We too have a Homecomings loan, which we were sold to several years ago. We have had nothing but heartache with this company and I would love to stop them from continuing to harm the average person. They have raised our interest rate, with no reason, to 12%! We are in HUGE trouble. We are in the process of refinancing but due to the economy and over-appraised home, it does not look good. I have told them we need to do something to get things back in control or we will be forced to foreclose on our home. They have also attempted to force their insurance on us - we provided them copies of our policy 4 times before I was able to remove it from our payment. They did not reimburse us and even went so far as mailing our payment back to us and reporting us to the credit bureau stating we paid late! I am still fighting that. They also reported us 120 days late (no 30, 60 or 90) and it took us 13 months of fighting to get that removed. I feel they did that in order to keep us from refinancing as it ruined our credit. I am so angry with Homecomings and would LOVE to get a class-action law suit against them but I am not sure that would fix the damage they have done.