I have been with ASC since Mila sold me over Sept. In no way does my tale make me faultless. If it was a faultless thing I would not be in the snafu that I am in.
By October of last year my husband had been laid off his employment and trying to keep up I paid 50%-75 % of the loan for the next 2-3 months. ASC was constantly aware and they thanked me and said I was not being charged any late fees, and were very kind. By the 1st of the year things had not gotten better so I was told to set up a repayment plan to get the money back in and stay on track. I agreed to a payment arrangement of $1400, and awaited the documents to sign.
Upon getting my 1st payment slip it was for $1900 a amount that was not agreed upon and I called to try and fix the mistake. The very green customer service agent was apologetic and we set a new plan in motion. This happened 3 times and I never got anything in writing.
So basically to ASC I had broken 4 repayment plans and I was to blame. I also found out all this time they were charging late fees and reporting to credit bureaus (things they said would not happen). Just as a side not. I made all payments by phone so I would have a confirmation... Some would post 10 days after the fact.
So by March I have been dealing with collections, and now they send me to loss and mitigation to reagree to a payment plan which will be faxed asap for me to see agree and sign. The loss and Mitigation specialist told me for what I owe I wouldn have to make a down of $3500. Not knowing where this amount came from I questioned it and told him no paperwork I had equalled this amount. Of course he acted very sympathetic. He put me on with another Mitigation specialist who told me in my situation and with my homes value increasing I could do a Modification program for my loan.
For those of you who don't know a modification takes the money you owe and puts it back into the loan. Then my original payments of 1100 would have been $1175.
I was really excited about this plan and got all the documents in order (letter of hardship, financial worksheet, paystubs for both of us, bank statements, etc) and sent them with a $1200 deposit. This was March 17th.
I called 2 times weekly to see the status. Every time I called it was in review, but all documents were in and I was so diligent they would most certainly approve this (this is what they are telling me). This went on for 3-4 weeks and I called 3-4 times weekly.
Every time I would call I would ask if I should still make payments to the account. Everytime I was told no, because there would be a approx $3000 down to complete and save my $.
Ok, we are at mid May now, I get a call. Asc is saying we have not received your pay stubs, or financial worksheet. Can't complete until you send. I of course told them on what dates (since there are soooo many) that ASC has said they have everything. I again send via certified mail... Again, and faxed 4 times. June 1st I call and ask if I have payment yet, so I can pay now. I am told no, but will be real soon
June 10th - went to a real estate friends house. She asked, why is your house for sale on a foreclosure site. WHAT!!! FREAK OUT
Called ASC, oh yes it was put on foreclosure 5/27/05. Because I had cancelled the modification... WHAT!!!
ASC backtracking, very upset, must be a mistake. I say well then let me pay now. They don't have a total owed and they suggest the modification again. Do everything all over again sent out 3 certified copies, and 5 faxed ones (not joking) got confirmation on all. Will take 45-60 days for approval, save money told not to pay any now (I have been asking to pay since April) Both have jobs, want our house secure. I have called them every other day for updates, each time its still pending... Getting sick and scared.
August 1st rolls around... Nothing. Finally get a call from the person working on my loan, whos name was kept from me and I could not call.
She is very sorry for all the time and effort put into this by me because... I don't qualify for a modification. WHAT THE $^& (&*&)!!! With attorney fees (what attorneys) and late fees, and blah blah fees I now owe $14,889.
The only thing I'm able to do is pay half (I paid $6000) so they stop the foreclosure sale. She tells me everything I was told by previous multiple people are wrong and uneducated. I tell her her department of mitigation is the recommendees. Nope she says, only she could give me the right track. Thanks for that.
So now I have $1900 payments that are almost going to be impossible to pay with all the other bills, my house is on suspended foreclosure and the little one is screwed. I have asked for documentation of all conversations, notes, computer transactions, names and payment history for my knowledge. I am told I am not entitled to it.
I want to sue and get away from this company. They want this house. Any help please!!! I know I was wrong to but not to deserve this, I have been willing to pay!
Niki
Apple Valley, California
U.S.A.
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