the same name or is insulted by these letters. The Homeowner sends front back copies of their cancelled checks or bank statements proving that they did make payments but are still met with threatening phone calls by a Countrywide Home Loan Representative whose only goal is to get the Homeowner to make a Promise To Pay (PTP) or a Mortgage Pay by Phone (MPP) that very moment because the Countrywide Rep will get points. The illogical thing here is that the funds in the Homeowners bank account have already been cashed and there are no funds for the Homeowner to make another payment.
Countrywide Home Loans has millions and millions (I do know it is extensive) of dollars in Unidentified Payments that are kept in an Unidentified Check Log (for unidentified personal Checks, Money Orders, Cashiers Checks) because the Homeowner name or account cannot be Identified due to illegibility or an incorrect loan number or the loan has not "boarded" correctly onto the Computer system.
As Countrywide continues to accumulate more loans that need servicing, there is the attempt to have its loan servicer in various departments handle higher volumes of loans which means that workers must process more loans faster (quantity) which only logically and inevitably means that not much time (quality) can be spent on each loan. About a year ago, Countrywide Home Loans' campaign goal was to attain the ONE TRILLION DOLLAR mark. This mark meant that Countrywide had One Trillion Dollars of mortgage loan servicing portfolios. It was to be a big EGO TRIP for Countrywide as a company. What was lost in this effort was the quality in mortgage servicing because everything had been reduced to STATISTICS and NUMBERS. Quality was not a concern. Just DO WHAT IT TAKES to get the numbers up and continue to increase the servicing capacity. These mandates are made by people who have never been in the trenches to understand the degree of difficulty that is required. Countrywide hires managers who have never done the gritty work and, because the gritty work appears to be so simple, these managers assume the job is so easy that these workers can do more. Like THE TITANIC, the workers on the bottom of the ship are sweating and labouring with short breaks, mandatory overtime, and 30 minute lunch breaks as they shovel the coal into the steam engine of The Titanic to make it go faster and faster to impress all the executive passengers and shareholders in the marble floors on the top of the ship while their managers get compensated with bonuses for getting more work out of their workers for less.
Now let me say that this is the impression that I got for the six years that I was employed with Countrywide. I was laid off from Countrywide but not provided with any reason but I am convinced that this was due to a payment I received that did not get posted for about three weeks because I was in a mandatory training class and no one could find the missing payment. I am not a disgruntled employee. I knew of other people who were laid off for no apparent reason. Never mind I have 22+ awards for excellent customer service and research abilities. Like all Texans who may have been laid off with no explanation, we have no recourse under the Texas AT WILL STATE hiring policy. This means anyone, anywhere can be fired or laid off AT WILL and you are not entitled to any explanation. You can see how great this is for companies that have unscrupulous and ethically questionable business practices. It forces an employee to keep their mouth shut because everyone has to put bread and butter on the table for their families.
Another indicator of a company that is to be suspect is the implementation of an ETHICS SCENARIO campaign where Countrywide has one of their legal counsels prepare an ethics scenario and requests input from the workers to tell them what action they would take in a certain scenario. They also invite employees to put forth any Ethics Scenarios of their own. According to many of my coworkers and supervisors, I was advised to avoid answering these Ethics Scenarios because they are nothing more than FISHING EXPEDITIONS to get someone to say what is going on or what the general practice is in certain situations. When a company makes a claim to adhering to ETHICS, it is a good time to be cautious and stay out of the loop. When entered my own version of Ethics Scenarios, I was called into the HR Office to answer why the use of cameras, recorders and microphones would resolve several questionable practices. I told them it was simply a hypothetical situation and nothing more.
For the past six years at Countrywide Home Loans, for example, there have been employees and I who have picked up the scent of marijuana in the immense parking garage and it is a daily activity. There should be no smoking of tobacco in the garage but the security people told me they were advised to let the people smoke the tobacco in their vehicle. These tobacco smokers know that they will not be bothered if they smoke their tobacco by security so the practice is common and now we have people who smoke marijuana all the time and, if security approaches, they can easily light up a cigarette and claim they are just smoking a cigarette. I have seen people personally who do not care if anyone sees them smoking marijuana in their vehicle.
Countrywide Home Loans has never had and I am confident that they will never ever have a Drug Testing Policy at any time in the future. I was told by reputable sources, that this is because Countrywide is very aware that many of its employees will fail the Drug Test. Perhaps with the increasing work demands and stresses associated with mandatory overtime that so many employees have resorted to using drugs. But it matters not to Countrywide because profits outweigh liabilities.
Countrywide has become a big Titanic with employees that have become dangerous with the rampant use of prescription and nonprescription drugs and illegal drug use such marijuana and no checks and balances even with management. A perfect case of management gone murderous was late last year when a manager was in a traffic altercation just outside the Countrywide Home Loans building in Plano, Texas. This manager was probably stressed out and was annoyed at another driver and passenger of another car and this manager took a big gun out and shot the front windshield of the car out. Of course, Countrywide Home Loans, upon finding this out later, fired the employee after the fact. If there were vehicle inspections, I fear there will be quite a number of people who carry weapons. This is just my gut feeling and sense of fear based upon the language some employees use in the workplace when venting their anger against another person. I have always tried to use light-hearted humour to make others feel better because I sense the stress they must be under. I realise that I can not change other people's value system but I feel great that I am well-liked by many of my coworkers.
I have no regrets by being laid off or fired from Countrywide Home Loans. One closed door only means that another door will be open and I will be able to obtain work with a more Quality-Oriented Employer that has a nicer work environment with a professional setting.
I fear that Countrywide Home Loans, like The Titanic, may continue to abuse its workforce with mandatory overtime (impromptu overtime) and focus only on numbers by management in order to impress the shareholders or potential business partners and fail to see the tip of the iceberg of employee morale problems and stressed workplace. Like Washington Mutual, Countrywide may have to answer for itself to the Securities and Exchange Commission (SEC) about its business practices but, by then, those in the upper echelons of the Countrywide bureaucracy will have left the sinking ship of Countrywide as it is broken up. The only victims in this hypothetical scenario will be the thousands of low wage workers trying to do their best and, more importantly, the Homeowners and Business Partners. Please remember that I am a former employee of Countrywide and that I have been privy to certain activities and actions and statements and that, although I am not an MBA, I am reaching my own personal conclusions based upon my own personal sentiments I have reached over the past six years with Countrywide. My conversations from several employees in different departments and outside sources from certain business partners of Countrywide have had an impact on my opinions and my opinions may not account for much.
I do want to thank the founder of this website to allow me the opportunity to vent and express my feelings about Countrywide. I have mixed feelings about Countrywide because there are good quality people who work there but there appears to be a management issue where you have people in management who simply do not have any business managing because they are not people-oriented and do not seek to cultivate a quality work environment. I want to say that I am not at all surprised that many Homeowners and former Countrywide Employees have come to this website to vent their feelings. I may not be educated in the law or in business but, like Forrest Gump, I KNOW WHEN WRONG IS WRONG or a business practices or a focus of business is questionable. Perhaps, in quest for the mighty buck, businesses have focused too much on numbers and profits and we have all become nothing more than quantifiable numbers of a certain value.
All people are good people at Countrywide Home Loans, but the recently hired management has no clue to the simplest of tasks and devalues those tasks and makes their workers do more for less and always find fault with others. It is difficult to plan family affairs in certain departments of Countywide Home Loans when, 15 minutes before your time to go home, you are told to stay for overtime for an hour or two. Even on Friday, you may be told before you go home that you have mandatory overtime early Saturday until 12 or 2 or 3pm. There is no room for negotiation for, if you do not comply, you are written up for failing to stay or failing to come to work on Saturday. And remember that there may be some of us employees who may have religious obligations late Friday or early Saturday but that does not matter.
One gets the impression that the reason for mandatory overtime is that it is easier and cheaper to pay overtime than to try to convince good quality people to work for Countrywide. Now I know what certain supervisors meant when they referred to Countrywide Home Loans as a "sweat shop" environment.
Again, thanks for allowing me to provide my impressions of Countrywide. Now I must continue my task of looking a good quality employer who can use my mortgage servicing skills.
Left: February 21, 2006 By: In:
Martha Stewart has one of her custom jock straps up on ebay now. Happy bidding!
Left: February 20, 2006 By: Mr. G In: Fort Worth
I used to work for Countrywide in Simi Valley between May 2004 to about August 2005. I transferred to Fort Worth. In that time, there was a change of manager (read: my manager quit because he was written up by the new VP for not answering the phone after work hours) and we got a new VP who transferred in from Calabasas, where Mr. Jackass Mozilo was located. This VP thought he was hot shit because he was buddies with the big boss. Well, he comes into our office which we were sharing with another person from a completely different department that had nothing to do with ours. (Let's call this employee D.) He tells D to remove certain non business items from his desk, including a picture of D and his wife. D tells the VP "no" simply because he was not his boss. The VP tells D that he will regret telling him no. D hangs up with the VP. A minute later, the VP calls me on the phone bragging to me that D was going to regret telling him no.
Now, Countrywide has a strict policy against unethical behavior and this definitely counts as that. I report the VP for this as does D and a few weeks later, D gets fired, and I get written up. A few months later, they hire two more people in my department to replace me and then I get fired.
I am buying a house soon and I will make sure that Countrywide does not get their hands on my loan. Stay away from this company. They have mismanaged so many loans that it is ridiculous and sad they are still in buisness. There are better companies out there that will not screw you over. Countrywide clearly is not the choice to go with.
Left: February 20, 2006 By: Mr. G In: Fort Worth
I used to work for Countrywide in Simi Valley between May 2004 to about August 2005. I transferred to Fort Worth. In that time, there was a change of manager (read: my manager quit because he was written up by the new VP for not answering the phone after work hours) and we got a new VP who transferred in from Calabasas, where Mr. Jackass Mozilo was located. This VP thought he was hot shit because he was buddies with the big boss. Well, he comes into our office which we were sharing with another person from a completely different department that had nothing to do with ours. (Let's call this employee D.) He tells D to remove certain non business items from his desk, including a picture of D and his wife. D tells the VP "no" simply because he was not his boss. The VP tells D that he will regret telling him no. D hangs up with the VP. A minute later, the VP calls me on the phone bragging to me that D was going to regret telling him no.
Now, Countrywide has a strict policy against unethical behavior and this definitely counts as that. I report the VP for this as does D and a few weeks later, D gets fired, and I get written up. A few months later, they hire two more people in my department to replace me and then I get fired.
I am buying a house soon and I will make sure that Countrywide does not get their hands on my loan. Stay away from this company. They have mismanaged so many loans that it is ridiculous and sad they are still in buisness. There are better companies out there that will not screw you over. Countrywide clearly is not the choice to go with.
Left: February 20, 2006 By: Billy Jo Jim Bob In: Plano
Well where to start? I found this site because I was looking for the class suit against CW for overtime issues.
I worked for FSL - I saw many many things daily!! Managers going to the parking lot (Plano) for BJ's and drugs. Not just smoking some weed - but crack, speed you name it. This was daily and not just one manager but several. I had one mgr who had a CPA letter that he "just altered" as needed for each customers' stated income file.
I made the mistake of taking the employee discount when I purchased my new home - wish that had not happened.
I am not in the industry today. But I know where a good broker could lay their hands on over 66,000 CHL pre-pay customers and ALL their information.
Left: February 20, 2006 By: Billy Jo Jim Bob In: Plano
Well where to start? I found this site because I was looking for the class suit against CW for overtime issues.
I worked for FSL - I saw many many things daily!! Managers going to the parking lot (Plano) for BJ's and drugs. Not just smoking some weed - but crack, speed you name it. This was daily and not just one manager but several. I had one mgr who had a CPA letter that he "just altered" as needed for each customers' stated income file.
I made the mistake of taking the employee discount when I purchased my new home - wish that had not happened.
I am not in the industry today. But I know where a good broker could lay their hands on over 66,000 CHL pre-pay customers and ALL their information.
Left: February 17, 2006 By: Chuckles Jackson In: Dallas
In general, I am seeing a lot of issues about escrows on this site. If you do not want Countrywide to handle your escrows and do not have a FHA or VA loan and have an 80% or less loan-to-value call their customer service number, 1-800-669-6607, and request that taxes and insurance not be escrowed - they have ot honor it. This way, escrows cannot be messed up.
Past stories have included that Countrywide does not pay past employees their bonuses for the previous month if they leave the company. Not legal, even if the employee signs the silly agreement required for employment. This is simply a matter of strong armed tactics, bullying by corporate America, Countrywide. In Texas take it up with the Labor Law Dept at 512-837-9559, download a wage claim form on their site and send it in notarized. For those in other states, you will have to contact the appropriate state agency, file a complaint with your congressman or, least preferred, file a legal claim with an attorney. Any good attorney office will not hesitate to take this on but your yield will be less than other options mentioned because of legal fees.
Thanks, good luck and more to come.
