Need Help with Fighting AHMSI Servicing Scam

[acesfull]

Hi Cheryl999--- Hang tough you are not alone in this mess.

A few things you may need to do.

1- Send AHMSI a letter and request they inform you who/whom are the INVESTORS on the loan.
2- Send request for a QWR-- Qualified Written Request- about your loan documents.
3- A copy of the original mortgage note.

when you get your next statement, send them a dispute the debt letter and request a breakdown of where and when and to who or whom each penny was allocated to.. This will keep them busy.

You will get thru this mess.

Please keep us posted.

Best regards

Nj-17 Months
Acesfull/HWP

[cheryl999]

Thanks Acesful, I'm hanging tough. I think AHMSI thought I was just going to lay down and take whatever they dished out to me. A QWR has been sent regarding my loan documents and they denied the majority of the information requested using the RESPA 12 act as their excuse. As for the owner, they gave me the name but refused to give their contact info. However, MERS has a different investor for my loan

I like the idea of dispute the debt letter, however they changed my mailing address without my consent so I have not been receiving any mail from them. I asked them to change it back but they have not... I am no longer getting on the phone with them and beg them to correct their own errors....There actions are very strange.

I know AHMSI has committed several violations with my loan so now instead of getting all emotional and frustrated I file a complaint with the federal trade commission and HUD for each violation. Whether this helps who knows. All I know is that I want to leave a paper trail for all the violations by AHMSI of what led up to my foreclosure.

[acesfull]

Hi Cheryl999-- Where are they sending your mail and why? That is very strange even for AHMSI.

Good luck.

Best regards

Nj-17 Months
Acesfull/HWP

[cheryl999]

This situation with AHMSI just gets more weird. Since AHMSI took it upon themselves to change my mailing address to the attorney's office, I haven't received anything in the mail from them; not even my statements. The attorney wrote AHMSI a letter to change my address back but of course they have not done so yet. The attorney office stated that they haven't received any of my correspondence from AHMSI. So, the question is, where is my mail going?

And another strange thing, I haven't made my mortgage payment since February and still no phone calls from AHMSI. Not a one. Has anyone ever experienced this?

[car67]

---

Weird for sure..... Its like this company is a ghost ship.... No one can make decisions, you just get passed around until they wear you down and they scare you out of your home.... I think they have so many cases like this that its simply a ocean of debt and some people pay them lump sums and trial payments and its just toxic debt that will never be formalized?

[cheryl999]

AHMSI is definitely weird to say the least. I just got denied a much needed loan modification and their reason was quite despicable. They wrote me a letter stating that they do not do modifications and since I was NOT current with my mortgage I was denied. By the way they are sending some of their correspondence to my home address.

And my very first post about the servicing scam is quite true. I missed my first payment on March 2012 and March 14/12 they wrote me a letter which I never got but AHMSI rep read it to me a few days ago. It was from AHMSI insurance dept and it said that my property insurance was inadequate because they have my property listed as a house. My property has always been a condo.

Back in Sept 2011 I was late with my payment and on sept 19/2011 the insurance dept placed a forced lender insurance on my property even though I already had this insurance through my HOA.

So every time you miss a payment or late with one you are penalized with being charged outrageous property hazard insurance. Makes absolutely no sense. Go figure???

[cheryl999]

Well the end of road to this mortgage mess is near. Today 05/07/2012 I got a call from my attorney stating that AHMSI denied all modifications/loan restructuring. AHMSI states that since I got a 3 year step ladder 3.5%, 5%, caps at 7.04% modification back in 2009, they will not do another modification.
It's funny because now that I am behind on my payments they send me modification packets and letters to modify my loan. This is so illogical. Why go through this modification process again when they stated that they won't do another modification?
I did not know you were allowed only one modification for the life of the loan. I do not think AHMSI employees even knows this or maybe they do and they just string people along to get more money and then foreclose anyway.

[Kirby'sMom]

We had an in-house loan mod with AHMSI back in 2009. Then, we did a HAMP in 2010. We fell behind last fall because of hubby and I going on disability and him losing his job. We were almost 3 months behind, made a payment, and AHMSI sent it back last month. According to them, we're now in "active foreclosure", by their word, nothing in writing. Also, they keep telling me there is a "sale date" for May 30. But, when I go to our county website, no sale date listed on the 30th, nor are we listed on any other sale dates, through mid August. I got a letter today stating that they can't do another HAMP mod becuase they only allow one HAMP. So, I'm asking for an in-house. The repayment plan (forebearance) they came up with was outragous! They only give us 3 months to pay the past due plus all the frickin' fees they've added since. If they had only kept that payment we wouldn't be so far behind. I had told them we were going to pay two payments in April and then be all caught up as of May. Before we could do that, they refused payments. So, now we'll see if we can get an in-house mod. It seems that everyone I talk to in the retention department has a different amount or story. They're all crooks!! Our "relationship manager" has not returned my calls since Thursday. We were supposed to tell him if we wanted to take them up on the 3 month repayment schedule by end of day, May 4. Well, I could not reach Tony, left him several voice mails. So the deadline passed with no response!! His fault, not mine!
The last two times we dealt with the retention department and got those mods, it went like clockwork. No problems at all. Guess we were due!!

