Homeward Residential QWR next steps

Righteous

LoanSafe Member
Feb 5, 2013
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Hi everyone, newbie to this forum...
Paid off my loan with AHMSI summer of 2012.

Started the process of acquiring a new home loan and pulled credit.

Homeward Residential is showing lates throughout the life of the loan from 2006-2012.
The lates continued a few months after the loan closing and payoff.
I was only late during a forbearance agreement, and had to be 90-days late to qualify for a modification, but not for six years.
I requested a investigation through the Credit Bureaus and Homeward Residential. All came back verified.

Option One is the original mortgage lender known to the industry as a predatory lender who sold me this loan under false pretense utilizing falsified documents. AHMSI the loan servicer is a debt collection company who has violated multiple laws, and has been subjected to numerous consumer complaints which lead to civil law suits filed by the Texas AG, Ohio AG, and Massachusetts AG.

I requested a QWR and finally received a partial packet in mail today.
What are my next steps? Forensic Audit? Contact attorney?

My Complaints against Homeward Residential:
1. Ignoring dispute, complaints, and Qualified Written Requests
2. Failed to apply payments or credits towards loan balance in a timely manner
3. Entering on-time payments as late to exact illegal unauthorized fees
4. Refusing to accept payments after I was allegedly in default
5. Refusing to accept payments because payment was not large enough to cure alleged default
6. Coercing the homeowner in agreeing to a forbearance agreement stripping my legal rights
7. Misrepresenting their services imposing illegal requirements not allowed by the loan modification program
8. Requiring a default of 90-days on mortgage to trigger loan modification
9. Charging absorbent monies in unearned and unauthorized fees
10. Creating false inaccurate reports to major credit reporting agencies

Thank you, and keep the fight
 

Righteous

LoanSafe Member
Feb 5, 2013
2
0
0
Lots of views but no replies with comments:
I have received the documents based on the QWR.
Now what do I do? What are my next steps? Hire an attorney?
Homeward Residential is a fraudulent debt collection company.