Morgan Stanley Home Loans Saxon Mortgage Fraudulent Foreclosure Fort Worth, Texas

You may have worked for them, and in theory your statements are correct.  However, as a person who had to deal with them, the reality was far different.  Saxon sent me a loan modification packet three times within a year.  Every time I declined it, as it wasn't something I requested, and not something I wanted.  Every time I mailed my check for the monthly loan payment after they sent this UNREQUESTED modification packet that was NEVER completed they cashed the check but didn't apply it to the loan.  So now my account was out my mortgage payment, and then Saxon hit me with late fees and marred my credit by reporting it as late.  Despite over two years of calls, explanations, talking to supervisor after supervisor who assured me it would either be fixed or that there was no way they would do this, nothing was done.  

Why would a company do this?  I was happily paying my mortgage at the regular rate.  I didn't need it reduced or modified.  I didn't ask for this.  Yet now my credit is screwed, and they do not take the blame.  I didn't ask or want Saxon to own my loan.  This was done as part of the process of buying a home, with each lender taking it on for a few weeks or months.  Saxon held it for years.  They were the only ones who couldn't just take my payment, apply it to the loan as any normal bill is payed, and who screwed up the entire process.  Now you tell me how Saxon is not at fault?  I was happy to pay every month, I didn't lose my job, I didn't have any extenuating circumstances.  Yet here I am because of their negligence and incompetence.  How is this not Saxon's fault?

My wife dealt with Saxon and "working" with Saxon was just how it has been described. We spoke to people that had no clue. We were in an 8% mortgage and had been for about 4 years. When the opportunity came around we worked with Saxon to see if we could modify the mortgage. We followed all the directions. We were informed that we would not be able to modify the loan about 3 months later. We had made payments this entire time. Now "they were asking for a additional $1500 for a missed payment that was never missed. We had cashiers receipts for the payments. We sent "them"documentation at least ten times. We didn't get any kind of responce until we called the better business beauru. Still there was no admission on their part. We saw a lawyer and we were told it would cost as much as $10K to get it straighten if we had to go to court (we would win) but then Saxon could still foreclose. So your defence of the company is nonesense. For your reply to that women I bet you there are 100 people this company ripped off with impunity.

IF I WAS A BIG SHOT
(Please sing to the tune of "If I Had A Hammer")

Anyone can 'Google' this- IF I HAD A HAMMER SING ALONG WITH BROWNIELOCKS, and sing the following lyrics to that tune, right?

Here we go- 1, 2, 3...

If I was a big shot
I'd be like Mr. Romnee
I'd have a lot of money
I'd stash it away
I'd put some in the market
I'd hide some in my closet
I'd buy a place near the beach
In sunny Cayman Islands
Ohhhhhhh that would be grand.

(Keep Repeating)

Anyone can 'Google' this- MITT ROMNEY TAX EVASION AN ABC NEWS INVESTIGATION, and watch the related videos and read the articles on the web.

Feel free to 'Google' this- SCHWARZMAN-ROMNEY RETURNS INCITING DEMS SCRUTINY, and read the related articles on the web.

FYI: Mr Schwarzman is the CEO of Blackstone Group. He made $702,440,573.00 in 2008, according to information that is available on the web.
Simply 'Google' this- THE TOP 10 HIGHEST PAID CEOS ARE CNN, and read the article for proof. (That's $2.7 Million per day, based on a typical five day work-week.) 

Thank You

WELCOME TO AMERICA- THE BANKERS ARE IN CONTROL OF OUR GOVERNMENT, AND JUST ABOUT EVERY POLITICIAN IS REALLY WORKING FOR AND SERVING THE WALL STREET BANKERS 

according to information that is available on the web?

You can 'Google' this- WHO OWNS THE FED?, and go to the site with the five charts. Morgan Stanley is listed in 'Chart 1', along with Lehman Brothers and J.P. Morgan Co.

If you type in 411913 at this site you will see that JP Morgan Chase was named in that Ripoff Report for taking out 'secret life insurance policies' on its employees. I believe that JP Morgan Chase has $11 Billion in these policies.

Simply 'Google' this- BANK EXECUTIVES PROFITING ON THE DEATH OF EMPLOYEES, and read the related articles on the web for proof.

It appears that the big banks in America have done a lot of damage to our economy, wouldn't you agree?

