Countrywide bought our loan from Equicredit a few years ago. Then we were at 7% rate and balance of loan was $101,000 and payment of $689 month. We were on a adjustable rate and had a great credit score. Over time we lost jobs and life happened and countrywide took advantage of that. We were unable to refi due to dti and our payment went up to $1100. I became 30 days late and was a rolling 30 for 3 years. We suffered greatly and asked for help from countrywide many times. I was in college my husband was a teacher only bringing home $1500 month and payment now $1100 month and we have 2 children. They said we made too much money for help and didn't qualify. We filed BK, sold our possessions, borrowed money from family, lost our dignity in the process. Finally i graduated and picked up 2 jobs and made 2 payments to finally be 0/30 but i recieved my two payments back with foreclosure papers. Then I was introduced to the HOPE dept that was horrible. They said they would help but our rate went up and fees were unreal. I would call 10 times a day and never get anyone that knew anything about my case. I was told in the beginning I had a deadline and my deadline was approaching and nobody to help.in the mist, my HOPE (person) went on vacation!!! They did finally get it worked out but 1 day before the deadline. My payment is now higher and I am owing more now than ever. Then to make manners worse, they force placed flood insurance on us. My house is in a flood zone but 9ft off of the ground. I couldn't afford $600 upfront to pay for the insurance (quoted by state farm) because I was more concerned about paying a mortgage I couldn't afford. They decided to get the insurance for me and then decided to also charge me for the year before also that I didn't have insurance so all in the same month I was charged $7666.92 for flood insurance, a far cry from $600 which I couldn't afford but now I am paying thousands of dollars more. My payoff is now $115483.37 and I owe $14,000 more today than I did 5 years ago and I haven't got a dime of it. Oh, the intrest rate did go down over 1/2 a percent but my mortgage payments went up. So has my blood pressure and anxiety. I am tired, very tired. I need help, help getting my home and life back. Anyone who can assist our let us join in a suit, please contact me. I am desperate.
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