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Report: #272062

Complaint Review: Homeq - North Highlands California

  • Submitted:
  • Updated:
  • Reported By: New Windsor New York
  • Author Confirmed What's this?
  • Why?
  • Homeq homeq.com North Highlands, California U.S.A.

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I had a job loss in June and needless to say Homeq does not have many options to help someone...I have been trying to find out who holds the Note/Title to my home so i can see about refinancing. One rep inadvertently told me Wells Fargo owns the note to my home, but, i need to find out which division because Wells Fargo has a ARM program now to modify ARM's to Fixed rates.

We are scheduled to adjust in a few months and I am trying to find out who exactly owns the note so we can get away from these vultures. I truly feel that they do not want to give me this information so that they can continue to service this loan.

Does anyone else have this situation with Homeq and if so how can someone find out who the exact name and address of the Note/Lien holder to a home.

Tomnikids3
New Windsor, New York
U.S.A.

This report was posted on Ripoff Report on 09/03/2007 10:58 AM and is a permanent record located here: https://www.ripoffreport.com/reports/homeq/north-highlands-california-95660/homeq-withholding-information-north-highlands-california-272062. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
0Author
8Consumer
0Employee/Owner

#8 UPDATE EX-employee responds

Homeq services your loan

AUTHOR: Previous Employee - (U.S.A.)

POSTED: Friday, September 28, 2007

Homeq services your loan. Wells Fargo orginated your loan and sold the servicing to Homeq. Homeq has complete control over your loan and you can only deal with them. Wells Fargo did it that way. You do not need Wells Fargo to refi. Just tell you refi company that Homeq services your loan.

As far as you losing your job and Homeq will not help you, if you had a job loss in June why are you not working yet? Do you still have your car, cable, cell phone or even extra money you go shopping with? Come on, your mortgage is the first payment you make. You can live without a cell or cable if you don't have a house to put it in. Work 2 jobs, cut expenses or lose your house. Sounds cruel but that's how the world works if you can't pay for the home, sell out and rent until you can get a normal mortgage with a normal interest rate. The only reason Homeq ends up with these loans is because they are sub-prime.

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#7 Author of original report

Homeq

AUTHOR: Tomnikids3 - (U.S.A.)

POSTED: Wednesday, September 12, 2007

This is a question to the post about the Climate is Changing at Homeq. Please can you give any information on Homeq doing a loan modification. They told me they do NOT modify loans, but i figure with the climate as you mentioned they may have to change that. I am in a situation that i need to change this loan or be homeless as well....and i have been trying to deal with Homeq for months to avail. I would appreciate any information or what direction i need to go in to get this done. Thank you

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#6 Author of original report

Homeq Lawsuit Information

AUTHOR: Tomnikids3 - (U.S.A.)

POSTED: Friday, September 07, 2007

I found a website today that will let you exhange email information if you need more information or gather with others that have a complaint against Homeq. Its is: (((ROR REDACTED)))


CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

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#5 Author of original report

How to Fight Homeq

AUTHOR: Tomnikids3 - (U.S.A.)

POSTED: Friday, September 07, 2007

As i read though many posts here i have found that we have no way of contacting one another in the event we want to come together and have a class action lawsuit or even share helpful information or names, etc. How can we all get together with one another on the web to help ourselves out. I am on yahoo if anyone needs to get in touch with me.

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#4 Author of original report

Homeq not being too cooperative with information

AUTHOR: Tomnikids3 - (U.S.A.)

POSTED: Friday, September 07, 2007

In response the the X-Homeq employee, when i have called 2X's they have told me Well Fargo and they have no other information, like and address, phone #, etc. With the upheivel of the subprime market today and unprecidented changes and banks modifying loans it would not be any harm for me to try to touchbase with the note holder, and let me for myself find out if anything can be done, but to withhold information is like you said cannot be done.

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#3 UPDATE EX-employee responds

Getting information

AUTHOR: Carrie - (U.S.A.)

POSTED: Thursday, September 06, 2007

If you ask the name of the person who owns your note, Homeq is required to give you that information. Beyond that, the average employee does not have specific details on the departments to contact, because as the servicer, they are responsible for everything related to your loan.

There is not a contact for the company (Wells Fargo in this case), because they will not speak to you directly in reference to an account that is handled by a servicing company, in this case, HomEq.

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#2 Author of original report

Homeq may not be able to foreclose on some homeowners

AUTHOR: Tomnikids3 - (U.S.A.)

POSTED: Thursday, September 06, 2007

I found this website on the net and it gives some interesting information as far as how far a servicer can go since they technically dont own the note if my interpretation is correct. I am attaching the link for anyone who wants to review the information.

mortgage-home-loan-bank-fraud.com/articles/stop_foreclosure.htmfound

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#1 Author of original report

*****Got Ya Homeq*******

AUTHOR: Tomnikids3 - (U.S.A.)

POSTED: Wednesday, September 05, 2007

Its amazing you have to get relentless about getting information on your own. Thank you to the person that posted here how to find out who owns the note to your home. Not only did i call the NY county clerk, and get the info i needed they gave me loan #'s and the name of the attorney that works for Wells Fargo (the owner of my note). Last year i had no idea that my loan was being sold from one servicer to another (Homeq being the 2nd and worst) but all the time still being owned by Wells Fargo. I got the title company information, and phone numbers for all. It just goes to show that you should never give up. I want these Homeq vultures out of our lives and this subprime nightmare of a loan modified and i wont give up until i get help. Everyone involved in this last year made off like bandits, leaving my family holding the bag with lies, and promises that were never kept. Homeq is abolutely usless, no better than a mere credit card company, but i will be damned if they take my home and if i have to do chapter 13 to keep a roof over my head so be it. Whatever information i get that is helpful to anyone here in the Homeq nightmare i will be happy to post.

I have been looking all over the net for any class action suits against Homeq but no luck yet, but, yesterday the U.S. Senate has called for loan servicers to do more to help homeowners, they are calling for servicers to help by taking past due amount and posting them to the total amout of the note or stretching out the terms of the loan or modifying to fixed rates. At this point the Gov't is just requesting the servicers do this, not making it mandatory, but, each month that goes by and late payments increase and forclosures increase this may change and be mandatory for Servicers to comply. I am reading up on this everyday and hope to get information that helps all of us.

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