On august 04 me and my hubby bought our second home, a primary residence, and at closing I was told that our payment including taxes *new home may jump slightly then the assessed taxes* and home insurance would be 1347.00 per month. We gave the 56000.00 check to them to avoid PMI, and went our merry way.in May less then 10 months in our new house, we check our online payments, and voila we had an overdraft on our mortgage of 300.00 that we didnt know why.
We called Countrywide, and asked 1.) why this new payment is 1647 vs 1347. Per month.
2.) Who approved this, and 3.) where did I sign on the closing for a balloon rate because I wanted a 30 Yr. Conventional FIXED rate mortgage, and wheres my monthly statement from you notifying us of this stuff?
Their reply was 1.) we have the actual taxes now, and we need the additional 300.00 to make up for it. 2.) We did, and you were told that due to a new build, your taxes may increaseyour monthly statement *this was not a lie*, 3.) no you signed and closed on a 30 yr fixed conventional mortgage, and we will start sending them to you as well as have them on line for you.
So we both said ok, well we just have to pay it, work some more overtime, and give up the frilly stuff.
Christmas was 2 days ago, I opened my mail today from Countrywide, *important tax documents inside* so I read it. Payment recieved on 12/16/05 for 1647.05, amount due on 01/01 2350.92!
I nearly fell to the floor, I am never late on payment, never ever missed a payment, and now my payment is nearly 1000.00 over what it was 9 months ago. NO explanation other then my taxes again went up! But when i went into my account link tonight, my city/school taxes and my home owners shows that I annually pay a total of roughly 5000.00.
The website shows i already in the year 2005 paid a total of 7000.00 in taxes this year, 2 seperate times, 02/05 and 09/05 each time roughly 3500.00. Now I have to call them in 6 hours, and get an explanation on to why this is, then talk to a new mortgage company because I dont want to loose my house. And the best part of this is I DONT HAVE THE EXTRA MONEY, cause its 2 days after christmas! I dont want to loose my house, and i have no where to go if its taken from me. How does this happen to a person that is never late with bills, never misses a payment, and never is dishonest?
I am all up for a class action suit against these criminals, because right now it looks like they are about to steal my house from me, and I have no where to go and nearly nothing to loose.
Say a prayer please because i need it.
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