We have been customers, or mortgagees, of Citifinancial Mortgage since December. We are currently past due in the amount of roughly $2000. Each time we have attempted to resolve this issue or see what we can do, we have been given the run-around. They told us they would as soon foreclose on our property as help us get back on our feet. We have tried to pay what the statements said was our past-due amount via Western Union, only to have the money returned to us.
Let me tell you that the reasons we got behind were very complex. They were based on severe health problems I have had in the past year that were uninsured, as well as critical family issues, including a life-threatening situation involving my brother and marital problems between my husband and me.
I just got off the phone with Craig from "Customer accounts" and was told they did not care about getting my money, they wanted my house. Over and over again he has advised me to just sell my house or move. I told him that with three disabled children this just wasn't an option. I told him I was able to send in the past-due amount today, and he gave me an amount of $3500 plus, which included attorney and foreclosure fees.
We have been behind this time since Oct. only and have never received anything saying the house has been foreclosed on. Do you have to go to court for this to happen? I am admittedly unknowledgeable about mortgage law, but something does not seem right to me.
Why are they sending my payments back to me? Why will they not at least apply them to my loan so I am not as far behind?
Do they just want to take my home so my children and I are on the street?
We have every intention to get current, but we need a little help from them!
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