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Nayeem K Sfr

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| map-marker Faridabad, Haryana

Resolved: My.facebook.is.loked pless start

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Saxon Mortgage - My.facebook.is.loked pless start
Updated by user Jun 22, 2023

Company fixed the issue and I have been provided with full refund.

Original review Jun 22, 2023
Cryเคจเคฎเคธเคค, เค•เคชเคฏ เคฎเคฐ เคซเคธเคฌเค• เค…เค•เค‰เคŸ เคธเค เค•เคฐเฅค เค•เคชเคฏ เคฎเคฐ เคซเคธเคฌเค• เค…เค•เค‰เคŸ เคธเค เค•เคฐเฅค เคถเคฐเค†เคค เคฎ เคฎเคฐ เคธเคนเคฏเคค เค•เคฐ เค•เคชเคฏ เคฎเคฐ เคธเคนเคฏเคค เค•เคฐ CryCryCry เคเคธ CryCryCryเคธเคฎเคธเคฏ เคธ เค•เค› เคชเคฐเคฅเคฎเค• เคชเคฐเคตเคถ เคฆเคตเคฐ เคชเคฐ เคเค• เคจเคœเคฐ เค•เคชเคฏ เคฎเคฐ เคธเคนเคฏเคค เค•เคฐ เคซเคธเคฌเค• เคซเคธเคฌเค• เคชเคฐ เคเค• เคฆเคฐเคœ เค•เคฐ CryCryCry PLEASE HALP ME
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Loss:
$1000
Cons:
  • Im not happy

Preferred solution: Deliver product or service ordered

User's recommendation: Nayeem Badmash

Elroy Yzr
map-marker Carmel, New York

I need documents stating who Saxon purchased my loan from and that my account (mortgage) has been bought by Ocwen Financial.

Please I need to speak with someone. I am searching for account numbers. The number I dial into 817-665-**** is not a working number. Please help time is not on my side. Thank you so much.
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jimmy L Vjk

Paid Deed

I am trying to get my paid lien released.
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Loss:
$18
Cons:
  • Failed to release paid mortgage
Reason of review:
Paid out mortgage

Preferred solution: Release paid mortgage

LEIDEANA L
map-marker Fort Worth, Texas

Refund of check

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Thanks I found a refund from your company in 2006 my account is {{redacted}} You send me a check of $539.77 at Nevada treasure but they can found can look my account and see is February 27 2006 receipt number 862**** if you find send to Nevada treasure please was Saxon mortage real state and is another checks from Lawyers Title Nevada from escrow you have help to find next message send you information thanks was pretty good the attention at customer I do not have a bad customer representative try me good thanks
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1 comment
Guest

the grammar is really bad

Linda K Yln

They were paid and didn't release our lien

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Sold our farm in Jun 2018 to discover the lien of 70,000.+ was paid but they never released of the lien, lien is still at the Jefferson County Clerks office in Watertown, NY showing as not paid. So now what do we do?????? Any help welcomed. Have written our Congress Women and hired an attorney but here it is going on Sept and still no movement towards an end to this insanity!! Thanks a lot Saxson Mortgage Company. Has anyone else had this problem? The loan was paid in 2006!! We are in our 70's and this is our retirement money. There aren't any golden years for us until this mess is taken care of. All Saxson has to do is write us a release of the lien and send it to the Jefferson County Clerks Office, 175 Arsenal St., Watertown, NY And our misery will be ended. Miserable Old Woman
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Loss:
$78000
Reason of review:
Poor customer service

Preferred solution: Issue the lien release!

Yulonda H

Need to speak with someone A hous

A home is still in my from 2007
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Anonymous
map-marker Fort Worth, Texas

Stay away from Saxon mortgage comoany

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Horrible company. All they cared about was their money and did not care about people at all Do not use this company they lie lie and lie some more
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Reason of review:
Poor customer service
Anonymous

Withdrew modification loan days before due

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The house had attic water damage, which i paid for cash to correct initially. The insurance company sent a check to me and the mortgage to sign. They never returned the check and would not let me use as a payment. The story goes down hill from there. The long story sjort, they gave me a modification. I called to verify and the guy says, no jusy pay the entire amount. I went from happy to sad in seconds. The were going to foreclose and a lawyer notified me about a selling at the court house. We were there with money in hand when the auction never took place. I believed that I was waiting for modification papers when 2 weeks later, I received a call from a realtor asking if had finished packing. She explained the house had been sold. Unbelievable.
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Reason of review:
Problems with payment
Anonymous

Sticking it to Deutsche Bank.

Have not made a mortgage payment on my house in over 11 years. I won a judgment in court back in May 2013 preventing Deutsche Bank from ever foreclosing on my house they even had to pay my attorneys fees. They could not produce a copy of my mortgage so the judge said they had no right to foreclose. It has been removed from our credit reports as a mortgage. They still pay the taxes and insurance on the house. LOL I get a bill every month asking me to pay and I file it in the garbage. The truth is I don't think they know they lost in court. We are currently trying to pursue a clear title on the house in court. Todd (Florida)
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Reason of review:
Problems with payment
1 comment
Guest

You will never receive clear title to something you stole.

Etheleen Ozg

Horrible

Failed to provide information That's it
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Anonymous

Complete Crooks!!!

Out of all the scammy, crooked "mortgage lenders" in the Dallas/Ft. Worth area (which is where they all seem to be,) Saxon is THE WORST, and that's really saying something. They do their best to drive you to distraction, hoping you'll just give up in frustration and surrender your property for a fraction of its actual value. YES, I have a long, sad, detailed story that goes with this, but the bottom line is, DON'T TOUCH THESE GUYS WITH A TEN FOOT POLE. They'll ask you for paperwork you've already submitted three times, you'll never talk to the same person twice, if you can pry their name out of 'em at all; they'll claim you didn't make a payment when you know *** well you did (keep photocopies of all postal money orders, etc.!!!) and in short, are the most complete pain in the *** I've ever had the misfortune to deal with.
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Reason of review:
Poor customer service
Anonymous
map-marker Torrance, California

Short Review on September&nbs-04:00;23,&nbs-04:00;2016

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I am trying to locate someone from saxon mortgage about my loan. I recieved a discharge back in 2011 due to fire i had. I tried to reach title company and lien release department no one has information. Now i am thrown out of my home by wells fargo mortgage and dont know why?
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Vickie P Ebv
map-marker Auburn, Indiana

