Somehow my paperwork never got to them. I faxed it, mailed it, faxed it again, mailed it again, never got it (according to them). So I took the Titanium Solutions route (suggested by Saxon), was put in contact with a local realtor and she helped me by emailing my application and faxing it herself. Still not received.

She put me through on a conference call with Saxon and explained that I was trying to do this and we were told they out source their faxes to something called Serve Pro.

She tried to fight with them about their faxes etc. This was over several months. By this time I was told I could no longer make payments until I paid some laywer fees, like $5000.00. One of my friends called me and told me my house was to be sold in a Sheriffs sale in 2 weeks.

I had no knowledge of this, no paperwork sent to me etc. My house was sold and I was homeless for 3 weeks. I had no idea this would happen. I have spent my whole life as a Firefighter/Paramedic helping people, now I have to hold my head in shame thanks to these folks.

I have to explain to my 2 kids why we were homeless and pay rent to a ruthless landlord because of this foreclosure. Anyone have any ideas of how to make sure this does not happen to someone else?”

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HELP-what should I do? I actually have pretty good records, I have some of the people’s ID numbers. I even have a letter I meant to send to the Att. Gen, but was told it was a waste of my time. I am on Medicare due to disability, that $5ooo was everything I had, this is my home and this is nearly unbearable.”

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I have been through a seemingly impossible series of events prior to being tricked, lied to , and emotionally steamrolled by Saxon Mortgage Services.

My wife of 18 years left me for an airline pilot, she realized later she didnt know what she had and wanted to come back…aahh, too effin bad. She learned the definition of No, and Hell No, and many other valuable lessons in collateral damages of stupidity.

Not long after that, the engineering firm I was employed by for 13 years let me and over 75 other long term employees be informed that they would no longer need our services and are forced to say “buh bye” and “thank you, but you can leave now…right now ” Ouch !

I entered the unemployment universe and had never been there before. I had lots of company, and thought , ” Im alright, this cant last too long” It did.

Not too much after that set back… I lived through a horrible roll over car accident . I lived, I was physically broken with major head and facial trauma, I survived ! C’mon I’m no sissy lah lah, Im a tough guy…what could possibly happen next…?? Lightning ..?? NO….Crime victim..? No….Fire, Flood, Earthquake…???? NO ! Next the doctors brought me the next figurative grenade to deal with.

They found the cause of the car accident in my brain scan. A tumor about the size of a chicken egg that is causing siezures, headaches, lethargy and is inoperable , They very nicely told me as it grows I will lose my abilty to speak, and various other changes in abilities. Operating cant be guaranteed but ……oh well.

Then the money started to dwindle , no more driving due to the medical condition… I managed to establish a little disability income but not enough . I informed Saxon Mortgage of my situation and they reassured me that they wouldn’t be able to help me and informed me they were just bill collectors and are only able to collect the money. They started the foreclosure , and I managed to stop the sale of my house one day before the auction date. The next day someone at saxon said I may qualify for the new Obama HAMP program . After they received all the proof of income, They informed me I was qualified and only had to make three payments of the agreed upon amount and the new plan will become a permanent payment for at least five years.

I made three timely correct payments…..then was informed that things have changed and I am not qualified to meet the new rules . And they can do nothing, and they didnt ge4t any paper I was required to submit.

Saxon Mortgage so conveniently managed to get the payment check but had no record of any paperwork . I asked how did they manage to recieve the check but not the documents it was wrapped in ……Now Saxon Mortgage is requesting more paper work but said I dont meet the qualifications and they will not be able to help me any longer and Good Day.”

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Then, I qualifed for the HAMP trial program, paid the three months on time. Unfortunately, the next month after that I was late, due to being on unpaid maternity leave. I was canceled from the HAMP program. I then called Saxon to explain that without a modification I can not afford my home, since I am recently divorced, my ex-husband moved out, my business failed due to the economy and I am making less money than when I purchased my home.

I was told to apply again for a modification through Saxon. I have received a “run around” with them saying my paperwork is incomplete, etc. I was told my house was going up for auction the next business day – without them ever notifying me. I then got that straightened out….to be told I was assigned a negotiator. I have left numerous messages with the negotiatior and have never received a call.

I have asked to speak with a manager and have been put on hold for hours at a time, never to be connected with one.”

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I was (and still am) in the middle of a messy divorce – I am a single mother with two children. I owed them about $1100 in late fees on my mortgage with a rate of 8.4% but the loan itself was current.

The representative advised me of the NEW Goverment program that would make me able to afford my home. At the time of this “offer” I had had my home on the market to be sold- I actually took my home off the market since my payment was going down $300 a month and celebrated with my boys that we could stay in our home!! It was amazing!!

