Emotional terrorism. I have the same trustee on both my first and second which were to purchase the house an 80/15. wont consider sperate but together, I get 5 phone calls a day and home inspector\’s. was sent what I consider illegal modification, pre dated adjustable rate, etc….
Archive for June, 2011
when i contacted the lender i was told no problem they could do a modification. i sent all paperwork in but they still had foreclosure processed. when i called them they said that i would have to call at a later date to stop the foreclosure. and to send other papers in to them. i did all the necessary paperwork as asked by the lender. still foreclosure was processed , they told me after several months that nothing could be done to help me.i talked to different personal each time and a different story each time. one would say no paperwork was processed or i needed to send different documents. so stressful that since they couldnt help i had no option to file bankruptcy.
Any questions unanswered are because I dont know or I don\’t have the paperwork with me. After being told more than once that I did not qualify for a loan mod, and being told just as many times to reapply, they put me into the trial payment period. (I also received at least one letter and phone call stating I was qualified.) I made those payments to the mod dept who never told the loan dept that I was making them and they forclosed. I have a 4\” thick file of all the correspondance, tho they constantly told me they mailed letters, etc, that I never received. I also had 2 contracts for short sales that I lost because Wells Fargo jerked as around (losing paperwork, etc). The first offer was $75000, the second was $80000. They sold my house at auction for $59000.
dont want to talk to me and they wont talk to me tell there is nothing they can do
Our mortgage has continually been sold to servicing companies…Homeq, Saxon and now Ocwen. We\’ve gotten very little help from any of them. We can barely pay the mortgage, plus the rent my husband has to pay in Virginia. He can\’t find work in Las Vegas and has been living and working in the Washington, DC area since 2008.
My experience with EMC mortgage company is consistent with what you have stated on your website. We continue to struggle with achieving any assistance after several attempts at modification. EMC loses documents, passes calls to several different misinformed people, cannot properly identify my account infomation, sends threatenting letters and calls several times a day when I had been paying an extremely high amount per month as a \”pre modification arrangement\”. I am paying for a home which is worth next to nothing now but the mortgage continues to increase. They have ruined my credit. Despite our diligent efforts, we have settled nothing. Home ownership is not worth the trouble of dealing with the criminals of EMC mortgage company.
I have provided first horizon/METLIFE with every document they requested for making homes affordable modification program.Unfortunately I did\’t qualify but i did qualify for homesaver forbearance program.I would make reduce payment for 6 months.During that time they would find a solution to allow me to avoid FORWCLOSURE.I paided 1/2my mortgage on time for 11momths.On the 11month I got a letter that said they are unable to offer me a home modification and foreclosure on me.I need to sue them for breach of contract and I hope a classaction lawsuit can do it.
Received a 40 yr loan but was told it was a 30 yr, and wasn\’t told it was an ARM and that the lowest rate I would get it the actual original rate and with the declining rate environment my rate is still the 6.75%
The problem was with my equity line also taken out at BOA. I was behind in 2005 by one or two payments and BOA sold them in a bundle to AIG without my knowledge or permission. I was current on my primary mortgage. I made a couple of current payments to AIG..missed one $300..called them to tell them I would be paying that with the next payment. Before I could make that payment AIG tried to foreclose. They tacked on $6000 in additional legal expenses, forcing me into bankruptcy when I really didn\’t have the other debt to substantiate a bankruptcy ($13,000 in credit cards and other debt). I could have settled that debt for about half had it not been for the bankruptcy because most of the debt was interest and some business debt that ended up in my name. AIG figured out I had equity in my home ($60,000 in 2006) and they tried to steal it basically.