I sit at my computer in awe of the stories here. Many so similar to my own. How do these people keep getting by with this? I hope I am at the right place to find lots of people who are getting involved in a class action lawsuit so we can stop them!
I had a problem with insurance coverage that began in 2001. I have always had the same insurance for at least 10-12 years—same company. I received letters stating that our insurance was about to end and if we didn't show proof of continuing coverage, they would add their own, making our monthly payments go up. I faxed and called repeatedly asking that this be fixed and showing proof of our coverage. I then had my insurance company fax proof of our coverage on more than one occasion. I have names of several of these "insurance department employees" who promised "I'll get this put in the computer and taken care of. After a while, the insurance was still added, making our payments go up.
I started calling again and having the insurance company still fax proof to try to get this coverage taken off because I already had more than enough coverage for my home. Still again, I was promised over and over that it would be credited. I continued to make my mortgage payment at its original amount (I had NO intention of paying more than I owed). So, in November, I received letters by mail and by certified mail showing they had begun foreclosure proceedings on our home.
I had 30 days to dispute the situation. After making phone calls, knowing that this was a mistake (since my Oct payment was in the mail to them and my Nov wasn't due yet), I found out that they still had this insurance added and they had been posting the amount I paid (except that it looked like I was making a payment for less than the amount I owed—because of their "unnecessary" insurance coverage).
I asked them if I sent them proof once again of the coverage, would they get it fixed, and of course, they would. I called back on a Monday to be sure they had gotten the fax and was refused being able to talk to the same employee I had on Friday. I did find out they had received the proof but it would take 30-40 business days to credit it. I told them I didn't have that long because my house was in foreclosure already. That afternoon I saw an attorney who did get the insurance credited "that same day!" WOW they actually put something in the computer the same day.
So, I figured with proof in the computer of my insurance coverage, a 3-page letter in their hands (that I sent certified mail to be sure I had proof they received it) with all my check #'s, amounts, & dates—all 41—not just the ones in question and a listing of check #'s, dates, & amounts for my insurance payments for 2 years along with a "nice" letter about the abilities of their staff to do things the way it should, copies of fronts & backs of our most recent payments, I just knew they'd get this straightened out. BOY was I wrong! I got my Oct payment back in the mail refusing it saying I was in default with my payments and they couldn't accept this because it was less than the reinstatement amount.
Here I am 5 days—or should I say—3 business days before my home is sold; and it's still not fixed. They knew they had me fixed from the beginning because they have 2 months from the day they start the foreclosure to sell your home. We have so many "business days" to fight them—which through Thanksgiving & Christmas & New Year holidays amounts to about half their time to take my home.By the way, they managed a week off at Christmas while mine was being ruined by the fact that my home was in foreclosure (with 3 kids here I might add—when they should have been enjoying Christmas).
What does it take to make a company realize they can't get by with this? I have had my husband and my names now printed in our hometown newspaper for everyone to see (when we were actually caught up with our payments) and now have my Oct, Nov, and Dec payments here ready to send and I can't because I won't send them these extra fees they've added. I want all of you to know that I did print a "letter to the editor" explaining the situation for our county to see also in our paper. I have had people offer to pay the amount for us to get the foreclosure stopped, but I have NO intention of paying them this amount because as I see on here and printed in my letter to the paper, if it's taken me almost 2 years to get them to put insurance coverage in a computer, when would I get back money from them for foreclosure & attorney fees that I shouldn't have owed to begin with.
I have prayed and have many people praying that we will straighten this situation out and I have an appointment on Monday with an attorney to try to get this foreclosure stopped. I have also talked with an attorney about what my rights are with a lawsuit. I hope someone here can tell me there is already a lawsuit being filed, and I can become part of it. If not, I have talked with an attorney to begin one of my own. I do not intend to let them take my home, nor do I intend to let them get by with this.
My husband already has health problems and this has been terrible for him and, mentally, it has affected both of us. How can companies do this to people?
I never dreamed as long as you paid your bills, you'd have to go through what we have in the past 2 months. I hope everyone here will look into their rights with these situations.
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