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Home » Consumer Reviews » Mortgage » EMC MORTGAGE CORPORATION complaints - Mortgage Companies

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EMC MORTGAGE CORPORATION complaints - Mortgage Companies

Feb 9, 2004

EMC Mortgage complaint

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"I HAVE SENT THEM $2000.00 TO BE PLACED ON PRINCIPAL, THEY REFUSED PUT IT IN ESCROW WITHOUT MY PERMISSION, SENT THEM CERTIFICATE OF DEATH ASKED THEY PUT ACCT. IN MY NAME THEY REFUSED. I HAVE TRIED TO REFINANCE AS I AM PAYING 11.6% AND THEY REFUSED, I HAVE TRIED TO GET A HUD STICKER SO I CAN REFINANCE, ONLY TO BE DISCIMINATED AGAINST BY HUD, AS IF YOUR MOBILE HOME WAS BUILT BEFORE JUNE 17, 1976, YOUR DEAD. THESE PEOPLE ASK YOU TO SEND PYMTS TO DALLAS TEXAS IT IS A DROP BOX AND THEY WILL LET YOUR PYMTS SIT, SO YOU ARE CHARGED A LATE FEE. THEY NEED THEIR License pulled "

They can't just put an acct in your name, That is fraud, and if they did that they would definitely be in alot of trouble, you didn't sign loan documents for the loan, They can't just put you on it, if you have power of attorney or something then you would go on as in the estate of or something like that a death certificate gives you access to the account and not much more.

No company can refuse to let you refinance, that really makes no sense. They might not personally refinance you but they can't stop you from doing so with another company. As for the interest rate your really blaming the wrong comppany you should probably speak with the company the loan was originated with, again if they were to just change your interest rate, that agin is fraud and breaking a contract.

99% of companies use lock boxes, pick another method of pymt if you want to insure pymts are posted or rcvd on time.

Everything I said might sound like I shouldn't be saying it but you should really know what your talking about befor you talk.

Dom - T.John's, New Foundland

Canada

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