I was told I would need to have surgery and be out of work for a while. I had always paid my mortgage payment on time and more than the specified amount. My plan was to get ahead on the payments. I was actually one month ahead. I called and asked Chase if it was possible, since I had always been a good and loyal customer, to have a couple of months payments deferred and put onto the end of my mortgage. They agreed and told me how to go about getting this done. I followed all their directions.
After two months I tried to call and make a payment. They would not accept my payment and said that I would have to pay all past due payments, 2 at that time and the late fees. I had been out of work and that was not possible. I explained that I had called and they were going to defer those payments. They said they would send a package.
Package never arrived. I called again after about a month. They said that the package had gotten lost in the mail and they would send another. I was then served with foreclosure papers. I called them back, they said it was procedure not to worry about it that I was in the assistance program.
Next thing I know, despite constant phone calls to Chase and promises that an analyst would be calling me, my house is set to go up for sale. I went to court and fought it. It didn't happen that time. I continued to try to get in touch with my analyst with no luck. My house was set to sale again. The judge put a 30 day hold and demanded that someone from Chase work with me. They sent paperwork that I filled out and sent back to them at least three times before they ever received it. I was turned down for a Loan Modification. They said that I couldn't afford my home.
I sent an email explaining that they had given me the loan prior to that, I had always been on time and paid more, my income had only increased and my debt had dropped and for them to tell me I couldn't afford it was the most stupid thing I had ever heard. They reconsidered and said that I was approved.
They sent additional paperwork for me to fill out in order to keep my home. I filled it out and sent along the $1,000.00 good faith payment. I haven't heard anything from them since. I have tried unsuccessfully on numerous occasions to contact my analyst. I have never received a return phone call and I always get voicemail.
When I confronted the Chase attorney with all these facts he said that it was because Chase is a big bank and one side doesn't communicate well with the other side. I'm not sure how that's my fault.
I have $80,000.00 equity in my home. As far as I'm concerned Chase is trying to make a little extra cash here by foreclosing on my home.
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