Fraud, Conspiracy, Conversion, Embezzlement

The following is the report I filed with Sigtarp and the Congressional oversight Panel this morning 04/12/2010 We (I) am writing to you, the Oversight Panel, not knowing exactly how I am to address you. We are not Lawyers and do not have backgrounds in anything except being Law Abiding, Hard Working, and Tax Paying, U S Citizens. We are the debtors or homeowners who are being cheated by a system who seems to hold all honor and respect for the very large corporations that are cheating us. Those who we have "หœbailed out'; with our Tax Dollars, are the very same large corporations who are using their financial reprieve to continue to abuse us, and to do everything in their power, which our Government appears to have bestowed upon them, to continue to exploit we the people; who they contrived to hurt to begin with, and with whose money, in the form of our Tax Dollars, they have brazenly used to continue to be in business; taking their bonuses and their financial security, just to continue to be allowed to destroy us in every way that they can. We are writing of those, who are known to us all as the Mortgage Loan Investors and Investment Brokers, Predatory Mortgage Loan Originators and Lenders, Incompetent Mortgage Loan Servicing Companies, and Collectors of Mortgage Debt and Mortgage Loan Settlement Companies; all of whom have fraudulently introduced themselves to we the debtors as being separate entities, but of whom, we the injured debtors (Homeowners) have discovered a trail of conspiracy and deceit does exist. This trail of conspiracy and deceit has seemingly been disregarded by our Government and Law Makers in favor of support to those who have caused so much financial ruin and injury to we the innocent victims, also known as the debtors (Homeowners). President Obama did put into action programs which were to used by the Conspirators and The Law Breakers of these Mortgage Fiascoes as their opportunity to undo or to make right the injustices that they did knowingly spread throughout the innocent debtors (homeowners) of our Nation; however the cunning, selfish and greedy operators and owners of these conspirators have failed, and we believe with the intention to fail, but all along lying to Congress and to President Obama as to their successes; and President Obama and Congress have chosen to put faith in the false reports which have been submitted by the conspirators and connivers, with total disregard and showing complete disrespect for the voices of the innocent people. We ask that you PLEASE take some time to review Internet sites such as www.saxonwatch.com; www.lenderwatch.com; www.pissedconsumer.com www.consumeraffairs.com; www.mortgageinsider.net; www.ssgoldstar.websitetoolbox.com; www.NationalFederalDefense.com; www.saxon-mortgagepissedconsumer.com; www.mortgageblues.us; Saxon Mortgage complaints under congressional seal : Your Saxon ... Apr 1, 2010 ... Saxon Mortgage Novastar Saxon Mortgage Services Saxon Mortgage Service Saxon Mortgage Complaints Saxon Mortgage Modification ... saxonwatch.com [Found on Google] www.complaintsboard.com; These are just a very few of the complaint sites which exist just for SAXON MORTGAGE SERVICES, INC; SAXON CAPITAL INC; MORGAN STANLEY MORTGAE CAPITAL, INC; MORGAN STANLEY MANAGED INVESTMENTS; MORGAN STANLEY COMPANY, ACCREDITED HOME LENDERS; NOVASTAR; INZURA SETTLEMENT SERVICES, and the list of conspirators goes on from here. We have DEMANDED a SETTLEMENT on behalf of ourselves; because the Presidents programs have done nothing for us and Saxon Mortgage Services, Inc continues to do everything in their power to rip us off. Below this writing I am going to copy and post complaints that I have registered with Saxon Mortgage Services, Inc; all of which Saxon has NEVER addressed and ONLY now since we have filed a DEMAND for SETLLEMENT with SAXON and have given them a reasonable time to answer our Demand; Saxon has notified us that they are selling our Mortgage. If Congress or even some legal court had made this Demand for Settlement with Saxon and Saxon simply chose to ignore it; this would be deemed against the law and Saxon would be punished; however because it is US, a poor family only trying to protect their interest and who cannot afford to pay Legal Fee, Saxon is simply turning their backs on us, knowing that our Government will support their illegal action. I beg you to please take the time to read all of my writing. It is important and I believe that our Government will see it is time that WE THE PEOPLE receive the BIG BUCKS for a bailout instead of these crooks and that these crooks deserve to lose every dime they have conned we the people out of. My following writing will disclose the acts of , Embezzlement, Forgery, Conspiracy with the intent to defraud, Acts of Conversion of our personal funds from our personal checking account; with NO ATHORIZATION given by us; It will clearly show FRAUD Committed as a conspiracy between Saxon Mortgage Services, Inc; Accredited Home Lenders; Saxon Capital, Inc and Morgan Stanley; when without OUR knowledge they called the value of our home $145,000.00 when in fact, and at the time in 2007 our home had a Recorded Market Value of $73,000, that the State of Indiana uses ACTUAL MARKET VALUE to assess property taxes and that as of 02/15/2010 our real and true Market value of our home is $91,000. And that the previously named companies all Conspired to use a FRAUDULENT VALUE in order to book our mortgage at an 80/20 then using the 80% of $128,500. And that TRUTHFULLY and actually the 80% of our real value in April 2007 would have been $57, 500; so therefore all the parties heretofore named as the Mortgage lenders, brokers, originators, investors and the company that THEY (Saxon Mortgage Services, Inc ) hired to perform the appraisal of our property did so to Fraudulently advance the homeowners (debtors) a mortgage loan for which they did not qualify and that Saxon Mortgage Services, Inc was a primary participant in this act of fraud., along with Home Funds Direct, Inc who is also known as Accredited Home Lenders, and also Saxon Capital, Inc and Morgan Stanley Co; who is known to be a Wall Street Investor.Further it is clear that the reason that the Value of our home is NOT equal to the amount of the loan which is shown on the books at Saxon Mortgage Services, Inc TODAY 04/12/2010 is NOT negative because of any Drop in Property values due to Market and Economic Conditions, but is ONLY due to the Fraud perpetrated by the Businesses named previously in this writing; and still further that the Homeowners, even though they requested a copy of the appraisal, which had been used to have this mortgage loan approved, and did so on at least 8 previous occasions, that the Homeowners did not receive from the mortgage servicing company, Saxon Mortgage Services, Inc, who has been the servicer of our loan since the loan was advanced, a copy of the appraisal until March 10, 2010.. And that the full intent all of the named Businesses was to defraud Philip L Plasterer and Vickie L Plasterer, Husband and Wife. Now here are the only SOME of the postings I have made to Saxon Mortgage Services, Inc and to on-line complaint sites. Attention: Saxon Mortgage Services, Inc Today, and after speaking to yet ANOTHER in a series of un-knowledgeable Customer Services Representatives of Saxon Mortgage Services; who refused to allow me to speak to the Customer Relations Specialist, named Sunday Orta, and to whom I explained I had received a letter from Sunday Orta and that I needed to speak to her regarding her written response to us. Saxon's customer service representative insisted that I had to tell her the reason for my call to Saxon and what it was I want of Saxon Mortgage Services; so I took my time and relayed several of the problems and concerns of which I have shared; and in in writing to Saxon Mortgage Services Customer relations Department; and NEVER having received responses or resolutions to the MULTIPLE Problems; and the Multiple Illegal Acts having been committed over and over again by Saxon Mortgage Services, Inc et"หœal, I truly needed to communicate with Saxon Customer Relations department. After again stating several of the issues we have with Saxon; I then asked Saxons' customer service representative what she is going to do about all of our issues and she said there was nothing she has the authority to do anything about. Which of course takes us back to the square one of Saxon NEVER addressing any of the MULTITUDE of ISSUES and illegal acts which Saxon continues to perform. This Saxon Customer Service representative then told me that Saxon is in receipt of the multiple written disputes and complaints I have filed, however my issues and complaints were only going to be addressed by the specific SUBJECT and subtopic areas if they ARE found in my writing any subject that pertained to that department. Ok, Saxon lets make it complicated. This is one sure way to avoid addressing the huge volume of issues Saxon has. Therefore; and today 03/25/2010, I have sent my entire writing of issues and complaints to each and every and individual Subject and Sub-Topic listed on the Saxon Mortgage Services, Inc On-line web site and using the embedded e-mail provided by Saxon's Customer Relations Department to submit our complaints, disputes and VALID legal issues against Saxon Mortgage Services, Inc., and in writing. Saxon you are pros at avoiding the real and valid legal issues you have. Why do you insist on making it virtually impossible for a customer to have their concerns professionally (if you understand the meaning of the word), and correctly handled? Are you too busy trying to find ways to rip your customers off while padding the pockets of your Wall Street buddies. This is my guess. Saxon we are not pawns in your game of get rich quick. We are real people, REAL CUSTOMERS who deserve the respect of each and every one of you. You think that because we are persons who, having been met with horrific health issues followed by tremendous losses of income; such problems which changed our lives and our financial security In a blink of eye, that we are to be treated as desperate and unworthy pawns who you can rip off at your leisure and for your financial gain! I pray you never have to encounter people such as yourselves, and then have to try to conduct business with the greedy, and selfish business people and corporations who have proven that their ONLY interest in life is to take advantage of those of us who do NOT have THE money it takes to fight crooks such as yourselves. I do not have an excess of money, and I am now physically disabled; after having held quite a successful and HONEST career for 37 years; However, I do have God and the power of RIGHT and WRONG and JUSTICE on my side. I will conduct my campaign against you in my every waking hour, until finally, Justice is served. This is not a threat it is a promise; and something that needs to be done to prevent You and companies who operate such as you; from walking all over and destroying the lives of people whose money and property you will gladly take, in exchange for reeking havoc and misery to our and others lives; while finding ways to pocket the all powerful and important cash you seem to require to breathe. Sincerely, Vickie Lea Plasterer260-758-****Saxon Account Number 200031**** March 24, 2009 URGENT Please respond if you wish to join with me in this legal battle against Saxon Mortgage Services. EVEN though I have filed complaints with the Indiana Attorney General's Office and I have submitted a filing to the US DEPARTMENT of JUSTICEโ€ฆ We STILL NEED a STRONG, and WILLING ATTORNEY to REPRESENT US INDIVIDUALLY. IF there IS An ATTORNEY WHO HAS READ THIS REPORT and who IS WILLING to REPRESENT US ON A CONTINGENCY BASIS PLEASE CONTACT ME AT preferably 260-758-****,or plasterer1@***.net. ALSO, I BELIEVE THAT HEREIN LAYS a RATHER LARGE CLASS ACTION CASE to be FILED AGAIST SAXON MORTAGES SERVICES et'al TODAY I HAVE REGISTERED AND SIGNED the AUTHORIZIZATION to BEGIN the FORMAL INVESTIGATION OF SAXON MORTGAGE SERVICES , INC andSAXON CAPITAL INC; and MORGAN STANLEY MORTGAGE CAPITAL, INC (MS MORTGAGE) and the COMPANY of ANGLE MERGER SUBSIDIARY CORPORATION, a direct wholly- owned subsidiary of MS MORTGAGE et'al' I have contacted and filed a complaint listing over 52 LEGAL wrong doings, which We believe to be INTENTIONAL; CALCULATED; CONSPIRED with MANY; Illegal manipulations of innocent and trusting consumers; INTENTIONAL and CRIMINAL