Have a nice day.

***NATIONWIDE MORTGAGE ALERT: Make sure to type in all of the following at this site and read the Ripoff Reports for important information if you have a mortgage in the USA-

MERRILL LYNCH
INDYMAC
GMAC
COUNTRYWIDE
WELLS FARGO
BANK OF AMERICA
CHASE
GOLDMAN SACHS
LEHMAN
JP MORGAN
LITTON LOAN
ONE WEST BANK
HAMP
MORTGAGE

read Jeanne's Ripoff Report?

Have a nice day.

read St. Clair's Ripoff Report?

If not, simply type in 481508 at this site and read it when you have time, okay?

Have a nice day.

***POLITICIAN ALERT: Don't forget to type in all of the following at this site and read the Ripoff Reports for important information-

POLITICIAN
OBAMA
BUSH
CHENEY
BARNEY FRANK
CLINTON
REAGAN
US GOVERNMENT

read Sweetsue's Ripoff Report, okay? It's Ripoff Report #506506.

Have a nice day.

read Ripoff Report #411913 about the $120 Billion in 'secret life insurance policies' that many of the banks in the USA have taken out on their current and former employees?

If not, just type in 411913 at this site and read it, okay?

Have a nice evening.

***POLITICIAN ALERT: Don't forget to type in all of the following at this site and read the Ripoff Reports for important information-

POLITICIAN
OBAMA
BUSH
CHENEY
CLINTON
REAGAN

Ripoff Report #555030?

If not, simply type in 555030 at this site and read it when you have a chance, okay?

have a nice evening.

***TOP SECRET GOVERNMENT ALERT: Don't forget to type in all of the following at this site and read the Ripoff Reports for important government information-

OBAMA
BUSH
CHENEY
CLINTON
REAGAN
US GOVERNMENT

read Ripoff Report #271454 yet? If not, simply type in 271454 at this site and that will take you to Betty's Ripoff Report, okay?

Thank You

***MORTGAGE ALERT: Don't forget to type in the following number at this site and read the Ripoff Reports for valuable information if you have a mortgage in the USA-

481508
738400
476868
782926
688047
736091
560128

the people who control the U.S. economy, okay?

For some odd reason, the other website no longer has the faces of the people who control the U.S. economy.

Thank You

the U.S. economy, right?

You have no idea what you are talking about.  In my quest for justice, I contacted at least a dozen state, federal and local agencies including the Better Business Bureau.  I was notified by the agencies that there were so many complaints filed against Saxon Mortgage/Morgan Stanley Home Loans that it would cost a fortune to obtain copies of the complaint.  The Department of Corporations, Department of Real Estate and other agencies have open files in connection with Saxon/Morgan Stanley Home Loans.  I am still waiting (4 months) for the backup documentation from their unlawful foreclosure and sale.  My guess is that they don't even have legitimate documentation.  Their General Counsel, Greg Smallwood and Andrew Cline are extremely condescending and arrogant, and impossible to get a straight answer from.  I will continue my quest against their criminal activites.

*Make sure to 'Google' this- DID SPECULATION FUEL OIL PRICE SWINGS, and watch that 60 Minutes segment on the web. 

And I can assure you that they are NOT in the business of taking your home.  If you pay a $300,000 mortgage on time, it makes Morgan Stanley approx $500,000 over the life of the loan.  If everyone paid their loan on time, the banks would not be in crisis. 

BELIEVE ME, they DO NOT want your house.

The TRUTH is, the bank has to do some risk assessment.  If they see that you are 90 days past due and your ONLY means of catching up a little is a LOAN AGAINST A 401K, they realize that there is no point is dragging out the inevitable.

I'm sorry, but you are only telling half the story.  I know Morgan requires you to be 90 days past due before they start foreclosure proceedings.  So what you are conveniently leaving out is they let you borrow thousands of dollars and you decided to take a 3-month long break from paying them.

Whatever your reason for being late, banking is a cold business.  That's why you sign 40 papers at settlement.  They are giving you hundreds of thousands of dollars, and if you miss 3+ months, they take their collateral.

I know it's emotional.  I lost a duplex when my wife lost her job; it sucks.  But let's not pretend we thought the bank was an altruistic institution; they are a bank - their only concern is profit.