My ex-husband and I got a mortgage from Beneficial. Our interest was very high and our payments were as well. But a chance at having our own home was worth it.in 2005. I got a divorce. I kept the house and agreed to pay for it. I asked for a payment reduction and interest reduction and asked that the due date be changed because I get paid bi-monthly and wanted to make payments on time. They never changed the due date and every month charged late fees. Then I get a call saying I am 1,890 behind. They never send you the agreement in writing and every person you talk to tells you something else.
They also called telling me they did not receive payment and when I ran tracer on money order it had been delivered to them. Again late fees
I asked for a modification and was given one they said to send in 2 payments the first month. I did and have never got credited for it.
I wait every day for a foreclosure notice. But I am afraid to send them any more money until they straighten this out
I am trying to get my house refinanced but it takes time.
Beneficial doesnt send me any statements, and I hope someone can help as this house has been our home and I hope to stay here
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