OVER STATING of PROPERTY VALUES with the intent to defraud, consumers and investors alike; plus a list of other charges we have against these people. And by all the above with the Indiana Attorney General, Greg Zoeller; the Office of Consumer Protection against Saxon Mortgage Services, Inc; and their holding company Saxon Capital, Inc; headquartered in Glen Allen, Virginia-- Saxon Capital, Inc. ("Saxon" or the "Company") (NYSE: SAX), a residential mortgage lending and servicing real estate investment trust (REIT),and the owners of all of these businesses; who is known as and is doing business as Morgan Stanley Co; Morgan Stanley Mortgage Capital, Inc; a residential mortgage lending and servicing real announced today that the Company's shareholders approved the merger, upon the terms and subject to the conditions set forth in the Agreement and Plan of Merger (the "Merger Agreement"), dated as of August 8, 2006, by and among Morgan Stanley Mortgage Capital Inc. ("MS Mortgage"), Angle Merger Subsidiary Corporation, a direct wholly-owned subsidiary of MS Mortgage, and the Company, of Angle Merger Sub Corporation with and into the Company, with the...and is who Saxon Mortgage Services, Inc refers to only as being our "หœInvestor"หœ, but never would tell me the name of our "หœInvestor"หœ, I had to learn this on my own. I did research on-line and at the library to find all of the following information: Morgan Stanley Co acquired Saxon Capital, Inc in December 2006, and of course, along with Morgan Stanley's acquisition, they also gained ownership of, Saxon Mortgage Services, Inc; a/k/a SMI in other States and operating as Saxon Home Mortgage in the state of New York; as well as Saxon Capital, Inc conducting business across the United States of America, and still is using a number of different registered D/B/A's operating under the corporate umbrella of Saxon Capital Inc; which is owned by Morgan Stanley Company; who is also known as, and is also doing business as Morgan Stanley Managed Investments Company. I also learned of the following news today:03/22/2010 IRVING, Texas -- Saxon Mortgage Services, Inc. ("Saxon") announced today the appointment of Stephen Staid as Executive Vice President of Customer Relationship Management. His appointment comes as Saxon repositions itself into the residential sub-servicing space, specializing in distressed asset servicing. In this role, Mr. Staid will be responsible for the all aspects of the Customer Relationship including Financial Transaction Management, Early Stage Delinquency, Modification Fulfillment, Command Center, Call Monitoring, and Customer Service. He also will serve as a member of the Saxon Executive Committee, reporting directly to Saxon CEO Anthony Meola. 03/03/2010 The (refinancing) of our 1st Mortgage Loan was Closed by an Independent Loan Closer, who was also a Licensed Notary; at the time he closed our Mortgage Loan; and who is not a staff employee of Saxon Mortgage Services, Inc; or of Saxon Home Loans; or Accredited Home Loans, Inc., but was instead hired as an independent contractor to Saxon Home Mortgage Lenders; and Saxon capital, Inc; and is doing business in Irving, Texas as Inzura Settlement Company, Inc a subsidiary of Accredited Home Loans, Inc; who specializes and provides services including Property Appraisals and Valuations; in addition to the services of Mortgage Loan Closers, foreclosure property reviews and investigation, Settlement accounting for recently closed loans to prepare said loans for "หœbundle distribution' to investors and other duties as assigned and contracted by and to the aforementioned corporations known as mortgage loan origination companies; and mortgage servicing companies, and also debt collection agencies; all of the corporations shown above and including Saxon Mortgage Services, Inc ; who in the year 2002, 2003, 2004, 2005, 2006, 2007 and early 2008; also operated as; or did business as, a home mortgage loan origination company; along with; and in conjunction with Saxon Mortgage Services, Inc and Accredited Home Loans, Inc. Accredited Home Loans, Inc is now a defunct business name; having filed for Chapter 11 Bankruptcy protection in May 2009; after transferring many remaining loans held in Accredited's Mortgage loan portfolio to Saxon Mortgage Services, Inc; and some of which Saxon Mortgage Services, Inc recently transferred to Quantum Mortgage Services Group, Inc with offices in California , Illinois and Florida This Loan Closer asked us to meet him at the Public Library in Fort Wayne, IN; in order to complete the closing of, and signing of, all the loan documents and disclosures which committed us to this loan agreement with Accredited Home Lenders, Inc who is or was contracted to Saxon Mortgage Services, Inc; in the year 2007; to act as an agent for Saxon Mortgage Services, Inc and Saxon Home Mortgage Company; to conduct the origination of home mortgages; in the State of Indiana; under the direction of and under the guidelines of Saxon Home Mortgage Lenders; Saxon Mortgage Services, Inc; Saxon Capital, Inc and Morgan Stanley Company; and who is also conducting business and doing business using the name Morgan Stanley Managed Investments Company. During our loan closing the CLOSER presented a document to us which read that it was a document which served as a commitment to a Five (5) year, Five %( 5 percent) PRE-PAYMENT Penalty. I was familiar with and have signed a somewhat similar agreement for an Indiana State Approved residential Mortgage Loan agreement; and which is known as the acceptable, usual and Customary Standard Business practice in the State of Indiana, a document known as a 2 year, 2 % prepayment penalty mortgage loan agreement; which had been a part of our original closing of the actual purchase of our home in 2004; AND therefore I argued and told this hired Closer that there is "NO WAY" that I would sign, or allow my husband to affix his signature to, a five year, 5 % pre-payment penalty". We had this exact discussion with our closer; who then chose to lay that UNSIGNED by US, document aside; and told us he would present our other completed, signed and initialed loan documents to the Lender; without the prepayment penalty document being included with our other signed and agreed upon documents and disclosures. He then explained to us, however, that "the Lender may refuse to accept all of the other documents as a completed loan closing; because we had NOT signed that 5 Year, 5% prepay penalty document; he further stated that the Lender may reject the loan closing we had that day, April 02, 2007; because we have not signed the 5 year 5% prepayment penalty document, and that, then the Lender may request that we re-sign the documents at another arranged mortgage loan closing; to include the pre-payment penalty document. We were NOT given a copy of the 5 Year 5% pre-payment penalty document as part of our settlement portfolio of our signed and agreed upon Mortgage Loan Closing documents and disclosures; all others documents of which had been given to us to review during the 72 hour RIGHT to RESCIND legal waiting period; which is required by law when an individual is using their primary residence as collateral to secure a refinance of an existing Mortgage loan. The Closer stated we did not get to keep a copy of the five year, 5% pre-payment penalty document since we had refused to sign it, and it was not now considered to be a part of our mortgage loan agreement. I have explained this to you, only because of what transpired with Saxon Mortgage Services, Inc some months later; in which case Saxon Mortgage Services, Inc told us that we had agreed to a 5 year 5% prepayment penalty. We received a Notice delivered to us by U S Mail Services on May 03, 2007, and which we received from Saxon Mortgage Services, Inc; explaining that our loan had been TRANSFERRED to Saxon Mortgage Services, Inc on April 30th , 2007 and for the purpose of them (Saxon) Servicing our Mortgage Loan; and that our payments and all questions or concerns regarding our Mortgage Loan were to be directed to Saxon Mortgage Services, Inc, located in Fort Worth, Texas, and that beginning with the very first payment to our loan and then each subsequent agreed upon and due loan payment; until our loan was paid in full, or until we are otherwise notified; and our payment which was scheduled to made on our mortgage loan was still due June 1st, 2007 as per the loan agreement which had been executed on April 2, 2007; were to be paid to Saxon Mortgage Services, Inc. Nothing had really changed for us except the Name of the company who was supposed to be servicing our loan. The original payment mailing address was the same as we had been given at our loan closing; the only information we were missing, at that time, is that we had not been assigned an account number; by which our loan and loan payments would be identified as belonging to us; when we made these payments to Saxon Mortgage Services, Inc. No one ever rejected our Mortgage Loan Documents, Note, or Disclosures for not having signed the 5 year 5% Pre-Payment Penalty agreement. We never heard a word about it. I did have many question and concerns regarding some of the information about our Escrow Amounts and some of the Loan closing Fees and Settlements dollar amounts which had been disclosed to us in our loan documents, and during our closing on April 02, 2007, however; even though I called the company, at the telephone number which had been provided to us at the closing to call with any questions of if we chose to rescind this mortgage agreement during our 72 hour right of rescission, and I had been told by an electronic device, every time I called, that I had to leave a message; and that someone would call me back to answer our questions; the 72 hour Right to Rescind period came and went, and NOT ONE person bothered to return my call to answer the questions we had regarding some of the escrow and some of the Loan closing fee questions which have still to this day, 04/03/2010, and have continued to go unanswered. Someone did finally call us back on the 5th day after we had closed our loan, and then I was told that it was now too late to rescind our loan. My questions went unanswered, even though I called several more times still seeking answers to my questions, each time being told that "หœSOMEONE' would have to call me back. No person or representative ever did return my calls, other than the very brief call we received 5 days after our loan closed on 04/07/2007 and my questions were not answered then either. It had come time for us to make our first loan payment, and the form which Saxon had mail to us to use, and then to return to them by US Mail when making our loan payment, required that we enter an account number in the space provided; in order for Saxon's payment processor to verify our payment to our or logged into their system. Finally, and after our payment had come due; and then past due, Saxon was still unable to give me our account number. I asked the teller or clerk in Saxon's Customer Service Department; to who all of my phone calls were directed by Saxon's programmed telephone answering system, how I was supposed to submit our payment without an assigned account number; as Saxon required that we supply to them with our loan payment check. I was told to call back again and again. Finally, the day arrived that Saxon was able to provide us with our account number, however if I mailed our payment at this time, our payment would not arrive to Saxon in sufficient enough time to be posted to our account; during the 15 day 'Grace period' before, and according to the terms of our Loan NOTE, Saxon could and would charge us and our loan account balance with a 5% Late fee penalty; the late fee penalty amount to be determined by the unpaid amount of our principle and interest payment; which was still remaining and due for that month. The monthly payment due, at this time, was for our June 1, 2007 payment; which was our very first payment to be made on our new mortgage loan contract. I asked Saxon if there was any other way for me to make a payment that would arrive to Saxon, and then our payment would be posted or credited to our loan, any sooner than if I had mailed it to Saxon. I was told I could give this Saxon Customer Service employee; a person unknown to us, and over this unsecured telephone line, our bank routing number; my checking account number, the amount I was agreeing to pay to Saxon for our loan payment; and my check number; and then Saxon would process