New Century Mortgage Corp. Lying Theifs, trying to FORCE foreclosure, Mismanagement of MY money!! Totally Disgusting Business Ethics, Did I say THEIFS!! Los Angeles Santa Anna Irvine California

Just to set the scene....In 2000,my husband had a serious back injury resulting in surgery and no income for 2 yrs.There is a pending lawsuit and it was pure hell but we managed to hold onto our farmhouse we've had for 15 yrs.Our wonderful credit got shot to hades but he was released and worked 2 1/2 more yrs. We got our credit back up to the mid 600's and decided to refinance and put in 15 new windows to help with rising oil prices. Because our credit was still less than perfect, we ended up with New Century.We knew it was a 2yr ARM but felt we would be settling the lawsuit before the 2 yrs. was up, But it looks like New Century is determined to take our house before that!!! In Nov 05' he got hurt again. We are surviving on 1400.00 a month workmans comp.and whatever I can bring in with a little side business for I am also in need of a second back surgery.Our mortgage is 800.00, health ins. is 650.000.I'm not looking for sympathy, just setting the scene.

Up till May, we were getting the job done. Couldn't afford ANY stupid money mistakes. We fell behind in May. When we were 2 months behind we talked with New Century and they said just don't fall that third month behind or we will have to report it to the credit bureau and start foreclosure.We had about 1500.00 left in escrow(after they took out the 1800.00 for 05's)) for 2006 taxes and asked if there was a way to get that out to catch up the 2 payments we had fallen behind.They basically laughed at such an "absurd" idea and told us NO.

We skipped all other bills and mailed out a payment on May 25, knowing it should be there by May 31, the date they told us it HAD to be there by. On June 2nd they called ask where our payment was???We told them we had mailed it . They said they had NOT recieved the check. Panic set in.We told them it HAD to be there.We asked if they could give it another day or two, maybe it got hung up somewhere,and they said,"NO"and they said if and when they did recieve it, they were just going to return it with a registered letter with intent to forclose. My husband BEGGED them to PLease accept it. They said absolutely no. They would not cash it, we were too late.I heard my husband begging them in disbelief," You mean to tell me when my check gets there you WON"T apply it to my mortgage???"They said "Absolutely Not" They told us over and over they WOULD NOT cash it.

We decided to take that money and pay the other bills we neglected that month so we could pay the mortgage. We sent out checks and one was for my health insurance. I started to get Bounce Protection fee charges for covering the bills I sent out. Thirty dollars for 15,00 dollar checks and such. When I called my bank, Guess who cashed the mortgage check? I was sick!! I mean , at least we held off forclosure papers but it totally ruined us in bounced check fees, bounce protection fees, bad check charges.

Then, to top it all off,we recieved INTENT TO FORCLOSE and ACT 91 papers!!!!!

I was stunned.If they cashed the check, we were NOT 3 months behind!!By the time we got to the bottom of things, my health insurance check had been submitted 2 times. That's 30.00 charges both times and my company charged me 50.00 for writing a bad check. The fees we paid on all those checks went into the HUNDREDS!!!!!My account is now in the negative and because of this we DID NOT have the money for the next mortgage payment.
When we called New Century to ask them about all this, the guy was soooo rude and said, "Well, why are you angry??? You sent the check to be cashed and we did what you wanted!!"We kept telling him we were told there was absolutely NO way they would cash it.He said he had no proof we ever had that conversation. Why in God's name would I write out 7-8 checks knowing they would all bounce!!!He kept insisting New Century did nothing wrong and these wrer all our own personal problems!!!!I asked him to check the tape recordings they make and he said that was not possible, it's only for training purposes.He put me on hold and checked around and came back and said that after our conversation on July 2 , our check showed up on somebody's desk and it in fact WAS in their office by May 31st,so they cashed it. I asked why didn't they call and tell us they changed their minds and cashed it?New Century was under no obligation to do that.I said it would have just been common courtesy. He said the fault lies with our Bank for charging us those fees!!!He would not admit ANY responsibility on New Century's behalf at all. He said New Century did nothing wrong.I said it was just BAD BUSINESS and he said no it wasn't!!! I asked, Well, if you cashed our check and that put us only 2 months behind, why did we get ACT 91 papers???" He said,:"Oh, disregard those papers, but pay very close attention to the ones we stuck in the mail yesterday!!" What a scumbag.The stress is disgusting dealing with stuffed shirts like that. Where do they get these NASTY people. No compassion to even show sympathy for what this did to us financially. He said I was making a big deal out of a non-issue!!! I freaked on him.

OK, so now we are in forclosure.But as if they haven't been stupid enough,Today I recieved lien papers from a lawyer representing our school district. Our taxes were due in Septemper 05'Since our taxes are escrowed that shouldn't be a problem. We checked on something in November and it was brough t to our attention that our school taxes were not paid. We called New Century . We had to fax our tax paper to them and were assured it would be taken care of. A month later, we were contacted again, again a call to New Century, Oh, we have no record of your tax papers, could you please fax them to us again. FOUR TIMES we faxed them to New Century. Then in May we recieved a legal notice from the school districts attorney that we were in delinquency for non payment of taxes!!!! Now we call New Century SCREAMING at them because now there are penalties involved and our money was there on time to actually get a discount for EARLY payment!!!! On our next statement from N.C. it shows where they took out the money for escrow disbursment. Wow, finally!!! Right??? WRONG!!!!

Today, I recieve papers that they have now placed a lien against our property for non payment of 05's taxes!!!! I'm freakin sick over this. We are trying to borrow money to get out of forclosure and telling everybody we have no liens against our property, and now this, WHERE IS OUR TAX MONEY THEY TOOK OUT IN MAY????? It seems a little suspicious that they are messing with our tax money when we need our funds and credit to be as good as it can to get our house out of forclosure. Or is this how they do it??? Is this all part of a big scheme to get our house??? And to top it all off, we found out that back in June when we were only 2 payments behind we most certainly could have closed our escrow account with the remaining 1500.00 in it to catch up.

How can this company still operate?? Aren't they in some violation somewhere??? Can anybody help us???? We can not lose our home. We have had it for 15 years. To try to buy another here in the Poconos would cost us 4 times what we paid for this. Or is that the key word???Poconos??? with gambling on the forefrunt is that what their sick minds are thinking in trying to get this from us????In a few months we will have a substantial settlement to pay those b--t--ds off. Can we hold on that long??? Help !

Laurie
Effort, Pennsylvania
U.S.A.