So my trial period began, my payments went from $1568 a month to $1283.00 per month- WOW what a great program for a hard working full time employed single mom..of course it was too good to be true. I got the “Modification” in the mail today, and my “modified payment” was $1563.oo per month- Congratulations!

I knew this must be some kind of mistake- so when I called Saxon I was informed that if I did not accept the agreement that I was now 48 days past due and owe them over $4000 in delinquent payments.

I have spoken with the BBB the NYS Banking Division and no one can help- I am at my wits end and sick to my stomach to have been taken this badly- so now I face foreclosure if I don’t sign the “modification” by March 12th.”

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Started the process November of 2008. Same old story as you have all reported here. Faxed 110 pages 5 times to Kwame. Talking to most of these people is a “brain drain.” Your not eligible for HAMP because your loan is with Freddie Mac. And on and on it went.

Continued to make my payments keeping everything current while drawing down on, my SEP-IRA. Naturally nothing happened. Stopped making the payments hoping to get their attention.

As an independent business owner I was not out of work but wounded badly since my business is related to the mortgage industry. Told Saxon that I did not want to lose my home, had cash flow – but just needed a lower rated from my 8.25% 7 year fixed/ajustable. Simply wanted a temporary interest rate reduction to about 3.5% and all would be OK. No principal reduction etc. Totally ignored. Lost all of my docs and then turned me down saying I made to much money. Yeah right. Thats why I applied!

Then I decided to stop making my payments. Saxon started calling all the time with their big promises of help if I would just make a payment.

Now they say that I may fit into a Saxon in-house mortgage modification program not governed by HAMP etc. Resent all of my docs again this week and now awating a call from you know who – The Negotiator! Sure.

Want to get this info out on to Twitter as I understand it can have an effect. But not to up to speed on Twitter yet.

Willing to fight these guys in any legal way possible to hang on to my home. Any and all suggestions appreciated.”

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Now I have over $2000 in late fees and when I talk with Saxon Mortgage customer service they say there is nothing they can do about it.

My plan is to play catch up and save up enough money to be able to finally catch up to the first of the month. The phone calls are horrible…at least 3 times a day starting on the 3rd or 4th each month.

Does anyone have any advice about late fees?”

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AFTER 4 MONTHS i was told my original loan amount was too large for the government program and that i needed to start all over requesting an ‘in-house’ modification…i had to re-submit everything many times over. The frustration compounds knowing that SAXON SHOULD have told me in a few Seconds that my loan was too high(by aprox $6,000) – oh and they would not let me pay down the balance so i could conform to the program!!

In October i finally got the in-house modification put together. Huge relief i thought…The first week of November i received documents to have notarized and scraped together $13,982.10 for the required deposit, sending everything next day air to arrive ahead of the deadline.

I never heard from Saxon again; no letters etc…in the meantime i started getting statements from Ocwen of Florida and the information that was on their statement did not align with the terms of the Modification.

I called Saxon they said they could not tell me anything i needed to call Ocwen – my loan had been transferred to another company for servicing. fyi-These guys are far worse to deal with than Saxon!! After i faxed my mod agreement to Ocwen on several occasions and numerous calls to managers – who i was put into their voicemail with never a return call.

I finally got through to a manger FEBURARY 4TH…who proceeded to tell me i had no Modification and that SAXON NEVER COMPLETED the agreement and instead Ocwen was given the deposit i sent to Saxon who applied it to my loan balance and is now threatening to Foreclose!! What a racket!! Is there any recourse?”

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As we saw with the now epic Motrin Moms example, a PR problem can materialize at any moment, with little warning. B2B marketers also reported monitoring twitter as part of a proactive crises communications program.

Clearly Saxon Mortgage Services and parent company Morgan Stanley have a PR problem. A recent government study showed only two permanent mortgage modifications at Saxon Mortgage.

Contacting Twitter users tweeting negatively about the brand

As you venture deeper into the world of monitoring and responding to negative or hostile tweets, you should note that consumers are learning that taking to Twitter begets a response. And, with every response they earn from brands, they along with others, are encouraged, and as such, conditioned to increase their activity of voicing complaints in a public spotlight.

44 percent of business-to-customer and 36 percent of business-to-business customers respond to or use Twitter for damage control.

When you see an article on our website you can send it to your Twitter account. If you don’t have a Twitter account you can easily get one.

Readers and unhappy Saxon Mortgage customers can also send our articles to Digg at Digg.com

Saxon Mortgage and Morgan Stanley have a PR problem. Americans are starting to learn that there are few mortgage modifications through Saxon Mortgage. It is time to apply the pressure. Create a Twitter account today.

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