Beginning in December I fell one payment late to Homecomings. This was due to my ex-spouse not paying his court ordered child support ($1850.00 per month) since September. I contacted Homecomings at that time and notified them that I would make the payment as soon as possible. Which I did in late January—however, I found out later the check was held for 15 days and my credit report indicated that I was "60 days late".
I continued to make every attempt to keep my payments current. Which I did make all payments with no further "30 day lates". During this timeframe, my criminal ex-spouse may have also infiltrated my mail causing delays (?)—which is still under investigation.in May, I made a phone payment, and received a confirmation number over the phone. Two weeks later, while checking my balance at my bank—I noticed there was a larger sum than expected. I discovered that my house payement "WAS STILL IN THE BANK"???
I contacted Homecomings and was initially told "we aren't taking any other payments from you because you are being sent to "modification"? WHAT?
I was unable to get anyone from "modification" on the phone for at least 10 days—I can't tell you how many calls I made—it was ridiculous. Meanwhile, Homecomings refused to take any money from me.
I finally made contact with a representative named "Jay" who told me I was placed in "pre-forclosure" however, he could "try to help me by contacting the LAWYERS" to place the foreclosure on hold for now. I just needed to pay "some extra fees now" for the referral to attorneys, etc. I was never given any amounts—EVER. Nor was I ever allowed to PAY ANY OTHER MONIES???
According to "Jay", I was "ok, we will try to work out a payment plan". Over the next month, I called Jay DAILY!!! Some days I could get him on the phone by blocking my number, calling from my office phone, etc. I finally became aggressive—DEMANDING that I be allowed to pay SOMETHING! I demanded something in writing—which they still have failed to provide.
I FINALLY—after two additional months basically forced them to take a $5000.00 lump payment to "DO WHATEVER YOU are SUPPOSED TO", in an effort to get this paid, AND start this process.
Mind you—by now, I still have never been told anything but "lip service" bythis company. NO true amounts owed, no ability to make payments, AND to date—I am still calling every single day harrassing them to GET THIS MODIFICATION DONE!
They accepted my $5000.00—never told me what this was used for—payments, attorneys fees. Meanwhile, they are wrecking my credit—showing now 120 day late BECAUSE THEY WON'T TAKE MONEY FROM ME. I am a hostage to this company.
I contacted them on 7/23/07 and pretty much told them I am prepared to hire an attorney myself if I don't get any information out of them. I told them "I know I am risking my home by forcing you to do your job—I AM AT YOUR MERCY—however, I can't be your victim anymore, I want something in writing—I DEMAND you tell me amounts and provide something in black and white". I have complied with EVERY "plan" the have set for me—yet they still show me as "120 days late".
They are "making up amounts as they go". I am prepared that since I asked them to provide me with "any regulatory agency that governs their practice or professional licensure", that they are going to make every attempt to discredit me—however, I can't stand by and allow them to ruin my credit any further. All the while holding me hostage by not allowing me to make any other payments.
Incidently, during my DEMAND call to the company—I was finally given another "made up amount" by yet another rep named "Kenneth" to pay for the next two months. I asked if this will be reported to the CRA's as paying as agreed... Of course he "didn't know". I must assume not.
By the way, since I am showing "late" on my mortgage—I can't refinance with anyone—I am truly A HOSTAGE. If anyone out there can offer any help or suggestions—please do!!! ML
Michelle
Bakersfield, California
U.S.A.
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