I live in Pensacola, Fl. We had a major Hurricane hit our City in September. We filed bankruptcy in because of financial difficulty.
Even though Chase has a Code of Ethics. They refused to work with us... Thus... Bankruptcy. I also want to mention that when we were trying to refinance our home through another company. We were told that Chase would'nt finance us. Then the day we were signing with a different lending co., we were told that Chase bought our mortgage.
Our bankruptcy went to court Aug 25. Hurricane Ivan hit 22 days later.
Since this time, Chase and thier Bankruptcy Lawyers Codilis & Stawairski (who are in Tampa, Fl. And were hit by 2 major hurricanes right before us) Have made our lives a living HELL! We started trying to call them about 3 days after the hurricane. We would be put on hold for 45 minutes, transfered around, or left messages with no call backs.
Only after I wrote the O.C.C., Governor Bush, FDIC, and anyone else I could think of, did we get any kind of response. Only to have them come back and bite us in the ass at a later date. Since we could not work for about 3 weeks after the hurricane. There was no way our payment would make it there on time if at all. Either for that month or the next.
We had to use some of our mortgage money for Sept. To buy hurricane supplies. We had trees on the house and all around it. It took 2 days just to get the trees off our cars.
We were 18 trees down in all. We have been fighting these people hard to keep them from foreclosing since Oct. 2004. Not only did they charge us $3,000.00 in atty. And late fees. (During a Presidental State of Emergency, our state was considered a catastrophy state.) But they took this from our Insurance proceeds along w/the mortgage payments we were behind. $6,300.00 in all.
They continue to tell us we are behind in payments. Sometimes its 1 month, sometimes its 2. But it always comes with the threat of 72 hrs or else. At which time, I AGAIN ask them for a detailed account of my mortgage account, I wanted any and all transactions made to or against my account from Aug. 2004 until the present date. This is the same account I have been asking for since Dec. 2004 and have not recieved as of yet. I now want to see all transactions for my account since the begining of my mortgage with them.
This is also not to mention the fact that Chases Lawyers held on to our Insurance checks for one and a half months without even telling us they had them. Since there was no communication, solely on their part, we had no clue the checks were in their possession.
We live paycheck to paycheck we were then and are now having to use our funds to repair, clean up depris, buy a chain saw, gas, etc.
It is not hard to figure out that us, along with many other Floridians needed these insurance funds along with payment deferrments, in order to survive Physically, mentally and financially. They didn't then, and don't now, give one crap.
They continue continue to apply my payments late, despite the fact that I sent them return reciept and know exactly when they get there.
If I could refinance w/someone else I would, but Chase has messed our credit up so bad that this is impossible. And whose to say that they wouldnt just buy this motgage up also. I have spoken to a few people this has happened to. This seems to be common with them.
I have recently fired our bankrupty lawyer Because I didn't feel that she was looking out for our best interest. I am also trying to start a petition in order to try and get a class-action lawsuit started in Florida. So please anyone that wants to sign. Come on!
I would also like to add that I am not afraid of Chase Manhattan or their Mobster Lawyers! I will do everything in the power of my being to bring their theiving, manipulative Corp. Out in the open for everyone to see. I honestly believe that Chase Manhattan and their lawyers are doing preditory lending and forclosers.
And one more note for Chase while this is my home and I love it dearly, My home and the home of my children is where we make it. Not you. I should also tell you that wether or not I win this round or not. Watch out, because I am going to be starting back to school in the next year and guess what I am going to study??? MORTGAGE LAW!!!
Dianne
Pensacola, Florida
U.S.A.
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