I refinaced my home 9 after my divorce. The mortage company I signed with transferred my loan to Homecomings Financial shortly after. I have continued to pay my monthly payment until june. I am a single mother of two. I have a good job as a nurse and take pride in being a financially responsible person. I was hospitalized twice in may. I did not have vacation or sick pay at work yet, due to not enough time accumulated.
I called this company to ask what I could do to make my payments. Knowing my income would be affected and needing asistance. Ie: extend payment to end of laon, etc. I was offered no assistance. I did fill out a financial statement for review by this company to see if I would qualify for some type of change. I sent in all requested info. I didn't hear back from the company, so oviously I called. I was told all info didn't get sent. I did tell them I didn't get notified of this. I was told that would take to much time on their part to notify everyone of needed changes.
In September I called to question what I needed to do. I was informed that day I called, my mortage was being turned over for foreclosure. The person told me to send them a payment for sept. Of 566. Oo. This was on a Tuesday. I told him I had to work the next two days 12 hours shifts and would not be able to do this until Friday. On Friday I could not get all the money together until my check from work was direct disposited until the following tuesday, to have access to cash. I called the company back on that friday and asked if the next wednesday would be okay. I was told yes.
On the next wednesday I sent the full amount by western union. Soon after this, I received a letter from western union that the money was denied. I then called the company and asked, what was the issue. I was told since I did not send the money on Friday the mortage has been turned over for foreclosure. I then explained that I did call and was told that was ok to send it the next Wednesday. The person said they had no record of the call, and there was nothing more I could do. I then asked of the decision of the financial packet I had sent in. I was told that was denied, without any reasons.
I scheduled to go to court Dec-7 to deal with this. I also was told I have their company lawyer fees of 1000-4000 dollars on top of my loan.
I have lived in the same home for 14 years. Before and since the divorce, the mortage has been payed. I wanted to keep my children in the only home they have known. I cannot fantom the concept of being late two months, with a circumstance out of my control, and now losing my home. This has affected many areas of my life, and needless to say, my credit. I am very anxious and prepared to go to court. I am not a low life and work hard to make a living for my children. I am not going to stand by and except a corporation to take away from me what I have worked for and just think this is okay.
I will continue to trust in God, that the court will be fair and justice.
What ever the outcome, I will continue to pursue this injustice with all means. We have to all stand up for our rights, and put a foot down that somethings are just not excepted.
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