Since December 2010 to December 2011 - PHH's attorney has stated my amount due was $13,084.31. The same attorney has submitted records that I have paid - 11818.32*. Despite this, PHH is claiming that my account is several thousand dollars past due. This same attorney, put in writing that my account was current in Nov 2010. PHH has accepted payments as recently as January 31, 2012, yet they have not applied payments for several months. They are holding my money, refuse to apply it to my account, refuse to pay interest on the money.
*My records and PHH's documents show I have paid more than this.
Basically PHH is like the young child who whines for a sandwich, gets it then refuses to eat it because it wasn't cut right, or the peanut butter is on top, instead of on bottom. This is one in a series of games PHH is playing.
I am accusing PHH of mental and emotional abuse. PHH tells me to pay one way, changes it and says to pay a different way. PHH tells me to work through their attorney but calls, emails, and snail mails me - asking me to call them. Despite asking me to call them, PHH has blocked me from calling in to their toll-free numbers, as this you tube video illustrates. These are just simple illustrations - and there are plenty more if you are interested.
I have sent Ms. Hawk and Marty Foster at PHH emails offering to pay the difference their records indicate is owed, but they have refused to accept this. PHH is refusing to discuss any settlement discussions that do not favor PHH 100%, and include a release of PHH from any wrong doing for RESPA or Fair Credit Report Act violations.
PHH is refusing to discuss accepting any payments that are not in the $6000-$8000 range, despite their own records showing less than $1300 is owed.
This is the current situation that needs to be worked through and resolved. This is what immediate help is needed with. I will add more information in coming days, my last post of this weekend will be supporting evidence.
Please let me know what questions you have, what information/evidence you would like to see, what I can do to help you to want to help me. I need help getting the word out - so please comment with what I can do to get you to help accomplish this.