My mortgage was taken over by Fairbanks Capital in 1998. At that time I was in Chapter 13 status, paying weekly to my trustee. I had no knowledge of Fairbanks until my completion of Chapter 13 in July. That is when my nightmare began. I overpaid through the Chapter 13 process, I requested an audit of my account, and found so many fraudulent charges assessed to my mortgage that I was outraged. The final result happened last Friday, October 8: without my knowledge, Fairbanks foreclosed on my property without any audit being completed or final foreclosure notice being forwarded to me at all.
I am so overwhelmed that they have had the ability to ruin so many lives. I filed Chapter 13 while going through a divorce to save my home for my children, only to have Fairbanks foreclose on me. I need to know where others have turned to get refinanced at this point, due to the fact that Fairbanks has ruined my credit. I am at a loss for words. I thought when the US government filed suit I would somehow be protected from all of this - was I wrong. This is criminal what they have done. Only to change their name at the end.
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