• Report: #107473

Complaint Review: FAIRBANKS CAPITOL

  • Submitted: Wed, September 08, 2004
  • Updated: Tue, September 14, 2004

  • Reported By:SPRINGFIELD Illinois
FAIRBANKS CAPITOL
FLORIDA TALLAHASSEE, Florida U.S.A.

FAIRBANKS CAPITOL ripoff Nationwide

*REBUTTAL Individual responds: fairbanks sucks!!!!!

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I refinanced with a company and they let fairbanks capitol service my loan well i filed bankruptcy and then thats when fairbanks decided to say i was 11 payments behind i tried to prove that i wasn't and they told me my checks had bounced.

i then sent copies which they lost so i sent them again and they still said they bounced mind you i paid check by phone and i work at the bank i know the bank won't send out a check by phone if the funds are not there. so basically they said either pay or loose the house. they also in the middle of fileing bankruptcy tried to file forclosure on my home i kept paying my payments on my home i never once misted a payment.

they had no right so when i was served with papers for forclosure i freeked out called fairbanks and they said that was standered for those behind on mortgages even though i hadn't misted a payment. well we could'nt afford a lawyer and they said pay or get out so we started a forbearance agreement and have been paying on it fjor about 3 yrs. it seems like ever time we get close to paying it off they say we owe more.

there lawyers charged us 1,500.00 dollars two times to send us a piece of papper that said pay us or else. I WENT TO THE STATES ATTORNY'S OFFICE AND THEY DIDNT WANT TO GO THERE. WELL THE CLASS ACTION LAWSUITE THAT THEY HAD AGAGINST THEM WASNT WORTH MY TIME OF DAY THEY DIDNT REFUND EVEN CLOSE TO WHAT THEY OWE US THEY SENT A PIDDLEY AMOUNT AND EXPECTED US TO KEEP OUR MOUTHS SHUT.

ON TOP OF EVERYTHING THEY PUT ME AND MY FAMILY THROUGH WE CAN'T REFINANCE OUR HOME BECAUSE

THEY ARE SHOWING ON OUR CREDIT REPORT THAT WE NEVER MADE ONE PAYMENT TO OUR MORTGAGE AT ALL CAN YOU IMAGINE HOW MAD I AM I KNOW THEY SCREW PEOPLE. THEY CLAIM AFTER OUR FORBERANCE PLAN IS PD IN FULL THEY WILL UPDATE OUR CREDIT WHATEVER THEY HAVEN'T DONE ANYTHING THEY SAID THEY WERE GOING TO DO EVER.

THEY SHOULD BE PUT OUT OF BUSINESS AND WE ALL SHOULD GET OUR HOMES FOR FREE AFTER ALL THE PROBLEMS THEY PUT EVERY ONE ENVOLVED THROUGH.

Melissa
SPRINGFIELD, Illinois
U.S.A.

This report was posted on Ripoff Report on 09/08/2004 12:18 PM and is a permanent record located here: http://www.ripoffreport.com/r/FAIRBANKS-CAPITOL/TALLAHASSEE-Florida/FAIRBANKS-CAPITOL-ripoff-Nationwide-107473. 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 REBUTTAL Individual responds

fairbanks sucks!!!!!

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

i understand what most of you are going through we bought a house in 1999 and sold it on a land contract through the court in 2002 and fairbanks hold the morgage on the house. they bought it from nationwide credit. i never had a problem dealing woth nationwide and they were aware of the house being sold on a court order land contract to a thrid party and they were agreeative to that. but than fair banks became the morgager than they did not fallow the directions of the land contract. they tried to tell me that the new owners could not legally assume the morgage that it was not legal to do so. i than got out my original documantion and asked a lawer to explain some things to me. and in those papers it said that it was an assumable morgage. that when i spoke with them again they said that i just need to fill out some paper work and it could be done. i recieved the paperwork and it wanteds a $400application fee plus 1% of the out standing balnce on the morgage. this is all after the new owners have been making payments for over one year they still wanted to approve her as a home owner. they will not talk with her on the phone and they were not excepting her copies of the taxes and insurance being paid even through they had the proper information on them. they said they did not get them and when they did they said they were not accaptable be cause my name was not on them. they have been charging her almost $1,000 for home owners insurance that just covered the pay off amount. mind you the pay off amount is only about $30,000. they were taking all of her monthly payments to pay for the insurance causing them to show up late and instist her to catch all the payments up or they were going to foreclose on her. finally she got someone to except her proff and they sent her a check for the extra money she had paid. she has since filled a class action law suit against them here in Michigan and i hope she wins. this is the second time they have done this to her and she is going to get even ith them. you see she is an attorny here in michigan and she practice law in the same town the house is in.
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