I had gotten behind on payments due to my husband had passed away and I took time off work to be with my children. I was 2 payments behind and contacted the company to make arrangements to pay. I agreed to w/u 1 pament on 1/11. My check was not recieved until 1/18, again I contacted the company to make sure the status of the loan had not changed and informed I was w/u the payment that day. I was assured it was ok and to send the money. I was told the loan was not in forclosure status as long as the payment was sent before I was 3 payments behind it would not be placed in forclosure status. I sent the payment the same day. 3 weeks later I was notified by w/u the payment was not accepted the same day I was served w / forclosure papers. When I contacted the company they advised me I would need 4,243.81 to bring the loan current which included attorney fees. When asked why they did not accept the payment I was informed I made the agreement with the wrong department. I agreed to a repayment plan which when recieved said I owed 9,364.21 even though I still wasnt back to work. When the agreement came they wanted 1600 a month for 6 months. My actual payment is 800 when I spoke with the next rep and tried to explain that i hadnt returned to work and I couldn't afford these payments she advised me that if I wasnt working they coulnd't make arrangements with me and they would have to go ahead w / the forclosure. Since then I have made 2 payments of the 1600 and when I contacted the company to let them know I could only make 1 payment this month they again refused to accept the payment. They cant give me any information and advised me tocontact the attorney handling the forclosure. When they were contacted they advised they couldnt give me any information to contact Homecomings. I cant even get anyone to tell me what I need to bring the loan current. I dont understand how a company can refuse a payment and then tell you its your fault for not paying. I have asked the company to please accept my monthly payment and they refuse. How can they forclose on my home when I am attemping to pay and they are refusing to accept it. Had they accepted my original payment as agreed this would not be happening.
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