So glad to not be alone, yet I feel for others like us, having to work, deal with these people.
This first complaint is like many others.

Bought our home in March of 1999, we as lot of other Americans do, we refinanced. After a few more years we refinanced again, and the last time was approx. 4 years ago, right before this economy took a crap.

Our loan is through Fannie Mae, yet the servicer at that time was Flagstar.We had okay dealings with Flagstar, which we had to. Like a lot of us, we had to file for the Hardship Program. We got accepted. Our monthly mortgage was before the hardship was $2, 048.30 (OUCH) We had sent in all of our letters, our check stubs, all that was needed. We got accepted, for this hardship.

We had spoke to a lady by the name of Patricia L. very friendly, and really wanted to work with us. She got our payment down to $683.00 per month for three months, then we had to do this all over again yet we had gotten approved for another modification with Flagstar, basically another trial modification. We then filled out the paperwork and sent in all required papers to Flagstar for the Hamp program.

Okay, NOW, on the sixth payment, third payment of the second modification, Flagstar SOLD our loan to what we call """"""""""""""""""""""""""""""""""""""""""""""""""""""THE NIGHTMARE from HELL mortgage Company"""""""""""""""""""""""""""""""""""""""""""'""""""""""""""""""""""". """""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""NATIONSTAR""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""".

here now its time to pay our third installment of our second time around modification, and we receive a letter two days before its due saying they ""SOLD"" our loan to Nationstar... Having nothing but this paper saying we sold your loan to this Company..

NO account number, NO address, NOT even a phone number. We look them up on the internet, find this Nationstar, and they have NO information on us and NO information to give to us. We call Flagstar, they tell us; we have sold your loan, and you no longer have the account with us, and to contact Nationstar to find out where to send payment... (OOPS) payment is now late and we are now in default... Finally, after a few months, YES a FEW Months, we finally know where to send the money to, but its not the $683.00 its the full amount along with the months, we are now behind...

At this time, the ECONOMY, is really in the crapper, and Im not working, my husbands business has slowed down to a minimum and we are barely making ends meet. We cut back on everything, food, lights, clothes, gas, electricity, ETC. We're living sometimes off the means of our friends and family. (Thank you to Dave and Karen Wiley, Mr. Steven Hallsted and the others we were able to pay back)

At this point, Ive given up, thrown my arms up and said F*** it all... So my poor husband now is in charge of everything, bills, dealing with Nationstar, working and trying to provide for his family...

One day I over heard him talking to Nationstar (Chad) OMG-ness this boy/man/rude person on the other end couldn't be from our mortgage company. Well, it was. He was yelling and cursing at my husband putting him on speaker, then cracking jokes, like Are you on drugs Mr. B. finally after Chad hung up on my husband, thats when I decided I would take over the mortgage company. Not to say I was going to find someone nicer, or I would even be nicer, yet I needed to give my husband a break from the insanity of Nationstar.

On July 1st of this year, I took over. I have recordings of all I have spoke to, I have recordings of them after they ask me all the Pertinent Information, I ask for their name, they hang up on me. I have all the Dates, times, and how long these conversations or lack of conversations lasted. Either Ive recorded them or Ive written it down, down to the seconds on the phone with them...

Its now August 24, 2010 and now our dealing are with a lady/girl named Chizo ( Chizbo )~ LOSS MITIGATION REP~ . Some of their names I felt as though I was going into a cartoon. One I talked to was named: Pinkie, OO'kay whatever...
Three days ago she wanted us to send her $2, 048.30 and keep the money they had gotten from Flagstar $1, 376.70

No Modification, Chizo and I had gotten into a bit of a tado and I said I was going to call back. I called back around 2pm central, so about 5 minutes into a conversation I was put on hold by Justin, and Chizo got on the line. This was not looking good. she proceeded to tell me to hang up and call back, as she wasnt going to discuss my file due to she didnt have it on the screen. my replay " this is me calling back, I didnt ask to speak to you, just put me on hold and I will wait. Brian the Manager of these reps. supposedly got on and looked at my file and said our HAMP had been denied. REALLY??? and what time did this happen, I asked, Brian replied, at 2:17pm Central. The next thing out of my mouth was, Uhmmm what a conundrum I just got put on hold with Chizo at 2:14pm and mow my HAMP had been denied? Chizo, whatever she did, she did wonders, he replied... Yes, she sure did, my response to him...

So now, our home is going up for auction on the 16th of September, 2010 at 9:30am

Chizo called today and told my husband we had to pay by the 26th of August $4, 098.60 and we have NO idea if we will get qualified, if not we just gambled our money away...

These people here at this Company, have lied to us.

1st lie made by Chad: We never received any type of paperwork, yet we have the fax sheet that says he received it all 31 pages

2nd lie made by Chad: telling us to send him $683.00 for what, we're still unsure. maybe he wanted us to pay his back child support, naw, now we know.


3rd lie made by Chizo: I really want to work with you to safe your home

4th lie made by Chizo: we need a contractual payment of $2, 048.30 by the 26th of August, (which) this lie runs into the lie that was today.

5th lie made by Chizo: We need $4, 098.60 by the 26th of August, 2010

So my friends, this has been OUR story dealing with ==============NATIONSTAR MORTGAGE===========

THE LONG AND SHORT OF IT, THEY DON'T WANT TO WORK WITH YOU. They will take your money and the Free Government money and DENY, DENY and DENY!! Just waiting for housing prices to go up. we are the tenants, and caretakers of our homes, yet their not paying us to take care of them...

Did you know this: The HAMP program has only qualified 31% of the people.

The Government set aside 50 billion dollars, yet has only used 1.5 billion in a year and a half

For one, the banks don't want to do the paperwork, they take the money and collect interest on it, you know the FREE money the government has given them

Second: People are paying off their mortgages that aren't worth the value of their home. Ex: they are depleting their 401k's (if they have one), borrowing money (if someone has the money to loan them.)

Americans need to take a stand, call your congressman, write them letters, do whatever it takes to make them listen. Don't make any deals unless you know exactly what your getting. Take that last Stand, don't do upgrades to your home, thinking your going to get approved, cause the LOOONGG and short, the chance of you being that 31% who get approved, is slim to none. Good luck!!

AS FOR NATIONSTAR, YOU CAN TAKE OUR HOME, AND MAKE IT YOURS... WE SURVIVED WITHOUT YOU FOR YEARS, AND WE WILL SURVIVE WITHOUT YOU AGAIN. Karma, is a Bit** so to all those folks that we spoke to at Nationstar, remember us in your dreams, because when its your time, you will be judged by the one and ONLY!!!

R. and P. Blakeley
You know us!

God Bless you and your family, may you reap in the sorrow you have caused so many!!