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.
Hey Matt, I'm a friend of your wife's. Just a little confused, so forgive me. Up earlier in the post you said they claim you owe $13,000. Then towards the bottom of the post, you said it was $1300. What am I missing?
ReplyDeleteSo sorry you are having to deal with this mess!
I'm passionate about this and may have let emotion cause my words to be confused. In this post I detail that the claims from their attorney show an acknowledgement of received funds that is approx. $1300 from what was actually owed. The attorney has not included payments confirmed by PHH on their statements, or by their EVP Marty Foster, nor does it include all the payments my bank has confirmed. We offered to pay the difference - just under $1300 and meet to discuss the outstanding amounts and this was refused.
ReplyDeleteDespite holding over $9,000 of our money that they have not applied, they are insisting an additional $9,000 is due, plus late fees, attorney fees, etc.
Not sure, where there the $13,000 came in without re-reading. To date I have paid, according to their annual statements over $215,000. Through March 2012 I would need to make 155 monthly payments, that have been under $1000/month up until May of 2011. So - $155,000 (and that is high). According to their own records - I've paid $60,000 more than was owed, but despite this they claim my pay off amount is $110,000 - $15,000 more than I paid for the house 13 years ago.
I'll re-read tonight and see if I can better answer your question about the $13,000.
To better answer your question, Rebecca... the $13,000 was the amount for the YEAR that they say we owed. The $1300 was the amount they said was still outstanding (at least, that's one of the figures they've given... it changes from one correspondence to the next) Our contention - and bank statements that back us up - is that we've paid over the $13,000 for the year that they say should have been paid for the year.
ReplyDeleteOur payments were supposed to be for 5 mos $989/mos (Dec 2010-April 2011)
and then for 8 mos at $1027/mos (May 2011-Dec 2011)
In total, OUR bank statements show we've paid over $13,161, because we've been overpaying on most months... the $13k was just what we owed based on payment amounts, but we've paid more than that. Their lawyer says we've only paid $11k. But we can prove otherwise, for all the good it does.
And also note - our mortgage payments mysteriously went up in May (and weren't notified of this until half-way through May) despite the fact that our taxes did not go up, (property values have tanked in Omaha so tax value hasn't increased) and we got new homeowners insurance in November that should have REDUCED our payment amounts by over $60/mos. They have failed to explain why the amount went up instead of being lowered as well. :/