Wow. Why does it not surprise me that I was able to find as many unfortunate people such as myself. About 3 years ago, my wife and I purchased our first home together. After about 3 months in our new home we received a letter from our current mortgage company telling us that it was being sold to Homecomings Financial Corp. Shortly after that is where the problems began.
To make a long story short, this past year my wife and I ran into some financial issues and subsequently got behind on our payments. We were offered a loan re-mod, asking us to pay Oct, Nov and Dec payments, which we did before they were due and they would "lock us in" to a fixed rate for 2 years. Our first Payment was sheduled due for January 25th and I placed a call to them after mailing all of the paperwork I signed AND notarized, telling them my payment was not going to be done until February 1, which was my pay week. I was told That was fine, made it via western union and called them to confirm all was ok with that. I was told yes. 2 weeks later I did another western union payment for February and March's payment.
All of a sudden, out of the blue I receive a letter threatening of foreclosure if I didnt pay them over $5,000.00 in arrears. The first call I placed to them I sat on hold for over 1 hour and got this gentleman who proceeded to take my financial information over the phone and then had he nerve to tell me I couldnt afford to keep my home and then said he was getting me to the loan modification department.
After sitting on hold for another HOUR and 10 minutes I got a woman on the line, and she proceeded to tell me that they never received my paperwork, that the loan mod failed due to payment not being received by the 25th. I had her look at the account and she saw where I was told that Feb 1 was going to be fine. Iwas told at that point that $2400.00 of my money was paid to October November and December, which I already paid!!! She then placed me on hold (for another 30 minutes) and came back and said they were working on this for me and got put on hold YET AGAIN for 20 more minutes before conveniently being disconnected. This was a week ago and I now have yet to be able to rech them.
I spend 2 hours a day in the morning before work sitting on hold, waste my lunch breaks, have sent e-mails, and yet to get this situation resolved. Now that I can't reach anyone to get this resolved, they have me by the you know whats and I have nowhere to turn. If there is someone out there who can direct me so I don't lose my home???
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