my payment electronically; as an ACH transaction; just this one time. The Saxon employee went on to tell me that we would have to pay Saxon a fee of $15 in order to make our payment to Saxon; over the telephone this way; and that Saxon would add this amount to the payment we were making over the telephone, and that Saxon would cause a debit to our checking account to include this payment fee to Saxon; in addition to our regular monthly mortgage payment amount; or I could make my payment to Saxon using Saxon's ON-LINE WEB SITE. I did not to waste $15 to make our payment over the telephone to Saxon, however I still wanted to get our payment to Saxon in order to avoid having our loan to be assessed, and then us having to pay, a late fee penalty; which is a substantial amount of money, and in my opinion, a very big waste of money, and an irresponsible way to manage our household funds and budget. Saxon would not agree to waive the payment fee; even though it had been Saxon's error which had caused us to be running late with getting our payment to Saxon; and on time. The Saxon Teller did give me the Web site Address belonging to Saxon Mortgage Services, Inc; telling me we could make our payment directly to Saxon using their on-line system. I did sign into the internet using our home computer, and did access the www.saxonmortgageservices.com Web Site. Once at Saxon's site, to which I had been directed by the Saxon Customer Service employee; in the month of June 2007; there I did learn that I had the option of paying a $4.95 fee each time I went on-line to Saxon's WEB site to make a payment; or I had the option of setting our account up using Saxon's Automatic payment system; where Saxon will process our monthly mortgage payment, each month, as an ACH transaction, using our personal and private checking account information; and which we were required to provide to Saxon; with the payment being made to Saxon on our contractual due date each and every month, OR until we cancelled or withdrew our authorization; and in writing, from Saxon Mortgage Services, Inc. The previous payment terms I have shared with you; in this writing, and which existed in June 2007; have now been updated and changed by Saxon Mortgage Services, Inc and now are payable to Saxon Mortgage Services, Inc, using what is now known as www.SaxonMortgageServicesonline.com Web Site, however a customer's loan payment is now processed through Western Union Co, but still using Saxon's WEB site, and this payment process is still serviced by and regulated by Saxon Mortgage Services, Inc. The monthly; one at a time payment processing fee has been reduced to $2.50. VERSES the previous $4.95 payment processing fee which Saxon had charged to it's customers in June 2007; and when a customer is either forced to pay this $4.95, ACH payment processing fee; or is forced by financial coherence, or extortion, to set up their monthly loan payments made to Saxon Mortgage Services, Inc; using Saxon's Automated ACH transaction payment system; which allows Saxon Mortgage Services, Inc to pay themselves; with Saxon having full access to a customers private and personal checking account information; which is held by the customer's private and personal financial institution. NOTE:It was reported by the Federal Trade Commission (FTC), in yet ANOTHER follow up report released to the public, this time, and as a warning to the public; in the month of November 2009; and was released to local and national news reporting agencies, and on-line, at the www.FTC.gov Web site; stating that person's or individuals providing personal checking account information to ANY organization, individual or business, and through On-line payment Web sites, or over the telephone; which allows a business, et'al, access to a individual's personal and private checking account; this practice has been determined to be the primary source for thieves and internet hackers to gain access to a person's or individuals private and personal information and is responsible for the tremendous increase in identity theft; which has been reported to, and is being investigated by the FTC. The public is being advised not to release such information to any individual, organization, business or any one else, on-line or over the telephone. We have since learned that beginning in the year 2008, and perhaps even before this time, but which was not formally detected, and which we reported to our Financial institution; our local police and sheriff"หœs departments; the FBI and the Secret Service; who are responsible for investigating such illegal acts. Our confirmation of these illegal acts made to our checking account, was not possible for us to confirm as fraudulent activity to our checking account until the morning of January 11, 2010; when it was determined that we have become victims of identity theft, and have since learned that our checking account (since closed 01/12/2010; due to these multiple acts of theft), was illegally debited on several occasions, and for many months and perhaps 2 years prior, by persons not yet identified or having been caught by authorities; the thieves used unsigned ACH Debits which were presented to our financial institution checking account for payment and in in varying amounts. This is the same ACH payment process that Saxon Mortgage Services, Inc is using when a customer uses Saxon's On-line payment center, to establish monthly automatic payments to Saxon Mortgage Services, Inc in order to avoid having to pay the fee which Saxon imposes as a payment processing fee each and every month; and in addition to making their required monthly mortgage payment. "Saxon Mortgage Services, Inc Complaint Continued" In June, 2007, we did learn that Saxon Mortgage Services, Inc did not have our correct mailing address recorded in their records; when our neighbor, living in a different county than ours and a few blocks from our home; and hand delivered to us an unsealed envelope having been mailed by Saxon Mortgage Service, Inc; a debt collector, which contained a notice to us for a payment due for the month of August 1, 2007. Our neighbor had not opened this envelope, but it was indeed sent opened and unsealed by the sender Saxon Mortgage Services, Inc. It was apparent that the envelope had never been sealed, and had been sent through the U S Mail Service in this condition. This notice did contain our personal identifying information, as well as our loan account number, and information regarding our Mortgage loan principle balance, interest payments, principle payments, escrow transactions which had transpired or had been paid from our Escrow account; indicating a serious negative Escrow balance; which Saxon had published to this Notice; in Bold Red lettering, now existed in our Escrow balance, and to immediately contact our Mortgage Account Servicer, Saxon Mortgage Services, Inc. This notice also stated, in large RED print, that Saxon Mortgage Services, Inc is a Debt Collector and that any information obtained by Saxon Mortgage Services, Inc would be used for this purpose. Our neighbor apologized for having read this notice, having removed the contents from the unsealed envelope; and which had been delivered to them at their home; by the US MAIL Service; before realizing it was not their mail until after having read the notice. I reviewed this statement very carefully; discovering multiple errors, not only in our mailing address, but also in the accounting and negative dollar figures found in this statement. This statement showed that Saxon had paid an, unnamed in this notice, hazard insurance company $660 from our Escrow account on 06/12/2007. I reasoned that this is why our statement was indicating a serious and Negative Escrow Balance figure. I called Saxon's customer Service Department, and after being read to, by the employee and from their computer screen, the incorrect information being shown on the employee's computer screen. I disputed this information and so my call transferred to Saxon's Insurance Department; where I was told that Saxon had paid State Farm Insurance Agency, who Saxon was reporting as being our Home Owner's Insurance Provider, the sum of $660.00 on 06/12/2007, and is the amount, having been made record by Saxon Mortgage Services, Inc, as being our annual Homeowners Insurance Premium. This was ALL totally incorrect information which Saxon had recorded as belonging to our mortgage loan account # 200031****. I told Saxon that all of the information; which had been recorded by Saxon Mortgage Services, Inc as belonging to the account of Philip L Plasterer and Vickie L Plasterer was incorrect, and I filed this dispute on this day of July 25th, 2007. I explained to Saxon that our Home Owner Insurance company is Wolverine Mutual Insurance Company and have been so for a number of years; even prior to our loan having been refinanced in April 02, 2007, and in addition, I explained that our annual insurance premium is for the amount of $544.90, and was so at the time we closed our mortgage loan on April 02, 2007, AND further, as part of our mortgage loan approval and loan closing process we had been made to delivered, by U.S. Mail, a copy of our Home Owner's Insurance Declaration Sheet, and also made to hand deliver an original document, to the Closer at our mortgage loan closing; an original Insurance Declaration Sheet; prepared by our Home Owner's insurance Provider who is Wolverine Mutual Insurance Company, and then this original Insurance Declaration Sheet or page was then hand delivered to the Closer of our Mortgage Loan, who is now known as Saxon Mortgage Services, Inc Loan Number 200031****; delivered by Vickie L Plasterer to the Loan Closer and in the presents of Philip L Plasterer on April 02, 2007. It is clearly shown in this Insurance Declaration Sheet document that our renewal date, and the insurance premium was NOT due to be paid AGAIN to Wolverine Mutual Insurance Company until July 1st 2008 and per the terms of the agreed upon and accepted Note, the Insurance premium to Wolverine Mutual Insurance Company was then scheduled to be paid; from the accrual of funds; which are deposited in the Escrow Account of Loan Account Number 200031****; and that this account is maintained by and serviced by Saxon Mortgage Services, Inc. It became necessary for us, (Vickie L Plasterer and Philip L Plasterer, debtors), to contact Saxon Mortgage Services, Inc again; after having received, by US Mail, our Notice of the September 1st , 2007 payment coming due to Saxon Mortgage Services, Inc, received from Saxon Mortgage Services, Inc a Debt Collector; On August 21st, 2007. This statement reflected that the refund of the wrongly paid Insurance premium payment in the amount of $660; which had been paid in error to State Farm Insurance Agency; had been refunded by State Farm Insurance Agency to the Loan Account Number 200031****. This statement reflected that Saxon Mortgage Services, Inc had applied (deposited) the refunded amount of $660; to an Account owned by Saxon Mortgage Service, Inc which Saxon calls their Suspense Account. However; these funds did and do belong to the Escrow account of Philip L and Vickie L Plasterer also known as loan number 200********; BUT Instead Saxon had deposited our funds to Saxon Mortgage Services"หœ, Inc an account Saxon refers to as Saxon's SUSPENCE ACCOUNT, belonging only to Saxon Mortgage Services, Inc; their Principles, Directors and Owners. After I, (Vickie Plasterer), reviewed and studied this incorrect statement, I once again telephoned Saxon. During this telephone call in which I had to explain to Saxon"หœs Customer Service representative the reason for and the purpose of my call; in great detail; before he would transfer my call to Saxon's Insurance Department ; where I was able to verify with Saxon's Insurance department representative that Saxon Mortgage Services, Inc was still recording and using the incorrect Homeowner's Insurance Company name and premium amount as Saxon's record belonging to our account number 200031****; even after my having contacted Saxon Mortgage Services, Inc over 30 days ago in July 2007, to first dispute the information which Saxon had recorded as true and correct, and also at which time I again provided to Saxon Mortgage Services, Inc all of the correct Insurance Company information including the Name; address; telephone number, our Policy number and the correct amount of our annual homeowner's Insurance premium; and I also again verified, with this Saxon representative, the exact date when this payment