In the summer of '08, we sent our mortgage payment as usual. We were under deed for contract, and we always tried to make our payment faithfully. On a couple of occasions the mortgage company, ABN Amro, withdrew our payment late, causing a late fee, so we included the late fee with our payment. They had no problem with this and would put it toward our payment if there was no late penalty to be paid. Everything was good with them and straight for four years.
Then in July of '08, our June check was returned, and a couple of days later July's check was returned too. We were shocked, so we called. That is when we found out that we should have made the check out to CitiMortgage and sent it to a different address. That would explain why they were returning our checks. We asked the lady on the phone if we should resend June and July's payments. She said no, that's OK, just send August to the new address as usual and everything would be OK. So we did. We also called the man whose name is on the mortgage and asked if he had gotten a notice of this change. He said he hadn't received anything.
Then in May of '09, he got a letter from Citi claiming he had four thousand dollars in late payments. He called us, and we all three got on the phone with Citi. The lady said that everything looked OK and she didn't see any four grand, and told us to just send May's payment, so we did. Then in June we got a letter of foreclosure. We contacted their lawyers and disputed it, at which time they told us not to send any more payments because they would not be accepted.
Their lawyers suspended it for a while. Then in August they sent a letter of explanation for the four thousand dollars, saying that we owed for June and July of '08 and May, June and July of '09. We called and asked where May's payment went, and they said it went toward escrow. I know that escrow was paid in December. They also added late charges and attorney fees, and said that our payment in July of '08 had been raised from 362.00 a month to 402.02 a month. I was shocked. Prior to this, they only claimed four thousand in late fees, and now they were claiming non-payment and a raised payment, for which we also did not get a notification. These people are making up stuff.
Then I noticed the payoff amount was 42,900. Back in '06 I attempted to get a loan in my name, and my bank inquired about the payoff, and in '06 it was only 42,160. So where did eleven thousand dollars of my money go? How can I owe eight hundred more than I did three years ago? I really feel they lost the mortgage. These people created a reason for foreclosure by non-notification and made-up stuff. Their actions were fraudulent and deceptive.
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