Left: February 15, 2006 By: MJ In: houston
I phone ahead and also printed my payoff balance off their site that was good for 10 days, not I am being charged for addition interest anyway. My payment was cashed days before it was actually due, a copy of this will go to the FTC.
I won't borrow from them again...
mj
Left: February 13, 2006 By: In:
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 12, 2006 By: spell check, please In: woodland hills, ca
I stumbled across this website the other night. What a hoot!! Tried posting for California, but it won't let me. Former CHL employee here -- it is what it is ... I don't think that Countrywide is any different than any of the other big lenders - ie WAMU and Wells. Having worked at CHL, yes, we have severe customer service issues -- but so do the other lenders. So the grass is always greener. Most of the complaints that I've seen are against Retail/Full Spectrum Loan Officers - Seriously, what do you expect? They work out of CALL CENTERS. Most are young and hungry and are barely high school educated. These are not MBAs, people. Countrywide's biggest mistake has been to disregard their existing human capital-- I'm talking about the employees who have worked for Countrywide for 5+ years (many have been w/ the company for 10+ yrs). These are the people who came up when Angelo was very much active in day to day operations. These are the people who at their core understand that service is all we have. These are the people who tirelessly make it happen everyday, in every department. Now, management is looking to "grow market share" so the mucky-muckys go out and bring in outsiders - who have NO CLUE about the "Countrywide culture". So these mid level managers come in, have no clue, make no valuable impact on anything and then leave with their big fat signing bonuses when their contracts are up.
For all the disgrunted customers - I truly am sorry. It is frustrating. Here is the bank that helped you finance the American Dream and this has been your experience. Don't just blame Countrywide - look around. Look how many mortgage companies go under every year due to misrepresentation, scandal and lawsuits. More importantly, why on God's green earth would you allow yourself to let a telemarketer/mortgage loan officer do your loan??? Go to the bank directly. Know your rights. Ask around. BE AN INFORMED CONSUMER. Make your LO go over the GFE line by line. Make your LO walk you through the loan process - start to finish. ASK QUESTIONS. Usually people who feel "ripped off" somehow didn't read the fine print. ***And for all of you out there -- a "no point, no fee" loan will cost you more in the end: you end up with a higher rate and you can't write off a LO's rebate. Whereas if you bring in funds to pay your closing costs, you can write off the LO's origination fees.
Left: February 08, 2006 By: In:
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 08, 2006 By: In:
Kenny the spelling nazi
Left: February 07, 2006 By: In:
ohhhh, kenny ! such a noble man.
Left: February 07, 2006 By: In:
Isn't it nice to have a mortgage lender ad on the left side of the screen for all those unfortunate CW suckers. No conflicts there.
Left: February 07, 2006 By: Ken In: Dallas
Though I have never worked for Countrywide I have worked in the mortgage industry, been a customer, and worked for large, Fortune 500 companies before. Each one had a lunatic fringe site, blah-blah-blah-sucks.com. I am sure people have bad experiences with any company, including Countrywide, but the comments posted here are indicative of sour-grapes, ignorance and conspiracy theories. My advice is this: learn to use a spell checker, think about whether you would have the guts to say what you think to a court of law, and develop some decorum.
Left: February 07, 2006 By: In:
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 05, 2006 By: In:
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:
brian hale is a HOG that needs to go to the slaughter house.
Left: February 04, 2006 By: In:
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 03, 2006 By: In:
NO ONE CAN LIE LIKE COUNTRYWIDE CAN
Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. 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: jake In: cali
Improper Home Charges
Read then File a complaint
www.zimmreed.com
Left: February 03, 2006 By: In:
brian hale is such a big, lard ass, turd he clogs the toilet when people try to flush the piece of shit.
Left: February 03, 2006 By: In:
bobbi - what a great statement, " countrywide can get loans for people who normally can't get one". the house of cards is tilting!
Left: February 01, 2006 By: Bobbie In: Dallas
Countrywide actually made me a homeowner so I think alot of what you get depends on what you read, what your credit is, and how responsible each person is. So to be profane is really mature people.
If you know how to read then read anything and everything before you sign your life away. Countrywide isn't for everyone but really can get people loans who normally would never see a loan happen.
PEACE
Left: January 29, 2006 By: In:
NO ONE CAN LIE LIKE COUNTRYWIDE CAN
Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. 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 28, 2006 By: In:
Scroll way down for responses. Countrywide Jakoff doesnt want you to read this board.
Left: January 28, 2006 By: In:
Left: January 27, 2006 By: In:
Scroll way down for responses. Countrywide Jagoff doesnt want you to read this board.
Left: January 27, 2006 By: In:
Left: January 27, 2006 By: In:
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:
keep on drinking brian hale's kool-aid!!
Left: January 27, 2006 By: In:
yea, right... and many $$ in advertisements did chl have to buy in order to make fortune's little list. wake up, moron!!
Left: January 27, 2006 By: In:
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 24, 2006 By: HUD Buster In:
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 YOUR 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 22, 2006 By: Former Employee In: Anywhere, Texas
I was in love with this company. I honestly was. I gave everything I had to my cowokers and fellow employees. I did EVERYTHING possible to make management proud of me. I voIunteered to do extra tasks and when work was not readily assigned, I created my own work. By all measures of the corporate yardstick, I was a great employee. However, I reported to a manager who was constantly moody and treated people unfairly (especially if there was a chance they were smarter). I attempted to request a transfer to another area and was told it was a no-brainer - they wanted me ASAP. My old boss made a call (I found this out later) and not ONLY did they NOT give me the new opportunity, I was mistreated more significantly by management from then on for "trying to leave". [This is a VERY frequent occurance at Countrywide!]
When I made my decision to leave, it was extremely difficult to leave the people - I saw these people struggling daily to survive being observed on the amount of time they were in the bathroom, whether or not they wore the right clothing, whether or not they had a personal phone call (GOD FORBID!), personal emails or happened to come in to work, back from a break or back from lunch more than 5 minutes late.
It's true - a lot of employees stay there because they are duped into beleiving it's the best thing around. Some stay because it really is the best job they will get. I know some work hard there for little or no appreciation. I feel the UPPER UPPER tier of management would really be sickened by the fact that they have a MANAGER in place who cannot figure out how to use an excel spreadsheet to save his life - he just knew the right people. Or another manager who moved from an AVP to a 1st VP with next to NO qualifications to be where they are in the company. Bringing in a friend to work under you is another trick they use. I personally witnessed someone come in under a manager who had NO experience at a specific job. This person hit the ground trying to take over. The manager even placed this person in charge of "auditing" something that she had no business auditing - no knowledge, no experience, no capabilities. Friendship and networking get you a LONG ways there.
Several months ago, I left the company for a new job. I am currently making almost 20k more a year.
I was contacted at my new job (cell phone) this week by a manager at Countrywide - they want me back - in a BAD way. It's been long enough that I have had a review with my new company and it was extremely positive. Countrywide offered to pay me a little more than I am making now. Funny how a few months away can mean a 21k raise in pay. Amazing how if they had just given me a LITTLE more when I worked there, I might have stayed. When I received the phone call I heard on the other end "You've only been gone XX days? It seems like a YEAR!!!!"
To me it just speaks badly of the compensation "ground rules", the bad middle management and the EXTREMELY secretive "good old girls network" that has a strong hold up there. It's rooted in the belief that if you don't know enough to do YOUR job, you need to hire someone below you who knows LESS. That will always make you look smarter. Unfortunately, sometimes these managers will hire someone who knows more, understands more, desires more and has a better grasp on how to manage people. Consider your career options limited if this ever gets out.
To those people still there - there are precious few managers you can trust. If you feel like you smell a rat, you probably do.
To those customers: Any industry any sales company is going to disapoint you sometimes. I personally tried VERY hard to please the customers at all times. I received countless awards for my ability to handle customer issues. However, I was not EVER recognized financially for my actions. If you worked somewhere and were monitored constantly, lied to by management and told that the amount of time you spent on the phone mattered MORE than whether or not the issue was resolved - well - would you lose your desire to go above and beyond pretty quickly? I feel that the upper upper management and a few select employees DO care very much about you and your mortgage. Office politics, however, can sometimes screw up even the best of intentions. Good luck with your mortgage. Always know that you have the right to escalate ANYTHING to a manager/Team Leader. If THEY want to move ahead, they will make the necessary adjustments to address your concerns.
Left: January 20, 2006 By: roy In: tampa
Notice: Must Read
Sweat Shop Employees www.gdblegal.com
Appraisal Overcharges www.sherlocklegal.com
Wrong Doings www.jameshoyer.com
www.ripoffreport.com
file your complaint
Left: January 19, 2006 By: T In: Houston
2 months after Countrywide Home Loan bought my mortgage, they kept sending letters saying that I did not have homeowner insurance for my house and threatening me that they will buy insurance for my house at MY OWN EXPENSE. I had to spend time to write them letter that they are VERY NEGLECT, since I bought the homeowner insurance way before we closed the house. I had to tell them not to buy anything FROM MY ESCROW MONEY WITHOUT MY AUTHORIZATION. Besides, it took them several months to correct their statements to show the correct tax entities and insurance information for my house. Then I mailed them 2 tax statements for them to pay on my behalf from the escrow account, they paid only 1 tax bill right away and paid the other one 2 weeks after that. I don't know what kind of company and people in charge overthere.
Left: January 15, 2006 By: In:
Countrywide is not the employer of Choice. Stay Away!
.
Left: January 13, 2006 By: In:
Blue Cheese T-Bone with Sweet Onions
4 (1- 1 14/ lb.) T-bone steaks, 1-1 1/4 inches thick
1/2 t. kosher or other coarse salt
Sweet Onion Topping:
2 large sweet onions, such as Vidalia, Maui, Texas 1015 or Walla Walla
1/4 C. unsalted butter
2 T. vegetable oil
3 T. dry red wine
1/2 t. kosher or other coarse salt
3 oz. blue cheese, crumbled, at room temperature
Sprinkle steaks lightly with salt, cover, and let stand at room temperature about 30 minutes.
Slice onions in half from end to end. Slice each half into 3/4-inch to 1-inch wedges, cutting through the root ends so that the wedges hold together. Melt butter with oil in heavy skillet over medium-low heat. Add onions to skillet and gently turn them over in the butter to coat all sides. Cover skillet and cook 12-15 minutes until crisp-tender, with some brown edges. Uncover and add wine and salt. Raise heat to medium-high and continue cooking until onions color lightly and excess liquid evaporates, frequently scraping up any browned bits from bottom of pan. Keep onions warm.
Prepare grill for a two-level fire capable of cooking first on high heat (1-2 seconds with the hand test) and then on medium heat (4-5 seconds with the hand test). Keeping the more tender sections of the steaks angled away from the hottest part of the fire, grill steaks uncovered over high heat 2 1/2-3 minutes per side. Move steaks to medium heat, turning them again, and continue grilling 2 1/2-3 minutes per side for medium-rare doneness. Steaks should be turned a minimum of three times, more often if juice begins to form on surface. If grilling uncovered, sear both sides of meat first on high heat, uncovered, 2 1/2-3 minutes; finish cooking with cover on over medium heat, 5-6 minutes, turning steaks once midway.
Transfer steaks to plates, scatter blue cheese over each, top with warm onions, and serve hot.
--------------------------------------------------------------------------------
Left: September 02, 2005 By: In:
T-Bone and Sage Mushroom Sauce
1 2 lb. T-Bone steak, about 2 inches thick
2 T. olive oil
1 t. dried rosemary
1 T. cracked fresh black pepper
1 t. sea salt
Rub the steak with the olive oil. Rub in the spices and set aside for 30 minutes.
Preheat grill to high.
Sauce:
1/2 oz. dried mushrooms, any variety
1 1/2 C. boiling water
Soak the mushrooms for 20 - 30 minutes.
2 T. olive oil
2 T. fresh chopped sage
2 shallots chopped
4 oz. fresh shitake mushrooms
4 oz. button mushrooms
1/2 t. salt
1/2 C. heavy cream
1 T. sherry
2 T. fresh chopped parsley
Drain the mushrooms, reserving the liquid. Set the liquid aside. Squeeze mushrooms gently to remove excess water.
Heat the oil in a skillet over medium high heat. Add the shallots and cook for 30 seconds. Add the sage and and all of the mushrooms. Cook about 2 minutes and then add the reserved liquid. Cover and cook for 4 minutes.
Add the cream, salt and pepper. Simmer the sauce until it begins to thicken. Stir in the parsley and serve.
When you begin to make the sauce, throw the steaks on the grill and cook for about 8 minutes on each side for medium rare.
Serve the sauce on the side.
Serves 2 - 3.
Left: January 10, 2006 By: In:
keith - i've worked at both wells ( 9years) and chl ( 5 years). stay at wells.
Left: January 04, 2006 By: Dont be a fool In: Richardson
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: Ass kisser In: Tex
Yes it is if you crave drugs.
Left: January 03, 2006 By: Keith In: Dallas
I work for Wells Fargo and Country Wide keps recruiting me...seems like a good company to me...
