I became disabled in a car accident in September and got behind... My car insurance company was slow/delayed in paying me wage replacement. Because of constant delays by my insurance company (Farmers Group) I couldn't make my payments on time and was put into foreclosure in May.
I tried to negotiate with Countrywide, I explained about my accident and that the money was coming, but they demanded the arrears be paid before July 7 Sheriff's sale.
Meanwhile, I get letters and notices from Countrywide and their lawyers. They sent me 2 different pay-off amounts, made mistakes in the notice they published and it was one screw up after another. I didn't know what was correct or if ANY of what they claimed I owed was accurate! I suffered from a traumatic brain injury in the car accident, and I had ALOT of trouble dealing with "normal" everyday things, but facing the foreclosure was a nightmare. I was so upset and scared, I didn't know where to go for help or what to do.
On the date of the Sheriff's sale I went to the courthouse to protest or try to do something to stop it! To my surprise it was post-poned! I was relieved and kept praying for more miracles. It was post-poned AGAIN! (To this day I do not know why!)
On July 17th my insurance finally notified me that I would recieve the back money (by July 21), and I immediately contacted Countrywide's "Foreclosure/Work Out" department and spoke with a supervisor by the name of "Hector".in order to reinstate my mortgage, he told me to send $3,075 by Western Union Quick Collect to a Countrywide Home Loans account in "Drake, CA." by July 21 and that he would order the foreclosure and Sheriff's sale on Aug. 7 to be stopped and to simply resume regular payments. On July 21 I sent the money as instructed and I was SO happy and relieved I cried like a baby.
On August 6 at around 4:45 P.M. I recieved a call from Countrywide by a representative named "Jillian". She stated that they were NOT accepting the reinstatement funds I sent and demanded MORE before the sale the next day. She was asking for thousands, and I told her I couldn't come up with that much without any notice, then she "offered" to arrange for payments of $1200 per month. It was double of what I normally paid and I told her I couldn't afford it, she said she didn't want my house and I told her I DID. I protested to no avail, she said there was nothing she could do if I did not agree. I asked her why she waited until the last minute to inform me and that I had made an agreement with Hector, but she said that he wasn't authorized to make that agreement! She said they were sending my money back and I said I did not want the money, I wanted my house! Despite my hysterical cries, my house was sold at Sheriff's sale to Bankers Trust of California, N.A.
After the sale, I went from lawyer to lawyer who told me there was nothing I could do, to sell it during my redemption period.
But I was outraged that my house was literally STOLEN out from under me, and I pledged to take my battle as far as I could until I could get someone to listen to me! I stood my ground, and began to research and found out just how corrupt and fraudulentCountrywide/Bankers Trust in their practices.
Countrywide Home Loans is merely a subsidiary of a HUGE national AND international group of predatory investors; DEUTSCHE BANK from Germany (affiliated with Japan/Orient as well)!
We need to FIGHT back, go after the brain of the operations. I have compiled a list of violations of numerous state (mostly Michigan) and Federal consumer protection Laws that they are being allowed to thumb their nose at!
It's been nearly 2 years since the foreclosure started and I'm STILL IN MY HOUSE! There's one law that they have "overlooked" and that is "Thou shalt not steal". I urge each and every one who has had or is currently dealing with Countrywide to join me in demanding FTC/Attorney General file a Federal Class action Lawsuit. I urge you to file complaints with every State and Federal Consumer Protection Agency. We always have the option to go "Hollywood" too! God Bless and DON"T GIVE UP!
Lana
Ionia, Michigan
U.S.A.
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