[slopez]

HELP HELP HELP!!! Our first is with the nortorious Saxon Mortgage. Our second is with Select Portfolio. Back in January I gave financial info to HOPEnow because we were struggling to make a $3200.00 1st and a $750.00 second with the frist hiking up another 800.00 in August. Impound is separate.

By March I haven't head back from Saxon or HOPEnow so I call Saxon and ask how much I need to pay to catch up. I requested the amount out of my 401K on a hardship withdrawl for Jan, Feb, and March payments. My April I recieve a letter from Saxon stating that I still owe for March because instead of using money sent in for a March payment they paid off late charges! I called to tell them that this was money from my 401k specifically for Jan, Feb, and March and the late changes were not supposed to be paid. I was reassured that my account was going to be "re-analayzed" and they would redirect the late charges back and apply to my March payment. My biggest mistake was believing that this was going to be taken care of.

It's now May and we have fallen behind again and are two months past due for what we think is April and May payments. We are desperate and running out of time! By May 12th I still have not heard anything on a loan modification from Saxon or HOPEnow. I call HOPEnow and was told my info was lost/no records. I start all over and give my financial info again. Saxon won't transfer me to anyone other than a collector.

By May 15th a company called (name removed) claims that they can help us do a loan modification and that they will do all the negotiating for us for a small fee of 4k! We gave them our financial info and they send the packet over to Select Portfolio and Saxon. We paid them on May 15th and was instructed NOT to pay our mortgage but not to spend money either.

It's now June 20th and Saxon just sent us a letter dated June 17th stating that we still owe for March (they never reversed the late payments as mentioned above) April, May and June and they have begun foreclosure proceedings. I called them to dispute the March ordeal and also that we are working on a loan modification with them. They demanded the past due amount, transfered me numberous times, and eventually I was hung up on!!

June 26th and I called (name removed) to find out where we are with Saxon They say it takes two weeks to be assigned to a saxon midigator which should be Mid July and then another 30 - 45 days to re-work out loan providing we get approved. In the meantime I am sick to my stomache and petrified that I am going to loose my home....

Select Portfolio gave us a "Fresh Start" program where I make 3 on time payments the 1st for the regualar amount and the last two slightly higher payments and then we are able to request a loan modification starting the process with them.

Am I missing something or is there anything else I can do???