NATIONSTAR MORTGAGE

NATIONSTAR COMPLAINT:

Submitted:        October 2014

Reported By:     Frank in Elk Grove, California

Report Link:      CLICK HERE

My loan was transferred to Nationstar. After a few weeks after the transfer I called to ask how to make a payment and setup automatic payment. A message said to wait until I received until I received the welcome letter. I later called them and asked about the welcome letter and they said that it was sent. I was given the new loan number so I could log in which I did to setup auto pay.

I received the letter on 10/21/2014, the payment due date was 10/17/2014, the web site tried to charge me 9.95 since it was a late payment so I mailed in the payment. The next day I received a phone call from Nationstar collection department wanting to know where my payment was. I told the person that I was a new customer and they told me that the credit companies would not be notified about the late payment. I am waiting to see if they charge me a late fee. I don't believe it is right to do what they are doing and need to stop this practice.

END CONSULTING ADVICE:

We routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like SPS, SLS, Green Tree, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  You CAN win this fight!!!

It pains me that you have fallen victim to the illegal, unfair, deceptive and abusive acts and practices of Nationstar but I also commend you for seeking help; too often homeowners do not fight for their consumer and constitutional rights! 

With that said, you have overlooked a key aspect to your fight, which is putting your objections in writing in the form of a proper QWR and attaching proof of your consumer and Constitutional rights.  If Nationstar does not remove any late charges on other false charges then you take your fight to regulatory agencies outside of Ocwen that assist in fighting for your rights like the CFPB; it’s a shame that Nationstar engages in this type of abuse. 

We would be more than happy to educate you as to how to fight for your rights.  My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully. 

We reviewed your complaint on the show if you would like to listen, click here or visit The DailyComplaint.com

You can learn more by visiting the CFPB's website and becoming educating about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB – click here. 

In the event you have further questions, you can contact END Consulting and me directly as I would be more than happy to contact Nationstar on your behalf to determine the status of your payment!

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation.  We have successfully assisted hundreds of clients in the past year alone in achieving desired results with regards to their mortgage loan(s) to secure ethical, legal and affordable mortgage workout solutions.  The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for anyone reading this as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana@ConsultingEND.com or via the web at www.ConsultingEND.com. I have had the pleasure of educating thousands of consumers on their rights and how to assert them to get what they want...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END

Respectfully,

Dana Shafman

Managing Member

END Consulting

(888) 234-7006 Ext 101

Dana@ConsultingEND.com

www.TheDailyComplaint.com

CLICK HERE FOR RADIO SHOW

OCWEN LOAN SERVICING LLC

OCWEN COMPLAINT:

Submitted:      October 2014

Reported By:   Sally in Spring, Texas

Report Link:    CLICK HERE

I have paid a monthly premium for mortgage insurance since the inception of my loan in 3/2012. On August 29th, 2014 Ocwen charged my account for double the mortgage insurance. I called them and spoke to Lisa to ask why. She told me that this is always paid a month in advance and should have been since the beginning of my loan but I was behind a month and this extra payment was being applied to July 2014 so I would be caught up. She also informed me that I am not the only person this has happened to. 

So, according to her, going all the way back to the beginning of my loan, I never paid the first month's PMI. I requested a statement showing all payments and allocations back to 3/26/2012 and received it. I traced the PMI payments back and what I was told is a LIE. They have stolen $93.91 from me/my escrow account.

My loan started with Ally which was then obtained by Ocwen. The login to my account and format of the account information remained the same until 9/2014 when Ocwen has transitioned those loans over to it's official website. I am curious as to whether this has happed to others who also started with Ally. Seems to me they took a nominal fee for transferring people's accounts in a way they could claim was legal.

END CONSULTING ADVICE:

We routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like SPS, SLS, Green Tree, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  You CAN win this fight!!!

