The company is now part of Wachovia aka HomeEQ aka First Union Home Equity Bank. Long story - made short. Company contact me when I was dumb enough to put my name on a website (hope this one is not a mistake). Applied for a home eq. loan and told them it was due to illness and being out of work on half-pay. It somehow turned into a morgage. I was told 8.75 and 15 yr. term. I was told it was a fixed rate, but not told it was based on 'simple interest' which I never heard of for a morgage. I did not receive any information when we signed the papers, which showed the loan amount only. I was told the papers had to be returned within 48 hrs. and we were a little too trusting and did sign. I never received papers until I called over 10 times. We receive our monthly bill and paid on time, it did not show the rate, balance or interest paid, nor the high fees. We called the first year and question the high amount of interest we paid when we received the 2000 statement, they said they would check and reply within 30 days, never happened. When HOMEEQ took over the morg. we were shock at the sometime 0 amount of priciple paid. We called and called, wrote letters and contiuned to get the 30 day answer. It was not until Wacovia started the billing that we found out about the simple interest (still took letters and calls) when we asked for an amorization table. We did find a fax from the 1999 loan that the loan was subject to the home beings worth 150K, which it is not and never will be. We have tried to obtain a copy of the 1999 appraisal and were told by Wacovia it was lost, as were many other papers. We were told by a lawyer that appraisal companys may be sued for doing the overvaule amount. We wrote the appraisal company and they will not give us a copy and Wachovia has not attempted to obtain on for us. They did refinance our morg. at a lower rate in 2006, but it will not give us back all the money we lost and has ruined our plans for retirement. We lost at least 80K in the course of the six years. We are both working disabled, I have MS and my husband is an amputee from Viet Nam - !00 and he still works. Even if there is nothing we can due, it feels good to blow off steam.