was next due and payable. The Insurance department told me (Vickie) that I needed to speak to a representative of Saxon's Escrow department; and so my call was transferred to Saxon's Escrow Department; where I spoke with a supposed and trained by Saxon Mortgage Services, Inc a Saxon Escrow Department Representative This Saxon' Escrow Department employee again read to me the recorded information which Saxon had recorded and assigned as belonging to our Mortgage Loan Account Number 200031****. Saxon's Escrow department also had recorded to its records all of the same INCORRECT information that Saxon's Insurance Department was reporting to me. I again spent an additional two hours of my time to provide Saxon's Escrow department with the same and CORRECT Homeowner's Insurance information, which I had previously provided to Saxons' Customer Service Department, and also to Saxon's Insurance Department again this day; and this very same information having been given to Saxon, by me, and over 30 days prior to this day; in my telephone extensive phone calls to Saxon, and of which I also sent, in writing, to Saxon Mortgage Services, Inc by way of the US Postal Service. It was explained to me by Saxon's Escrow Department representative that Saxon had taken it upon itself to apply the $660, which had been refunded to our Account number 200******** from State Farm Insurance Company, to Saxon's SUSPENCE account, because no one that works for Saxon knew where to apply the monies which had been received. I asked the Escrow Department representative if she could see the Negative Escrow Account balance Saxon had reported as our Escrow Account Balance. She answered "Yes" I also asked this representative if she could see where Saxon had recorded the debit shown as an Escrow Disbursement to our Escrow account on June 12, 2007 and for the amount of $660.00. This Escrow department representative answered "Yes" again. . I then told this Saxon representative that it would make good accounting sense; that because Saxon had made this debit to our Escrow Account for the amount of $660, and then the same $660 having been returned to Saxon because it was not due, nor payable to our true insurance provider; that it stands to reason that this $660 which had been taken from our Escrow balance must be re-applied as a credit to our now Negative Escrow balance. This Saxon representative agreed with me and promised to "หœwrite up' the, Saxon required, in house order of correction,; which I was told is the procedure that Saxon employees must use; and this order of error and correction would be sent, that day, being August 21st, 2007, to the accounting department for this discovery of error to be reviewed and ultimately corrected by the accounting department and to our Escrow Account Balance. These multiple and necessary telephone calls made to Saxon Mortgage Services, Inc. was made to Saxon on August 21st, 2007, by the debtor Vickie L Plasterer. On September 18th, 2007, We, the debtors, did receive by US MAIL delivery from Saxon Mortgage Services, Inc; a Debt Collector, the Statement for Loan Number 200031**** indicating the payment due for our October 1st, 2007 Mortgage Loan Payment. This statement was still indicating that our Escrow Balance was showing a serious; Negative and NOW owing to Saxon Mortgage Services, Inc the Escrow Balance Payment of (1388.43). No payments should have been scheduled to be made from our Escrow Balance to date. The first payment scheduled to be made from our Escrow Account which is held, serviced and maintained by Saxon Mortgage Services, Inc. is the second payment due for the year of 2007 is payable for Huntington County Property taxes; which are payable to the Huntington County Treasurer's Office, located in the City of Huntington, Indiana. 46750. The amount of our property taxes, at that time and for that year totaled $547.06. In April 2007 Inzura Company Filed on PISSED CONSUMER reports Today, March 03, 2010, We have contacted and filed multiple complaints with the Indiana Attorney General, Greg Zoeller; his Office of Consumer Protection; against Saxon Mortgage Services, Inc; and their holding company Saxon Capital, Inc; headquartered in Glen Allen, Virginia-- Saxon Capital, Inc. ("Saxon" or the "Company") (NYSE: SAX), a residential mortgage lending and servicing real estate investment trust (REIT),and the owners of all of these businesses; who is known as and is doing business as Morgan Stanley Co; Morgan Stanley Mortgage Capital, Inc; a residential mortgage lending and real estate loan servicing Co announced today that the Company's shareholders approved the merger, upon the terms and subject to the conditions set forth in the Agreement and Plan of Merger (the "Merger Agreement"), dated as of August 8, 2006, by and among Morgan Stanley Mortgage Capital Inc. ("MS Mortgage"), Angle Merger Subsidiary Corporation, a direct wholly-owned subsidiary of MS Mortgage, and the Company, of Angle Merger Sub Corporation with and into the Company, with the...and is who Saxon Mortgage Services, Inc refers to only as being our "หœInvestor"หœ, but never would tell me the name of our "หœInvestor"หœ, I had to learn this on my own. During the last 2 years and 9 months, Saxon Mortgage Servicing, Inc has broken or failed to adhere to the Laws of our Nation, the FDPCA also regarding the Laws and rules of RESPA; the FDCPA; the Fair credit Reporting Act, the Mortgage Lending Act and rules; the Federal Banking and Finance Act, the Equal Credit Opportunity Act, and many other Federal Government And Indiana State Laws, Rules and regulations. We have tried to work with and through Saxon Mortgage Services, Inc by first pointing out to Saxon the serious violations and the multiple Gross accounting and other errors; asking them to correct their Multiple GROSS ERRORS which Saxon Mortgage Services, Inc has knowingly, intentionally, and with forethought and malice caused to our account. We feel certain that Saxon will have intentionally performed the same errors to the majority of the accounts which are owned by and/or Serviced by Saxon Mortgage Services, Inc, and those which were serviced previously under Saxon's previous operating name of Meritech Mortgage Servicing Inc, which is owned by parent company Saxon Capital, Inc, which in August 2006, was voted on and approved to be acquired by Morgan Stanley Mortgage Capital, Inc., a division of Morgan Stanley Managed Investments which is owned by Morgan Stanley Co. In addition there exists a relationship also with American Money Line, Inc and Angle Merger Subsidiary Corporation, a direct wholly-owned subsidiary of Morgan Stanley Mortgage Capital Inc, and the Company, of Angle Merger Sub Corporation with and into the Company. During the last two years and nine months I have ordered; and on separate occasions, received a printout of our mortgage loan summary; and which includes our payment history which is specific to our mortgage loan account; which is maintained by Saxon Mortgage Services, Inc. and has been told to us by Saxon that this printout is a true and exact summary of our payments made to Saxon; and our principal balance, interest, Escrow and Fees; Summary. In addition, I have documented over 452 telephone conversations I have been forced to instigate with Saxon Mortgage Services, Inc; and which are caused by the intentional; continued and repeated Gross Errors made by Saxon Mortgage Services, Inc; and having had to speak with the Customer Service Department, which is located in Fort Worth, Texas; and in Irving, Texas and to some other offices and departments which are located and operated in the State of California; and regarding the multiple and continual Gross Errors; which are caused by and in the favor of Saxon Mortgage Services Inc; Saxon Capital Inc; Morgan Stanley Mortgage Capital Inc; Morgan Stanley Managed Investments; and all other Corporations, Affiliates, agents of, and for Saxon Mortgage Services, Inc; the various Boards of Directors, Officers of, Managers of, Investors in and to; Staff and employees of the various and many corporations with affiliations to and with Saxon Mortgage Services Inc; and in addition to Saxon Mortgage Services Inc's departments which have been introduced to 'us', their customers, a/k/a as the debtors, as being their departments of Property Tax Services Department; their Loan Loss Mitigation Department; their Bankruptcy Department; their Customer Service Department; their Customer Relations Department; in addition, I have been forced to communicate and in written form; having documented and sent to Saxon's Customer Relations Department; over 45 written communications of accounting and fee dispute and multiple account and policy questions and disputes; and which, for the most part, have gone unanswered; and using the www.SaxonMortgageServicesonline.com Web site; and where customers of Saxon Mortgage Services Inc are directed to e-mail account disputes, policy questions or concerns, general questions, payment questions or concerns, Escrow questions or concerns, fee questions or concerns, Mortgage Loan Account Statement questions or concerns, and any other matter to Saxon Mortgage Services, Inc Customer Relations Department; And after remitting the Saxon Mortgage Services Inc embedded e-mail document to their Customer Relations Department; and it has been received by this department; a time stamped and dated notice of receipt is generated to(our) the customer's provided and recorded e-mail address, advising (us) the customer that (my) the customer's written and e-mailed request for service has been received and will be reviewed and answered 'shortly'. The actual wording in the receipt sent by Saxon's Mortgage Services, Inc' Customer Relations Department varies from time to time sometimes it states in writing as follows: "Saxon is in receipt of your email regarding the above referenced loan. Our goal is to provide valued services with care, responsibility and attention to detail to ensure a unique and positive experience with Saxon". OR I have received a receipt from Saxon's Mortgage Services Inc Customer Relations Department which states in writing the following: e-mail receipt dated by my system as having been received by my e-mail system on 3/22/2010 12:30 a.m. "Dear, Philip Plasterer Your email request regarding Fee Disputes has been sent to our Customer Relations department. You should hear back from us shortly. If you should need immediate assistance, please call us at 817-665-****. You provided the following contact information: Loan Number: 200031****Your email address is: plasterer1@***.netTelephone Number: 260-758-**** Thank you for your business. Saxon" (Our written Complaint continues here) Saxon Mortgage Services, Inc claims to offer REAL TIME Mortgage Loan Account information, that is continually contradicted by Saxon Mortgage Services Inc Customer Service Department; who always tells me that the information which has been published by www.SaxonMortgageServicesonline.com and which I have read, reviewed and gathered our mortgage loan information from is "NEVER Correct"; and that the only account information which is correct is the information a customer service teller, agent or employee gives to me; and when out of necessity, I speak to them by telephoning ; having telephoned them at their published telephone number. I have found that the Real time, time stamped and dated on-line information; which I have reviewed and copied for my files; is a 'true' record of our Mortgage Loan Account as serviced and reported by the various departments of Saxon Mortgage Services, Inc; and is serviced by and maintained by Saxon Mortgage Services, Inc; in real time. I am NOT stating nor confirming that the on-line web site and any other document which reports our mortgage loan activity which is serviced and maintained by Saxon Mortgage Services Inc is correct in its entirety. QUITE the CONTRARY,I am stating and charging Saxon Mortgage Services Inc with false reporting, false and deceptive accounting procedures are being used for the actual dollars received, and or disbursed, and in many instances the act of conversion is very apparent, and in some instances; which I have identified; the act of embezzlement is apparent as well. I can prove and will show evidence of the acts of conversion which have occurred to our Mortgage Loan account on many and various occasions; I can prove and show where the acts of embezzlement; by the Corporation; have occurred; and on more than one occasion; our funds being taken and used by the