Left: December 29, 2005 By: In:
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 23, 2005 By: In:
No wonder you're always broke and living paycheck to paycheck.
Left: December 22, 2005 By: In:
But we love our drugs here at Countrywide.
Left: December 19, 2005 By: In:
Every VP & supervisor should have to submit to a drug test immediately. Start at the top.
Left: December 18, 2005 By: In: TEXAS
They do not require drug tests (they might say they do to weed out the user's) but they dont.
Nor, do they do random drug tests, unless you do something goofy on the job that is going to cost them a ton, then...................they'll test you.
Left: December 18, 2005 By: T In: McKinney, Texas
Instead of name calling and being childish (which if any of you DO have actual mortgage's)
do us all a favor, and just name the facts.
What happend, when it happend, why you think it happend.
This website, if anything is an accurate portrayal of "behind the scene's info" that most consumers dont have. Image if there was a website for each company. hmmmmmmmmmmmmmmmmmm.
Anyway, cut the name calling and stick to the facts :
who, what ,when, where and how/why?
PS- You cant SUE this guy, espicially if what he said about his story is TRUE, AND the people that are reporting on here, if there info is true. Funny, I read more negative things about this company than I do positive. So, in my state of mind, it lead's me to do business elsewhere!
Left: December 18, 2005 By: Jack F. In: Dallas, TX
Countrywide is a great company and I have nothing bad to say about them. In fact, I challenge another lender to duplicate the high level of service I received from Countrywide. Whoever developed this website is a complete moron.
Left: December 18, 2005 By: Chris Greenwell In: Texas
I have had NO problems with Country Wide whatsoever. The Countrywide agent that helped me was perfect, my loan closed on time and I got a GREAT deal from them. Nobody's perfect and certainly, I'm sure Countrywide has made some mistakes... but I wouldn't trade my experience with Countrywide for any other broker. Their website is great and I am VERY happy with Countrywide!
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 13, 2005 By: In:
sue - good
Left: December 11, 2005 By: SUE In: RICHARDSON
MY HUSBAND AND I HAVE BEEN RESEARCHING HOME LOAN COMPANIES, AND COUNTRYWIDE WAS OUR NUMBER 1 CHOICE. IN THE BUSINESS SECTION OF THE NEWSPAPER AND IN MAGAZINES ARTICLES, THEY ARE ALWAYS RATED AS A TOP COMPANY. BUT SINCE WE HAVE READ HOW MANY PROBLEMS PEOPLE HAVE HAD WITH THEM, WE HAVE MARKED THEM OFF OUR LIST. I WOULD THINK THE COMPANY WOULD WANT TO DO SOMETHING ABOUT A WEBSITE LIKE THIS THAT HAS TO BE COSTING THEM CUSTOMERS.
Left: December 09, 2005 By: ed In: salt lake
it is obvious that kris is clueless when she says "CHL has 60% of the market". dear naive one, try reading a professional magazine such as mortgage bankers magazine, mortgage originator, etc. and you will see that chl has less then 10% market share. even your own comapny's propaganda magazine states that CHL's goal is to capture 15% within the next 5 years. your comments are useless and meaningless when it shows that you have ZERO knowledge of the mortgage banking business. wake up!
Left: December 09, 2005 By: Kris In: Las Vegas
I fell in to this web site by accident and I am shocked at how mean some you can be. I work for CW in Las Vegas, and I am moving back to Texas next month. I guess ya'll have no room for error when doing business with human beings. I work as a processor for a CW Joint Venture w/KB homes and I admit that we make mistakes. You have to be patient with us, just like we have to patient with you, our buyer, and your problems. I understand that situations arise, but instead of getting angry and beating up an entire company, try working with your Loan Counselor, or processor and correcting the error. Countrywide is a good solid Corporation. They wouldn't be as big as they are with 60% of the market, if they were out screwing people out of their money. I would bet for those of you that had problems that your issues have since been resolved, and most likely haven't had any problems since.
Left: December 03, 2005 By: In:
Current Customers should call customer Service and tell them you want NO CONTACT 1-800-669-6607
That means:
*No emails
*No Phone Solicitations
*No Junk Mail
Get customer service reps name and employee ID# and make a note of it.
Countrywide gets around the do not call list because of a loop hole that allows them to call their current customers. Why do you think they buy so many mortgages? So they can call you and sell stuff to you is one reason.
Left: December 02, 2005 By: In:
phillip...get a full survey to support your arguement...then hit 'em where it hurts.
Left: December 01, 2005 By: Phillip Crews In: Texarkana
Countrywide bought my original loan from Bank One about six months ago. They recently sent me a letter stating that I was in flood Zone A or V of the FEMA map. I obtained a copy of the FEMA map and reaffirmed that I was in zone X not A or V. Thjey are charging me $803.00 for flood insurance even though the county flood plain administrator has sent them an official document which states I am not in the floodplain. I will be initiating a lawsuit against these weasels shortly. I wonder how many people have rolled over and been cheated out of their hard earnrd money by these lying, cheating weasels.
Left: November 24, 2005 By: In:
complain to the office of the president (oop). i do not have the number so you will need to phone countrywide corporate to get the number. onthe first levels of phone calls they will do everything in their power to not give you the the oop's number.....but push on until you get. when you do get the phone number of the oop have your facts/names/dates together. be precise and do not get emotional with " he says, she says". i guarantee you WILL get results very quickly. good luck.
Left: November 19, 2005 By: Tanya In: Houston
I have a loan with Countrywide. Even with my excellent credit, the process was very aggravating. When I went to closing, the interest rate that I was given over the phone was not the same on my paperwork. Then, I found out that my closing cost was supposed to be much cheaper than it was and i was promised a refund of my appraisal fee which I never received. Also, they prmosed me a check for a certain amount if I were to close with them because I was threatening to go somewhere else. I closed with them because I had gone through so much and i didn't want to go through the loan process again. I just wanted it to be over with. I never received that check after i closed. They lied to me over and over and over again.
Left: November 19, 2005 By: In:
"top producer" at chl....boy that means alot. you an idiot...get your head out of the sand, faggot.
Left: November 11, 2005 By: TOP PRODUCER In:
Because I'm not that bright. I'm a bit slow if you get what I mean.
Left: November 08, 2005 By: In: Kennedale
Hey "Top Producer", if you are SO convinced that CWL is a great company then why didn't you disclose your name, title, etc.??
Big freakin' deal if you use the titel "Top Producer" for this company. Can you still sleep at night knowing how many people you/they have screwed over?
Left: November 04, 2005 By: In:
Hey "Top Producer"_
How are the drugs at CW these days?? Good?
God won't bless COMMIES like you anyway...so move on and keep on surfing your gay porn!! You are pitiful!!
Left: November 03, 2005 By: TOP PRODUCER In:
I'VE NEVER READ SUCH BS, AS I'VE READ JUST NOW! I HAVE A FEELING MOST OF YOU BABIES WHO GOT FIRED BECAUSE YOU WERE DOING FRAUD OR THOSE WHO THINK GOT THE SHORT END OF THE STICK PROBABLY HAVE 500 FICO SCORES, BECAUSE ONLY UNGRATEFUL BRATS COMPLAIN. CHL IS AMERICAS' #1 RESIDENTIAL MORTGAGE BANK IN THE WORLD! NO OTHER BANK CAN COMPETE. OUR RATES, OUTSTANDING CUSTOMER SERVICE, AND UNDERSTANDING OF THE MORTGAGE INDUSTRY WILL ALLOW US TO DOMINATE FOR YEARS TO COME. 1 OUT OF EVERY 3 PEOPLE HAVE A CHL, GO ASK YOUR NEIGHBOR HOW HAPPY HE/SHE IS WITH US. I DARE YOU!
THIS GOES TO ALL THE STUPID PEOPLE ON HERE: WHAT MORTGAGE BANK DO YOU KNOW THAT SPLIT 3 TIMES IN ONE YEAR AND HAD A ROR OF 90%?? ANYONE? YOU THINK WAMU, CHASE, WELLS, HAD A ROR OF OVER 90% IN ONE YEAR?? NO! THEY DIDN'T! BUT COUNTRYWIDE HOME LOANS DID. I SEE WHY THE AUTHOR OF THIS WEBSITE CREATED THIS WEBSITE; TO MISINFORM POTENTIAL CUSTOMERS FROM DOING BUSINESS WITH US. WHY IS IT THAT THIS WEBSITE ONLY HAS NEGATIVE POSTS?? NOTHING BUT A BUNCH OF BIAS KIDS. I'M GOING TO BE CHECKING IN A WEEK TO SEE IF THIS POST WAS POSTED, IF NOT THEN I KNOW WHAT THE AUTHOR HAS IN MIND AND THAT IS TO WEAKEN COUNTRYWIDE HOME LOANS. HE/SHE WOULD HAVE TO KEEP THIS WEBSITE FOR 10,000 YEARS BEFORE ANYONE STARTS HAVING DOUBT IN THIS COMPANY. IF SOME OF YOU GOT FIRED FROM THIS COMPANY, I'M GLAD! WE DON'T WANT YOU ANYWAY. WE ONLY WANT THE BEST WORKING HERE, GO TO OUR COMPETITORS THEY'LL HIRE YOU/ AND WE'LL CONTINUE BEING #1 IN THE WORLD IN RESIDENTIAL HOME LOANS. TAKE CARE GOD BLESS!
PLEASE ASK ME ANY QUESTION. AND STOP COMPLAINING THAT YOU DON'T KNOW WHERE TO SEND YOUR PAYMENT, THAT COMMENT IS AS OLD AS DINOSAURS. CALL THE MORTGAGE CONSULTANT YOU DEALT WITH AND HE'll DIRECTED YOU IN THE RIGHT PATH. WE ARE HERE TO HELP YOU ALONG THE WAY, FROM YOUR FIRST CONTACT, TO THE CLOSING TABLE, AND YOUR PICNIC AT YOUR HOME WITH FRIENDS AND FAMILY! THANK YOU FOR YOUR BUSINESS! GOD BLESS! LIVE WITH PASSION!!!!!!
Left: November 02, 2005 By: Chad In: Frisco
Judy in Mesa: Are you that stupid to think that anyone or any company should have any sympathy for you because you went through a divorce? I hear it all the time....Guess what? I went through it too and my credit score is still 805. Don't give me that crap. I have had my loan through Countrywide for years and I have never had a problem. Chapter 11 or 7 isnot a cure all. YOU are responsible..not the renter!!
Left: November 01, 2005 By: Lisa Anderson In: North Richland Hills
I made an offer on a home (seller's loan was with Countrywide) My agent faxed the contract to the company and received an approval from one of the managers. One week before the closing was scheduled (movers were scheduled on both ends also), the closing manager at Countrywide decided that because it was an FHA loan they would just rather foreclose on the property than sell it. They didn't want to hassle with the little bit of extra paperwork it required for government assisted loans!! Instead they chose to lose a ton of money by foreclosing on the property and letting it sit on the market for who knows how long. Both the seller and I were shocked and scrambling to find living arrangements! That was my 5th home and I've never heard so many complaints and seen so much disorganization in one company!
Left: October 27, 2005 By: In:
Countrywide Managers suck. They are rude to their employees. Customers please forgive the employees if you could only see how they are treated. They are talked down to if even talked to at all. Countrywide managers are not even in the class of managers they are bullys. Read the articles on bully managers. Countrywide should spend a little more effort in training these idiots and they might have better employees and better customer service results.
Left: October 26, 2005 By: Noneya In: Dallas
Of course they do not drug test. You have to be or soon will be on drugs if you work for Country wides Full Spectrum. I know that if they did drug test more than 90% of the poor bastards that work there will be terminated. It is one the only major company's that do not drug test. To all you crack users, pot heads, meth junkies if you need a job to feed your habit Countrywide is the company for you.
Left: October 25, 2005 By: In:
CW does not drug test, and what's more they will hire someone with 2 felony drug pinches but not someone with a misdemenor assult conviction. For reference see George Nikolau, branch manager Countrywide's Full Spectrum Lending Division branch 894 in Rolling Meadows, Illinois (twice convicted for possesion with intent to distribute and cocain trafficking).
Left: October 21, 2005 By: In:
Yes you are right. I live in a small run down shack on the edge of town. Why do you ask? Your mamma likes it here. She comes every Wednesday. She likes it.
Left: October 13, 2005 By: Ashley In: Frisco
My mother is an asset 2 manager...which is a little more higher than an asset 1 manager...if ya didnt know...the only reason they treated you like that...well, if they even did is b/c you probably live in some backwoods part of town...in some white trash house...and you were probably an ass to some of them...
do you know what slander is? Hope you know you can get sued for slander...
but you probably don't care...
Left: October 12, 2005 By: In:
If I am on drugs will CW still hire me? Anyone? Do they have drug testing?
Left: October 09, 2005 By: C. Johnson In: Waco
I am soooo glad I found this website. My husband and I were thinking about refinancing our home and were considering Countrywide home loans. We WILL NOT be looking there for refinancing our home!!!