[cheryl999]

Hi Kirby's Mom
What state are you in and what are the foreclosure laws in your state? You are right, AHMSI are bunch of crooks and the home retention dept is pathetic. I have never spoke with my RM a guy named Fernando Amaya. So much for having one point of contact. Everyone I have talked to there have different stories and I never speak with the same person twice and I sure do not trust them. How can you have a sale date when the foreclosure process is active and nothing in writing? Why am I not surprised? It's AHMSI

Good Luck with the in house mod. However, in my case they told my attorney today that they do not do mods since I got one back in 2009. I hope your case is different.

Keep me posted

[Kirby'sMom]

We're in Wisconsin. And this would be our third loan mod, so they didn't tell your attorney the truth!! Surprise, surprise!!
In our state, I was told foreclosures can go as quick as 6 months. But, that's after you have a judgement entered and we haven't had that happen. I talked to an attorney in my town yesterday and she said when they tell us we have a sale date, ask them what the case # is and the date that the foreclosure judgement was entered. That should shut them up, she said.

[cheryl999]

I like the attorney's advice
Yeah I know AHMSI lied. Since I've fallen behind on my payments and the NOD is around the corner, they send me modification packets and letters to modify even though they just denied me. Go figure.

[cheryl999]

After all this emotional turmoil, fear, anger, desperation that I have had around this mortgage mess, I thought just letting my house go was the answer, but I cannot just let AHMSI take my house without a fight. It is just plain wrong on what they have done and if I just walk away I feel like they have won and knowing me I would not be able to let it go inside of me after I'm no longer in this house because I would regret not fighting especially if they do not have proper legal standing to do so and after all their errors that I've endured by them at my expense. I have been following Freedomwoman's, Acesfull's, and Jeffrey's story and I admire their persistence, tenacity, and focus. Also I've been reading up on the Hampster Wheel game.

One of the toughest things that I've had to learn in all this is to take all emotions out of this decision making process and coming up with a sound plan of action. I spoke with a HUD counselor at length with the details of my account and her plan of action for me was foreclosure and getting on a three way call with AHMSI and negotiate cash for keys. I thought that was strange coming from HUD

I know I am going to lose my house and I'm fine with that now, but I am not fine with AHMSI tactics.

[cheryl999]

Advice Needed Please...Today I received in the mail from AHMSI that after 31 days late they are going to issue a NOI to foreclose. I thought in Calif. the servicer is required to send a NOD after 90 days, then a NOI. Am I not correct in this thinking? Are these scare tactics? Any info would be appreciated

[cheryl999]

I am 4 months behind in payments now and I have not received anything yet. I frequently check the MERS status and today I noticed it was now inactive. Guess the NOD is coming. Now I get a call from some insurance company that state they have an interest in my property and they have a great opportunity for me and at no cost to me. Whoever they are?

i have not communicated with AHMSi for some time now and it has been good for my health. We will see what the next phase of this mortgage nightmare will be.

[Cat Damiano]

I am 4 months behind in payments now and I have not received anything yet. I frequently check the MERS status and today I noticed it was now inactive. Guess the NOD is coming. Now I get a call from some insurance company that state they have an interest in my property and they have a great opportunity for me and at no cost to me. Whoever they are?

i have not communicated with AHMSi for some time now and it has been good for my health. We will see what the next phase of this mortgage nightmare will be.

Unfortunately while going through the housing mess there will be alot of scammers that will crawl out of the woodwork. I do hope that you get some sort of resolve soon.

[cheryl999]

Thanks Cat. I tried everything I could to get this mortgage mess resolved, but AHMSI has made too many "errors." I just recently found out that back in 2009 they had me in foreclosure even though I was current with my payments and this is the result of the corporate advance adjustments they have posted to my online account for many years now and they refuse to correct it. The last error was when they changed my contact info and mailing address without my permission and it screwed up the approval of my hamp modification. When I tried to get them to change my address and contact info back to me, they said "we are sorry, it is our error and I need to write a letter to the resolution dept to correct their error. That was the last straw. I am done.

