So many things have occurred with this company that I don't know where to begin.
We have been reported late every single month and threatened with foreclosure, even when we prepaid 6 months in advance; they reported every single one of these as late. Now they are stating we are 120 days late. In 2001 they put us into foreclosure for the reasons above. To clear the default, they demanded $11,998.89, which we paid in September, stating it was for legal fees, corporate fees, insurance, etc. (which, by the way, they are force-paying and we already have homeowner's insurance). We paid because we did not wish then or ever to lose our home.
Now they say they have no record of this. They have no record of what we paid and are attempting to collect well over $70,000 on a mortgage that was some $55,000 years ago.
I have talked daily to customer service, and a different story comes each day. Since August 26, I have faxed so many times to all the numbers they give, only to find out that they say nothing was ever received. We had a prepayment penalty that ended a year ago, and they are saying it has not, because their records indicate different time frames than the paperwork we signed. The property tax was reported paid by them, yet I am receiving late and delinquent notices from last year from our county saying it was never paid.
I am at my wits' end. They are once again trying to collect well over $7,000 from us or take our home. We were ready to sign closing papers and now we may not be able to, since they are reporting us as late. It is a nightmare and I can see no way out of this. They are prohibiting us from refinancing and demanding money we do not have to give.
Pam
West Middlesex, Pennsylvania
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