My nightmare started when my husband was off of work for 6 months on medical leave. I called homecomings to let them know our situation and that we where having problems with the payment because we where waiting for my husbands benefits to start. They told me that we where not far enough behind on are payments to help us, I told them I was trying to avoid getting behind that is why I was calling.
Once we did get far enough behind they told us they would stretch our areage over 3 months, and this would raise our payment, My husband was still on medical leave we could not afford the regular payment let alone there way of helping is to make it bigger. We kept paying as much as we could,
I called them again, they said they would send me out a packet of the different programs they offer to help out in our situation. Once they found out about my husbands 401k that is all they would talk with me about, I told them we could not take out from it on under hardship. The rep told me they would let us take out from the 401k with the letter that he was going to send. It was notice of forclosure, I flipped, I could not believe that this was there way of helping out in a time when they knew we where trying our hardest not to get behind.
We took a hardship withdrawl from out 401k to get it out of forclosure. Next thing we know we are being told we owe more money then what we had already paid. They began forclosure again, we called an attorney and filed bankruptcy.
When we where allowed to start making our payments again, the first time I called it was 1,456.00. The next month when I called to pay it the rep told me that the person I had spoken with last month made a mistake and our payment is 1,553.00 I paid that too, I called again the next month to make our payment that rep argued with me because he said we owed 1,760.00 this time. I told them how is this possible every month our payment is going up, we are paying 1,760.00 for an 145,000.00 loan, it makes no scense.
Well since we had filed that bankruptcy under chaper 13 we are living on a budget, but not one that accounts for hundreds of dollar increase every month. No one could keep up with that. My attorney went to court to answer their claim to lift the stay off the forclose. This is the deal breaker, hold on to your seatsm. We have to pay a total of 3,331.61 A MONTH FOR THE NEXT SIX MONTHS they sat our regular monthly payment was supposed to be 1,895.00 a month so they went back and charged us at that payment plus attorneys fees late fees what not. I called our attorney and told him we give up, they can take it.
I just wish that someone would do something to stop this kind of practice. These people are messing with families lives. This is not just a house to us but it is our home and we have to leave it eventually, because some blow hards in texas would not help us from the start. They where out to get us and they did.
I hope above all hope that someone will read this and do something to help us and to put this company out of business. Forget Enron and hewlett packerd go after these companies that are screwing everyday people!!
0 comments