Consumer reviews and reports on scam companies, bad products and services
PHH Mortgage
PHH Mortgage, Mount Laurel, NJ The Mortgage scam Company! Mount Laurel, New Jersey
16th of Jan, 2011 by User757138
Basically my report goes like this:


I had worked hard for a long time and had finally gotten the money and credit to be able to get a home loan for the purchase of the home that had belonged to my father's mother. The house had been in very bad shape, so my dad helped out my then-husband and I to get the money to tear the old home down and build a new one on the lot. We got our mortgage through PHH Mortgage in 2006, and were doing well. I had my teaching job, and my then husband worked for a local water purification company.


In June 2007, my estranged husband was arrested for sexual assault of a child - the accused was my daughter from my first marriage, and by May 2008 he was in prison. Obviously we got divorced, and I had been in a position of losing my home. I contacted PHH Mortgage, and spoke to Michael Phillips, who had been very nice and assisted me greatly with telling me what I needed to do to see if I qualified for a remodification of my mortgage under the new government rules. I qualified, and he sent out the paperwork, telling me that I need to send in $982.05 per month, starting on December 1st, 2008. I got the paperwork back before the due date, and sent my payments in as requested at the beginning of the month. I did this for 2 years without a phone call, letter or e-mail about anything being wrong.


On August 20, 2010 I received a letter from PHH stating "Notice of Intent to Foreclose". What???? I immediately got on the phone (at 1:30pm CST) to speak to someone to find out what had been going on. I waited on the phone for over an hour to speak to a woman to be told that I had to speak to "Jason Clark" or "Samantha Webb". She gave me the e-mail addresses of both, and connected me to Ms. Webb's voice mail. I left a voice mail with my loan number, what I was calling about, and the number to reach me at (my cell). I did not get a call, a return e-mail or anything.


I continued this very cycle for over 3 months. When I would finally get to speak to someone, they would tell me that they couldn't help me and that I had to speak to "Jason Clark" or "Samantha Webb". I would get a voice mail of one of them and leave my message, and then wait. I kept documentation of the dates I called, the times, the individuals I spoke to, what was discussed, and the time I was placed on hold and then was spoken to again. I jumped through hoops to try and get answers!


Finally in October (ironically) I spoke to a Loan "processor" named Deb. She told me that my remodification hadn't gone through because my ex husband hadn't signed it. When I explained what I had been told, and all that had happened, she stated that I had needed to send a copy of the divorce decision and then they would do a remodification of the remodification. They did alright - my original payments were $1,210 a month; the first remod. took them to $985; the new modification took the price per month to $1,397! They tacked on penalties, interest and fees from the time I had been paying my remodified price but they hadn't told me about it not being active.


I am contacting an attorney because I don't find this to be legal or ethical! I continually contacted them, and tried to get answers, and told them to tell me what I needed to pay - I would pay what they wanted. But they never were up front with me. The are now making ME pay for THEIR mistakes, and I don't think it is right! And then I find the sites like this one and others that people are telling stories that are suspiciously like my stories! I don't think it is fair!!


I am not looking for a handout, but I do think that if someone makes a mistake they should have to own up to it and fix it. Making me pay for their mistakes are not wrong!!!!


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