tag:blogger.com,1999:blog-1527840491496268397.post2900778625727351855..comments2008-01-04T10:45:29.067-07:00CPnoreply@blogger.comBlogger2125tag:blogger.com,1999:blog-1527840491496268397.post-81381058109582196772008-01-04T10:45:00.000-07:002008-01-04T10:45:00.000-07:002008-01-04T10:45:00.000-07:00I am among the legions of mortgagees that have loans being serviced by Countrywide. My experience is nothing less than a nightmare. My home ended up in foreclosure after two missed payments and a late payment. My attempts to get caught up were met with repeated phone calls to their call centers in Mumbai, India where they knew nothing of my loan status and only wanted to harass me and question me about why my payment was late. No one in Mumbai even entertained the idea that I might be eligible for a loan modification agreement or repayment program. I received several phone calls from customer service representatives who indicated that I was ineligible for a modification and that foreclosure was a forgone conclusion. One person spoke such horrible English that I had to ask her to repeat almost every sentence she said, which resulted in her calling me names and hanging up on me. I spoke with one person in early December who indicated that I was eligible for a Modification Agreement and said that she would set me up for this and send me the paperwork. I received the paperwork three weeks later, albeit, after Countrywide filed papers in court to foreclose on my property. The agreement required that I obtain title insurance and a step modification agreement, which after numerous phone calls by a title insurance sales person, proved to be unnecessary and part of an "old" agreement form that was never deleted. I was repeatedly told by customer service representatives at Countrywide that they could not access information about my account unless it was approved or released by the Loan Negotiator. This was someone who has never spoken to me or attempted to contact me and was unable to be reached via telephone. I was advised by the customer service representative to go to their website, however, I have been locked out and any information about my account is "frozen". Likewise, I am unable to even e-mail them due to this connection being locked at their website.<BR/><BR/>For a company that is tanking, one would think that they would show some effort to make payment on loans more expedient or efficient, as well as encourage good customer relations/service, which may foster better relations and possibly more referrals or loan applications by consumers.<BR/><BR/>While the customer service representatives I have spoken to indicate that my Modification Agreement has been accepted, I have yet to receive written confirmation of this, speak to the loan negotiator, or obtain access to my account on-line.Uncle Dukenoreply@blogger.comtag:blogger.com,1999:blog-1527840491496268397.post-76559764720042210992007-09-27T22:55:00.000-07:002007-09-27T22:55:00.000-07:002007-09-27T22:55:00.000-07:00It looks like your countrywide short is going as well as a Cramer call.Anonymousnoreply@blogger.com