CENTEX HOME EQUITY MORTGAGE COMPANY FROM HELL RIPOFF DALLAS Texas

Well it has been confirmed that I am a Victim of Predatory Lending. Centex doesn't care about the homeowner's only what they can milk out of us without knowing. Be very careful of this company, as they are wolves in sheeps clothing. AntiRobinhoods. They are stealing from the poor to line the rich's pockets, and putting us through hell all at the same time.

Melondy, please start writing letters and stop talking to these collectors on the phone. You'll only get upset and nothing will be accomplished. There are others as well including myself with similar problems. You are at the beginning stages but your fight is not over. I have e-mailed you at your address with a solution. Please feel free to e-mail me at pwhite@goodwinprocter.com as I have many ideas and things that I have done to stop them from harassing you. There are laws that protect each consumer and you need to now educate yourself about these laws and what ammo you have against these companies. Don't give up!!! That's the most important thing. Please e-mail me as I have e-mailed you. I have things to tell you.

Priscilla

Today I received a call from Mrs. Coleman again, she tried to act professional today, but it didn't work. She called me and asked me for a payment which I told her I would be able to make a payment until my payday which is the 1st of each month. The same thing I told the other agent on Monday when he called to tell me that I was in foreclosure. She tells me your account has been handed over to my department, which she was one of the ones call me all the time anyway on my job. Once again she wouldn't let me get a word in and when I tried to tell them that I didn't wish to discuss the matter on my job and if I could call her back she tells me and these are exact words "Your track record is awful" then hangs up in my face. Also yesterday after I made a post I received a call from an agent there company telling me that my interest rate was to high and I needed to refinance right away with them. I told him no, that I was sick and tired of them harrassing me and lying. I think I have gotten myself into one serious mess dealing with this company, the harrassment is not going to end. People please BEWARE of this company!

Monday, April 19 I called the agent at Centex whom I am most in contact with, because I had another agent call me right before he called (yes, the calls are back to back) I refused to talk with her because she is flat out rude (her name is Ms. Coleman) and I left a message on his phone.

Mind you I cannot talk to him during their regular business hours because their phone personnel will not put me through to his extension, even though he tells me to call him at his extension. I guess everybody their is in collections! Basically I told him I would have a payment to him on my pay day and he told me that I was going to receive a letter for foreclosure on my property because they couldn't wait until my day. They want me to make payments before my payday, but I don't have the money. In the past I would borrow money from those pay day loan companies, but they are changing their policies toward people who only get paid once a month. Any way Centex wants $4,594.20 by May 15. If anybody would like to email me my email address is melondyw@yahoo.com I took off work, so that I can start filing my reports against them. I really hope this does some good. I'm thinking about letting thim have this place!

I have reported them to the MN Attorney General, and I've tried to work with Centex to try to resolve my issues, but nothing has worked. "All we want is our money", that's what they tell me. Well, then they shouldn't have put me into a Mortgage that I didn't want! How come I can't get another appraisal for $50,000? The most I can get is $40,000; and, I've even had one for $15,000! Why is that? I have talked to Mr. Harvey, Lateasha, Mrs. Tripp, and now Mr. Honeycutt. It must be a huge business to have all these people in their Collections Department. We all need to keep fighting Centex because if one person gives in, then Centex Wins. I don't know about you but they don't need my house to Foreclose on!

Hi Melody!

Keep documenting everything you get and starting writing Centex letters requesting your file under the RESPA Act. It's called a Qualified Written Request. I did that and they have to comply with that request. I am not an attorney just a consumer with the same problem as you, but have some knowledge of the law and my rights. You need to get to a mortgage auditor or counselor and bring all your documents with you for them to review and see exactly what violations you have. Contact National Community Reinvestment Coalition (NCRC)and tell them what is happening. Also, report them to the Federal Trade Commission as they are taking reports on this company. They do not help, but they do document these complaints and if enough of us complain to the FTC, then they will take notice. You can do this on their website. Complain to everyone including the Better Business Bureau, the AG's office, etc. Start writing letters to everyone in your area for them to take notice. Whatever you do, DO NOT SIGN a General Release from Centex as that is what they are trying to do to all of us. You will be starting the fight of your life to keep your home. Don't let them wear you down and don't let them get the better of you. Someone will take notice and something is going to be done.

Take care!

This is to report that I have went over my loan statement from Centex and it seems that they are hitting me with a $200 charge in addition to my mortgage and my homeowners insurance is no longer $153 a month is now a whopping $196.00 per month putting me somewere around $1000+ a month for a $49,000 dollar house and I'm only bringing in on my one and only job $1375. And I recently got another phone call from an agent from hell on the right after I posted this report, she yelled at me so and told me I needed to go and find someone to borrow money from and a whole bunch of other things to where I asked her why was she harrassing me which she flew off the handle again so I just hung up in her face. I am begging for help this is getting so ridiculous. I have never seen such bad business practice in my life. And this company has taught me a tremendous lesson. That all businesses cannot be trusted.