Yesterday I went to the recorders office to see if transfer of assignments and/or NOD has been recorded, but nothing has been recorded yet. The only thing that is recorded is back in 2007 when I bought this place.

Do you know how long it takes when the MERS status becomes inactive and the transfer of assignments and/or NOD is recorded?

[Cat Damiano]

I am sorry, I do not have that information as it would vary by state. You may want to phone a real estate attorney in your area to ask that.

[cheryl999]

I am at a loss... Any input is welcome here. Should I go for another modification or just let my house go into foreclosure? Here is the history that got me where I am at today and everything in me tells me to just stop dealing with AHMSI (Homeward residential) altogether, but the reason for this foreclosure is really messing with me.
1. Back in 2008, I had 4 payment option arm loan and I paid the P&I payment but where my money showed on my statements was a deferred interest account, I called them and they said to me to not worry it was a "software computer gliche and we will take care of it." This year I got my account history and it was never taken care of.
2. Back in 2009, I got a 3 year modification and AHMSI without my knowledge put me in foreclosure and added over 6,000 to the back end of my loan EVEN THOUGH I was current. As a result this year I found out that I have 2 separate accounts. One online and my mailed statements which are different. My online account shows fees for corporate advance adjustments and a foreclosure thing and AHMSI gives me different answers for this or they do not know. I wrote a QWR and I was denied all information regarding this matter.
3. In 2011, I was 3 days late with payment and AHMSI charged me 3 late fees for this one late payment and during this time they charged a forced lender placed hazard insurance policy on my account EVEN THOUGH I had this insurance through my HOA. It was a fight to get this properly taken care of, but the two late fees were never reversed.
4. In December 2011, I tried for another modification. During this process AHMSI changed all my contact information without my permission or knowledge and I did not receive any of my mail from them. They even changed my email account on their site and that is password sensitive so I thought. When they changed my address back it was too late. I got denied for two reasons; one was the investor did not approve the modification and another was incomplete documentation for the Hamp approval. (All documentation was in). AHMSI stated for the HAMP denial was because I did not submit the new DODD Frank Form that now supposedly needed my birth date on it.I never received this letter until after the fact. Just a few days ago I learned that this new Dodd Frank Form that needed my birth date does not exist.
5. I am 5 months behind in payments and I do want to keep my house but given my history with AHMSI and dealing with AHMSI for the next 30-40 years is a nightmare and my health and peace of mind cannot endure them.
6. Just this year I found out that I had PMI and now I am getting calls from this company about how they want to help me stay in my home by negotiating a modification with AHMSI. I am not sure to trust them because after all, they just want to collect a debt so they do not have to pay out.

I am way underwater by approx 160,000 and my payment now is way too unaffordable and being with a servicer who is beyond words is an awful combination. I never thought I would be in this predicament. Is it worth the continued fight to get my account straightened out and try for another modification or just continue to walk away?

I know this is my decision, but I would like to hear from other people on what they would do in this case

[Cat Damiano]

I am at a loss... Any input is welcome here. Should I go for another modification or just let my house go into foreclosure? Here is the history that got me where I am at today and everything in me tells me to just stop dealing with AHMSI (Homeward residential) altogether, but the reason for this foreclosure is really messing with me.
1. Back in 2008, I had 4 payment option arm loan and I paid the P&I payment but where my money showed on my statements was a deferred interest account, I called them and they said to me to not worry it was a "software computer gliche and we will take care of it." This year I got my account history and it was never taken care of.
2. Back in 2009, I got a 3 year modification and AHMSI without my knowledge put me in foreclosure and added over 6,000 to the back end of my loan EVEN THOUGH I was current. As a result this year I found out that I have 2 separate accounts. One online and my mailed statements which are different. My online account shows fees for corporate advance adjustments and a foreclosure thing and AHMSI gives me different answers for this or they do not know. I wrote a QWR and I was denied all information regarding this matter.
3. In 2011, I was 3 days late with payment and AHMSI charged me 3 late fees for this one late payment and during this time they charged a forced lender placed hazard insurance policy on my account EVEN THOUGH I had this insurance through my HOA. It was a fight to get this properly taken care of, but the two late fees were never reversed.
4. In December 2011, I tried for another modification. During this process AHMSI changed all my contact information without my permission or knowledge and I did not receive any of my mail from them. They even changed my email account on their site and that is password sensitive so I thought. When they changed my address back it was too late. I got denied for two reasons; one was the investor did not approve the modification and another was incomplete documentation for the Hamp approval. (All documentation was in). AHMSI stated for the HAMP denial was because I did not submit the new DODD Frank Form that now supposedly needed my birth date on it.I never received this letter until after the fact. Just a few days ago I learned that this new Dodd Frank Form that needed my birth date does not exist.
5. I am 5 months behind in payments and I do want to keep my house but given my history with AHMSI and dealing with AHMSI for the next 30-40 years is a nightmare and my health and peace of mind cannot endure them.
6. Just this year I found out that I had PMI and now I am getting calls from this company about how they want to help me stay in my home by negotiating a modification with AHMSI. I am not sure to trust them because after all, they just want to collect a debt so they do not have to pay out.

