When Citifinancial took over Associates in a settlement with the FTC, we were not informed until we began receiving threatening letters. We had standing payment arrangements with Associates for many months, which actually put us a few months way over our payment. The overage was to go to principal.
When I called in response to the threatening letters and calls, I was told repeatedly to disregard them, as we had different arrangements, these were computer generated, and we were in good standing. Finally I got tired of calling and talking, and quit calling or answering calls. Then, in April of this year, I finally answered the phone and was told that the payment arrangement was never okay and that their system would not even accept that arrangement. Therefore, she said, all of the months prior, instead of getting ahead, the late fees had "accumulated" daily.
She also stated that there was no record of our mortgage prior to June. Yet this is the same company which took over our previous mortgage company and was trying to hide this information from us. When she finally manipulated my husband into sending a huge amount of money we did not owe via Western Union, he in return demanded an itemized printout of our payments. When we received it, it went all the way back to May???
Then, when I was 1.5 months behind, owing half of August and all of September, I was called again, the last week of September, and told that I owed all the way back to half of July. When I responded that I had documentation to prove otherwise, she immediately responded that I still owed a little less than half of August???!! Then she demanded it all be sent by Western Union to guarantee it would get there before they foreclosed, and again my husband did.
One week later, as had been usual every month, we received a threatening letter, and I simply responded with a letter informing them that I would be sending another with all of their violations, my documentation, and my requests, along with a request for any ideas they might have for resolving this. I sent another letter, with signature verification required, and stated that I would not be participating in any further telephone conversations and that any further contact must be in writing, as they had not kept any agreement. I requested a response in writing.
Almost a month later, I still receive 4-6 calls daily, starting as early as 7:30 am on Sunday mornings, from 3 different numbers, and not a single written response, only more computer generated threats, even after 1 month late.
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