- Report: #114736
Complaint Review: EMC Mortgage - Irving Texas
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Author Confirmed
Why?
EMC Mortgage
PO Box 141365 Irving, 75014-1358 Texas, U.S.A.
Phone:
800-723 3004
Web:
N/A
Categories:
Business Rating:
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Tell us has your experience with this business or person been good?
EMC Mortgage Corporation EMC non responsive to requests for payoff Questiional charges added to my loan refuses to cooperate with my lawyer FILED CHAPTER 13 TWICE TO SAVE FAMILY HOME Irving Texas
My mortgage loan was originally with UC Lending corp then wad purchased by EMC Mortgage co which has been a nightmare for us. The property taxes weren't paid from escrow as stated they would be and It took several calls to their office to attempt to get the taxes paid.
This was only the beginning as The real problems started in 1999 due to loss of employment payments were behind and EMC didn't want to work with us or respond to many requests by certified mail and also E mail to attempt to work out repayment. The amount owed was constantly changing and rude calls were coming every few days. Finally Chapter 13 was filed and the plan was confirmed and discharged. Immediately after the dankruptcy was discharged we recieved notice that EMC was going to foreclose on our home. EMC stated we were 3 months behind when we completed the chapter 13 plan.
Our lawyer never staqted that any other pmts were to be made except to the court and upon completion the loan was to be current. We called EMC again with no success in being able to get a payoff amt from the EMC office and also called EMC lawyer, Mr. Sterns office with no reply also sent several emails and more certified mail. Here it is again in June 2004 refiling chapter 13 refusing to give up our home to EMC and be another victim. Thus far they have added over 20,000.00 in fees on to the loan and dropped theInsurance homeowners policy we've had for 15 years without renewing it and placed a forced policy for only my homes value and not any contents or liability coverage with an Insurance co they chose.
Then September 2004 we were hit with Hurricane Frances and again by hurricane Jeanne. Our home received wind and water damages to roof, window, door and storage bldg roof collapsed. The insurance inspector for Assurant group came to inspect and stated we'd recieve a letter in 10 days stating what they would pay on the loss. In October, We recieved letter stating the check was mailed to EMC Mortgage company and are waiting for Their reply to send the funds to repair our home. The chapter 13 trustee wont tell us anything and EMC has not sent the insurance funds and our home is waiting to be reapired as we havent the extra funds to fix the damages.
We are current in making pmts to court and have lawyer waiting on a response as usual from EMC. We will continue to fight to save our home. EMC should not be allowed to conduct business in such a manner where they prey on people with problems.
Thomas
Satsuma, Florida
U.S.A.
This was only the beginning as The real problems started in 1999 due to loss of employment payments were behind and EMC didn't want to work with us or respond to many requests by certified mail and also E mail to attempt to work out repayment. The amount owed was constantly changing and rude calls were coming every few days. Finally Chapter 13 was filed and the plan was confirmed and discharged. Immediately after the dankruptcy was discharged we recieved notice that EMC was going to foreclose on our home. EMC stated we were 3 months behind when we completed the chapter 13 plan.
Our lawyer never staqted that any other pmts were to be made except to the court and upon completion the loan was to be current. We called EMC again with no success in being able to get a payoff amt from the EMC office and also called EMC lawyer, Mr. Sterns office with no reply also sent several emails and more certified mail. Here it is again in June 2004 refiling chapter 13 refusing to give up our home to EMC and be another victim. Thus far they have added over 20,000.00 in fees on to the loan and dropped theInsurance homeowners policy we've had for 15 years without renewing it and placed a forced policy for only my homes value and not any contents or liability coverage with an Insurance co they chose.
Then September 2004 we were hit with Hurricane Frances and again by hurricane Jeanne. Our home received wind and water damages to roof, window, door and storage bldg roof collapsed. The insurance inspector for Assurant group came to inspect and stated we'd recieve a letter in 10 days stating what they would pay on the loss. In October, We recieved letter stating the check was mailed to EMC Mortgage company and are waiting for Their reply to send the funds to repair our home. The chapter 13 trustee wont tell us anything and EMC has not sent the insurance funds and our home is waiting to be reapired as we havent the extra funds to fix the damages.
We are current in making pmts to court and have lawyer waiting on a response as usual from EMC. We will continue to fight to save our home. EMC should not be allowed to conduct business in such a manner where they prey on people with problems.
Thomas
Satsuma, Florida
U.S.A.
2 Updates & Rebuttals
Heidi
Hendersonville,North Carolina,
U.S.A.
mortgage increase due to escrow
#2Consumer Comment
Fri, November 12, 2004
this mortgage company needs to be shut down. i have hadnothing but problems from day one. for instance my house was involved with a bankruptcy but has now been discharged. i have asked them repeatedly to do an escrow analysis on this account and they agreed, well needless to say it was never done. i spoke with dave and asked him why and he told me that as long as the house was still in bankruptcy they were not allowed to do one. so i asked him to look and see what his records show as far as it being discharged and he said in september of 2004, well the escrow analysis was done in june of 2004 so he lied again. they increased my payment by 600.00 a month. i have gone to lawyers and they tell me i have a case but they dont have time for it. i need help. please contact me [email protected] we need to do something about this company.
Thomas
Satsuma,Florida,
U.S.A.
Same deal, just another day
#3Author of original report
Thu, November 04, 2004
Call EMC Last week and talk to Dave in admin. He told me the check and paper work was in the mail, but to sign paper work and they will send the money for Ins. claim. I have not seen it yet ant I'm not sure what they want me to sign.
