My mother has a loan with Fairbanks Capital. When my mother got behind, they set her up on a payment plan in which she had to pay a down payment and a payment and a half for 6 months. That was back in 2001. Today they are claiming that my mother is not caught up.
The loan servicing reps always claim that they do not know why the account is not current, but they are going to proceed with foreclosure. Per a rep in January, the account was $1,800.00 behind. I sent a Western Union for $800.00 and began paying $820.00 a month. In October, when I went to make a payment, the rep told me that the account was behind and that it was going back into foreclosure. The rep gave me the name of the loan counselor, "Debbie".
I left numerous messages for the rep and we never got to talk to one another. I began to get concerned because I was leaving messages almost every day for a week straight with no reply.
One morning my mother got a call asking if she knew that her house was being foreclosed on that day unless she paid $3,000.00 to catch up the payments. I called Fairbanks and was told that we had a new loan rep. I left a message for Joannie to call me back, and she did.
Finally I thought I had someone who would help us straighten out this whole matter. She stated, "I don't know why you are behind, because this last plan should have brought you current." She said she would email some people and get the matter straightened out. Since then, I found out she was like the rest of them, and we have had 2 other reps since her and no one will call me back. I have spoken with a lawyer in FL, hoping that he will take this case.
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