• Report: #188335

Complaint Review: Option One Mortgage

  • Submitted: Mon, April 24, 2006
  • Updated: Wed, May 27, 2009

  • Reported By:kingman Arizona
Option One Mortgage
Po Box 57096 Irvine, California U.S.A.

Option One Mortgage ripoff foreclosed on our house no one told us found out from friend constant problem try to get caught up there tearing our life appart Irvine California

*Consumer Comment: EX-EMPLOYEE

*UPDATE EX-employee responds: Really?

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in june of 2004 we set up a plan to repay our pas do payments it would be 1142 a month for 9 months it got to hard on us we sent them 4,300.00 by aug 2005. the finances work all but gone so we decided to go ch.13. option one filler a motin tof stay . i really dided know what that ment my lawer was never avalible to talk. fin spoke with attorny a i thought i was do the right thing. but my attorny railroaded me basically and sign the order to lift the stay. i could be leave our lawyer did that this was on feb 2006. i cancelled ch 13 be ause the lawywer said that would be good.the laywer got a 30 day extention so i could refianance. because of my credit its taken so long to get one.but on mar 2, 2006 i recive a call from a friend and said that my house haf been forclosed on and they actioned my house of at 11:00 am the day before . i almst fainted.

i told my friend i was refianacing an had aloan i pick my self up and in a daze i began calling people, ialled curtis legal servicing, inc this is the collect agency how hung the forcloser notice on our front gate one day for all the neborhood to see i ask them if the sold my house and they said yes. i told them it was illegal what they did that i had acourt order. all they said was sorry mam we gave you a notice in 4/2005. i was devistated to the point of a mental break down.went to court house, they told me to go to title comp,went there and broke down crying an the lady said it was illegle and to contact morge company, called a 1-800 3 A HAD FOR SOOM ONE AT OPTION ONE and left a messege telling them it was illegle what they did. at 500 pm my hosband called and spoke to a woman in litagation and she said she would give us and extention to3/31 AND THAT THEY GAVE PEAPLE BACK THERE MONEY WHO BOUGHT OUR HOUSE. i called 3 time that month to let them know about the statis our our refi- and they assurd me that it wont forclsese on 3/31 i cauld to ask to extend a few more weeks that id been apoved but again they lied and said they needed 3000.00 or they would sellour hose 4/4 @ 1100am.that got me on a amotional tail spin again. got on the f phone all day on 4/3 i wont give up we bought our house for 58.000 and itts now wourth 140,000.

i m beginig to get nervis again because the loan company found a clause in the title sayiny that the trusstee isnt even the same person and it not the same title i have. im afraid of losing our home ive fought so hard to keep it. i filled rip of bad i have grandchildren living with me and its been hard on them to see us so upset not know what going to happen next.

Linda
Kingman, Arizona
U.S.A.

This report was posted on Ripoff Report on 04/24/2006 02:45 PM and is a permanent record located here: http://www.ripoffreport.com/r/Option-One-Mortgage/Irvine-California-92618/Option-One-Mortgage-ripoff-foreclosed-on-our-house-no-one-told-us-found-out-from-friend-co-188335. 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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REBUTTALS & REPLIES:
0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

EX-EMPLOYEE

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

To Tony, I just want to say that it sounds to me from your rebuttal comment that you have chosen the perfect field and you should be VERY proud of yourself although I am sure you are!!!
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#2 UPDATE EX-employee responds

Really?

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

So what you're saying is that you are really made and update because you can't pay your bills and because your attorney screwed you?

If you're dealing with foreclosure it means you're not paying your bills. What did you expect, roses, balloons and a great big thanks for not living up to your end of the deal? They lent you money and you are supposed to repay it at an agreed upon rate. If you can't do that then you loose your house. It's the same no matter who you borrow through. WAKE UP before posting such a ridiculous complaint. It's irresponsible for a non-paying defaulter to complain when the bank comes a callin.
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