Corporation to pay its business obligations; said obligations having nothing to do with our loan payments, our principal balance, our Escrow, our interest payments or any fees which we may have been assessed by, or recovered from, Saxon Mortgage Services, Inc. These acts of conversion and embezzlement are premeditated and intentional acts of Saxon Mortgage Services. Saxon Mortgage Services Inc; et'al; does intentionally over charge late fees and has and does continue to intentionally and wrongly calculate the LATE FEES which Saxon does and has assessed to our loan account number 200031****; and Saxon et'al, has refused to correct their intentional over charging of late fee activity; and even after having been notified, in writing by me, (their customer and debtor); and such written notice of dispute having been sent to Saxon's Customer Relations Department, by the debtor; while using Saxon Mortgage Services Inc provided and embedded e-mail communication form, and by also by telephone contact to Saxon's Customer Service Department. Our Note specifically states that a late fee may be assessed by our NOTE HOLDER; if our monthly loan payment is not paid within the provided 15 GRACE DAYS which follow the contractual due date of our loan payment. Further, the NOTE specifically states; and in writing; that the 5% late fee that can be assessed by the NOTE HOLDER will be calculated on the actual amount of the Principal and Interest Payment; which is yet unpaid, and still due and owing by the Debtor who is obligated to the NOTE. Saxon Mortgage Services , Inc agreed to and must abide by the payment terms as written and disclosed in the agreed upon and signed NOTE; which states,; in writing,; that a payment made to Saxon Mortgage Services Inc (hereinafter referred to as the NOTE HOLDER), will post a payment to a customer's outstanding loan balance which is held and serviced by the Note Holder; and on the date it is received by them; having been paid to them by a customer; and as follows: First,: any interest which is contractually due and payable; per the terms of the NOTE, will be credited, (debited from the amount of the interest balance owing), to the customer's loan account; Second: Followed by the principal amount which is contractually due and payable by the terms of the NOTE; will be credited to (debited from the amount of the principal balance still owing), the principal balance; Third: And then if any monies from the payment remain; from the payment amount received from the customer by the NOTE HOLDER; the determined and agreed upon payment being due to be paid to the customer's Escrow Account Balance will be credited, to the customer's escrow balance; for future and agreed upon disbursement to pay the customers determined and scheduled Taxes and Hazard Insurance; Fourth: And then if any monies remain; from this payment having been received from the customer; and there are any fees due and payable; the fees will be paid; UNLESS the customer sends a written Notice to the NOTE HOLDER together with the payment, or otherwise calls the NOTE HOLDER to advise the NOTE HOLDER that the payment being submitted, at that time, is to be distributed to the Next Due Payment amount due of Interest, and then Principle and then any Escrow amounts coming due in the next scheduled payment amount; OR Fifth: and then if there are monies remaining from the payment made by the customer; and any outstanding fee have been paid to the NOTE HOLDER; and the customer makes a request; in writing, or by calling the NOTE HOLDERS designated representative; then any monies remaining from the payment received by the NOTE HOLDER, will be credited to the customers principle balance, per the customers request, OR Sixth: if the customer does not make a request in writing; or does not have a verbal communication to the NOTE HOLDERS designated representative; any monies remaining from the payment received by the NOTE HOLDER which may be remaining from the payment which has been paid to the NOTE HOLDER; and by the customer, these monies will be credited to the next interest payment coming due; followed by the contractual principal amount showing next due and payable; followed by an y fees which may be due and payable, and so forth; and as previously explained and written in the six steps above. In our case against Saxon Mortgages Services Inc; et"หœal; we can prove and provide exact detail to the fact; that Saxon is guilty of refusing to credit (debit) any interest owing, or credit (debit) any amount of our principle balance still owing to our account; when the payments which we have paid to Saxon Mortgage Services Inc have exceeded any interest and principle amounts then due and owing; and when no Escrow amounts were due and owing; and when no Fees were due and owing to Saxon Mortgage Services Inc; AND Saxon had not caused a principle reduction to our outstanding principal amount still owing; and neither had we requested, in writing or by verbal communication with a representative of Saxon Mortgage Services Inc; that a principal reduction payment be made to our remaining principal balance with these funds which were not yet contractually due and payable to Saxon Mortgage Services Inc; and that Saxon also refused to credit any portion of our loan which is payable to Saxon Mortgage Services Inc, however Saxon Mortgage Services, Inc is in receipt of our money paid to them when they over charged our account; and when Saxon Mortgage Services, Inc's own on-line customer payment site would not accept our payment amount of $860.67 which was the only contractual amount due and payable to Saxon Mortgage Services, Inc at that time; and also at that time the Only way we were permitted to make our payment to Saxon Mortgage Services Inc; and by using Saxon's provided on-line customer payment site; was we were forced to have to pay the amount which we did not owe. We ( our loan number 200031**** had been over charged by Saxon Mortgage Services Inc; when on July 13th, 2009; Saxon Mortgage Services Inc knowingly did perform the act of conversion when Saxon Mortgage Services did electronically process a debit to take funds from our personal and private Checking account, and without our authorization, causing our Credit Union to charge us our checking account a NSF fee of $25.00 for Saxon's effort to withdraw $860.67; and which was not owed to them. Saxon did not make just one attempt to take our money; Saxon caused their act to convert our funds from our personal and private checking account again on July 16th 2009 causing our Credit Union to charge our checking account with another $25 NSF penalty. However, our nightmare did not end there; as the acts of conversion by Saxon Mortgage Services, Inc created what became a snowball effect of extreme financial stressors; and did cause two of our other creditors checks to be returned as NSF; and did cause an electronic payment which we had made just prior to Saxon Mortgage Services, Inc processing their fraudulent electronic requests for payment from our checking account to be paid against NSF funds for which our Credit Union charged our checking account another $25 NSF Penalty fee. And then because of Saxon Mortgage Services Inc act of conversion; the two checks we had written, one for $5.00 to our local convenience store, Crossroads Pantry, Markle IN, check number 623; and to who we had to pay another NSF penalty fee of $25 to them to redeem our NSF check from them and to clear our name from their list of Bad Check writers, and we also were assessed another NSF fee by Our grocery store,; Owens Family Grocery, who is owned by Kroger Stores; who when our $30.00 check came back to them as unpaid from their financial institution, Kroger's bad check policy is that Kroger sends their returned checks to a collection agency immediately upon getting our check back; and then we had to wait to be contacted by the Kroger collection agency; and to whom we had to pay ANOTHER $25. NSF Penalty Fee to redeem our returned check from them; this was followed by the Kroger collection agency listing our names on a NATION WIDE LIST which notifies retailers NOT TO ACCEPT CHECK PAYMENTS from the people whose names, addresses and driver's license numbers are found to be on this published list. We were not aware that our names had been added to this list; until we went to Wal-Mart two weeks later, where we were purchasing necessary medical items; and when we offered our personal check for payment of these items to the cashier who then made the effort to process our personal check payment through her store register; and then much to embarrassment and horrible humiliation which was caused by this action, and as the long line of people that we know in our small town looked on, the cashier handed us our check back and then she paged her store manager over the stores intercom system to come to her register, the store manager then telling us in front of this long line of people, which line had been delayed for a long time; because of our check being rejected; and then me having to walk over to the ATM which was located in the front of the store , and with me having to hang my head in shame and embarrassment, I had to pay a bank fee of $3.00 to make an electronic withdrawal from this ATM, in order to be able to pay Wal-Mart cash for our purchase; only because they refused to accept our check as payment; and we had shopped at this Wal-Mart for a very long time, always paying with a check, because I prefer to maintain our household by recording our paper check transactions, and also having the processed paper check as a record of my expenditures and for Tax purposes; NOW however, and because of Saxon Mortgage Services, Inc inability to properly and accurately perform the duties of a competent Mortgage Loan Servicing Company, our names, our address and our Drivers License numbers are now on a NATION WIDE LIST of DO NOT ACCEPT CHECKS FROM THESE PEOPLE; and this list is furnished to retailers throughout the United States.First Day of March, 2010, Saxon Mortgage Services, Inc on the 18th Day of March 2010, did on that date; credit the partial payment which we had made to Saxon Mortgage Services in the month of September 2009; and during such time as Saxon Mortgage Services Inc chose to over charge our account, three times, and did wrongly assess our Mortgage Account Loan, identified by Saxon as Loan number 200031**** multiple late Fee penalties for payment due and payable in the months of September 2009, August 2009, and July 2009, and wrongly so, and because Saxon Mortgage Services, Inc knowingly and illegally attempted the act of Conversion, Saxon over charged our account for fees which were never due to them. Because our NOTE Specifically states that the NOTE HOLDER is due a late charge payment, when our account is not paid before the end of the 15 day "หœgrace days' ; our NOTE HOLDER may *** our account a late fee penalty of 5% of the unpaid portion of the INTEREST and PRINCIPAL which is not yet paid. So here we go. Our account shows a partial payment due fro the Marcy 01, 2010 payment. I intentionally scheduled our payment to be paid AFTER the 15 "grace days' had expired. Ok, so our set and usual payment is $860.67. This balance includes our established monthly Escrow payment amount which is $81.26; However for the Month of March we are only due for a partial payment, BECAUSE we overpaid SAXON when their system would not accept our Normal payment, only because Saxon was wrongly attempting to collect Late Fees and NSF fees fro us for the GROSS ERROR which they made trying to pay themselves and when a payment was not due. So looking carefully at the wording of the NOTE; again, which states that a late fee is calculated at 5% of the amount of principal and Interest which is not yet paid. Please look at the following calculations and remember that Saxon acn only charge and collect THAT PORTION Of the Interest and Principal payment which is yet unpaid and that I do have a partial payment made to Saxon as it stands NOW; Usual Monthly Payment total $860.67Minus my Tax and Ins Escrow 81.26Leaving the principal & interest payment which is due 779.41 5% late fee on my USUAL Interest & Principal due 38.97 HOWEVER for the MONTH of MARCH we only owe a PARTIALPrincipal and Interest payment Partial payment due $821,70Minus my Escrow amount 81.26Leaving my Principal & Interest Due amount of 740.445% late fee on my PARTIAL Interest & Principal due 37.02 Saxon's Ille
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Loss:
$73000
13 comments
Guest

