All my issues with Saxon Mortgage started when Hurricane IKE hit here in the Houston, Texas are in Sept. 2008.
During the first part of the year in 2008 I was behind with my mortgage payment as my work was really slow, being self employed. So the first thought was to call Saxon Mortgage and tell them what has been going on and to see if they could help me, in return they put me on a re-payment program with them. I agreed to pay it and be on time with their agreed amount that I was to pay. Now being the only income provider as I'm a single person, my payment was set at $2000.00 per month. I agreed to pay that amount and I was doing OK until Hurricane hit here in Houston, Texas. During the time that the Hurricane hit, I was due to make another payment to them, this was to be the second to the last payment that I owed to them. As I already paid all the way till then. Well we had lost all power, all forms of communication, no food, no gas, no phones, cell phones, water, everything was out. My state Governor Rick Perry had declared a State of emergency, and told the people of Houston that your creditors would work with you thru this tough time that Hurricane IKE had caused here in Houston, Texas. When I was finally able to call Saxon to pay my payment, after we got power and was able to call out with phones, I told them that I would like to pay the re-payment agreement in full and be over with it so that I could resume my original payment which was $ 924.01 per month. They refused to take my payment and told me that the re-payment program was canceled out during the time that the Hurricane had hit here in Houston, Texas. I told them what had happened and its like they thought I was trying to make up some kind of excuse. I begged them to take the payments and they told me that there was nothing they could do, Except for them and myself to do another re-payment program with them and now the re-payment program would be a fee of $ 2800.00 per month for another 9 months. I told them that I couldn't afford it as I'M a single income person in my house. I even told them that it was very hard for me to pay my original re-payment program of $2000.00 per month. It just seemed as they didn't care about anything that had hap pend here in Houston and all the devastation the Hurricane IKE had caused. I called them several times after the first call I was able to call them after the Hurricane. Again their answer was there's nothing you can or we can do. Just a another re-payment program. I had even told them about that we were in a state of emergency here in Houston, and it was like no big deal to them. week after week I have been calling them to make some kind of arrangement with them so that I don't loose my house as I have owned my home for the last 11 years. Finally they called me and said they could do a loan modification program and i would have to see if I qualify for this new program. I then gave them all my information only to be told that I don't qualify. The the our President, Oboma introduced a new loan Modification program and I was to see if I would qualify for that program. Saxon had sent me out a packet to fill out and return to them with all documents that they needed along with the packet information that I had to sign and date every page with my loan number at the top of every page. I filled out every page, signed every page and then copied all the documents that I needed to send Saxon Mortgage. I then sent it to them Via UPS, Fed Ex, regular mail, fax, and E-mail. I have all the receipts for all the times I have sent them things, Although with all my records of sending them documents they seem to some how loose everything so I had to resend it like 5 different times. And every time I send something to them they keep loosing it again and again and again. Finally in the later part of July 09, they got everything that they needed. I was on a trial modification period pay plan with them and I fulfilled my agreement that I signed and dated in all the documents they they received. My trail period payment program was to be "3" Just "three" months to pay the amount agreed upon. At the end of the third payment they would have an answer for me if I'M approved and what the new payment would be, I waited until the first week in Sept.09 to call them to ask what the new payment amount is and when I needed to send it in by. Only to hear them tell me that there was still no approval as of yet. They also told me that the original Loan Modification was extended and that I had signed it , I told them I never got anything from them about any extension and I'M not going to agree to pay another payment until I have documents in front of me stating such as they claim that I signed. All thru this month Sept.09 I have been on the phone with them everyday, each time over an hour with them explaining to every teller or rep, who answers what has been going on. As they should have all my information on the computer that is right in front of them. Every time I have called some say I'M still missing documents and some ask when I'M going to send the payment in., "The Sept. 09 Payment in, they are still saying that I need to keep paying the amount that I was paying during the 3 month trial period program. Here it is Sept. 30, 2009, and I still as of today have no letter stating any of what they have been telling me since the first part of Sept. Just yesterday Sept. 29, 2009 I got a UPS delivered document from Saxon, stating that I have until Sept. 30th 2009 to keep me in the loan modification program. As the letter states, Dear, Steve Several Months ago, you contacted Saxon Mortgage regarding the Federal Government's Home Affordable Modification Program, (HAMP). You have completed part of the requirements for HAMP: However, there is still important documents and/or payments missing in order to qualify you for a permanent Home Affordable Modification Agreement ("Agreement"). At the beginning of September, we sent you a letter that extended the time for you to send in the missing information and, THAT TIME IS RUNNING OUT! At the bottom of this letter it quotes, Saxon is committed to assisting you in any way that we can, to complete your agreement, we want to help! OK I just got this letter from them Sept. 29th 2009 and I have until Sept. 30th to do something about trying to stay on this program, that is Government assisted. Also on the bottom of this letter it states,
if you fail to contact us by September 30, you will no longer be eligible for HAMP, this is a one-time-only-opportunity. Please call during the time from 7:00 AM- till 10:00 PM, Well i have tried to call them all day Sept. 29th and every time I called I waited on the phone for over 1 hour, then to only be disconnected, then I tried them at night after 5:00 Pm only to hear that they are only open from 7:00 Am till 5:00 Pm , Mon-thru sat. and please call back during normal business hours. Man I think at times with all the stress I have been going thru with Saxon Mortgage I'M going Nuts, I'M a single person who's been trying to keep my dream of a home owner alive, But I'm not to sure how long I will be able to go on with Saxon, they don't even let you talk with a supervisor, But I finally did, but was on hold for like 2 hours. That was last week and he was very rude to me until I made him be quite and listen to what I had to say, every time he tried to run and talk over me I got louder and louder on the phone until he just was quite and let me talk. I really need someone to help me but I cannot afford to hire any legal counsel, does anyone have any suggestions? In desperate need of Help. Thanks, Steve | 
