You really never know till it happens to you. And when it does happen you feel as if the whole world is aganist you. And to know you might lose everything you have ever worked for. And it will be a sad day not for me but for these companies like Homeq Peoples Choice Home Loans Wachovia Wellsfargo and such.
When we went to Refinance it was to get out of the higher interest rate. Needless to say we are paying more now then we were at the higher rate. When i started looking for a place like all people we get flyers in the mail. Well after looking for a week or so i decided to go through the flyers and came across the one for Peoples Choice Home Loans. well a week before that i had talked to a lady at another broker place. well this was wierd because the day a made a appointment with Peoples Choice.
she called and said she had someone that could help me and to go to this address. well i did. it was Peoples Choice Home Loans. Now that scarey. well i all ready had a meeting there with the manger for the company here in colorado, much to my surprize she was sitting right across from me right by the manger. well needless to say she was dateing him. i found out after all this.
i ask for a 30 year fixed loan and to make sure that they escrowed the Taxs and Insurance in the payments. well we talked for over a hour and i thought it was understood but it was to be 5.99. well need less to say it ened up being 6.59. Well anyway this manger was being real pushy about the loan. i was starting to get mad so i called him and told him not to be or this laon wont happen. i dont like pushy people. well he did stop but to do this loan he sent to guys to our house which i thought kind of funny. they had the paper work for us to sign. well my Husband to sign. The manger told them i was not to sign any of the papers. just my Husband. i had asked why they said because the manger said my scores were low so he put it in my husband name only and my scores were higher than my husbands at the time.
Well little did i know we were about to get screwed and good. well i let them do what they had to and never gave it another thought. When the two guys were leaving i had asked about the Notary. they said that had to get them back to the manger at Peoples Choice. So now there was no Notary to witness the signing of them. ok i know that it not right. there has to be one there thats alot of money being sent to one place and the other.
I really thought I got us a real good loan. right not at all. one of the guys that came to our hous called me about 4 or 5 days later stating that he quit his job there because they were riping people off and did not any part of a company like that. and the other guy quit too and that he was really sorry. he did not want to lose his job at that time because he was just starting out. Now i can understand that but he could of said something.
so i would not of done this to my husband and i. well after i hung up i went and got the paper my husband signed and heres what happened. the 30 year fixed loan at 5.99 turned out to be a 3 year ARM at 6.50 with nothing escrowed. are payment stood at 1719 and 54 cents. Now whats really bad is this loan cost us $30 000 To refinance. all the paper work has diffrent Numbers on all of them. none of the fiugers match. charged us 3.5 orginantion fees . fees i never heard of and when i call to talk to them no one would.
so the manger sent our laon over to HomeQ and now there overcharging us. say were always late by two months. it has been that way sence they have had it and there trying to forclose on us. wont give us what we owe to catch. said they were going to charge us 30 days of lawyer fees on top of what ever else they want. and they took out insurance on our house for $189000 on a $272000 Loan which cost 2900 Hunderd a year .which has added 400 dollars to our house payment. which now is 2166 and something cents a month now our house is worth about $340000 and it is insured as a dwelling that only cost 189000 how can that be? and like i said the loan went from 240000 to 272000.
now to me and still there was no notary in all of this. not only should this company be at fault the Notary should also be. that was lot of money to go out with no witness there. Ive tryed to work with these people and it is like they really dont give a hoot about it. I also found out that these companies are branched off a place called Wachovia and i called Wachovia. they called and i tryed to call they back but i did not get a return call from them. so its only fair to say that these places dont really care what they do to you. they only care about filling there pockets with money that they steal from you.
I have even turned it over to the Attoreny Genarl office but i still do not think that there going to do anything. all i know is that these places need to be stoped before nobody has a home and take you for everything you own. and what makes it real bad is that we have sole coustody of my granddaughter and what do i tell her if they take our home. sorry nobody cares that is why we live in a tent somewhere. You know i should charge them for the stuff that they do to all of us. theres one thing i would like to do. But my foot is not big enough to fit them all. if someone has anyway to help it would be most. My husband and i just didnt riped off they. we were also lied to and cheated. Nothing is ever as it seems. HELP PLEASE
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