Following a divorce, I closed on a mortgage loan with ABN AMRO. They made errors on loan amount, when I called to notify them, they said I could re-finance in 6 months, and they would not charge me for closing a new loan (their mistake)!
I had paid $5000 to lower the points in the 1st loan. I called 6 mo later, and we started the closing process again. Although they did not charge me their fees, I had to pay for another appraisal, legal fees, etc, etc. They WOULD NOT honor the buy down as on the 1st loan.
Upon closing, we found they had failed to have my ex-husband sign a quit-claim deed the 1st time. Loan finally closed, but not happy (out $5000) plus money for 2nd closing. Four months later, I'm sent a letter from their attorneys, ABN is forclosing! I had never missed or been late on any payments!
After much effort, finally discovered that ABN lost the payoff check for the 1st loan, and were forclosing on it. No payments made! I told them repeatedly that I had only 1 loan on the home and gave them the loan numbers. This went on until the night before my home was to be sold on the courthouse steps! They agreed to stop forclosure, but insisted I pay for the forced insurance they paced on the 1st loan! This has been going on for 3 years!!! They have tried to forclose 3 times! Each time waiting until the night before to drop the forclosure proceedings.
My loan is still in limbo, they have completely screwed up my credit, all my credit cards have defaulted to the highest rates due to the info on my credit report (or they dropped me altogether). I have not received a correct tax statement for 2004 or 2005 (interest paid). They have reported $0.00 interest paid for both years. I have never missed a payment yet! And have great difficulty finding someone to talk to when I call. Not sure what to do at this point.
0 comments