Left: October 08, 2005 By: In:
i transferred from plano to fort worth. that place is hell so I quit!!!!
I'd take a break in the employee smoking area, and oh my god!!!!! such horror stories you hear!!! employees looking like zombies. it was awful! Overworked and underpaid, harassed by borrowers and managers. such pitiful conditions!! they get balloons everyday, though. do they really honestly think we are still kids who can be consoled with balloons? what an insult to our intelligence!
ANGELO, WHERE ARE YOU? SAVE THE LITTLE PEOPLE WHO DON'T KISS YOUR ASS AND WORK HONESTLY FOR YOU.
Left: October 07, 2005 By: FREED SLAVE OF THE ASYLUM In: FORT WORTH
FSL N. Beach is an Asylum full of boys, not managers. They kiss their boss you know what, make up stories, destroy reputation, violate laws, strictly adhere to favoritism, make their own policies as they see fit at the moment, then change it back when they are done with it. Why do you think no one stays more than a year? Look at the whole Funding Dept, who hurriedly left for Plano? Only the true cuckoos survive there because they become one with them. The Philosophy is: Managers are always right; Processor's should eat before AE's when title companies bring food (A Violation!); AE'S are Always WRONG, WRONG WRONG. If you complain, you're NEGATIVE and Written Up. You go to HR, come back and you get fired but guess what? it's better than staying there swallowing their venom.
The leaders from top to bottom are all lackeys,
cuckle doodle doo boys shouting rah rahs even as they are so stressed themselves. Here's my good bye promise to all you insane automatons: I WILL CONTINUE TO EXPOSE YOU UNTIL AN AGENCY OF THE GOVT WILL COME TO CHECK THE COMPUTER TRAIL OF TRANSACTIONS AND SEE HOW YOU MANIPULATE AND HIDE THE VIOLATIONS! I PROMISE TO BRING DOUGHNUTS/FRESH FRUITS EVERY FRIDAY MORNING WHILE YOU'RE IN PRISON.
Left: October 07, 2005 By: THE SURFER In: ROSEMEAD
TO MS. HAPPY TO BE AN EX
I WORK FOR A DIFFERENT NSC AND MY MANAGERS FOLLOW ETHICS GUIDELINES.
IS IT TRUE, FROM RUMORS I'VE BEEN HEARING THAT YOUR CENTER IS INFESTED BY "BENEFICIAL/HOUSEHOLD FINANCE" MANAGERS, WHO GAVE KEY POSITIONS TO THEIR OWN PEOPLE, AND THAT THEY HAD BEEN CORRUPTING THE "COUNTRYWIDE WAYS"? YOU ARE JUST PROBABLY IN THE WRONG PLACE.
I ALSO HEARD THAT THE BIG GUY "A", WHO HIRED THEM IS NO LONGER WITH THE COMPANY? I HEARD HE WAS FIRED.
I WONDER IF MOZILO KNOWS ABOUT THAT.
YOU WANT TO COME OUT TO MY CALL CENTER?
FROM: SURFING IN CALIFORNIA
Left: October 07, 2005 By: happy to be an ex In: fort worth
I am a ex-employee of countrywide and I am telling all out there do not take a job or get a loan at the Sub-prime division of Countrywide. If you are 19 and stupid they will hire you. They do not do a drug test to hire you like most fortune 500 companies. That should tell you something. You will last 1 year and either you will quit or be fired. The system they use called Clues is clueless. This is their own sorry system that is still DOS based. They say that they underwrite using fannie mae and freddie mac guide lines, but what they don't tell you is that there own guidelines are added in. You wonder why they ask for so much documentation on a refinance even on a loan that they own already. Don't wonder they don't know either. I am a seasoned loan officer that made the mistake of going to that company. They do not like seasoned loan officers because we ask questions and question their ethics and compliance. Once you do that you are black listed and mysteriously your loans began not to close. They will cancel your loans and then give them to other AE's so that they can make the commission.You will be written up for anything they can think of. Once that happens you can forget it you will be fired in less than 30 days. That is the system. They don't care about customer service and the routinely backdate documents. They treat loan officers like second class citizens. They don't want professionals they want order takers. They are not Loan Officers they are order takers that cannot even send out their own goodfaith estimates. They will change your interest rate and fees without redisclosing to the customer.Many times the Loan officer is not aware of the changes until they get a call from a upset borrower. They will send loans to title companies that I think is giving them some sort of kick back because the title fees are so riduculous. And if you question it and try to get the customer to choose another less expensive title company you are repremanded and told that a loan officer cannot talk to title companies. That is the most crazy thing I have ever heard.
They hire managers who have no true mortgage background to manage. Because they want to teach them the "Countrywide way" of doing things.(Mostly Unethical) Those managers hire and promote their unethical friends. They can make sure that these type of people are successful by giving priority to their loans. I feel that they harass their customers by calling them everyday sometimes loan officers are leaving 5-10 messages a day to the same customer. They don't want to but they are constantly being scrutinized by management if they don't. Loan officers will have their leads taken away if they don't make the harassing calls. I have had customers to beg Countrywide to stop calling them everyday. If you are ethical and honest and follow the laws you will not last at Countrywide's Full Spectrum Division.
Left: October 07, 2005 By: ME In: UNDISCLOSED
TO ALL EX AND CURRENT EMPLOYEES
IF YOU HAD BEEN ADVISED BY YOUR PRIMARY CARE PHYSICIAN TO UNDERGO PSYCHOHEALTH EVALUATION, AND YOU ARE CURRENTLY TAKING "XANEX" AND BLOOD PRESSURE MEDICATION, JUST GET OUT!!!!!
TO ALL COUNTRYWIDE CUSTOMERS WHO FEEL VIOLATED, FORGIVE US! WE HAVE JOBS TO PROTECT. WE TRY VERY HARD TO HELP BUT THE SYSTEM FAILS US EVERY NOW AND THEN. A LOT OF EMPLOYEES GET FIRED HERE FOR DOING THE RIGHT THING!
I TRIED TO HELP A CUSTOMER GET OUT FOR FORECLOSURE. I ADVISED HER TO GO TO THE RIGHT CHANNELS SO WE WE CAN STALL THE FORECLOSURE AND GET HER LOAN APPROVED BEFORE THE FORECLOSURE IS RECORDED. EVERYDAY, THIS BORROWER CALLED ME; HYSTERICAL AND CRYING. NO ONE IN CUSTOMER SERVICE OR WORKOUT DEPARTMENT RETURNED HER CALLS. I ADVISED HER TO TAKE OFF FROM WORK, AND CALL ALL DAY LONG UNTIL SHE FINDS SOMEONE TO HELP HER. NOTHING. I GOT INVOLVED. I SENT E-MAIL AND MADE PHONE CALLS. IT TOOK THREE DAYS FOR SOMEONE TO RESPOND TO ME. I GOT THE BORROWER OUT OF FORECLOSURE. SHE CALLED ME "AN ANGEL SENT FROM HEAVEN".
I AM STILL CURRENTLY EMPLOYED WITH COUNTRYWIDE, AND QUESTIONING MYSELF WHY, AND HOW MUCH LONGER I CAN STAND THE EMOTIONAL TORTURE THEY SUBJECT THEIR EMPLOYEES TO.
I HOPE HUMAN RESOURCES AND ETHICS HOTLINE SEE THIS POSTING SO THEY CAN HELP PEOPLE LIKE US TO MAKE A DIFFERENCE. I TRIED THAT ROUTE TWICE ALREADY. GUESS WHAT I GOT? A 30-DAY PROBATIONARY PERIOD. I'LL MOVE ON BEFORE THEY WALK ME OUT OF THE BUILDING. AS AN EMPLOYEE "AT WILL" THEY CAN FIRE ME BECAUSE THEY HATE THE "BLUE DRESS" I'M WEARING.
Left: October 06, 2005 By: In:
Every large corporation is going to have associates who are sub-par. It's a nature of the beast. Ever try to deal with SBC? 90% of their employees are completely lost. How about Comcast or Time Warner? Same thing. God forbid you have to talk to a utility company. I think they train their CSR's to screw around with you. Does countrywide have problems? Of course they do. Can they train their people better? Of course they can. Remember this, you are dealing with sales people. They are paid based on sales performance. They get paid based on the size of the loan and how many they do. If you think they don't want to get your loan done you are way off base. They want to close 1000 loans a month if they can. The more you close the more you make. It's that simple. If they are having a problem closing your loan there is a reason. Countrywide has a loan program called fast and easy. Simply put, they only need to verify your job and the value of your home. That's it. Believe me, they (and every broker who uses countrywide) want to fit every consumer into this loan. It is just what it is called. Fast and Easy. I know this because I was a broker and used this program for every borrower I could. Simply because it allowed me to close more loans.
Left: September 29, 2005 By: In:
I reckon, I reckon you wouldnt mind tellin us all fellers who that there Roy is.
Left: September 29, 2005 By: In:
This site is hilarious. Thanks Roy.
Left: September 23, 2005 By: In:
comebackguy-
You are right. If there was a site for every major lender you would have the same amount of complaints. I do however from my experiences with CW know that there associate are at times poorly trained.
You know if you're afraid of your payment getting lost in the mail you could pay on-line.
Left: September 23, 2005 By: ComeBackKid In: Austin, TX
I recently initatiated a refinancing with Countrywide here in Texas. I have to tell you, after reading your website, I was shaking in my boots as I was fearful of getting ripped off by Countrywide. I was especially concerned about Countrywide playing games with me because I had what is known as a "Come Back Loan" ... which is for people with less than perfect credit. The idea is that they start you out on a loan at a rate that is a bit higher than someone with perfect credit would receive. Once you achieve 12 on time monthly payments, they reduce your rate by 3/8% and they do so every year for 4 years! The caveat is that if you miss even a single payment, you are totally screwed because then you have breached your contract and the deal is off and you are locked into a high interest rate. That being said, this is MY experience with Countrywide. It was AWESOME. My loan agent was incredibe, they delivered on everything they said they would. My loan closed on time and I have an interest rate that I can deal with. With respect to my fears of having payments lost in the mail and erroneously missing a payment and thus breaching my contract.... it won't happen because Countrywide has an online program where I can check my balances, make payments and even shop for other Countrywide products. By the way, the fees Countrywide charged me were appropriate for my credit score.... they are taking a risk with me and they deserve to get paid. Quite frankly, I am VERY HAPPY with Countrywide and I have a sneaky suspicion that the posters on this site aren't telling the whole story. There is NO reason to miss a mortgage payment and if you did and are whining about it on this site, take responsibility for your lack of financial planning and stop blaiming Countrywide!
Left: September 20, 2005 By: An observer In: Atlanta, GA
I don't know about all the name calling, etc. but one thing is certain. Something bad has happened to Countrywide in Atlanta and there won't be an end until it's destroyed. Someone hired people to run this part of the company that either have no interest in the company or just simply aren't qualified to run a company. There is no profit being made and everyone is unhappy -- customers and employees. Seems like a recipe for disaster. Sit back and watch it fall. Maybe a year, maybe not that long. They'll be gone, someone new will be along or they can close down Atlanta altogether. I don't think Atlanta would be missed by the rest of Countrywide.
Left: September 12, 2005 By: In:
Well here is your answer. Hope this helps.
Heat is produced in a nuclear reactor when neutrons strike Uranium atoms causing them to fission in a continuous chain reaction. Control elements, which are made of materials that absorb neutrons, are placed among the fuel assemblies. When the control elements, or control rods as they are often called, are pulled out of the core, more neutrons are available and the chain reaction speeds up, producing more heat. When they are inserted into the core, more neutrons are absorbed, and the chain reaction slows or stops, reducing the heat.
Most commercial nuclear reactors use ordinary water to remove the heat created by the fission process. These are called light water reactors. The water also serves to slow down, or "moderate" the neutrons. In this type of reactor, the chain reaction will not occur without the water to serve as a moderator. In the United States, two different light-water reactor designs are currently in use, the Pressurized Water Reactor (PWR) and the Boiling Water Reactor (BWR).
Left: September 08, 2005 By: Nunya Bizniss In: Houston
You are all pathetic. Lets all sit around and read stories that make each other feel better.............every story, even the doosh that created this site, are pointless. You were late on your payment and then got mad when they threatened you. As for everyone else, that is what happens when you take out a loan to finance a trailer. Get it together and stop wasting time on this homos site. Losers
Left: September 07, 2005 By: Jennifer Lisbony In: Houston TX
Location: Hwy 6 and Westheimer, Houston TX
This is an accounting of our situation, beginning the day before closing - Tues, Sept. 30 2005
Last Tuesday- We woke up early, and went to beltway and 288 to pick up the moving van, and came back to the apt. and loaded up some furniture. all that day, no one could give me a total of how much to bring to closing- my realtor instructed me to take out the cashiers check in anticipation of Wed morning ( closing at 9:30 am), and if it was not enough, the title company could accept a personal check for the difference.
