In Aug. 02, someone got ahold of my husband's debit card number, and cleared out our bank account. Well this made our Aut 02, house payment bounce. I contacted Homecoming, and made a payment arraignment with them. To pay 1235.00 (1 1/2 payments) by Sept. 30,02. And again in Oct 02, as to make up the Aug 02 payment. On Sept. 22,02. I western unioned, $1235.00 to Homecomings, and felt everything was fine.
In Oct 02, I called them and gave them a check over the phone (by this time the bank had corrected our bank account) which they gave me a authorization number, and mailed me an acceptance letter for receiving the check.
On Nov 11,02. We received a foreclosure notice, Having NO clue what this was about I called them. Spoke with a lady, and was told that they never received the Western Union. She also told me that I owed for now - Aug, Sept, Oct, and Nov. And the sheriff sale was to be Dec 17th 02. I gave her the wire numbers off the western union receipt, and that is the day they picked it up. NOT my fault they didn't pick it up.!!! But because they didn't pick up the WU, they never cashed the check from Oct. 02.
I told her to cash the check from Oct, and that I would send in my Nov. The following Fri. She refused. She claimed that we NOW owed Sept, Oct, and Nov, and that if we paid $3665.00 by Nov 23,02. That would catch us up. This was 1/2 of sept. Oct, and nov payments with over 1200.00 in administration fees. When asked what fees, I was being charged $20.00 a day to have someone drive by the house and make sure we still lived there. If that isn't BS!!! I don't know what it.
Well on the 23rd of Nov. I called to find out where exactly I was to send this money, and was told that they lady I was working with was on maturity leave, and they would not accept this arraignment. I new amount to be sent was 5200.00 by 5pm that day, or sheriff sale would continue. Well, I didn't have it. I went to a mortgage company that afternoon, to re-fi my house, and found out I couldn't because according to my credit they had already put a FORECLOSURE statis on it, and NO one would re-fi it. But they did because they picked up the WU, postpone the sheriff sale to Jan 07.03.
I contacted the Michigan Attorney General and filed a complaint. They sent back to them a complete different story, something about I promissed to make payment to them on Dec. 10 02. After talking to them on the phone that day. Which is complete BS, because on Dec. 10 02, I was sitting at a hospital with my mother who died that day. I wasn't even thinking about a mortgage company. I tried to prove this to the AG, but it never went anywhere.
Homecoming STOLD our home. We owed 92,000 on a home worth over 124,000. They have NEVER came after us for any monies. They sold the house for 88,000 and my credit report says I owe them 4121.00 But they have never pursued anything, and we purchased a new home in 06, and when the mortgage company called them for info. They claimed we owe them nothing. Why do we owe them nothing, if our credit reports say 4121.00?? Is it because they KNOW they did WRONG!!! You better believe it.!!!
If there is anyoe out there that knows who the attorney firm is that is Class Action lawsuit them, PLEASE let me know, I am very interested... I still have ALL the paperwork.!!! This company should be shut down.!!
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