It pains me that you have fallen victim to the illegal, unfair, deceptive and abusive acts and practices of Ocwen since you have all the evidence you need to prove that your RIGHTS were violated but I also commend you for seeking help; too often homeowners do not fight for their consumer and constitutional rights!  With that said, you have overlooked a key aspect to your fight, which is putting it in writing in the form of a proper QWR to regulatory agencies outside of Ocwen that assist in fighting for your rights like the CFPB; it’s a shame that Ocwen can’t just do the right thing instead of this rampant abuse. 

We would be more than happy to educate you as to how to fight for your rights.  My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully. 

We reviewed your complaint on the show if you would like to listen, click here or visit The DailyComplaint.com

Let me additionally point out that Ocwen has violated your Constitutional rights as well as your consumer rights when they placed false fees on your account for PMI past due payments and then lied about you missing prior payments, that is criminal, period.  You can learn more by visiting the CFPB's website and learning more about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB – click here. 

In the event you have further questions, you can contact END Consulting and me directly as I would be more than happy to contact Ocwen on your behalf to determine the status of your error resolution!

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation.  We have successfully assisted hundreds of clients in the past year alone in achieving desired results with regards to their mortgage loan(s) to secure ethical, legal and affordable mortgage workout solutions.  The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for anyone reading this as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana@ConsultingEND.com or via the web at www.ConsultingEND.com. I have had the pleasure of educating thousands of consumers on their rights and how to assert them to get what they want...my firm is exceptional at what we do! 

Every new beginning comes from some other beginning's END

Respectfully,

Dana Shafman

Managing Member

END Consulting

(888) 234-7006 Ext 101

Dana@ConsultingEND.com

www.TheDailyComplaint.com

WHY HIRE A PROFESSIONAL TO RESTRUCTURE OR CHALLENGE YOUR DEBT

WHY HIRE A PROFESSIONAL TO RESTRUCTURE OR CHALLENGE YOUR DEBT

Have you been scammed by an attorney or loan modification firm that only took your money?

My phone at END Consulting rings off the hook with homeowners and borrowers that have been passed over by their lender or loan servicer for loan restructuring or debt settlement to include loan modification, short sale, impounded insurance and taxes, and settlement of second mortgages as a result of foreclosure or short sale or unrecoverable market value.  Some of the biggest offenders out there in my personal experiences are Ocwen Loan Servicing, Bank of America, Wells Fargo or ASC, IndyMac or OneWest Bank, Bayview Loan Servicing, Specialized Loan Servicing, Select Portfolio Servicing, Caliber Home Loans...and many more.  The truth is that with the current loan servicing climate, almost ALL homeowners have options for restructuring or settling debt but the reality is that it turns into a full time job and a fierce chess game where strategic positioning is the only key to success, utilizing industry expertise to challenge the debt with nontraditional outside-the-box thinking and solutions.

This strategy is why I have been so successful at challenging, settling and restructuring debt for clients with more than 75 files completed last year and millions of dollars settled or restructured to benefit the homeowner. I have spent the past thirteen months solely focused on working with clients and their creditors to either restructure or settle debt and trust me, it is pretty much the same ridiculousness and runaround on every file.  The process is actually designed to discourage the homeowner from continuing on so that the lender can either hold the borrower to the current predatory and unethical loan or will simply foreclose on the homeowner, which is just sickening!  I actually started helping homeowners back in 2009 and have had tremendous success by utilizing the aforementioned strategy on behalf of violated and/or distressed homeowners and borrowers.  In fact, I have even restructured a multitude of Estates for clients that had lost loved ones since the lenders seem flat out unwilling to modify the debts of those deceased for their beneficiaries, which again is just sickening!

