I am very glad somebody had the wherewithall to create such a forum! I cannot believe how angry I am.
My name is Joe Hildebrand and I am an Option One mortgage customer. I am also a Realtor. I am current on my mortgage and always have been. With the adjustments it hasn't been easy but I am fortunate to be able to work more or harder to cover the difference.
With Option One I would always make my payment online around the 10th of every month. This month I went to sign on and found that AHMSI has bought out Option One. I couldn't care less until I realized that they now want a fee to "process my mortgage payment made online."
You would think they would be happy to have anybody making a payment and would make it as easy as possible for them. NOPE! They are trying to charge a fee! I am ok with this as Countrywide charges a "convience fee" on another home we own. I am ok with it because I knew about it up front. What is the difference you ask?
The difference is I WAS NOT NOTIFIED BY OPTION ONE OR AHMSI IN ANY WAY THAT THE SERVICING WAS CHANGING AND THAT THERE WOULD BE FEES TO PAY ONLINE.
They see that they did not get my intro letter to me but to them that doesn't matter. Basically they can do what ever they want! Well...That may be the case. My only request was that they waive the fee this time seeing how I was not notified. Ms. RITU in India said they will not waive that fee in any circumstance whether notified or not! Fine. I will pay the fee this time. However, they have just pissed off the wrong person!
As a Realtor on the front lines of this ridiculous mess I can do A LOT MORE TO THEM. For instance, I will instruct my clients who are buying a home to find out if their current mortgage can be sold to AHMSI. If it can, I will counsel them on the issues and to investigate other lenders. I will not sell any bank owned REO, short sale, or foreclosure properties where AHMSI is affiliated in any way. I will do all of this and much more.
The American people have been sold a bad bill of goods! We work too hard to be robbed, cheated, stolen from, and just plain held up for "convenience fees." Our government has failed its very people. It is supposed to be by the people and for the people! It is not by the people for the people in BIG CORPORATIONS!
I will make AHMSI life hell and the same for any politician who allows corporations like theirs to fleece us. It is time we all take a stand and it might as well start with me!
AHMSI you are hereby forewarned. You transferred the wrong person to India and have pissed the wrong person off! I HOPE TO SEE YOUR DEMISE AND YOUR EXECUTIVES BEHIND BARS FOR ANY WRONG DOINGS COMMITTED!