...EVERY CUSTOMER SERVICE REP I HAVE SPOKEN WITH HAS A DIFFERENT ANSWER FOR THE SAME QUESTION...WE ARE CURRENTLY 2 MONTHS BEHIND ON OUR PAYMENTS DUE TO FINANCIAL HARDSHIP...WERE ON A REPAYMENT PLAN AND ACCRUE LATE FEES EVERY MONTH...ALSO WE NOTICED THAT OUR ESCROW IS NEGATIVE OVER 1 THOUSAND...IN THE PAST IT WAS SHORT TOO...WE IGNORED IT AND TOOK US ABOUT A YEAR TO CATCH IT UP...WE DON'T KNOW TOO MUCH INFO ON HOW THE ECROW PROCESS WORKS...THEN RECENTLY WE RECEIVED THE YEARLY PROPERTY TAX POSTCARD IN THE MAIL AND IT STATED THE VALUE OF OUR HOME DROPPED DRAMATICALLY SO THERE FOR OUR PROPERTY TAXES SHOULD BE A LITTLE CHEAPER WHICH IS INCLUDED IN OUR MORTGAGE PAYMENTS...AHMSI SAID THE PAYMENT WOULD STAY THE SAME AND WHEN I ASKED WHY?...I WAS PUT ON HOLD THEN THEY HUNG UP ON ME...BEFORE OUR HARDSHIP STARTED I NOTIFIED AHMSI AHEAD OF TIME SO WE COULD MAYBE HAVE SOME OPTIONS SINCE WE NEVER MISSED A PAYMENT FOR 4 YEARS...I WAS TOLD A MODIFICATION PACKAGE WOULD BE SENT OUT ASAP...AFTER 1 WEEK I CALLED THEM AND THEY TOLD ME TO BE PATIENT IT SHOULD BE THERE SOON...ANOTHER 2 WEEKS WENT BY AND I CALLED THEM THEN I WAS TOLD WE ARE NOT EVEN ELIGIBLE?????...ABOUT 1 WEEK LATER WE WERE SENT MODIFICATION PAPERS WE SENT OUT 2 YEARS PRIOR...THE SAME EXACT PAPERS THEY SAID THEY NEVER RECEIVED????...OUR REPAYMENT PLAN IS ABOUT 400 DOLLARS MORE A MONTH FOR 13 MONTHS...TWO PAYMENTS AGO I WAS ASKED HOW I GOT THE MONEY TO MAKE THE PAYMENT AND I TOLD THEM WE HAD TO BEG AND BORROW FROM A FAMILY MEMBER...THE CUST. SERVICE REP SAYS" I AM GLAD TO SEE YOU BEGGING SIR"?...WE ARE CURRENTLY WAITING FROM THE NEGOTIATOR FROM AHMSI TO GIVE US A RESPONSE ON THE HAMP MODIFICATION WE APPLIED FOR...UPS KEEPS COMING TO OUR HOME EVERYDAY TO GIVE US CERTIFIED MAIL...AHMSI SAYS IT IS A LETTER OF INTENT TO JUST IGNORE IT?...WE DON'T KNOW WHAT TO DO?...MY WIFE AND I HAVE 2 CHILDREN AND ARE STRESSED OUT TO THE LIMIT WITH THE HOLIDAYS RIGHT AROUND THE CORNER AND DON'T KNOW WHAT TO DO...IF YOU HAVE ANY INFO THAT WOULD BE HELPFUL IT WOULD BE GREATLY APPRECIATED...WE DON'T KNOW WHO WOULD HELP...THE LAST TIME I SPOKE TO A AHMSI CUST. SERVICE REP ...I TOLD THEM WE DON'T KNOW WHAT TO DO?...HE RESPONDS BY SAYING..."SIR, JUST MAIL US YOUR KEYS"...


