After decades of medical and authorized struggles caused by head damage that triggered dementia, my kids' dad ultimately died on May 4th. Last June I understood that I'd not have the ability to keep spending the mortgage cost which have been in a fixed-rate of 7.4% for 2.5 decades, "since you have to create credit." This is exactly what the damaged large financial company had explained right before he was found responsible in a mortgage fraud and left for Australia. Yes, we are had a of misfortune. After one cost, Homecomings offered our mortgage to CitiMortgage. For over 2 years I settled the large mortgage transaction. Subsequently in September I finished CitiMortgageis Difficulty paperwork, seeking whether decreased rate of interest or deferrment or forbearance. I had been overlooked. Between September and Dec, my written communications were overlooked, my telephone calls weren't taken (or if obtained, were handed down into oblivion = disconnected), with no one delivered my voice communications. Lastly, I acquired their interest by creating a partial cost in December. They cashed the check, but haven't utilized that cash to my mortgage.instantly I started receiving harassing telephone calls and email. I replied to everybody with, "would you observe that I finished the difficulty paperwork in Sept? This is a copy..." I had been never ready to talk to the exact same individual twice, with no you could discover the paperwork despite the fact that I delivered backup after backup to numerous people in a variety of divisions at CitiMortgage.in March, I eventually got somebody with at=uthority about the telephone "Mary Zigler." She granted me the things they named a forbearance, where I'd create about 50% the last cost for 3 months, after which have the ability to refinance. She stated, "when you obtain the paperwork, you will observe that there's a lumpsum payment in June. But-don't worry, we will move that in to the new mortgage." I complied using the "forbearance" conditions, but throughout the next 3 months, I obtained continuous harassing telephone calls and email. After I'd contact concerning the email, they'd tell me it was an interior error and I must dismiss it. A "free lance" personal invetsigator began trespassing on my property and also the friendis home. He got pictures of the home and my kids. The pummelled vehicle he went had a removable license plate simply tossed about the dash-board. He didn't actually arrived at the doorway to describe he was employed by CitiMortgage, and he put behind bushes and walls. I named law enforcement to document a study. They decided he was employed by Citi, nevertheless when I named Citi, the "boss" there refused it. The 2nd period the detective was positioned shooting my residence in the top garden of my friendis house, I went to my neighbor and told him. Our friend arrived and went the man down and informed him to not return or he'd document trespassing charges. On May 18th, I chose to be positive and begin seeking the refinance paperwork so the basketball could easily get moving before mid-June once the "lumpsum" was due per the paperwork, although not due per Jane Zigler. I simply did not trust Citi. All my email and telephone calls have now been overlooked since May 18th. I've submitted grievances with administrators at Citi with customer matters along with other companies. I have acquired simply no communications from Citi. Fourteen days before I talked with Citi repetition who stated that Jane Zigler was the only real individual who may help me. I had been provided her expansion, and attempted to contact her 4 occasions previously week. She does not return my telephone calls. A week ago I had been approached by a lawyer who's suing Citi with respect to 100is of the attached-over customers. He questioned basically needed his aid. I was not guaranteed till today. Today, while I had been doing laundry about the lower-level of our house, my kids got working in my experience terrified out-of their senses. We'd propped the leading door available to acquire some awesome atmosphere in the home. A guy "who appeared as if Elvis" strolled into our house, univited and without my understanding, talked with my 11-year old child and offered her a crudely written note, created in both English and Spanish, which required that I contact a telephone number created on that note, but had no distinguishing data regarding whom the note had originate from. I went outside just-in-time to determine a guy in a crimson sports vehicle driving away.in my opinion he noticed me within the garage, but he nevertheless went away. I named the amount about the notice and achieved CitiMortgage! I instantly requested to get a boss after which informed the boss what had occurred and just how personally I think about Citiis unprofessional, dishonest and ILLEGITIMATE company methods! I'm just one mother with two young kids. Our children's father died only 10 months before. Citi continues to be conscious of our struggles for nearly annually, and it has not overlooked my pleas for help (all I needed was a 4.8% rate of interest in the place of 7.4%), but has really been questionable in clearly attempting to consider our house from us. At this time, they wont actually let me make funds. The Us Government SHOULDN'T HAVE BAILED THEM OUT! Tax dollars have already been lost with this organization which can't and/or willnot conduct business morally or even appropriately. Their reps show steady mess. The best palm of the organization does not understand (or treatment) exactly what the left-hand is performing. They're devestating people's lifestyles and also the balance of our nation by undermining homeownership.
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