I refinanced my house in 2001 due to my partner getting ill and not working and Fairbanks Capital began servicing my loan.
In May I graduated from college and my partner took ill again after having a liver transplant. I was not working until the first of June. I had fallen behind on my mortage for June, July and August.
My partner died in August and I just couldn't get on my feet. On September 22nd I spoke with Monica Martinez to explain my situation. Her response was that they already begun forclosure and the only way I could prevent that was to sell my home, wait six months and try to buy it back.
I said I didn't want to loose my home. Monica then said I needed to make a payment that day in the amount of $4,405, I stated well if that's what you want I don't have it and I'll contact a realstate agent and put the house on the market and I hung up the phone in distress.
The very next day she called me and sounded excited, stating I have good news for you. I talked to my manager and he stated that we could put on a restart program where you can make your regular monthly payments of 1,028.
And for the next six months starting on October 27th maake your monthly payments and after six months make a ballon payment of $5,458. I said okay. Then she gathered all my income information and said I don't make enough money and I would end up loosing the home anyway after the six months. I stated to her my mother has moved in and I can use her income plus get a second job which I did.
Monica faxed me the contract, I signed it and made a payment by the 27th of September by quick collect payment. Every payment from that day until February was sent by quick collect.
On February 20th I received a letter from them stating that my forbearance has expired and I needed to contact them as soon as possible or they were going to take legal action.
I phoned them and they stated that I was supposed to make the balloon payment On February 27th. I said that the agreement doesn't state that, and the gentleman began to argue with me and demanding payment.
I gave my mother the contract to read and she noticed that the contract was not legally written in the first place. It had incorrect information in which I beleived I had agreed to. Such as the due date for the balloon was for March.
Since then I have attempted to contact them on several ocassions and didn't get a response unitl April 1st 2003. And mind you the person who had origially made the contract agreement with me was no longer handling my account.
I have been put on hold many times and recently transferred to a young lady who was also on hold. Mind you she was a customer just like me, angry and frustrated.
In the past I have received mail from them stating I owed late fees. And the address the letter came from was different from the Salt Lake Utah address, it was from Pennslyvania. That was kinda odd. When I responded to that mail they said they didn't know why I received that letter. I do have the original copy of that.
Now to top it of On April 1st 2003 a lady named Tammy Barker began arguing with me because I started to ask questions about the total amout I owe and why all the extra charges. She stated that I had been charged $500.00 for attorney fees, and I said what attorney.
Her reply was the attorney that handled the forclosure. I wasn't aware that the forclosure had taken place nor did I ever receive anything explaining that and the fees or my payment history.
I'm wondering if I should give the $5,458 that she said she will give me until the 10th of April. I ask what about my April Payment, And to my surprise she said oh that's included in the $5,458.
I told her I wanted something in writing with a breakdown of all the fees and arragements becauase all that information was new to me and she said well I wasn't the one handling you account. That was the end of our conversation. They are rude inconsiderate and liars.
I have suffered enough finacial hardship with them. None of my payments were posted the day I made payments even the quick collect. Worried and upset what can I do At this point? I can't afford a Laywer. Plese use the rebuttle to respond; help time is running out.
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