This is another Wilshire Credit horror story. It all started with a separation from my wife early in 2007. Payments were behind, and I tried my best to catch them up after losing part of the household income & paying child support.By February, payments were behind 3 months, I caught another payment up, but another month went by, bring it to 3 months. At the end of April, I asked for some kind of payment plan. At that time they said it could be done by filling out a "Financial Packet" and submitting it. I did submit it by mail, they told me to call back in a week to 10 days.
I waited 2 weeks, on May 14, at which point *I RECIEVED A FORECLOSURE LAWSUIT*!!! So I called, they told me it was "Just a part of the financial packet process, not to worry about it." They also said the packet had not been processed yet. So I waited another week, and nothing happened. After this point, when I called and entered my loan number, the phone just rang - that's right, I let it ring 25 times, every other day for a week. No voicemail no answer.
So I started entering random loan numbers until one got me a customer service rep. I had them transfer me to that department, again, no answer. I called back and told them, after that point their loss mitigation department started working again. This is around the beginning of June, and now I'm getting worried. I finally spoke to another useless rep, who said to send another packet. Same result - no packet ever made it there by mail.
So I went to a HUD approved foreclosure counselor (non-profit FREE), put a notice that I had a counselor to help me, sent it CERTIFIED MAIL, got signed for, AND LOST AGAIN (each time it's "lost" about 2-3weeks for processing time goes by).
Now we're into August, at which point I started FAXING my packets. Again, I wait the 7-10 days it takes for them to "process" the fax, waited another 2 weeks for them to "process" my packet, and again, no result. It's now September, I went ahead again, sent another packet by fax. No result, no answer as to what happened to it other than "I'm sorry sir we didn't recieve a completed packet".
Now the real stuff happens.in October, I went before the Judge, who of course favored the "Motion for Summary Trial Judgement", but because of the problems, allowed me 60 days until sale. Went through the above process several more time until the last 2 weeks, there's a whole new timeline.
First week of December, I call to find out what's going on. I asked the rep, "What is it that you need me to send to make this happen?". He said I need a hardship letter (by now I had a template made), 2 years W2's, 2 paystubs, and 2 bank statements. I send this, wait the 2-3 days for the "RUSH" fax number, find out at the end of the first week, not processed yet. Called Monday, found out they gave me the 7-10 day fax number.
This is now Monday, foreclosure sale auction is on FRIDAY. I have even a faster fax number (it goes to the reps office). Tuesday, I sent tax returns, paystubs, a statement showing I have no bank account anymore, and a letter. Come to find out, the "$1,000" per month extra income from software development on the side needs to be "proven". So Thursday, I get copies of the last 6 checks I was paid a total of $3500 over 3 months. Wednesday night, the lady says it's in the system and being processed. I call Friday morning (morning of the SALE AT NOON), spend an hour on the phone with a rep who says she can't find the fax of those checks, to fax it again, I had 10 minutes before she couldn't cancel the sale. I explained that the fax machine would take me at least 15 minutes to drive to, and she said after another 15 minute hold, that there's nothing they can do to postpone it, so it was denied due to LACK OF INFORMATION.
If they had not lead me on with false hope, I would have called a "we buy your house for cash" place 2 or 3 weeks before the sale, or filed a motion to stop the sale due to some form of negligence.
I'm contacting my attorney to sue these guys, they're crooks.
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