So we leave to get the cashiers check from the bank. About 3:30 we get back again, and I recd an email from the loan processor saying they cannot do the loan because the house had been moved in the last 10 years. My realtor later informed me that specifically it had been moved around the property limits before coming to rest where it is now. My guess is that since it had been moved, they could not consider it a stationary home. We are pretty sure this is a Countrywide Home Loans rule, confirmed by the broker, Saad, after the fact.
Which really made me upset me because from the beginning, the rules, as explained to us were, the home had to be tied down, have the hitch removed, and be skirted. NO ONE ever mentioned to us about the house being moved requirement. If that was the case, we could have asked the seller about it, and overcome the situation on the 12th, or 19th, or at the very latest the 26th. NOT the day before closing.
Since I had already scheduled the utilities transfer, I had to call and get the transfers delayed. I was able to catch the phone co. in time, but the light company said it was too late, and we would lose service at the apt. on Thur/Friday, and the lights were going into our name at the new place on Thur. I called my realtor immediately so she could inform the seller of this information, and to cool it on the electricity use during the week. That got him mad, because the light company did this transfer without notifying him.
So- Wed morning, we wake up at 7:30 am, to unload the truck, return it back to the realty office ( I put $20 in that truck, and did not even get to use it) then we stopped by the bank to return the cashiers check.. that was really embarrassing, and I had to explain the situation as best as I could on that day.
Sunday morning- we woke up at about 11 am with no electricity. I was really pissed then. Thankfully we still had the phone service.
I knew what had happened, but was disappointed the lights were turned off completely. I called the apt complex, and they said they could not do anything about it. I called Reliant was told the soonest they could get our lights turned back on would be Thursday the 8th due to Monday being a holiday- and I explained to the guy that the lights went out that morning, Sunday, on a weekend- and if they can turn the lights OFF on a weekend, they should be able to turn them ON again, to no avail. And no help.
We are ok for the most part, everything is still packed up, still ready to go. The seller is willing to work through the situation with use, and is not putting the house back on the market.
Worse case scenario, we move into a new apartment with cheaper rent.
I am still really not sure how we went from closing on a home in a day’s time, to living in our apartment with no electricity.
Left: September 01, 2005 By: In:
I think so.
Left: August 31, 2005 By: In:
Alright then. But you do live in the US right?
Left: August 31, 2005 By: In:
I don't live in Texas.
Left: August 31, 2005 By: In:
You live in Texas and don't know who W is?
Left: August 31, 2005 By: In:
Who is "W"?
Left: August 30, 2005 By: In:
Probably a good idea to back off of ole' W.
Left: August 30, 2005 By: In:
Wow...this is getting good now!
Left: August 30, 2005 By: In:
Rump pals?
Left: August 24, 2005 By: In:
Bed Buddies?
Left: August 23, 2005 By: In:
Roland Arnaud and our prez are good buddies.
Left: August 23, 2005 By: Kate In: Austin
I think Ameriquest is run by a bunch of commies!
Left: August 23, 2005 By: In:
Yes, Ameriquest DOES suck! CHL has nothing on the most litigated mortgage company in the WORLD! I cringe when I see Ameriquest sponsoring professional sporting events and the Rolling Stones. It just goes to show you that money is all that matters in this country, hell, the world. Roland Arnaud, the owner of Ameriquest makes Angelo Mazilo look like a saint. And foreclosures, forget about it! Ameriquest leads the nation in forced sales and foreclosures as well as TRAINING their AE's to forge signatures and doctor income documents. Notice there isn't an "Ameriquest Mortgage Sucks" website? Every time someone starts one AMC sues to have it shut down. At least CHL lets people say what the want to say without crushing sites like this one.
Left: August 22, 2005 By: In:
AMERIQUEST SUCKS!!!
Left: August 22, 2005 By: In:
AMERIQUEST SUCKS!!!
Left: August 22, 2005 By: In:
AMERIQUEST SUCKS!!!
Left: August 22, 2005 By: In:
AMERIQUEST SUCKS!!!
Left: August 22, 2005 By: In:
AMERIQUEST SUCKS!!!
Left: August 22, 2005 By: In:
AMERIQUEST SUCKS!!!
Left: August 20, 2005 By: Confidential In: Dallas, TX
I have been a temp employee at Countrywide's Plano offices for about six months. I was assigned to be a "credit research specialist" in CHL's Landsafe Credit. At first I thought this was a pretty good job. But as time has gone by I wish I had not taken this position! Of the 20 new temps who started in Landsafe Credit when I did, only 4 of us are left. The rest either quit or got fired. Numbers, numbers, numbers - that is the name of the game in Landsafe Credit. I think employers have a right to expect certain production levels from employees. But at Countrywide/Landsafe, they seem to have little regard for anything else. There is little sense of integrity when it comes to whether the borrowers' credit files are updated correctly. It is frustrating enough to try to get updates on borrowers' accounts due to privacy regulations. We only are allowed a short period of time to update credit report information, contact the borrowers for conference calls, and complete files before the deadlines on them. Often borrowers cannot be reached during the desired time frame. Then they will call us back for conference calls after the file expiration time. These "post expiration" conference calls do not count in an employee's expected production totals - serving to set you back. The borrower has no understanding of what is going on and they often ask why we insist on completing the information in such a hurry. One gentleman told me on the phone recently that he and his wife were only shopping around for a mortgage. When they inquired with Countrywide - CHL suddenly started trying to push a loan through, wanting credit updates and ordering appraisals and such without their consent. This gentleman was quite dismayed. Credit verifiers in Landsafe credit are encourgaged (in so many words) to try to squeeze whatever information they can get out of creditors when the borrower is unavailable for conferencing. "When you call a creditor, maybe you'll get someone new who doesn't know they're not supposed to give out the information," they often tell us. Yet if a creditor requests information from us when we call them, we are not supposed to give it out. I personally consider this hypocrisy, and crediotrs sometimes point this out to us. What ever you do, you must not still be working on a file when it reaches expiration time. When that does happen, it is like an alarm goes off and management has a conniption, acting as though it is the end of the world. Then such a file goes into what they call the "exception rate", causing managment to panic if it rises above 1%. "Team, this week your carryover has significantly increased and therefore our exceptions are in danger of increasing," barked a head Landsafe official in a group email memo. "She (your team leader) has direct support from me to do whatever she needs to eliminate the above negative trend...I've also asked your team leader to send me the production numbers and if you are not producing at the minimum expectations, then expect to explain to me why that is not occurring." It came about that this team leader observed I am a hard and dedicated worker, and she told me so. She recommended me for full time employment. I went thru the application process. But too much time passed and I heard nothing more. Some of the full timers say the process should have been completed by now. I think I know the reason my hiring seems to have been put on hold - I'm not meeting their quotas well enough. I think employees who do achieve the numbers they desire cheat on verifying the information. I have strong reason to suspect this but cannot prove it. It is very easy to cheat using context clues in the information we are given to go by. There is simply such great pressure to push these files through. No wonder that due to the push for numbers, some employees have gotten fired for pretending to be the borrower when calling creditors. No, they should not have done that, but think how hard it is when you need to keep your job and you are under pressure. "We lost a major creditor because of this," a supervisor annouced awhile back in regard to someone pretending to be a borrower. I am a person of integrity. It is important to me that things are done correctly. I realize I must look for another job. I live in daily fear of being let go anyway because my supervisors are always telling me that I need to get my numbers up, and I have honestly tried to get them up but can't seem to do this. I am not saying everything CHL or Landsafe does is bad - I just can't deal with their lack of integrity, and I am tired of trying to pump information out of creditors who aren't supposed to give it out. This numbers thing seems to be all about enabling Landsafe bigshots to brag about how many credit files have been released. I am disturbed by the fact that a number of employees from the Rosemead office call center sued CHL in 2003 for being denied overtime. You can be sure they won't deny overtime now, but I see the same sort of philosophy that led to that event at work in Landsafe. Comments? E-mail me at badlandsafe@yahoo.com
Left: August 20, 2005 By: C. Haynes In: Plano Texas
I am a former Countrywide Manager at the Plano Central Processing location, which is Countrywide's second largest facilty. I only lasted 10 months and 12 days. I have over 19 years in the Mortgage industry, 12 of which has been in managment and was not prepared for what I found. I can not even begin to describe to you the injustices I witnessed and the illegal, immoral and vindictive directives that were given out by senior mangagement. We were carefully scripted on how to "document" any actions to avoid litigation. As managers we were told what to say and what to write when an investigation was underway. They were not intersted in finding winnning solutions for both the company and employees. I was told on more than one occasion that my problem was that I cared about the people. I witnessed racism, sexism and harrassment and also watched retaliation for reporting such acts. Any manager that survived to the two year mark became engrained in these practices. I have many good friends who over the years "did their time" at Countrywide. We liken it to a tour in Vietnam. Today I own my own recruiting company specializing in the mortgage industry. It is a common thought throughout the industry that if a person has worked for Coutrywide for longer than 2 years they do not have enough scrupils to be a productive, honest, self respecting employee.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES.
Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS
AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITD STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES.
Left: August 18, 2005 By: In:
I heard that. It's true, it's true!!
Left: August 15, 2005 By: In:
If you like blow and X you'll fit right in.
Left: August 15, 2005 By: KP In:
No can do mo fo. I have to stay clean until my interview is done at Countrywide. I hear there is alot of good stuff floating around there!
Left: August 15, 2005 By: In:
In that case....hook a brotha up!
Left: August 15, 2005 By: KP In:
I don't want to tackle the addiction. I like it.
Left: August 11, 2005 By: In:
KP, did you not get your daily methadone fix? Are you back on the horse again? Keep fighting, you'll tackle that heroine addiction yet.
Left: August 11, 2005 By: KP In:
No. I wasn't a stupid enough fucktard to get a loan with you 5th grade educated data entry schmucks!
Left: August 10, 2005 By: In:
Wow you're smart. You "forget" to pay your mortgage too?
Left: August 10, 2005 By: KP In:
HEY MORON, WHO THE HELL IS "JJ". YOUR OLD LOVER? YOU MUST WORK FOR CHL.
Left: August 08, 2005 By: In:
Wow. You really are just a jack ass JJ. Go finish jacking off to your kiddy porn you sick fuck.
Left: August 01, 2005 By: JJ In: USA
Sounds like Cathy Hardwick is only employed there because she fits in to CHL's rip-off scheme! She needs to visit someone like Dr.Kevorkian.
Left: July 31, 2005 By: In:
So what you are saying Kristin is that you are African American and your supervisor what a racist white lady who hated US servicemen? So when are you suing for descrimination? Sounds like maybe you were the lazy employee and you're making things up otherwise you would have made that an HR issue.
Left: July 29, 2005 By: You know who I am!! In: Plano
I was fired for all of the above.
Left: July 29, 2005 By: Kristin In: Plano
Let me start off by saying that I am not a customer of CHL, nor will I ever be. As of Monday I am an ex-employee. I worked in the SCRA Dept and helped the homeowners and their Power of Attorney's who are in the military. My team leader was Cathy Hardwick. She was a 65 yr old dumbass hired to take on a team of people who actually knew what we were doing, to come in and be constantly negative. She does not agree that our homeowners who are serving our country deserve to get a lowered interest rate (which by law the DO)... I believe that we owe them much more than that. In meetings she would refer to us as "you people" and she would jokingly refer to the homeowners as "slum lords who live in the ghetto" I would take offense to such insulting comments as these, therefore I was obviously on her shit list. I always took the time out to help people and I won very many awards from upper management for this type of outlook. However, when you are someone like Cathy who does nothing but constantly talk shit about everyone, you are more likely to single someone like me out. I would get awarded for going "above and beyond" but I would get written up for "overstepping my boundaries." If it wasn't for me, hundreds of homeowners would have really been out of luck because as many of you know, when you call your mortgage company it it extremely hard to find someone who not only actually cares, but also isn't lazy enough to discard your problem and actually follow through with finding the solution. If anyone here has any fear of being jacked around with the servicing end of the loan, please respond and I will still help you out the best I can.
Left: July 29, 2005 By: In:
So which was it, you got fired becaus you work out, have an opinion, wore a hoodie or are a jack-ass?
Left: July 29, 2005 By: in the office In: Plano
Yes, I agree, Leann Stout is a fat, smelly, pig!
Left: July 28, 2005 By: You know who exactly who I am!!! In: Plano
I was fired form cuntrywide for dress code. For a zip up hoodie in the winter. It was all because I worked for a BEEEOCH! Her name is Leann Stout she works in the Plano office. Just because I had a opinon I was fired. It is funny how they just fire any one just because they do not like them. You can even be a top producer. Leann if you ever read this or if someone relays this message to her. I HOPE THAT YOU GET AIDS! Not HIV but full blown AIDS. You have no respect for anyone. Just because you weight 500 lbs and look like a whale does not mean that you can hate someone. Just because they work out everyday and are in shape. I have never met someone as evil as your bitch ass.
