I was forced into signing a modification of my loan, which I was later told I did not qualify for, leaving me behind on my mortgage. When I asked what I could do to get caught up, I was told that I would qualify for a forbearance for six months and they would work out a payment plan with me at the end of this time to bring me up to date. After six months, they stated that I did not qualify for a repayment plan, that I dd not make enough money. During this time, I was getting nasty collection letters, when I called Everhome I was told to ignore these, that by law they had to send them to me. That as long as I was working with them, they would not foreclose. I had been saving these six months so that I could make payments. Now they say that I have to try and qualify for another modification. After I sent in the paper work with the help of a mortgage counselor, I got a letter saying that my house was in foreclosure and that there would be a sheriff's sale next month. I firmly believe that they led me down this path on purpose. Now I don't know who to turn to.

My loan was sold to Everhome in early 2000. I fell behind in the payments, which I am well aware was my fault. In 2001, I filed Chapter 13, with full intent of repaying my loan, and ultimately did. However, in 2008, I found that a partial claim was filed on my behalf in November of 2001. When I asked for proof of the claim (I did not request, nor did I receive the claim), Everhome, nor HUD could provide any proof. I should state that my Chapter 13 was filed in early November 2001, and the claim was filed like 10 days later. The only reason that I found out about the claim was because of falling behind again in my payments. I applied for a partial claim to catch up my payments in 2008 and was informed of the prior partial claim. I was told since I previously had a partial claim I could not receive another. Long story short, Everhome Loss Mit department could not find any paperwork to prove the claim was ever filed. Also HUD could not find any documentation to back up the claim. My opinion is that someone from Everhome pocketed that money thinking that I would never pay off my Chapter 13, and my home would eventually be foreclosed on, or I would pay off my chapter 13, and no one would ever find out about the partial claim. I eventually had a modification of my loan and that brings me to another problem with Everhome.

My loan was modified in January 2009. In the modification, Everhome was supposed to add over $2, 000 back into my escrow account and add it to my principal. Well they did add it to my principal, however never added it to my escrow. Since this created a shortage in my escrow, my payment went up over $200. per month. This created another issue with me making my payments on time. I called Everhome almost daily and requested that they document my phone calls. I tried to get someone, in any department to review my agreement and correct the issue with my escrow. This finally happened in January 2010. I ended up having $1775.01 as a suplus in my escrow. I called in February 2010 to have the surplus applied as payments. I was told that would happen. Well long story short, it never happened. Now I have tried, called repeatedly, and requested the surplus be applied. To this date, this has not happened. Now guess what? I am in foreclosure because they did not apply the surplus, which I thought they did, then I made an $800. payment and they added it to a suspense account because of my payments being behind (they would not have been if the surplus was applied) Now I owe some attorneys fees, inspection fees, late fees, among other things. DO NOT USE EVERHOME MORTGAGE FOR YOUR HOME LOAN. THEY DO NOT DO WHAT THEY SAY AND WILL NOT INVESTIGATE ANYTHING!!!

they reported that my payments were late when they weren't

Escrow held for paying of 2011 taxes is being held in excess of $800. Everhome refuses to return, refund or credit this amount to principal. They also refuse to pay interest on the funds.

This is a National scam which needs some press attention.

my house has been on short sale status with EverHome Mortgage for a little over a year. Our loan is owned by Fannie Mae. We have had several offers each offer higher than the last offer and higher than any house that has recently been sold in my community. Yet EverHome takes no less than about 4-6 months to send BPO's to appraise our house after an offer has been submitted to Everhome. Causing many buyers & realtors to loose interest in EverHome even attempting to acknowledge or even start the approval process. I call Everhome Priority Department all the time and speak with Amy and a Robi Tracy our negotiators have changed at least 2-3 times. Currently Elinda Murphy is our current negotiator who never returns any of our voicemails, and when we speak to her, she literally tells us, "she will get to us in the order which she receives and currently we are not up"

Please help me, we have been trying to do whats right from the very beginning even though we were robbed blind of $80, 00 cash with a screwy loan. Plus uncontrollable financial circumstances.