Homecomings finanicial called us and spoke with my wife and claimed that we had not made a payment earlier in the month. My wife responded and let them know she has a receipt for the payment via western union and it was made 14 days early. Homecomings looked in their system and found the payment, yet did not remove the "default" title they had placed our account in. They then notified us that they would correct it and give it to us in writing, three times they promised this and never did we receive anything. They never applied the payment.
They then claimed that their system automatically put us in default and that we needed to reapply for the loan! UNREAL< because of their mistake. They then tried to blame it on the person who told us the amount to send them, and that it was not enough. They didn't realize that we had extra money on our account with them that THEY needed to apply that month, and FAILED to do so, therefore placing us in default, because of their inability to communicate correctly within their company.
They had ALL the funds necessary, yet none were applied. After a month or so of bickering, we get this letter from western union telling us we have a few thousand dollars waiting for us that was rejected by Homecomings financial, as if they could say they never received it or something??? Unbelievable.
We were then told to not make any payments until they figure out what to do and that they would send it to their special team that modifies loans for customers.
We waited, and waited and called, and waited and called... Blah blah blah.
We then received a letter from their attorneys a month later telling us we are in foreclosure!
We call them and they tell us to ignore it, that they have a modification payment plan. Hmmmmm? And if we make the payments on time they will only add $10,000 dollars to our mortgage amount and lower our already too high interest rate?
WHAT?
We made the payments on time, they did not apply them and not only defaulted us but then sent us into foreclosure when they had our payments the entire time, and then told us not to pay, so we did not, and then they want to ADD that amount back onto our mortgage in a pre interest state so they can earn all the interest on that money again???
HELP! And NEVER EVER get a loan with Homecomings financial, EVER!!!
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