Left: July 26, 2005 By: In:
I'm going to post this in every state listed here. YOU MUST TAKE RESPONSIBILITY FOR YOUR OWN ACTIONS AND DECISIONS!! I have recently left the lending industry. I can site many reasons for this, however the top reason has to be dealing with borrowers and potential borrowers who had no concept of financial responsibility. Just because you have a 700 credit score does not mean you demonstrate good use of credit or that you are guaranteed the rate or terms you want. In fact, many people who have the best credit scores carry the most debt. What you people do not understand is that the lending institutions want you to carry debt, so if you carry alot of debt and pay it on time your score will be higher than someone who pays their bills OFF every month and only carries a mortgage and a car loan/lease. If you fall on hard times, pay your damn mortgage and let the friggin' Visa's go delinquent. Visa isn't going to take your house, your mortgage company is. People jump to quickly to file BK. Guess what, ole' GW has made that next to impossible for the average American. You're better off making arrangements with your credit card companies and paying your mortgage off as quickly as possible. Use good judgement, not the "I want it now!" mentality. Buy a Trailblazer instead of the RangeRover or the Hummer or the Lincol or Caddy or whatever. How many of you people that post on here have kids? What kind of behavior do you think your actions teaches them? Anyone who would voice their opinion is more than welcome to email me at michael_harman1976@yahoo.com. I would be more than happy to help anyone who needs some good advice on how to get themselves into a good financial position. I am not selling anything, I'm a former CW employee who feels an obligation to help those who have been taken advantage of.
Michael
Left: July 25, 2005 By: Jerry Pea In: Grand Prairie
Our home was built through Ryland Homes, then our contract was bought by Countrywide Home Loans. Our first mortgage payment was said to be due to Countrywide on July 1,2005. I mailed this payment off in due time, and it was received and processed. But it was processed for June 2005. That's right! They send me a letter in the middle of July saying that I have not paid for June, and that my home will be lost if I do not pay.So i begin the odyssey of phone calls and faxes through the matrix that they call customer service. Finally on July 25, 2005, just six days before August 1, they call and say that they have a plan where i can pay them for there mistake.In 4 months i can pay 284.00 plus the late fees of 45 each month, that will settle any problems and not be reported to my credit in a negative manner.Well this is the problem, i'm paying for my wedding at the same time, no they don't care,why should they, they only make a billion dollars a year! Anyways for the next 30 years i have to deal with these assholes unless or course i hit the lotto, i'll walk up to the building piss on it, then throw them a cashiers' check for my balance/ along w/a middle finger! Thanks for letting me vent.To all of you who watch the commercials about how countrywide is america's leading lender, it's because they get you, that's it, they got you!
Left: July 13, 2005 By: Paul In: Fort Worth
DO NOT WORK FOR THIS COMPANY. DO NOT WORK FOR ANY PART OF THIS ORGANIZATION. THE SHARED SERVICES DEPARTMENT IN FORT WORTH IS AS UNETHICAL AND DISRESPECTFUL AS THEIR ORIGNATIONS AND LOAN SERVICES DEPARTMENT. IF THE HUMAN RESOURCES DEPARTMENT CAN NOT GET THEIR ACT TOGETHER WHAT MAKES YOU THINK ANY BRANCHES OF THIS COMPANY WOULD BE ANY BETTER. DID YOU KNOW THAT LATE FEES ALONE PAY THE PAYROLL FOR THE ENTIRE COMPANY. THAT IS ACTUALLY DISCLOSED IN TRAINING.
Left: July 12, 2005 By: Jerry L Doyle Sr In: Baytown Tx. (Houston Area)
I've been with CW since 1998. Once they lost my Pmt.They found it after two weeks.I had dropped it in their Pmt store. No late fees,but I was told it was my mistake. I'm thru the VA backed loan. This is the only time I've ever had a problem. Countrywide has been good for me.My loan is a 7% interest loan.I've not tried to lower the interest rate until now.Well GMACM took my loan and found a loan Co (Option One) in California to give me tho loan.After all the paper work I find out they want $3300 to drop my interest rate 1/5 percent for two years then it would be a variable rate. My savings for the 1/5 % is 900 dollars. my cost $3300. Please watch Option One via GMACM. The woman that set this up is no longer with GMACM. Thanx, Jerry Doyle Sr.
Left: July 11, 2005 By: D. Wright In: San antonio, TX (where DIRECTIONS Mortgage and COUNTRYWIDE SUCK!)
Beware of DIRECTIONS MORTGAGES IN SAN ANTONIO, TX.
Directions started me on my journey with Countrywide when I went over to the title company to sign papers to close on my house. I had a good faith estimate stating that I would have a 30 yr fixed rate mortgage. We were closing and trying to meet a deadline to not lose our deal on the house. When we arrived, the lady at the title company (with my realtor present)told me, "This isn't the same deal as your good faith est". We then got our Mortgage guy on the phone from directions (HIs name is Rene') who hemmmed and hawwed over the speaker phone knowing full well that he had us over a barrel. Begrudgingly we signed the deal planning to refinance later.
Whoops! My wife's business had a terrible year and I struggled to make payments with my income for 2 yrs. During that period, Countrywide bought the loan. I was going to be late on a payment, so I called CW. A customer service rep promised me that since I had called in to make payment arrangements, that It would not reflect negatively on my credit! Later when I tried to refinance, my credit had taken enough hits from other obligations and hard times that it was marginal. AND countrywide had reported me as being late on my house note for 4 consecutive months! I was not late more than 2 and I was "assured" that It would not hurt me because I had called ahead. Now I am really struggling with CW and have CW and DIRECTIONS MORTGAGE to thank!
Left: July 10, 2005 By: Larry In: Corpus Christi
Oh and by the way we got a 30 year fixed VA home loan at %5.25 with a 1/2 point no money down and seller paid closing costs.
Left: July 10, 2005 By: Larry In: Corpus Christi
That is funny I am certainly very happy with Countrywide Home Mortgage. In fact my wife and I got a loan on our very first home through them and could not be more happy. They were able to close quickly work around our needs and get the intrest rate exactly what I had wanted. I worked with many home lenders trying to work the intrest rate down to my liking, good faithe estimate after another Contrywide I had no problems they matched my lowest lender and kept payments and closing cost right on target. Sounds to me like some one fell a little behind and rather then communicating felt it was some one elses problem and point the finger at others. Further more it is your job to read everything in getting a home loan lots of paper work is involved yet dont get lazy with it READ EVERYTHING BEFORE you sign. I read it then my wife read it after I and we asked lost of questions DO NOT leave any question unaswered and do not be afraid to ask its your money I would much rather feel dumb in the office for asking a very obvious question then then feel dumb and complain about it later. Sorry about you luck but don't blast the loan company for your short falls maybe had you been more resposible. ONE HAPPY COUNTRYWIDE CUSTOMER!
Left: July 08, 2005 By: undisclosed In: Dallas
I'm happy to say that I didn't last a year at Countrywide. I realized how they treat their employees within the first day. I was at a point in my life where I just needed to find a job, any job and I began working there as a temp - I was told that I'd be hired full time very soon, as long as I was a productive employee. I was also told that after I was hired I'd receive an increase in pay. As a temp I received a very low hourly rate of pay, and was not paid for holidays like Thanksgiving which I had to take off. I was pressured to work long hours and weekends, received very little or no training, and was told that I'd be hired very soon. I was eventually hired perm and fortunately soon after I found something much better.
The problem with CW is that they will hire ANYONE to work there. Most companies administer personality tests and/or literacy tests upon the initial interview process but CW just wants warm bodies that will ask for very little pay. The phrase I heard most while working there was "It's not what you know, it's WHO you know". That is not a just or effective way to operate a business.
CW loves to claim to be a great employer and a wonderful environment to work in, but this couldn't be any further from the truth.
I want to commend the creator of this site - and I would continue to remain anonomous if I were you. Working at CW makes me appreciate my current employer all the more. I no longer come home confused, upset or crying because I hate my job. I now earn the salary I deserve, have benefits and time off - am not forced to work excessive overtime and am please with the work and service my company provides to it's customers. I will never have a home loan with Countrywide - I know the kind of training programs they have and the low-life morons they hire to work at their establishment - and that does not interest me.
I actually dreamed of turning in my 2 week notice - and felt like my life was saved when it became a reality.
Left: June 27, 2005 By: C Behm In: Houston
RBC Mortgage directors confirmed that Countrywide was approving loans for people from terrorist familes and that cash gifts from the middle east were used in opening up these loans. There were many other bad things they said about Countrywide (one of the underwriters worked for Countrywide for many years) and their illegal practices of accepting untraceable monies. I went through RBC Mortgage (they suck too) - they locked in my rate and then told me a week later that it was more than what they had said previously. Right before the closing they sprung some more hidden fees on me and lied about a couple other things. A month later guess who buys the loan from RBC... Countrywide. So, they said they do not do business with Countrywide because they don't want to be implicated in illegal transactions and then they go and sell the accounts to them.
I can't wait to deal with these jokers.
Left: June 26, 2005 By: David In: San Antonio
When dealing with any lender, especially Countrywide (I don't know why anyone would after viewing this website) have them abide by this rule:
Have them issue you a pre-approval IN WRITING that states:
1. You have been approved for a certain loan amount and that amount will not change
2. Your interest rate will not change
3. All that is left to do is have underwriting VERIFY the information you supplied on your application
4. Whether or not you will be subject to a prepayment penalty
If your lender (especially Countrywide or Full Spectrum Lending) won't do this for you... walk away and stay away from them.
Also, if you are dealing with another lender, make sure they PUT IT IN WRITING that your loan is not to be sold to or serviced by Countrywide for the life of the loan. Period.
Left: June 25, 2005 By: DB In: Texas
I'm going to spend a few bucks to purchase a share of Countrywide stock. After I complete that, I'll not just be a customer... I'll also be part owner of the company.
Why is that important? Countrywide has "conference calls" every so often where shareholders are invited to participate and ask direct questions of the CEO and other executives. Heck, I'll spend $30 to $50 for the chance to ask some tough questions about their accounting practices, bad customer service, pending lawsuits, etc. in front of other investors.
I would encourage everyone else to do the same. Let's see how THAT goes!
Left: June 24, 2005 By: Andrew In: Plano
call:
Brian Hale
Managing Director
National Production
Chief Production Officer
972-608-6771 (Ofc)
972-608-1168 (Fax)
Brian_Hale@Countrywide.com (E-mail)
Tameca Centers - Administrative Assist.
Left: June 16, 2005 By: Lance In: Austin
Here's the bottom line on talking with ANYBODY from Countrywide on the phone: get everything in writing from them. EVERYTHING IN WRITING.
I know this sounds cynical, but there are too many people at Countrywide that give out too many conflicting answers and too much wrong information.
Getting a straight answer from the people at Countrywide is almost as bad as getting a straight answer from the IRS. And that's damn near impossible.
If you don't yet have a loan with Countrywide, AVOID THEM no matter what. If you are getting a loan from another company, good for you but remember this: WRITE INTO YOUR CONTRACT THAT YOUR LOAN IS NEVER TO BE SOLD TO OR SERVICED BY COUNTRYWIDE.
Left: June 14, 2005 By: In:
I work for Countrywides Registration Department, and I hate it, its awful, its a sweat-shop for sure!
Left: June 14, 2005 By: In:
I work for Countrywides Registration Department, and I hate it, its awful, its a sweat-shop for sure!
Left: June 14, 2005 By: pat In: USA
Please read some of the stories and an on going conversation with a CHL employee under the state of Massachusetts on this site. Wow, that "Ortize " guy is a true representation of a CHL associate!
Left: June 09, 2005 By: Dave Hensley In: Dallas
I've been in my current house 21 years, under the original 30 year mortgage. I've never been late on a payment. The mortgage has been sold 5 times and, aside from minor annoyances like not being able to accept e-payments, there has never been a problem...until CW bought the mortgage last year. I was out of town on a business trip, and checked my voicemail and had a couple of messages to call a "credit counseling service"--no other identification. Yep, it was the first month CW serviced the mortgage and they began the harassing calls on the 4th.
I don't like harassing phone calls, so I contacted the Texas Attorney General's office, and was a bit surprised to get a fast, personal response that explained the loophole in most fair credit collection legislation that excludes the creditor from most provisions of the act. Basically, consumers have no protection from a corporate bully, if the bully is the actual creditor.
I now pay CW electronically on the last date before past due. I used to pay my mortgage between the 1st and 5th of the month. I will continue to slow pay until CW stops harassing me.
Yo, Rob from Dallas who used to work in CW collections: How much does it cost CW's call center each time it answers the phone? Because for each automated call I get, they get a call and a replay of whatever message they sent me. I also periodically call and have a chat with a collections rep. They go through their "due and payable" script with me, and I go through my "no consequences to me unless paid late, so bite me" rebuttal. I do this politely, since these aren't the suits trying to be a hero by accelerating payments, although after reading your posting, Rob, I may have to rethink this.
