Hi,
I am begging for your help. For over six months I have been trying to get a workable solution or a loan modification from Citimortgage, but no one wants to help me. They do not even answer my phone calls or emails. Then, after tons of phone calls, they sent me a letter cutting my loan in half, but after six months I had to pay over $30,000, which I do not have, and they know that. In my opinion, they are pushing me into foreclosure and therefore trying to rip me off. Please find a copy of the letter that I sent to them with all my financial information. Thank you for your time.
Here is the letter:
To Vikram Pandit, CEO of Citigroup
Dear Sr.,
I am not able to make my mortgage payment on time because I am having problems with my tenants. Last year I had to send one of them to court. Please see the documentation attached. He signed the lease in June, paid the month of July plus a deposit, and just disappeared. I got stuck with all the debts, including his utility bills.
Before this incident I was okay. I called him a thousand times with no answers. Finally I decided to take the case to court in order to be able to re-rent the apartment, because I knew I could no longer pay the mortgage with my savings.
In December, when the court process was finalized, I rented the place, but I could not catch up with my debts, since I have to pay my own rent. The reason I am submitting this financial statement is that I do not want to get into this situation again. Instead, I am asking for a mortgage refinancing and/or a good reduction of my monthly payment. To help me catch my breath, I hope that you can help me in this matter and understand my situation, especially these days, when even rich people and big corporations are in need of support and consideration.
Thank you for your time. I look forward to hearing from you soon.
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