Well I was one of the stupid people who refinanced with Ameriquest for a supposed lower payment. Well of course we got suckered into a ARM and are payment skyrocketed. Me and my wife can no longer make our payments. Our loan was bought out by Citi Residential Lending, and we thought OK now we can get our payments back in order. We were three months behind. I called Citi and asked them if we could make arrangements to get my loan caught up, they were very pleasant and agreed if I could make one payment to them they would make arrangements on the rest. So instead I took all the money needed to get my loan up to date out of my retirement. $3,156.05 got the check and mailed it to them. Feeling pretty happy that my mortgage was current minus this months payment.
Well today I receive a letter in the mail with the check I sent them saying that this wasn't the agreed amount according to the plan. I calle dthem up and got a guy who was really rude who told me that the agreed amount was $4,200, which is total BS the agreed amount was actually one months payment which is around a thousand dollars.
The plan was I would pay one months payment not all of it and they would make arrangements on the rest. I don't know what to do. I called my State Attorney here in Wisconsin and he is sending me some paperwork to fill out, But, I am not sure what that will do.
These people are intent on foreclosing on me. I was asked to pay a little and instead paid alot. And they still won't accept my money. All during this time I am sure they are adding fees to my loan. What do I do? Can I sue these people even though I was in on the class action lawsuit against Ameriquest? They don't want me to get my mortgage current.
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