Have a nice day, and remember to exclude Countrywide, its associates, subsidiaries, heirs and assigns from assuming any future mortgages you take out.
Left: June 06, 2005 By: Undisclosed In: Katy TX
When I orginally set up to obtain a home loan, I went to Countrywide first. They turned me down. Someone else gave me a loan. At some point, Countrywide bought my loan. The payment methodology was rockin, so I was happy. Then came time to refinance my loan. I spoke with Countrywide first. They were outrageous. So I got another lender and secured an astounding rate for 30 days. Over the next 6 weeks, I faxed, called, got phone numbers, wasted time and energy, practically screaming at my agent to make countrywide produce the "loan ownership document", forgot the name. They took so long in producing it that my agent said he couldnt keep my rate lock anymore, and of course the rate had gone up. Not much up, but at this point it had become a "thing" to me. I told my agent I would happily blow the deal if he even thought about touching my rate. Of course, he conceeded when I wouldnt budge, so that worked out. Countrywide didnt actually own my loan. Someone else did, and Countrywide was the caretaker. Only Countrywide would know this, and only after umteen concalls with big dogs did I finally get things done. I tried to get a loan stipulation that would prevent countrywide from buying my new loan, but they said they couldnt do that. Definitely didnt want to deal with their incompetence anymore. And guess what happened two weeks after close? Countrywide bought it again. I called them up and told them what I thought of them, their imcompetence, and their hypocritical purchases of my previously denied loans, but it all falls on deaf ears.
Left: June 06, 2005 By: Undisclosed In: Katy TX
When I orginally set up to obtain a home loan, I went to Countrywide first. They turned me down. Someone else gave me a loan. At some point, Countrywide bought my loan. The payment methodology was rockin, so I was happy. Then came time to refinance my loan. I spoke with Countrywide first. They were outrageous. So I got another lender and secured an astounding rate for 30 days. Over the next 6 weeks, I faxed, called, got phone numbers, wasted time and energy, practically screaming at my agent to make countrywide produce the "loan ownership document", forgot the name. They took so long in producing it that my agent said he couldnt keep my rate lock anymore, and of course the rate had gone up. Not much up, but at this point it had become a "thing" to me. I told my agent I would happily blow the deal if he even thought about touching my rate. Of course, he conceeded when I wouldnt budge, so that worked out. Countrywide didnt actually own my loan. Someone else did, and Countrywide was the caretaker. Only Countrywide would know this, and only after umteen concalls with big dogs did I finally get things done. I tried to get a loan stipulation that would prevent countrywide from buying my new loan, but they said they couldnt do that. Definitely didnt want to deal with their incompetence anymore. And guess what happened two weeks after close? Countrywide bought it again. I called them up and told them what I thought of them, their imcompetence, and their hypocritical purchases of my previously denied loans, but it all falls on deaf ears.
Left: June 06, 2005 By: red dog In: I feel like I'm reading 4th graders papers!
I agree. There are many misspellings. People don't have enough pride to even worry about it. That is very sad and shameful.
Left: June 05, 2005 By: regular joe In: Austin Texas
Sorry to hear about the misfortunes of others and hope my experience with CWHL will remain in good status. As well, (Seemz sum of yuo'z folx nead summ SpLL-ING Classez!)
Left: June 03, 2005 By: Gail in Texas In: Houston
This site confirms what I've known for a long time. I was a former employee (paid slave) of Countrywide. I'd heard it was a sweatshop, before I went over there..but I had no idea how horrible it would be.
I was a processor for CW. And the processor's job is made unbearable because
Countrywide does not train their loan officers. They send them out to originate loans with no more training than, "Here's you cell phone...there's your car... GO!" And as a processor, we were expected to hold these crap loans together. Once the Loan Officer got the loan started they would not return their calls and they would dissappear. Unfortunatly, then I would be the only person these angry people could reach. I had to sit and my desk all day and try to do my already overworked job while answering one irrate phone call after another. It was horrible. I use to come in at 7:00 and stay until 10:00 at night...six days a week and take home work on Sunday. I use to sit at my desk and cry.
At this point, I would get a job cleaning toilets or any other disgusting job you can think of before I would go back to that hell hole.
After finally having enough of the missery as a processor, I changed to being a loan officer for countrywifde... I thought, I'll be a good one and not put people through all this. The problem was that after about a year Countrywide's Reputation was starting to spread and no one wanted to do business with anyone from Countrywide so I left and went to a different lender.
That was a year and a half ago and I've felt like a bird out of a cage. Countrywide Is Horrible!!!!!
Left: June 03, 2005 By: Undisclosed In: Katy TX
When I orginally set up to obtain a home loan, I went to Countrywide first. They turned me down. Someone else gave me a loan. At some point, Countrywide bought my loan. The payment methodology was rockin, so I was happy. Then came time to refinance my loan. I spoke with Countrywide first. They were outrageous. So I got another lender and secured an astounding rate for 30 days. Over the next 6 weeks, I faxed, called, got phone numbers, wasted time and energy, practically screaming at my agent to make countrywide produce the "loan ownership document", forgot the name. They took so long in producing it that my agent said he couldnt keep my rate lock anymore, and of course the rate had gone up. Not much up, but at this point it had become a "thing" to me. I told my agent I would happily blow the deal if he even thought about touching my rate. Of course, he conceeded when I wouldnt budge, so that worked out. Countrywide didnt actually own my loan. Someone else did, and Countrywide was the caretaker. Only Countrywide would know this, and only after umteen concalls with big dogs did I finally get things done. I tried to get a loan stipulation that would prevent countrywide from buying my new loan, but they said they couldnt do that. Definitely didnt want to deal with their incompetence anymore. And guess what happened two weeks after close? Countrywide bought it again. I called them up and told them what I thought of them, their imcompetence, and their hypocritical purchases of my previously denied loans, but it all falls on deaf ears.
Left: May 29, 2005 By: Dan Dorrance In: Austin
At this point I will never do business with Countrywide again. The result of the letter below was a $250 gift card to a Home Supply Store. This took about a month of negotiations after the letter you see below. I was actually going to consider this a closed issue and learn never, ever, ever, believe anything I am told until it is in writing.... not even email. The reason I am now posting this is because they charged for doing our own escrow (about $300) we are now being told because we put 10% down, we can not do our own escrow. I asked for our $300 back, and so far heard nothing other than they will look into it. Before we closed, we got immediate same day response to any question we had..... So while there was some effort on Countrywide's part to correct a situation, the pattern is to low ball any charges/rates to get you in the door.... then at closing all the real charges show up. An example note even quoted in the letter below was the appraisal fee was originally $385 but at closing was charged $130 more because it was a duplex. Never was told that upfront, nor when we scheduled and paid for the appraisal... And guess what, the Appraisal company is associated with Countrywide. But here is the original issues......
Michael, and J.D.,
I know both of you worked very hard on our loan process and closing should
be a time of celebration. We felt and were led to believe we were in very
capabale hands with you handling the details.
Unfortunately, closing was no time for celebration. Instead, we are very
displeased and frustrated at the service Countrywide provided regarding our
mortgage process, or to be very specific, the 24 hours prior to closing and
the closing.
When we selected your firm we expected to receive the interest rate, term,
and discount points we had discussed and agreed to verbally when we met and
filled out our application.
At that time YOU HAD AGREED to 6.375%, 30 year, NO DISCOUNT POINTS. The
original application forms we filled out had wrong information as to the
rate and terms. We brought that to your attention and we did cross them out
and initialed.
We were told that was just to get the application process going and we
would have ALL that information at LEAST 24 hours before closing. When we
asked about getting copies of what we signed we were told that was not
necessary since all that information would be supplied PRIOR to Closing, at
least a day in advance. We had no reason to believe that was not going to
be the case.
We got the HUD statement late the night before closing and were shocked to
find $2700 of discount points. All of a sudden we go from $0 to $2700.
When I first called early the next morning I was told $1600 was because of
not doing escrow for taxes and insurance.
And the rest was buydown of the rate.
I said to remove the $1600 and we will escrow with Countrywide. However, that again was
incorrect information
JD then called to apologized and explain the $2700 issue.
We were told that 1% was a mistake on Countrywide's part since it was not
owner occupied. Yet we had mentioned at the time of application this was
an investment property.
Then because we were doing our own escrow that was an additional 3/8 %,
which was never mentioned initially. We did resolve that issue, but again
nothing ever stated up front concerning that fee.
Finally for some reason the system decided to buy down the rate. Again we
never asked for this, but again in the interest of time and closing we
accepted.
While I was not totally happy with the explaination, since we were so close
to closing, and I understand an honest mistake can happen, we accepted the
explaination and the fact that JD was willing to remove the processing fee
of $535. At this point we were satisfied, and figured the closing will
now be a formality and everything was taken care of.
So when we get into the closing we see FOR THE FIRST TIME a 15 year term,
at a rate no better than the original 30 year term we were quoted initially
when the discount points are taken into account. Otherwise it was exactly
the same as the 30 year rate. This placed us in the dilemma of needing to
close or risk losing the opportunity to buy the property. So when we
complained the best you came back with on a 30 year loan was 7.125% with
0.625 points discount, or the 6.125 with 3 additional Points! How would
you like to be surprised at the last minute with either $4300 additional at
closing, or an extra $300 a month in payments??? What happened to the
original 6.375% 30 year rate we are had agreed to when the application was
filled???
So, despite the fact that you put significant time and effort, there were
too many oversights, most notablibly the rate and terms, and not furnishing
us that information 24 hours in advance as we were promised and as the law
required.
While we were all upset and frustrated at the closing, we are giving
Countrywide an opportunity to resolve this matter to our satisfaction
A notation on one of the emails we received stated:
"The highest compliment my clients can give me is an introduction of their
family, friends and business associates. This leaves me free to invest
100% of my time to deliver first-class service to my valued clients. I am
interested in building strong, lifelong relationships...one person at a
time."
We are being more than fair and understanding by asking the original
agreement be honored as follows.
We had a 30 year 6.375% rate with No Discount Points. We paid the discount
to lower the rate to 6.125%. Give us the 30 year mortgage at that rate.
That still puts us out about $1600 from the original agreement, but we will
accept that as a fair compromise.
This action would tell us that Countrywide does care about their clients
and this was just a series of inadvertant mistakes and oversights when
trying to do things too quickly.
We network with hundreds of potential home buyers who in turn network with
thousands, especially in the high tech industry. Also Susan works in the
RRISD where many teachers and administrators are potential clients. We
would like to be able to recommend Countrywide.
I look forward to hearing from you.
Left: May 27, 2005 By: Heather In: Keller
I just stumbled across this page by accident. I am looking to refinance my home and my current lender is Countrywide. I have recently changed my billing from auto debit to mailing a check every month. My house payment was $1298 a month until April 1 of this year, when Countrywide debited $1789 from my account. I noticed this when downloading transactions to my checking account. I assumed they had incorrectly debited my account. I looked back at my last statement from February and on the back of the last page it stated that my new payment would be $1789.91 starting in April. They had posted a notice stating "We regret to inform you we had a system failure resulting in an inability to generate an Annual Escrow Account Statement, with the results of the Annual Escrow Analysis performed on October 25, 2004. To rectify this system failure, we have performed a new escrow analysis. Your Annual Escrow Account Statement is now enclosed for your review and comparison. We apologize for any inconvenience this may have caused." I don't kmow how many people can afford a $491.91 house payment increase, but we cannot. It turns out that our escrow payment has been wrong for over a year. We are now making up for the incorrect amount from last year, the beginning of this year, and the monthly increase for the remainder of this year. We are now trying to refinance. We have bounced several checks over the past 2 months due to not knowing about the house payment increase and already sending payments to other creditors. We have been messed up by Coutnrywide and now knowing there are others who have had problems, we will not be requesting a quote from Countrywide. Thanks for letting me tell my story.
Left: May 25, 2005 By: Cecil In: Houston, TX
This is incredible. We just finished a loan application with Countrywide and while doing some research, I stumbled onto this website. At first I thought it was bogus but then I asked a couple of local real estate agents about it. To my amazement 3 out of 3 agents told me to avoid Countrywide like the plague.
It looks like this company has gotten out of control with their trick bait and switch loan practices. We are going BACK to the Countrywide branch tomorrow and tearing up our paperwork. I don't care how good their rate is, I ain't going through years of hell for nothing period. Good bye Countrywide and you just lost a $240,000 loan.
Left: May 20, 2005 By: JAMES In: ANTARTICA
IF YOU WANT TO CONTACT THE CEO HIS NAME IS ANGELO MOZILO AND HIS EMAIL IS ANGELO_MOZILLO@COUNTRYWIDE.COM, AND YOU CAN ALSO CONTACT STEVE_BAILEY@COUNTRYWIDE.COM,MATT_SKOGLUND@COUNTRYWIDE.COM. ALL OF THESE PEOPLE NEED TO BE CONTACTED IF YOU HAVE ANY ISSUES WITH THAT HORRIBLE PLACE!!!