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my loan started being serviced by American home mortgage servicing inc beginning in march 2009 prior to that it was being held and collected by citi mortgage, i made payments on both loans i have being serviced by ahmsi, one of them is a rental house i built next door to my home i owe 258000.00 i normally pay like clockwork the payments together somewhere along the lines ahmsi got messed up and said they did not receive payment on the next door property in june well i then recieved a letter saying they where in receipt of my payment and everything is OK. i was in a bad motorcycle accident in July and di miss July payment but in august made up for it by sending two payments each, august, Sept they recieved payment then in august 24 2009 i got a letter saying i am in default for non payment and the fees had accumulated to 10, 000.00 for foreclosure i didn't know i was in foreclosure until someone knocked at my door and wanted to inquire about the house being in foreclosure ? what?, while they were standing at my door the phone rang and it was another person or broker requesting information about the foreclosure this was completely wrong information i spoke with the ahmsi company they said if i would make a payment arrangement with them to the tune of 5500.-00 payable in three payments (3) ?? thats 16500.00 i could hold off on the foreclosure ? i did not agree to this meanwhile i sent in Octobers normal payment and they sent it back with a letter stating that it wasn't the correct amount i owed, after speaking with customer service a man rep said that the check was sent back because it was on a personal sized check and not a business size check? what the HE** did that mean? so all the while my other loan was current on November 11, 2009 i received a call from my bank saying that im 6600.00 overdrawn, OVERDRAWN? i had 13000.00 in the bank just yesterday, where did the money go? it seems American home mortgage servicing drafted 9900.00 electronically from my bank account without my knowledge, and received a check for 2312.00 on the other loan all this money was applied to a loan that was current in payments, 9900.00 plus 2300. totaled 12200.00 they said on the website that 7800.00 was applied to my foreclosure and placed in suspense, and that my other loan wasn't to be paid til march 2010, i never received any conformation as to my money being deducted or even received from this company, and only 7800 placed in suspense funds, it would take an additional 7800.00 to bring the loan current? that's 15600.00 in fees? but what about who gave them authorization to do this draft in the first place? i have four other loans with other loan companies and had to explain why my checks were bouncing? so as it stands today im still not notified in any way that American home mortgage recieved any money how they got the money, my bank statement shows 9900.00 drafted and placed into the wrong loan number. ive made complaints with the BBB, FTC, and thinking about complaining to HUD. this was totally wrong for this drafted money to be taken from my account. as it stands they have raised the principal balance on my loan and not applied the payments correctly, escrow is way too much money and don't t even add up correctly. they have raise the principal around 2000 dollars, i did nt agree with the default or foreclosure in the first place and would not have paid the fees they attached to my loan . i dont agree that i was even behind in any payments now what do i do? who is here to help? im ambivalent in filing any home modification with ahmsi because of reading complaints and horror stories from other people . ALL THE COMPLAINING IN THE WORLD ISN'T STOPPING THIS COMPANY FROM TAKING MY HOME .

I received a foreclosure notice from them. Does anyone knows about mortgage notes ? Yes, they DON'T HAVE OUR MORTGAGE NOTES, therefore they can not foreclose on anything. I wanted to purchase my house, get away from the vultures so I requested the blue ink copy or my mortgage note for months. Spent hours with people from India. They never responded. I stop to pay the mortgage because that is the only way to know if they have the note.

My past mortgage company was purchased by AHMSI and it has been trouble since. I called to see if my payment was received and I ws told that I could not make my payment online any longer due to a bankruptcy. even though my house was not included in my bankruptcy. I spoke to a supervisor and only the policy was recited to me. From the customer service person to the supvisor was very RUDE and abrupt. My next call was to find out why they were not reporting my payments to the credit bureau and I was told it was my bankruptcy. I asked to speak to a supervisor and I wa stold "what is the question I can help you" I asked again for a superviosr and she said "I can answer your question" I believe this compnay hires the RUDES people thye can find. I feel as if I am under a rock and a hard place and they know it so they can treat you any way they want. There has to be something that can be done.

OptionOne & AHMSI, I got behind with OptionOne over a year ago, it took them 6 months to do the follow up on the financial analsys form I faxed to them. I finaly got a loan mod, after I made 6 months worth of payments. Then a pkg shows up at my house, I called them to try and find out why the payments were not lowered and the intrest rate was not lowered as I had been tol it would be. They told me to sign them or lose the house, I was left with no choice but to sign them.
Then I find out a month later that the loan was now with another company, only by the Western Union Instruction that OptionOne had sent would not work. I called and found that the company was not AHMSI, I asked why I was not informed of the change and the new Western Union instructions not supplied, I was told they were mailed to me the month prior. I never received them. I made my payment, on time for the next month I recieved calls telling me I had not made my payment, once I told them to check they said it was there and I would not receive any more calls, this went on for 3 weeks with no break on a daily baisis and multipule times in a day. I had to send them a cease & desist letter to get them to stop.
Then I get notice that my taxes had not been paid, I called and was told they would be paid within the week, this also did not get done, untill they paid the October payment of taxes then they paid them both. They also have the incorrect porperty address, I have asked them over and over to correct the address. They tell me to send in a letter and a letter from the County telling them the property address, I have now done this 5 times and they still have not corrected it! They have now asked my insurance company to change address on the policy, my insurance has also refused to do this as well. They have also sent a letter to the mtg co explaining why they will not change it.
Now I have run into some financial problems, and they are refusing to do another loan mod, since I just did one with their co less than a year ago. I did not do a loan mod with AHMSI it was with OptionOne. So I am going to have to have a company negioate with them as my only option.