We had some financial issues with the complex birth of our child and got behind on our mortgage. We contacted our mortgage company and they said we could modify our payment, which would also roll our past-due payments into it and make it easier to get back where we needed to be. So we faxed all they asked us to fax and waited.
We got a letter in the mail on October 1st saying we had to sign and return the form with payment by October 1st, otherwise the deal was off. We were unable to comply because we physically opened that letter after it was too late to get it postmarked in time.
We did it anyway, in hopes they would understand that they set us up to fail and not hold it against us. Nothing was done until October 2nd. They did not. They said we were one day late and the deal was off, however there were other options available. They said they would return the check we sent since it was not a full payment, it was a modified payment.
They lied. We then set up a payment of a full month's payment by telephone to keep us above water. It was to be taken out that Friday. They took the payment and also posted the check they claimed they would return. So then we were also in the hole with the bank.
We again faxed all they asked us to fax and waited. They said they would know by the Friday before Christmas. We kept calling and calling with no answer. Finally, by Wednesday, after we had been calling every day, they told us we were denied and that they were beginning foreclosure on January 25th.
We won't lose our home. We will find a way. They won't get the best of us. We have kept thorough records of everything and have a video/audio recording of phone calls. Once we get caught up we will contact a lawyer and see what they say. I find it ridiculous that they set you up to fail and then pounce. Something needs to be done about these people. I have researched and found this has happened to many. Maybe we should all pitch in and sue them.
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