Hello, I don't know where to start. First we had a morgage with Equicredit they sold our morgage to this Fairbanks capital Corp. I have been called at least 3-5 times daily even after calling them back.
They have been rude. My wife is Deaf and she is also on the home loan but they have hung up on her refusing to talk to her on the tty/tdd (Phone for the Deaf). We had always had a good payment history with Equicredit and this was sold to Fairbanks Capital corp and we were not notified, so we sent our payment to Equicredit, from that point we were listed as being 30 days late.
We did catch that up even though I don't feel it was our fault but theirs between the two of them. For the next 6 months we were on time, then we started getting nasty calls from these people, I say these people because they only give a first name never properly identify themself.
They had charged me for insurance on my home when I had it, I pay for that and my taxes seperately. They raised my monthly amount without advising me of that. Now because of all their charges it put me in a position where the amounts they were demanding, I was not able to pay.
So I became further behind, now they say 3 months behind and that is becuase they are taking my payment and applying it saying I have late fees, insurance fees and now they are saying I Have at least 600 dollars starting with their attorney fees.
I have left messeges for them to call back they never do. I have kept track of all this. We have our home up for sale, because this company has us in a position we can't afford all the money they are expecting.
Now they said I have to be in forebarence, well I was told to call this Al guy and all I get is a answering machine, he don't call back. The last women I did get to talk to said she is sending me out a personal financial statement I need to fill out.
She told me that this way they can see what I make and can set up a payment plan that way. I can't afford to send them all these western union payments and yet attoneys fees.
I did get behind because of this. The payments I was making was not being applied to my account, rather they say they are holding it in escrow and are putting me more and more behind.
Its not right, if I make a payment that is where it should be going. When we got behind, we set up a payment plan to have us caught up over the next three payments adding additonal money to pay that off, but they are refusing my payments.
I don't know what to do??? Any help anyone could give would be appreciated. We are so fed up were ready to walk away, we are getting sick over all this. These people are very dishonest and still I have no idea where they come up with all these charges when I can't even get a statement from them.
Disgusted in Va.
George
Hayes, Virginia
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