In Janaury 2007 my mortgage was sold by Decision One Mortgage to Saxon Mortgage - and there the problem started. Although I was not aware of any issues with my mortgage account until I had requested a modification in November 2009. I spoke with a CSR, who told me the 80.00 lower payment amount and made my payment based on that. I was told I would received a packet of papers to be completed, which I did not receive at that time. I was laid off from work in December 2009. At that time I noticed I could no longer make my payments via Western... read full review »