We have requested 4 times for saxon to review our file and do a loan modification to our current loan. Each time we contacted SAXON they informed us they didn't receive the package.

So we would send it certified mail and a person wouldn't sign the card but just stamp the card with a saxon stamp. We than starting sending the package with proof of the other submittals and they finally sent a letter stating our financial package was incomplete. We have been paying our mortgage faithfully and on time and we can't get any assistance from them. Our house is under water and we can't re-finance and now our mortgage company won't work with us.

It's a difficult decision but my husband and myself will have to just leave the home and go on to rent a home or apartment.

I hate to take those measures but due to this difficult economy we need help and can't afford the mortgage any longer and relief don't seem like it's in the horizon. IT'S A SHAME SAXON IS SUCH A CROOK they don't care who is left out in the cold.

Guest

We are in the same boat, fighting hard. We have been paying our mortgage, and are about to be foreclosed upon anyway.

We are working with an attorney now in order to keep our house, but would certainly be interested in joining a class action suit, or supporting your claim. cavefive@***.com

In response to Travis 28 and other representatives of mortgage companies: it is clear that Saxon hires individuals with intellectual and cognitive challenges, which would be commendable if they were not such slimy, theiving bastards!

Guest

I would love to be a part of your lawsuit. Saxon needs to be stopped. My email is missy6055@***.net.

Guest

Cynthia,

Dear, If YOU are NOT paying attention to the actions of our present government officials,and also to those who have decided to come forward and offer their services as OUR representatives, then HOW WILL YOU BE QUALIFIED ENOUGH to make a LOGICAL and INTELLIGENT DECISION when YOU CAST your VOTE in the upcoming elections? Are you one of those who will simply PUSH a BUTTON and VOTE for someone to REPRESENT YOU and YOUR needs without knowing whether or not they truly represent YOUR WANTS NEEDS and DESIRES?

DO YOU VOTE for someone who is CUTE? Is this how you make your decisions? It does not matter whether you are a Democrat, Republican, Independent, Tea Party, or OTHER, the IMPORTANT Part is that you VOTE for a person or persons that WILL REPRESENT YOU and YOUR NEEDS and as YOU DECIDE, and to to this, a Voting Citizen of our Country SHOULD Absolutely Be a Government watchdog. Gosh Cynthia, I am sorry, did I interrupt your on-line game playing or perhaps your daily soap opera viewing in order to EDUCATE YOU in a TRUE MATTER of IMPORTANCE for EVERY TAX PAYING CITIZEN of our NATION?

Apparently you were unable to comprehend what I wrote. I will use smaller and less intimidating words for you next time.

What I wrote is VERY IMPORTANT to EVERYONE who pays TAXES or who is a homeowner in this country. You are not an attorney, and you were unable to offer any intellectual advice, so Please kindly disregard what I have written, as I feel this is too much for you to grasp.

Guest

regarding dislocatedcajun,whah whah get a life you are one of those gov watchdogs i bet get a life

Guest

Dear Travis,(and Denise, Daniel and others who may share thier misconceptions)

I would very much like to be working. I did enjoy my very successful career of 37 years, however following a very serious in home accident, where I fell down a steep flight of stairs; suffering a brain bleed, (which most people do die from, however I am very fortunate to have survived), but I am also now quite physically handicapped, and cannot get around except with a good deal of assistance; therefore I am stuck miserably at home.

I am fortunate to be able to afford, and to have this computer, and at least one hand with which to type. Next Dear Travis, as my husband and I have faced the unscrupluous dealings of Saxon Mortgage Services and several of its conspiritors, I happened over many complainants at this site (and four other sites; 2800 complainants in all thus far) who have registered their complaints seeking assistance with the sometimes fraudualent and illegal, but definitley underhanded dealings of Saxon Mortgage Services and many, many other preditory type originators, lenders and servicers of mortgage loans; whose true interest appear to lay with the large investors rather than the homeowner's whose loans they are supposed to be PROPERLY servicing. Now, not that it is any of your business, however, because of your misgivings about my participation at this site, I want you to be aware that as I have reported our legitimate and very serious allegations against Saxon et'al, we are NOT Now, nor have we been past due in meeting our mortgage payments. The very matters that I have reported concerning these CROOKS and these abusers of many innocent consumers, AND definitley abusers of U.S.Consumer and Lending Laws, and of YOUR tax dollars, by their ongoing abuse of the TARP programs, installed by our current adminstration, in order to AWARD Lenders who do indeed HELP consumers who were taken in by this and other preditory lenders.

