Loss Mitigation or Delinquent Department

I have experienced something horrifying to me. If it isn't illegal, it should be.
This all began shortly after my original mortgage company sold my account. At first I was OK by it. Then our life began to take a turn for the worse a combination of unemployment and illness.

My husband's permanent secure high tech job disappeared back in 2002 to outsourcing. Since that time we have managed to stay afloat with my husband working temporary contract jobs in his field. Of course those jobs are not easy to come. They are few and far in-between so I managed to put some money aside during his working sessions so we do not loose the house when the next job is hard to come by .

However, we encountered a set back with my husband's health when he was suffering from gall stones in his gall bladder while he was unemployed. First it took a long time to get a doctor and a hospital to diagnose the problem. Why? We do not have insurance, and I found out that unless the doctors can pin point the problem, they do NOT have to treat you. It took more than 6 months of my husband suffering before someone at a hospital took his pain seriously and finally performed the operation of removing the gall bladder. It has been five months since the operation and he has had no more problems. My husband even had a job waiting for him to start. Within a two week period he was on the new job.

We did fall back just a little so I called to make a payment in late March. Saxon told me to filled out Loss Mitigation paperwork with Saxon Mortgage and not to make a payment until they had a chance to work out a plan. As soon as I received and completed the Loss Mitigation paperwork, I faxed it to them April 8 2008. I never heard from Saxon, so I called a week later. They claimed there was nothing on their computer about the Loss Mitigation, So I redid the paperwork and faxed it the Same Day April 12 2008.

Yet I still had not heard from them so I decided to send a May payment in good faith. But the mortgage company did not acknowledge that they received it. In fact I did not receive a statement. Not wanting to give them a reason to take my home, I sent another payment June 8 2008 using an older payment stub and a letter. A week later I received a call from the mortgage company. They did acknowledge receiving the May payment, but they placed it in another account to use toward a repayment plan. The mortgage company also asked if I paid another payment, it would aid me in my repayment plan. But after that not to send any more until a plan was worked out.

Well I informed Saxon that I did send out a payment a week prior. And few days later, I checked my on-line bank statement and the second check was paid out to Saxon Mortgage on June 17, 2008. The money was subtracted from my checking account on that day by the bank in my checking account. I thought everything was fine, UNTIL...

When I still did not hear from Saxon nor receive any statement during the week of July 20, full month later, I spoke with Stanley a representative of Saxon. Stanley of Saxon delinquent department claimed that Saxon did not receive that June check. He wanted me to send proof of confirmation. So I quickly got a copy of the front and back of both checks from my on-line banking which showed the date it was cashed and paid to Saxon mortgage along with a running on-line balance bank statement of my checking account showing when both May and June checks were paid out. According to my bank, it clearly showed the second check being paid on June 17 2008, more than a full month before. I faxed it to the Delinquent Department fax number provided to me by Stanley with Saxon Mortgage.

Several days later they still claimed they did not receive it. Then I told the person over the telephone that I did faxed it too them and I will again go ahead and re-fax the information to him right then and there. He then claim that he finally found the information and did acknowledge that I paid it, but he claimed that they did not received the check until June 21, 2008. In fact the Saxon representative claimed that I broke contract with the company because he claimed that I was suppose to get it to them by June 20, 2008.

Well, 'DO-THE-MATH!' My bank subtracted the money from my Bank checking account, paying it to Saxon Mortgage on June 17, 2008, which is four (4) days prior than June 20th. Now the mortgage company delinquent department wanted me to refill out the Loss Mitigation paperwork based on their claim that they did not get the check until after a date they set. Yet no one ever set a date with me since I already had sent the check PRIOR to the discussion of me sending a second check. Well I still had the originals saved on my documents so I refilled them and faxed the paperwork immediately.

Yet something kept stirring at me. I felt as if I was being conned and my information was being manipulated by the Saxon mortgage. I began to believe that Saxon was deliberately setting me up so that they could foreclose on my home. The recent news of a family whose home was foreclosed and the wife committing suicide came to mind. The husband claimed that his wife was working with the Mortgage company's Loss Mitigation department for months and she was constantly calling them sending them more paperwork. He mentioned that she had to redo the paperwork several times because their mortgage company claimed there was a slip up, or they did not get it, or it wasn't gotten to them on time. Maybe, I would not had paid attention to the news when they spoke of that on CNN, but it was the 'COLDNESS' of the TV CNN money news people that got me. That was why I remembered it.

Although I never received a notice of any foreclosure, I was so frustrated and fearful of loosing my home that I told my son we may end up loosing our home if Saxon continues to playing with me.
On July 25, 2008 my son connected me to a friend of his who did a three-way calling for me to speak yet with his friend who just happens to work for a company that specializes in negotiating better mortgages for the homeowners. Since July 28 2008, I hired his company to negotiate on my behalf for a much better mortgage with Saxon. His words were, Stop paying them, do not talk to them, if they call tell them that my company is doing your talking for you, and if anything regarding foreclosure should come in your mail just FAX it too me immediately so that I can stop the foreclosure process.

I did finally begin to receive a Saxon billing statement on August, but it had the payment as received by Saxon on July 10 2008.

What a bunch of crock??? Saxon manipulated the information in their computers so much that they have the funds for the check, which was cashed and paid by my bank to Saxon on June 17 2008, as received and paid a FULL MONTH later.

Isn't it illegal for Financial institutions to be manipulating the information of the homeowners just so they can STEAL the homeowners home right from under them? The FBI and the IRS should be freezing Saxon's operations, and assets immediately. Everyone from the owners of Saxon to the top CEO to all the employees in the Delinquent Department and the Loss Mitigation Department should all be arrested and taken away in hand-cuffs and NEVER ever be able to 'SEE-THE-LIGHT-OF-DAY' again.