I am way underwater by approx 160,000 and my payment now is way too unaffordable and being with a servicer who is beyond words is an awful combination. I never thought I would be in this predicament. Is it worth the continued fight to get my account straightened out and try for another modification or just continue to walk away?

I know this is my decision, but I would like to hear from other people on what they would do in this case

Who is the PMI company? In many cases, the PMI company is able to negotiate a good modification.

[cheryl999]

Hi Cat, thanks for your response. The PMI is Triad Guaranty. I talked to the lady there at length about my situation and it was a good conversation. She understood my frustration and completely understood if I decided to walk away after everything that has transpired. She gave me a couple of weeks to get my head clear around this mess. By the way her name is Cat as well

[Cat Damiano]

Hi Cat, thanks for your response. The PMI is Triad Guaranty. I talked to the lady there at length about my situation and it was a good conversation. She understood my frustration and completely understood if I decided to walk away after everything that has transpired. She gave me a couple of weeks to get my head clear around this mess. By the way her name is Cat as well

Well since her name is Cat also, it doesn't surprise me that she was helpful Will she be the one that will see if Triad can work something out in the way of a modification for you?

[cheryl999]

Hi Cat, I am dragging my feet on this because I can't imagine staying with AHMSI/Homeward for the next 30-40 years given my horrible experience with them. The thought just ****s the life right out of me. I am sure hoping and that it's true that another Financial company is buying out Homeward. If I could get to another lender that would be a blessing.

[cheryl999]

As of today after talking to my new relationship manager at Homeward, my decision to continue my walk has been cemented. I have been waiting for my NOD and still have not got one after 6 months behind on mortgage. However my relationship manager told me today that my foreclosure sale date is Feb 9 2013. I asked him where my NOD is and if they recorded it in the county records office. He told they did not have too and the Notice of Intent back in "April" was my notice. Actually I got that in July this year. He told me if I wanted the NOD I needed to write a letter to the resolution dept... not true

California law states that in order to initiate foreclosure proceedings, the homeowner needs to receive the NOD notice and it must be publicly recorded before they can start foreclosure. This is true right? The relationship manager told me this is not true and that they have their own policy This company is beyond anything

[keldog]

Our story is much the same as all I have read here. Quick recap of our situation:
Refi'd in 2006 for 760k. Neg-Am loan with minimum payments till 2009; ballooned our balance to 810k. Stopped making payments for 10 months, then got a modification in October of 2010, lowering payments slightly by deferring 350k to a balloon due at end of the regular loan term. Made 3 payments on that mod, then came to the realization that due to current values, we would never be able to pay this home off. We made our last payment on this loan mod December of 2010. We are now 23 months behind, and have been seeking another mod that will include some principal reduction. Our home is worth only approx. 475k based on local broker price opinions, and as stated above, we owe about 850k now with all the back payments and fees. At this point, we're holding firm on either getting some sort of principal reduction, or they can take the house. I refuse to continue throwing money into a black hole that I can never get out of. Don't know if anyone has been successfull in getting any principal reduction with AHMSI/Homeward, but I'd appreciate any info.

[cheryl999]

Hi Keldog, A while ago I asked about principle reductions and was told by homeward rep that they do not do that because it would hurt profits for the investors. My experience with them is that they do not help to preserve the dream of home ownership but rather turn it into a complete nightmare. Homeward residential makes Freddy Kruger in the ***** Nightmare on Elm Street look like a choir boy...

[cheryl999]

Hi Cat, I spoke with Cat at the insurance to help with modification and she said that all they do is to help me fill out and submit the mod paperwork and they have no say in the negotiations because it is at the sole discretion of the servicer. Every where I turn for legitimate help I hit a brick wall and I am bruised and bloodied because I have hit this brick wall face first hard several times. My hope of keeping my home blinds me from this brick wall and this hope is dangerous in the modification game. Now all I see is the brick wall and I aint goin there again.