These issues should concern you to a point that you should be paying close attention to what is being reported, and then you, and others who chose to condemn, who are hopefully, at least, tax paying residents of our great Nation, you too should be very concerned about the actions or in some cases, in-actions of these less than honest organizations, AND you should be taking actions as well. I did bother to list many of the actions which you, and all other Tax PAYERS, should be taking against these stealers of your TAX Dollars. Do you even know what the TARP program is ? I suggest, that instead of tearing down my writing, that you use your computer to further research, and then try to gain a true understanding of how these sort of companies, (SAXON, Morgan Stanley, etc..),are pocketing YOUR tax dollars, however are NOT honestly reporting, nor are they thoroughly and justly performing the tasks which make them HONESTLY or legitmately eligible to participate in the distribution of funds from these programs.

IN ADDITION, You did not read my report very well. We DID NOT submit any NSF payments to Saxon. Nope, we did not. Saxon committed the CRIME of 'Conversion' (a/k/a THEFT) of funds from our checking account, without our prior authorization.

Saxon did this not once, but twice. Both times that they did this, we were not past due, nor were we even Due for a payment. Saxon's record keeping is sloppy at best. Again, if you read and UNDERSTOOD this complaint, you will see that SAXON, who is owned by Morgan Stanley, committed CRIMES of more than one type during the course of our loan with them.

We did not know that they would commit these crimes until they did it. As much as I would like to be able to predict the future or to be able to read fortunes, this is not one of my gifts; therefore I could not have known that Saxon, Morgan Stanley and others involved in these crooked mortgage conspiracy rings are crooks. We did NOT select Saxon as our Lender, nor our Mortgage Servicer. Many of the present lending regulations are the reason that so many consumers are now stuck doing business with companies that they would have otheriwse never given the time of day to.

Now, If you did READ and try to comprehend what I wrote, We DID NOT issue NSF payments to Saxon. Nope, this is just one of the CRIMES which Saxon Committed, on not one but on two seperate occasions. Saxon committed the CRIME referred to as CONVERSION(a/k/a theft) Saxon attempted to withdrwan funds from our personal checking account, without our authorization of any kind. In saxon's act of law breaking, saxon becmae indebted to us for the fees charged to us by our Bank and, accordig to our Note (contract) Saxon is responsible to repay us the monetary damages which they caused AND they absolutely NO legal right to charge our account with any FEES for the CRIME which they comitted.

This is one of the minor CRIMES which they have committed against us AND against the LAWS of our Nation. SAXON's biggest FRAUDULENT Activity was in the Appraisal and ultimate approval of our loan, which I was not able to make a full discovery of until just this past March 10,2010; when we finally, and after requesting and finally Demanding a Certified Copy of the appraisal which was done in order to approve the refinaincing of our loan which was done by them in March 2007. Not that I know if you will be able to comprehend this information, however Saxon ordered an appraisal be done on our property, and the appraisal, done by the ONLY appraiser which Saxon would approve and at their bidding, was written at the FRAUDULENT amount of $145,000. When IN FACT the actual and true appraised AND Market Value of our home, In the year 2007; when this loan was approved and written, was only $88,600.00.

Our loan was to have been 80% of the appraised/Market value of our home. As you can see, and what I just recently learned myself this past March 2010, is that our Mortgage Loan was illegally and fraudulently written for $64,400. MORE than the TRUE and ACTUAL VALUE of our home. This IS AGAINST THe LAW.

THIS IS FRAUD. And this is one of the reasons I signed onto this site and wrote my complaint. I am in hihg hopes of locating a QuALIFIED and EXPERIENCED attorney who practices in this Field of Law, because , very honestly, there are a limited number of Attorneys who are well versed in this area and I have NOT found ANY attorneys in our area with the strength that we need to fight them on this. I have found Thousands of Personal Injury attorneys, but that will NOT work.

Thus My reasoning for filing our complaints on this site, as well as SHARING with others the information which I have researched and have determined to be GOVERNMENT Agencies by which to report illegal activity and other US Consumer Complaints against such organizations as SAXON, Morgan Stanley and all of the other preditory Lenders and Mortgage Servicers I have seen reports concerning. The problem with reporting to specific Governemtn agencies is that an Individual still requires the services of their own personal attorney in order to be awarded their just reward.

Dear Travis,and the others of you who wish to condemn my computer writing activity, I do hope this writing helps to relieve your concerns about how I spend my time. I only hope that if you CARE enough about your fellow tax payers, that you will honestly READ and try to comprehend what others are reporting so that you too may be able to protect yourselves and perhaps fight NOW for how your TAX dollars are being wasted.

Guest

i agree w daniel too much time in your hands and a waste of money paying for internet go find some thing useful stop paying for unnecessary thing pay what you think is more important which is your home right???

fraud lies????? this is idiotic why do you put yourself in this position did you stop and think that why do you feel the need to blame someone else for what you agree too /read the polices of your servicer read your original document if they get an nsf why wouldn't they charge you for it your bank does so a bank doing fraud as well why wouldnt they charge for property inspection your home is there investment pay your bill so they wont charge you make sure when you set up a payment that your going to have money there

:zzz

just fyi if ocwen buys loan from saxon everything is transfer to them if ocwen decide to not do it of maybe charge you more they can if saxon offer a modification and transfer your your with it if ocwen dosent have to do it

now go do something more usful with your life if saxon gone your still going to have the same loan you sign up for it

Guest

i agree w daniel too much time in your hands and a waste of money paying for internet go find some thing useful stop paying for unnecessary thing pay what you think is more important which is your home right???

fraud lies????? this is idiotic why do you put yourself in this position did you stop and think that why do you feel the need to blame someone else for what you agree too /read the polices of your servicer read your original document if they get an nsf why wouldn't they charge you for it your bank does so a bank doing fraud as well why wouldnt they charge for property inspection your home is there investment pay your bill so they wont charge you make sure when you set up a payment that your going to have money there

:zzz

just fyi if ocwen buys loan from saxon everything is transfer to them if ocwen decide to not do it of maybe charge you more they can if saxon offer a modification and transfer your your with it if ocwen dosent have to do it

now go do something more usful with your life if saxon gone your still going to have the same loan you sign up for it

Guest

get a life ........you wont get anywhere ,

Guest

Dear Denise,

Please read the response which I shared with Daniel and then please apply it to yourself as well.

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Anonymous
map-marker Milwaukee, Wisconsin

Other Product Review

Saxon never took there name off the house so its a lean on it owcen seems to dont no that was a transfer
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Bobie Gef
map-marker Knoxville, Tennessee

Any Saxon Mortgage Class Action suits in Tennessee yet?

Does anyone know how I can join in a class action in the state of Tennessee? I've seen class action suits for several states, including PA (where I now reside), but the house they stole from me was in Knoxville, TN. I was fighting to save my dream house in 2008, and they simply refused to accept my payments until they could foreclose. It was nearly impossible to talk to anyone at the company. They finally sent me a foreclosure notice suggesting I talk to a mortgage modification specialist (and naming one I should contact). It took their specialist hours just to reach someone on the phone for a three way conference call between me, the specialist, and Saxon. They refused to take the payment to bring the mortgage current, and suggested I apply for a "loan modification" (which I had already done). Then told me I didn't qualify for the modification because I wasn't current on my payments... "Get current on the payments, and we can process the modification" was what we were told. I said "No problem, but you keep sending my payments back. I can do that right now, with a check over the phone, debt, VISA, or even a wire transfer". Which led back to "I'm sorry, we can't accept your payment at this time". After going around like this several times being as civil as we possibly could, the Saxon Representative hung up. Even the specialist THEY suggested to to to resolve the matter asked me "Why are they trying to steal your house?". I have a witness to all this- more than one, in fact. We ended up loosing the home. That was our dream house. We worked for 20 years to buy THAT house- that was our happily ever after, and it was ripped away from us. To have the company I trusted to finance it refuse to accept the payments when we had the money to make them, then foreclose because I'm behind on the payments; steal my family's home and destroy our credit... I didn't know that kind of thing was even possible in 21st century U.S. of A. I've tried to just move on and put this behind me, but it still haunts me and I'm still pissed 5 years later. If I can't join an existing suit, I'm going to file one of my own, so if anyone is interested (or knows of an existing suit) please contact me at the_justicar@***.com
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2 comments
John N Mzy

Sounds like you failed to make your mortgage payments on time, the property was foreclosed and now you want to blame somebody else for your misfortune. Time to stand up and take responsibility for your actions, mate.

Guest
reply icon Replying to comment of John N Mzy

Was late on two payments, yes- but that was months earlier. This all went down when they were in danger of going out of business in '08.

I didn't believe this stuff could happen either until it did. Hope you never have to find out.

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Anonymous

Selling my Parents Home

I sold my Parents home back in 2001, I went through Standard Mortgage at the time. Once everything went through there was a 3,500 payment that was due to me, I have been trying over and over trying to get someone to listen to me on regards to this, and no one gives a Dam. But I do because this was my parents home, and I think that they took something from me and my family. I did contact them in regards to this, and I got nothing from these people. I said that I was going to keep trying until someone talks to me in regards to this matter. All that I want is what's due to me, and that is (3,500). I don't care if it was 2.00, I still think that its due to me. My Parents worked really hard on that House and when they passed away, that broke my heart, and this is breaking my heart that this *** company took something from me............
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