Left: May 19, 2005 By: I left CHL at the right time................. In: Dallas
Recently over 50 customer service reps and supervisors left and went to ONE company. What was the one company's secret? Paying people what they're worth. Countrywide makes it mandatory that you cross sell refi's, HELOC's, etc. However when it's time for you to get your bonus there is a grocery list of stats that you have to meet to be eligible for that bonus. What are some of the stats? One of them is repeats. If a customer calls back once within 30 days of the time you spoke to them, that counts against you getting your "bonus." I don't know about you, but when Countrywide has ALREADY made their money off of YOUR selling the product, it's quite shady and unethical to dream up multiple useless stats to take someone's bonus away. Because Bob Smith called in 2 times in one month, does that mean that the refinance I sold to John Doe is void? Of course not, Countrywide has already made their fortune off of John Doe. In this world you reap what you sow, and Countrywide is starting to reap what they have sown against their customers AND their employees.
Left: May 16, 2005 By: Another Unhappy CWHL customer In: Texas
I currently have two mortgages with CWHL. An 80/20. My husband and I fell behind on payments due to a layoff. I recived the Breach letters giving us 30 day to pay 1500.00. We paid the amount. Thinking everything was fine, we recieved letters from CWHL lawyers stating our home would be foreclosed. The letter stated we did not make the required payments. I called CHWL and the payment I had made was posted to my second mortgage account. I took three weeks and daily calls to get this resolved.The payment was applied to the correct account.
During this we filed for chapter 7 bankrupty. The bankruptcy lawyer filed a motion to stay, so it would stop the foreclosure. After the payment was reapplied I contacted CWHL to set up a repayment plan April 7,2005. We recived a letter from CWHL stating the agreement via phone and the payment schedule. About three weeks later my lawyers recived a letter stating the motion to stay was being lifted and forecolsure was in the process. The lawyers contacted CWHL and told them we had a repayment plan, the CWHL rep said it was cancelled because we filed for bankruptcy.
She told my lawyer that the repayment agreement stated "IN BIG BRIGHT BOLD RED LETTERS" that if bankruptcy is filed the repayment plan is cancelled.
My laywer asked me to bring the letter to him. So my husband took it to his office, and he read the letter. It did not and does not say if bankruptcy is filed the repayment plan is cancelled.
So now my lawyer is having to go after them!!!
Left: May 04, 2005 By: David In: Texas
An update on our "dealings" with Countrywide: the two company officers I've been communicating with have been told by their in-house attorney to "clam up" and not say anything else. Their lawyer has taken over and has begun writing the usual legal-jargon letters, only problem is their full of contradictory statements. They're circling their wagons at Countrywide... even their CEO has started to stumble of his previous words!
This is getting interesting, indeed.
Left: April 29, 2005 By: Robert In: Dallas, TX
Teresa, congratulations on avoiding Countrywide Home Loans. You've done yourself a favor. Just keep spreading the word to others, too.
Mortgage companies report our histories to credit bureaus, but there's no "bureau" to hold THEM accountable. We have to keep up these public forums and keep getting the message out as often as possible.
Good luck with your home loan, and remember, have a "NO COUNTRYWIDE SELL/SERVICE" clause written in your mortgage contract. Otherwise, Countrywide will be able to purchase your loan from your lender and you'll be stuck with them!
Left: April 27, 2005 By: Teresa In: Beaumont
Thank you so much for this website! My husband and I were looking to use Countrywide in buying a home we are looking at. Luckily, we found this site first! We're also alerting our Real Estate agent about this company, sicne she is who told us about Countrywide. She already is planning on tossing out all the cards she has for them.
Oh and as for those that came on the site to flame people for "not paying".... open your eyes and read. At least 90% of the people have stated that they are paying but Countrywide isn't documenting the payment. And also be aware that these people have receipts and canceled checks proving they paid!!!
Left: April 26, 2005 By: David In: San Antonio
Just an FYI: I don't consider the BBB (Better Business Bureau) a reliable source when checking out any company, but I did find something interesting about Countrywide and Full Spectrum Lending in the Houston area (where I loan was originated from)...
There are a total of SIX listings on the BBB website for Countrywide and Full Spectrum Lending branches in Houston, and ALL SIX have an UNSATISFACTORY rating by the BBB.
All six branch listings.
Left: April 25, 2005 By: David In: San Antonio
I promised to update this website on Countrywide's attempt to correct their origination mistakes, and here goes:
After speaking directly with the CEO and a Vice-President and hearing them both say Countrywide would "make it right"... both people failed to do so. These two gentlemen (CEO Mozillo and VP Adams) both asked for written proof of their mistake and after they received it, they backtracked and made a half-assed offer.
Folks, run... don't walk... away from Countrywide Home Loans. Don't close with them. Don't allow your loan to be serviced by them. Don't allow your loan to be sold to them. Stay the hell away from these hot-air bait-n-switch con artists.
I have never sued anybody. Ever. Until now. And I've got news for the boneheads at Countrywide: I'm right, and I'm in it to win it. Period.
Left: April 23, 2005 By: JSCCAMKaufman In: Kaufman
We refinanced our home of 13 years Aug. '03 with New Century Mortgage (NCM). NCM assured us they serviced all their loans. The ink did not have time to dry before they sold the note to Country Wide (CW)- the same month.
Dec. '03 CW failed to add a late fee to a check so they voided the check and reentered it - failed to post date it and sent it to the bank.
As a result of their internal error, we had over $2,000 in NSF's fees deducted from our checking account in 6 weeks (to to include the legal fees). After several months of frustration and fighting with CW on the NSF fees, we filed a formal complaint with the BBB. Only then, the President of CW became involved and sent us a check for $150. They felt they were not accountable for the remainder although I had a letter from the bank that stated differently.
Obviously their error and a job lose caused us to fall behind in Feb. 04, but we continued to send in payments every month. July '04 they refused to accept any payments because foreclosure proceedings had begun. Nov. 04, we entered into a "SINGED" repayment plan to modification. We were told once we completed the plan, CW would modify the note, bring the loan current and our payments would drop $100. The loan was sent to the Modification Dept. Apr. 1st and as of Apr. 22nd nothing has happend, not even an appraisal.
We sent $950 beginning Nov. 04 - a total of $4,750; $5,700 if send April.
CW posted our house for foreclosure May 3rd, has not modified the note, and is now saying there is no guarantee of the modification. We were told if we do not hear from them by Apr. 26th to send them $950 so they can use this as leverage w/investors. We asked for them to put in writing the foreclosure would be postphone and they said NO, but we should TRUST them.
We had one investor offer to buy our home, help us relocate and split the equity - humm makes you wonder why they want the house so bad. We paid $43K and it appraised at $80K+.
We spoke with an atty to go up againt CW but it will take a $2,500 retainer fee and $200 per hr. to sue - which I intend to do. If we had known CW did not cease proceedings when we signed the agreement, we could have used that money on an attorney, sent them nothing, and keep our home by filing bankruptcy Friday before the sale.
Has anyone else had a similar situation like this? If so, we love to know how it ended and what your solution was.
Left: April 21, 2005 By: Forever Countrywide In: Austin, Texas
I've had several mortgages, and I've always had my loan sold until Countrywide finally bought it 4 years ago. Since then, they have been nothing short of exceptional in every aspect of my dealings with them. I even had a 30 day late b/c for some reason I didn't get a bill. Not only did they not charge me a late fee, but they took the 30 day late off the credit report! I wish more companies were as exceptional as Countrywide. I don't know what happened to the webmaster, but I feel like Countrywide might be getting the blame for one bad apple or from a person who didn't pay his or her bills.
Left: April 16, 2005 By: CryBaby In: Dallas
These mean people at Countrywide keep calling me and wanting money. I was a LOYAL customer for 2 years, then I was unable to make payments for 5 months and they now want to foreclose. I can't believe they want me to make a payment EVERY SINGLE MONTH....this is ridiculous.
Left: April 13, 2005 By: Just some good advice In: Dallas
IF YOU HAVE BEEN A VICTIM OF COUNTRYWIDES DECEPTIVE TRADE OR YOUR HOME HAS BEEN ILLEGALLY FORECLOSED PLEASE CONTACT THE FOLLOWING PEOPLE WITH YOUR COMPLAINT FOR QUICKER RESOLUTION.
COUNTRYWIDE NEEDS TO BE HELD ACCOUNTABLE FOR THEIR ACTIONS NOW. ACCORDING TO THE TEXAS ATTORNEY GENERAL COUNTRYWIDE WILL HAVE TO PAY TRIPLE THE AMOUNT IN DAMAGES IF THEY ARE PURSUED BY THE ATTORNEY GENERALS OFFICE. "TEXAS IS A HOMEOWNER FRIENDLY STATE". SINCE COUNTRYWIDE IS IN CALIFORNIA THIS REALLY GALLS THEM.
MR. THOMAS K. MCLAUGHLIN
Countrywide Home Loans, Inc.
4500 Park Grenada
Calabass, CA 91302
Attorney General of The State of Texas
Consumer Protection Division
Paul D. Carmona, Chief
William D. Clements Bldg.
9th Floor
300 W. 15th Street
Austin, TX 78701
Texas Savings and Loan Dept.
Complaint Resolution
Attn: Darryl Elliott
2601 North Lamar Suite 201
Austin, Tx 78705
Dallas ACORN (Activist Group)
5353 Maple #200
Dallas, TX 75235
HUD
525 Griffin Street
Room 860
Dallas, Texas 75202-5007
Left: April 12, 2005 By: RS In: Dallas, TX
Never had an issue with them . . . I have used them for my last 3 home loans and have always had an easy time dealing with the company. From reading many of the stories, it sounds like a lot of the problems would be solved if people would simply use the auto-draft, so there is no mailing of checks involved in the payment process.
Left: April 11, 2005 By: David In: San Antonio, TX
Countrywide messed up our origination process and ended up changing our LTV at the last minute, and we found a nasty pre-payment penalty hidden in the loan docs, too. After nearly 15 months of struggling with them, I finally found someone at Countrywide who seems 100% committed to "making it right"... a vice-president in the Texas office who is working hard on our behalf.
Also, to my amazement, I called Countrywide's corporate offices in California and when I asked to speak with the CEO Mr. Mozillo, the guy actually took my call! Talk about becoming speechless... I thought I'd get shuffled off to someone else by his secretary, but the lady was kind enough to put me through knowing full well that I was an unhappy customer!
The CEO (Mr. Mozillo) took the time to listen to my situation and assured me he was going to get his top people "right on it" and wow: things started happening right away. However it all works out, I'll keep this site posted.
Left: April 08, 2005 By: CLEANING In: plano
With all the money this company spends (uselessly)----why don't they spend a portion of it and get a cleaning crew to come in and clean this place up.....they through a hugh $500 billion dollar party under a tent, but you can't even get decent office supplies....what an insult to the employees....
Left: April 07, 2005 By: desperate In: plano
countrywide is demoralizing and demotivating to their employees. they treat you like morons but expect EVERYTHING out of you and they give you absolutely nothing. they don't appreciate good employees and will give them terrible reviews just so they don't have to give them a good raise, while they management (at least in this dept) gets all the bucks..........what a pithole!
Left: April 07, 2005 By: pretty unhappy In: plano
I wish someone out there would tell Angelo about this site.........not that he cares whether his employees are happy or not.......it is a terrible place to work
Left: April 07, 2005 By: WTF In: ALL HAIL
EMPLOYEEONLYBECAUSEOFMONEY - IF YOU HAVE A DGREE FROM A WONDERFUL SCHOOL... HOW THE HECK ARE YOU STUPID ENOUGH TO STAY WITH A COMPANY THAT TREATS YOU LIKE THAT!
Please fill out and id-10t form.
Left: April 07, 2005 By: Busted In: Ft. Worth
HEY TRUTH SEEKER... Here is the info requested.
Roy Hoogvelt
Roy Hoogvelt
2666 Cloverdale Ct
Palmdale, CA 93551
US
Phone: 661-267-2402
Email: MHoogvelt@msn.com
Hey Dumb ass... Never Regeste a domain name in your personal name...
http://www.directnic.com/whois/index.php?query=countrywidehomeloansucks.com
Left: April 07, 2005 By: Mike Hunt In: Paris
You know... I really can't say much about Countrywide, but I must say that many of the stories I read here are rather disturbing. People's Ex-spouses calling up and on a joint loan that THEY HAD RIGHTS TO, asking for payments back... Sounds like your ex-spouse sucks, therefore your lack of good judgement gets called into question. Also, people making payments on-time for years then fall 3 months behind and lose their house... So, you are like 90% of the world and pay on time and you expect speacial treatment. You signed a friggin paper that said that if you missed payments, you lose your house. I am sorry this stuff has happened to you all, but come on. Can't you own up to your mistakes. Sue your ex, figure out why you can't make a payment and fix it. Life is full of responsibility, learn to live with it.
| |