Some absolutely believe that it is not fair that homeowners and borrowers have options but may have to hire a professional to negotiate the deal to obtain the desired results that the government is touting as "free help for homeowners".  While I understand the outrage and fear of being taken advantage of in this situation, I also feel that since this is the largest investment most people will make in their life that it is worth hiring a professional to save the investment.  After all, I am no different than a doctor trying to resolve an unknown health issue for a patient or a lawyer trying to get a client off of a DUI other than that my fees are cheaper and I can boast that I run END Consulting in an ethical manner with honesty and integrity.  I offer a unique suite of services that I have mastered through secondary education, past experiences and industry expertise.  We have all had unfavorable experiences with shady lawyers and questionable doctors as well as other "trusted" professionals so please don't equate corruption with help as there is honest help out there for distressed homeowners.

The point I am desperately trying to make is that hiring a professional is a great thing as long as you hire the right professional.  In fact, I stand by our work here at END Consulting so much so that we solely function as a pay for performance consulting firm where if we do not perform, there is no need to stay on with us as we do not execute long term agreements with clients to further financially obligate them or overburden their financial footing.  Additionally, our fees are flat so there are no surprises or "added fees" unless the clients requests additional services outside of our core competencies where fees are discussed before action is taken.

We take great pride in communicating with our clients to ensure that we can help them prior to any money exchanging hands.  We have also adopted a policy where we contact the lender or servicer at no charge up front to ensure that we have all the appropriate information to determine if the client is a good fit for END Consulting and vice versa.  We take great care to listen to our clients with regards to the desired results to make sure there are no surprises and full transparency through the entire process.  I have built strategic partnerships for END Consulting to include the following professional disciplines:

• FINANCIAL INVESTOR RELATIONS
• MEDIA AND PUBLIC RELATIONS
• JOURNALISM AND LITERATURE
• CONSTRUCTION AND REAL ESTATE
• MORTGAGE AND TITLE
• FINANCIAL PLANNING
• BUSINESS ANALYSIS
• REAL ESTATE LEGAL HELP

I encourage all distressed or frustrated homeowners to contact us to discuss your situation as we never charge a consultation fee to determine if we can assist you in saving your home or restructuring debt.  You will find that our philosophy at END Consulting and manner in which we assist homeowners is both unique and dynamic...give us a call today at (888) 234-7006!

We look forward to putting you on the path to financial freedom...

Dana Leigh Shafman
Managing Member
END Consulting
Toll Free (888) 234-7006
Main (602) 396-5822
Fax (888) 234-7096

WHAT IS A QUALIFIED WRITTEN REQUEST AND WHY IS IT IMPORTANT

WHAT IS A QUALIFIED WRITTEN REQUEST AND WHY IS IT IMPORTANT

Do you know the rights afforded to you as a borrower or credit card holder? You do have rights!

It is always alarming to me to learn that credit is extended to unsuspecting borrowers without even a whisper of the rights of borrowers and credit card holders receiving the credit that further burdens their debt to income ratios and sometimes their livelihood.  The reality is that there are rights afforded to borrowers and credit card holders through RESPA and the FDCPA.

So...what do your rights have to do with a Qualified Written Request (QWR) and how are they related?  The QWR is a tool that can be used to uncover issues that plague both the loan and the mortgage industry like escrow discrepancies, predatory lending, fraud, robo-signing or false affidavits, and more.  The QWR alone does not warrant dynamic negotiation positioning so in order to get results, the borrower must combine persistent aggressiveness with questioning the validity of the debt along with industry oversight.

There are tools and templates all over the internet to assist a borrower in preparing a QWR and where to send it.  END Consulting also has a plethora of regulatory information on the website at www.ConsultingEND.com.  There is absolutely no charge for a consultation or to call the lender/servicer to determine what options exist for the homeowner so please call (888) 234-7006 to get on the path to financial freedom.

We look forward to hearing from you at END Consulting!

Dana


Dana Leigh Shafman
Managing Member
END Consulting
Toll Free (888) 234-7006
Main (602) 396-5822
Fax (888) 234-7096
Dana@ConsultingEND.com  

Put an END to your financial worries with a FREE consultation NOW (888) 234-7006