Saxon Mortgage Waiting 9 Months for a Loan Modification NO ONE RETURNS CALLS Fort Worth Texas

?We have been waiting 9 months for a Loan Modification from Saxon Mortgage but Saxon fails to return our phone calls. Our loan is a subprime loan which has been increasing every 6 months since 4/1/08 and we are unable to refinance as we owe more than our home is worth. Our only option is to get a loan modification. We have been trying to contact Saxon Mortgage since 1/8/08 to get this Loan Modification done, but Saxon has FAILED TO RETURN OUR PHONE CALLS or DO A LOAN MODIFICATION. It has been 9 months. On 12-30-07 Saxon Mortgage agreed to look over our Sub-Prime Mortgage to do a Loan Modification to freeze our interest rates and possibly lower our monthly payment by decreasing the interest rate. Saxon mailed the paperwork for us to fill out regarding our income, banking info, bills, etc. We faxed this information back on January 8, 2008. My wife and I telephoned Saxon about every other day for the status of this loan modification. We did not receive a phone call back until March, 2008 wherein the case worker, Sandra Vasquez advised us to NOT make the April and May, 2008 payments since we were doing a loan modification and making a payment would "mess up" Saxon's numbers. Ms Vasquez stated the 2 payments will go to the end of the loan and will NOT BE REPORTED ON OUR CREDIT. She stated she will call us back in 2 weeks to provide the completed Loan Modification. She never called back, nor did any other Saxon Representative. My wife or I continued to Telephone & Email the Saxon Loss Mitigation section and continuously left telephone messages, which went unanswered. In June 2008 we check our credit report and Saxon DID REPORT the 2 payments that we were told to not make. We continued to call Saxon Loss Migigation and they said they would expedite our message and make it top priority. We NEVER received a call. On September 18, 2008 (8 MONTHS SINCE WE HAVE TRIED TO OBTAIN A LOAN MODIFICATION) the Saxon representative LaKisha said that Saxon did received our fax 8 months ago, but they could not read it. She asked to refax it - which I did do. Saxon did lie about this as they were working on the loan modification in April 2008. I have left messages EVERY OTHER DAY for the new case worker, Ronald Hanes at ext. 204768 - which
were not returned. TODAY, OCTOBER 4, 2008, SAXON MAILED US A LETTER STATING THAT THEY CLOSED OUR CASE FOR A LOAN MODIFICATION DUE TO THEY COULD NOT CONTACT US when we have been calling EVERY OTHER DAY for 9 months. My wife is a stay at home mother and is home EVERY day and we also have caller ID - SAXON NEVER CALLED. They have closed the case since they say THEY cannot get a hold of US!!!

Tinytoes1
russellville, Kentucky
U.S.A.