I requested a reassement of my house in November 2008 and I was told by someone in the insurance division that they would reassess and let me know if there would be an adjustment to my mortgage and that never happened nor did I receive any documentation regarding my request on November 20, 2008. I also was told that I qualify for a loan modification in late February 2009 based our income, profit & loss statements (dated February 10, 2009) and other information that was faxed to them. The customer service representative (their customer service is located in India) told me I would be contacted within 10 business days and that never happened.

I then called the main number (877-304-3100) on March 2, 2009 and complained that the loan negotiator has not contacted me. That person then transferred me to loan negotiator Michael Tsataros (ext. 66164 - he’s located in Florida). My husband and I talked to him about our loan and he told us we do qualify but all modifications were on hold because of the stimulus plan approval and that we should check in with him on a weekly basis. I proceeded to call and leave him messages about once a week and he never returned my phone calls nor did I receive any sort of written documentation detailing the terms/status of the proposed modification. Please keep in mind I have left him a total of five messages as of today.

The second week of March we received a letter (dated March 9th) that we were denied the loan modification because the investor would not allow it at this time. After pleading with multiple customer service representatives in India they gave me my investor’s name: Harborview Mortgage Trust and Loan. When I asked for Harborview’s phone number they refused to give it. I told them I wished to get directly in touch with the company who owned our loan and they said they would not give any contact info and that such disclosure is “against the law”.

After many Google searches for this company all I found were lawsuits pending regarding Securities Fraud. On March 25th I called AHMSI insurance division (800.278.9939) and spoke to a representative in Nebraska and I once again had to explain my situation she then advised me to call this same number and select the Spanish option in order for me to get someone stateside. I was told to fax my written request for the investors contact information to the attention of “The Resolution Department” (their fax number 866-795-6529) and I did fax my written request to this department. I received a computer generated letter that basically said I had to wait 60 days before I will hear if anything at all. I can see that your fax numbers change consistently and you changed out loan number without letting us know and had the nerve to charge us a penalty.

It’s quite unsettling dealing with this company in general and I really don’t feel secure with exactly where my money is going and how it’s being handled. I have filed complaints on consumeraffairs.com and with my local government.