I was 4 months behind on my mortgage, a total of $2,112.00 ($528.00 per month), and agreed to a forbearance agreement which has cost me so far around $5,500.00, with legal fees being around $4,000.00. As of April I have been in constant contact with someone at Fairbanks Capital Corp. One person tells us we are paid up to date and another tells you that there is a difference of about $2,300.00 in legal fees that is still outstanding.
I am trying so hard to make myself creditworthy, and just when I thought I would refinance I'm again kicked in the face. It seems that Fairbanks Capital Corp has my mortgage listed as being in foreclosure, so I just filed a dispute with all 3 credit reporting agencies! My house is valued at about $58,000.00 and my balance at Fairbanks Capital Corp is around $39,000.00.
I FEEL AS THOUGH I'M BEING HELD HOSTAGE AT AN INTEREST RATE OF 12.35%, when everybody I've spoken to stated that I should be able to get a much better rate if my mortgage wasn't listed as being in foreclosure. To my surprise, everybody I spoke to also stated how crooked Fairbanks Capital Corp. was.
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