Cutting to the chase, my loan was transfered to Homeq Servicing from another lender. I was never late with the other lender. I received notice the loan was being sold and was to continue to mail my payments to the original lender until further notice. I never received any notices from Homeq.
Eventually I receive a phone call from Homeq Servicing stating I was late on my payments. I informed them that the previous lender stated they forwarded the payments to two other lenders and that Homeq will now service the loan.
During this time period I received calls stating I was late on payments. I requested all statements and transfer documents be sent to me. I was informed I had a 30 day grace period when loans are bought and sold, I "could miss a payment". I followed up this call with a letter to Homeq for answers. No response.
Later I received a call from Homeq stating I was two payments late and there is no such grace period. I told them that I was not prepared to make two payments however, I would make one payment until the issue of the other payments sent to the original lender was resolved. I forwarded another letter of concern. No response was given.
In December I received a threating call stating my account needs to be caught up or I will be referred to loss mitigation. I reiterrated I did not receive any statements including the ones I requested. I was informed the correspondence was suppressed but they will start sending them out regularly.
When I finally receive correspondence it was dated 12/28/04 which I didn't receive until 01/28/05 from the loss mitigation department. I called the phone number provided and was informed I needed to call another department because I never made contact with their office. Conversations were document and various letters were sent. No explaination was given regarding the payments I forwarded to the previous lender or why I'm being charged late fees. I was just encouraged to make payment arragements and stick to them.
I made a phone call to the loss mitigation department as instructed to do but I was informed I needed to pay the full amount on the statement no partial payments will be execpted.
I called back 02/16 and spoke with a representative and stated I was now able to pay the full amount. I was then told it was too late because the property went to foreclosure department and was told to save my money for moving expenses because they had a sale date of 05. I was told by the representative to wait for 2/25/05 to call yet another department. I waited for this date only to be told I should have resolved the issue prior to this date because it went to the attorney for failure to respond.
I was transfer to yet another department to a person that identified himself as a supervisor. He began to talk to me overly aggressive and provided yet another phone number to call to resolve the issue. It turned out to be his home phone number. He stated he was going to "handle this matter" if I "play my cards right". He stated it could go one way or another and he would hate to see me "loose your home". I told him I wasn't interested. He presisted. I told him I had a boyfriend. He stated he doesn't care. I'm going to be his. I felt trapped. He told me not to tell anyone or try to report it. If I did he would deny it and things will start to happen to my account. I never agreed to any of his advances. Days later, I requested someone else to handle my account. My request was eventually granted sometime later.
However, his passes toward me progressed and escalated. He called my cell phone daily, emailed my job over 40 times, and sent personal mail to my home regarding how I'm going to be his and various lude remarks. Being frustrated, scared, and confused, I pretended to go along with his game so to get documentation of his harrassment and to protect my asset, my home.
When I told him that I would not go to North Carolina to meet him he went crazy. Things started happening to my account. I had enough paper trail at this time so I told every representative I talked to about how I made arrangements with this "supervisor".
Each representative denied that these arrangement exist and that there was no documentation regarding any contact I had with their company. I have email from his job email account, Wachovia Bank that they can't deny.
I sent a letter to corporate office providing them with facts about my account that I documented from the beginning. I didn't want to mention the details of the sexual harassment until I sought legal council. This man knows everything about me that he obtained through my loan docs and I not sure what he is capable of doing.
Beverly
long beach, California
U.S.A.
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