Asked for loan modification due to the economy, self-employed builder in MI. Saxon approved loan modification, called me @ work to give me the good news, new terms %, That was in Feb. 2009, supposed to wait for "documents", then have notarized and send back to Saxon, new modified {lower payment} due April 1st2009. Documents never came because Saxon NEVER sent them, we were told NOT to make a payment for March, just modification fees in the form of a cashiers check, Still no documnets. We have faxed Saxon over 150 pages of personal info, were given a loan modification in Feb., now Saxon tells us we owe late fees, face foreclosure. Every time we call, and it has been weekly since Feb., and that is what Saxon instructed us to do, DONT MAKE A PAYMENT, AND WAIT FOR DOCUMENTS, documemnts never were sent from Saxon {confirmed with Fed-Ex] now we are behind, late, added late fees, and 4 faxes of our personal information, every time we call Saxon we are told our file was closed, re-opened, sent for "re-work, documents have been "escalated", we were even told this was not our fault and all late fees would be put to the end of the loan, and would not send negative credit reporting, now we receive a certified letter for all late fees and foreclosure to begin if we don't pay what we were told NOT TO PAY within 30 days. We have receipts of all faxes sent, dates, names, supervisors and no one at Saxon tells us the same story, the day we were told all was well with our modification, not to worry because the documents were on the way is the same day we got a certified letter from them.
Now we are being told we have to re-fax EVERYTHING again to "re-open" our file. This has been an absolute nitemare, we were still current with our payments in Feb.2009, Saxon told us not to pay March, now look at the mess we are in. These people are incompentant and actually get pain to go work and lie.