Hello, 8-26-10My name is Leigh Clifton and I toohave been going through the nightmare of Aurora's lies and deceit with regardsto a loan modification I initiated in February!! I was injured permanently on the jobin 05.. I severed my left wrist in a bar accident. I was in an "interestonly" loan with Lehman Bros, arranged by what I thought was afriend/acquaintance from the restaurant I worked in. Then Lehman went down andAurora became my lender. I called Aurora in thinkingthat my adjustable loan was going to go up; I was currently at 7.75%, which washigh. I was paying $888.00 on a $149,000 loan for a house worth HALF that... But it became clear that I could NOT return to work and that my income would bedramatically less than what I was making. I had NEVER been late on apayment. My loan, which I had refinanced in 05 to get more money out tolive on (still fighting work comp in Florida) was ACTUALLY not due toadjust until 2012!! But they never told me that. I was told NOT to make theFebruary payment, that they would get me into a "loan mod program"and to wait until they sent me paperwork to pay the "adjusted amount. They sent paperwork, which said I owed $6000.00 which I immediatelydisputed. I was told to "never mindthat, thats just for our records"... I was asked to provide all info/banking, etc... I was applying for a hardship because of my permanent injury. I was no longer working and was on Work Comp, which they told me I had to listas "income". They ALSO had the audacity to ask "when would mylawsuit be settled" which I found repulsive. I told them there is NOstatute of limitations in Fla and it could go on forever... (Its now been 5 1/2years and STILL no settlement.) I sent all necessary paperwork, andthen got a "late fee" for February's payment! I called and spoke toSEVERAL different CSR (Customer service rep) all who told me somethingdifferent EVERY time! I then started getting phone callsfrom them, wondering where my "payment was... I tried to explain that Iwas 'in the loan mod process" but they kept sending me letters forpayment, along with late fees. I finally was able to get to a"supervisor" after MANY calls, who told me that there were NO NOTESabout what I was asking about. I hit the roof and started arguing with the guy, who THEN told me they could get me into a "forbearance" and"traditional loan mod with THEIR Company" which would actually RAISEmy mortgage beyond unmanageable! Then I got a letter saying I was"missing documents" and the my "package was incomplete and I had10 days to get them the necessary paperwork" I sent TWO sets; one by faxand one by Fed Ex, with a receipt required. THEN I was told that I "didntqualify" because "they couldnt contact me" which was PURE CRAP... They had my number and were able to call me and hassle me about"non-payment". THEN I was told I was in arrears with my escrow: theyhad added my state taxes WHICH I PAID MYSELF AND HAD THE RECEIPT FROM THE STATEOF FLORIDA TO PROVE IT! And that my escrow was in negative and therefore I"didnt qualify for a loan mod. Remember, I had been making the reducedpayment THE WHOLE TIME AND ON TIME. So I called again and asked for anescrow analysis... Sent them my receipt for the state taxes I PAID andthen got no answer. They started sending me letters, saying my package was incomplete EVERY TIME I SENT THEM SOMETHING. I called several more times, sentmany more letters and then was told that I was qualified for the "HAMPprogram (again) so I gave them yet ANOTHER set of financials, along withANOTHER copy of my 15 page hardship letter and they put me AGAIN into what ITHOUGHT was the program. Then they started sending me lettersabout my "package being incomplete and I had 10 days to respond or I wouldbe dropped" so I sent YET AGAIN, more info, faxed from my home. AGAIN theysent me letters, one right after the other; one saying that I was qualifiedfor "help" with the HAMP program, the other saying I was notqualified. I called AGAIN and got ANOTHER supervisor who told me that I was NOTqualified for a loan mod.in short they used the WRONG INCOMESUPPLIED (I was by now a freelance writer and making SOME money). They actuallyused 2009 tax returns, which coincidentally there WERE none since I HADN'TFILED TAXES SINCE 2005! @!!! They used the 4000.00 I made to makea decision. Also, by THAT time I had started receiving SSI Disability for myinjury which was permanent. I found out that they only used 25% of THAT income, which was SUPPOSED TO BE ALL BE USED to figure out my total monthlyincome!!! When I told them all this, they just kept saying "itstime to move forward " and tried to divert me into one of"their" loan mods, which was HUNDREDS OF DOLLARS MORE A MONTH for ahouse worth half its value! I got ANOTHER supervisor