About 2 years ago I refinanced with a company called Citifinancial Mortgage. Everything was fine until my financial situation at home changed and I fell behind on my payments. My payments are due on the 14th of every month. I was behind 2 payments, but I made sure every payment was made before the 14th of the month.
I called them in March, when I received my income tax, to catch up on all the payments. Then the next month my payday was just after the 14th, and that's when the phone calls started, with them telling me I was 2 months behind again. When I went to send them a payment, they would not accept it. They told me I would have to make 2 payments in order for them to take it. On July 30 they called and left a message for me to call them before 3 o'clock or else. So I called them back before 3 and asked the guy what was so important. He said he needed me to pay 2 house payments by the first of August or they would start foreclosure on my home. He said he needed me to do a check by phone that day before 6 o'clock. The total amount was 1101.42. I told that guy I did not have that kind of money and that I would have the money on the 5th when I got paid. He said that would be too late, so I asked why, because my payments are due on the 14th. He then transferred me to a supervisor named Terri, so I asked her why, because my payments are due on the 14th. She said that after you miss one payment, your due date is the 1st of every month.
So I told her I would call her back when I could see what I could come up with. I called back about an hour later after borrowing the money from a friend. Then she told me I was one payment behind. So on September 1 I called to make my payment and was told they needed 2 payments because I would be 3 payments behind on September 14th. I got mad and said you people told me my payments were due on the 1st, and she said they were due on the 14th, and that would make me 3 payments behind. I told her I have a house payment right now for you, and she said she would not take it unless it was 2 payments. That's when I said this is ridiculous and I think I need a lawyer. So she said she would take the payment only if I post-dated a check for the 16th of September. So I did, because I fear I'm going to lose my house. Now I fear that on the 1st and 14th of October they are going to want 2 payments or take my house. I can't keep giving them 2 payments a month, because I only get paid twice a month.
I have to have money to pay my other bills. Someone please help, because how can they do that? I am afraid for my home. I am trying to do what they ask, but how can you when the dates always change and they call every day threatening you? I think I need a lawyer to end it.
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