• Report: #262498

Complaint Review: Cendant Mortgage - PHH Mortgage - Mortgage Services

  • Submitted: Sun, July 22, 2007
  • Updated: Sun, July 22, 2007

  • Reported By:Fruitland Maryland
Cendant Mortgage - PHH Mortgage - Mortgage Services
PHHmortgageservices.com Mt. Laurel, New Jersey U.S.A.

Cendant Mortgage - PHH Mortgage - Mortgage Services Almost lost my home and had to pay $4900.00 to keep my home from being forclosed on after PHH refused to accept payments Mt. Laurel New Jersey

*Consumer Comment: Your Cendant / PHH mortgage should have spelled out what you could do if/when you were late

*Consumer Comment: Your Cendant / PHH mortgage should have spelled out what you could do if/when you were late

*Consumer Comment: Your Cendant / PHH mortgage should have spelled out what you could do if/when you were late

*Consumer Comment: Your Cendant / PHH mortgage should have spelled out what you could do if/when you were late

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In October of 2005 I lost my job and was out of work for 6 months. I was late on my mortgage payment in January of 2006 and then PHH Mortgage refused to accept payment and attempted to forclose in March of 2006 even though I was willing to pay my mortgage payments. I was forced to hire a mitagation company to try to remedy the matter and they did nothing to help the situation. I filed a stay in order to try to halt the forclosure and the judge set the hearing date almost a month after the scheduled auction date on my home. After much time and money I came to a agreement that nearly tripled my mortgage and paid $4900.00 in Fees. Even though my credit was ruined by this incident I was able to obtain another mortgage and have been trying to rebuild my credit in order to get my life back to were it was prior to what PHH did by refusing to accept my payments in January of 2006.

Ssakers75
Fruitland, Maryland
U.S.A.

This report was posted on Ripoff Report on 07/22/2007 06:26 PM and is a permanent record located here: http://www.ripoffreport.com/r/Cendant-Mortgage-PHH-Mortgage-Mortgage-Services/Mt-Laurel-New-Jersey/Cendant-Mortgage-PHH-Mortgage-Mortgage-Services-Almost-lost-my-home-and-had-to-pay-49-262498. 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.

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Updates & Rebuttals

#1 Consumer Comment

Your Cendant / PHH mortgage should have spelled out what you could do if/when you were late

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

... with your mortgage payment. Usually your mortgage will include a provision stating that you have a grace period of 1 month, or 2 months at the max, to correct your payment deficiency. If you were correcting your deficiency *within* the stated grace period, rather than calling them about it, then you should not have had a problem and the mortgage company was in error. If your mortgage lacked such a provision then you know now why you want that provision.
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#2 Consumer Comment

Your Cendant / PHH mortgage should have spelled out what you could do if/when you were late

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

... with your mortgage payment. Usually your mortgage will include a provision stating that you have a grace period of 1 month, or 2 months at the max, to correct your payment deficiency. If you were correcting your deficiency *within* the stated grace period, rather than calling them about it, then you should not have had a problem and the mortgage company was in error. If your mortgage lacked such a provision then you know now why you want that provision.
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#3 Consumer Comment

Your Cendant / PHH mortgage should have spelled out what you could do if/when you were late

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

... with your mortgage payment. Usually your mortgage will include a provision stating that you have a grace period of 1 month, or 2 months at the max, to correct your payment deficiency. If you were correcting your deficiency *within* the stated grace period, rather than calling them about it, then you should not have had a problem and the mortgage company was in error. If your mortgage lacked such a provision then you know now why you want that provision.
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#4 Consumer Comment

Your Cendant / PHH mortgage should have spelled out what you could do if/when you were late

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

... with your mortgage payment. Usually your mortgage will include a provision stating that you have a grace period of 1 month, or 2 months at the max, to correct your payment deficiency. If you were correcting your deficiency *within* the stated grace period, rather than calling them about it, then you should not have had a problem and the mortgage company was in error. If your mortgage lacked such a provision then you know now why you want that provision.
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