who "assuredme that I would NOT be in foreclosure until ALL records were reviewed"... I am SO PISSED, its hard to writethis. Then I got a foreclosurenotice in the mail... I call the attorneys for Aurora in Miami and TOLD themthat I was in the loan mod HAMP program and they didnt care. I called Auroraback and raised major objection and the foreclosure "was put on hold". NOW I have been told that theInvestor is no longer participating in the HAMP program and wont take lessthan $800.00 a month for the property. I was told that because I "didntqualify" he didnt want to assume the "RISK". A woman actuallytold me that he wouldnt take any LESS than $800.. The loan mod was a scam allalong. I called AGAIN and told the womanthat THE WHOLE REASON I DIDNT QUALIFY WAS BECAUSE THEY USED THE WRONG NUMBERSTO DETERMINE MY ELIGIBILITY!!! She actually acknowledged that theywere wrong, but "again, we have to move forward" She then hadthe temerity to tell me I was $14,000 in arrears for payments, which INCLUDEDMY NEGATIVE ESCROW. I TRIED to get her to look at the docs for me but SHEREFUSED!!! I finally called HUD, which got meto Tampa Bay Development Corp. Who HUD uses for "negotiations" Mrs. Hernandez was my rep and she's called 3 times and gotten 3 differentanswers. They told her last week that I didnt qualify, yet the woman came backon the phone and said my "case was in review" by the underwriter andthey would know by the 31st August. Now we are waiting. I was told tosend in the " HAMP Hardship RMA" which I did last week. NOW, GUESS WHAT? I just received aLETTER in the mail that my "package is incomplete and to beconsidered for a modification I needed to send the HAMP RMA. I just had to laughbecause this is such crap I cant believe it. Its how they get around having tofollow the guidelines. I have looked online and there are HUNDREDS of complaintsalmost EXACTLY like mine against Aurora Loan Services. They are scamminghundreds of people out of their homes. I just got my trim notice for nextyears taxes and my home is now worth $81,000.00 I had heard there was ANOTHERprogram for people who have lost major home values and but the Aurora rep wouldNOT answer my questions. I DID find ONE rep there, AndieDunn, who has done her best to help me. Even SHE is absolutely stumped andSHE'S the one who recommended I call HUD in the first place! She put her job atrisk for me. She has also been keeping an eye on my account and isso sick about all this too. She says she can't believe it! She even talked to a Vice-president of thecompany, which is why I think theyre going thru the sham of a review. Theyalso refunded my payment back for August, and are NOW calling me looking formy payment which makes NO sense atall. On top of that they are assessing me late fees on the supposed unpaidpayment. I paid the amount I would have owed from the trial period which was$609.00. This company has continuously donebait and switch about my loan modification. They have actually lied on thephone with both myself and a HUD representative. They have succeeded in TOTALLYmessing up my mortgage and the balance and what was left of my credit. I have no equity as the bad loan Igot into was interest only. I had just been injured and actually do NOTremember signing the papers with the broker the second time when Ire-financed. Please help me. These people are goingto get away with theft and fraud. I am now on SSID permanently andthey did NOT use either the correct income I gave them (I freelance as awriter) or the FULL amount of my SSID payments. They even admitted that theyused the wrong numbers and that was what took me out of the program. But alla CSR would say is that we have to move forward and I should think aboutselling my home! The WHOLE REASON I DIDNT QUALIFY ACCORDING TO THEM, WASINCOME. But they didnt use the right figures, admitted that they didnt andstill refused to look at it again. Now they say its excessive forbearance onthe loan. They have given me at least 5 different reasons at different timesall in an effort to NOT modify my loan. Yet they tell me I COULD qualify forone of THEIR loans, at a much higher payment.
I have provided them with all docs relating to my injury and hardship. I have aleft hand I cant use, RSD and severe pain and depression, ALL documented. Ieven included my doctors letters. Today I JUST got in my mailbox a Final letter of forclosure??? The guy dropped it in the box and RAN away, I never signed for it anything!!! I am supposed to have a 3 way conference call with the HUD rep and ALS on 31st! As I am supposedly in appeal for HAMP? Since they used the wrong income, which THEY ADMITTEDLeigh St. Pete Please I need your help. They shouldbe investigated.
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