Below is a letter to WAMUs' CEO concerning foreclosure proceddings on my house.
Mr. Killinger,
I have a mortgage loan with your company. I signed up for automatic payment about a year ago. I also was having an extra $100 taken out to be put towards my principal. This worked fine until I had to take over my sons car payment. Eventually, my monies coming in did not cover what needed to go out, and I got behind in my mortgage payments. Unfortunately, I am not one of those people that sits down every month and balances my checkbook. I did receive mail to the effect that I was behind, but thinking they were just informational or promotional correspondence, I did not open them, and they went on a vast pile of junk mail I hoard. I never received a phone call from your company until I was behind about 3 months. The first individual I talked to said that I could pay $1200 a month until I was current, and I agreed to that. Well, I did not hear back from your company for over a week, so I called back and was told that the person I had originally talked to was part of a new group (in Costa Rica or some such place) your company had hired, and had no authorization to offer me that pay back method. He went on to say that I could go over my finances over the phone with me to see if I could be considered for some sort of repayment plan. He also told me that he could send me a form to fill out as to my finances and that doing the afore mentioned business over the phone is hardly ever approved anyway. I received the paperwork and sent it back to your company. I did not hear from you for about 2 weeks, so I called your company 3 or 4 days ago. The person I talked to said that your company had not received the paperwork (she said probably because of the holiday mail), and that someone from your company would be in touch with me in the near future. Yesterday I received an audio CD from Loan Cure as to how they interface between your company and the party delinquent in payments. Today, I arrived home to find a business card from someone wanting to serve me papers on behalf of your company I assume foreclosure papers! I again called your company just a few minutes ago, and talked to someone. She said that your company had in fact received the paperwork I had sent back to you, and that your company had indeed started foreclosure proceedings. She also said there were no notes in my file showing that I had talked to anyone about this issue, which is totally bogus.
This has gotten a bit out of hand. I have lived in this house for about 25 years and do not intend on losing it. I have made all attempts to rectify the situation at hand, and have had no response from your company. This issue needs to be addressed ASAP!
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