Applied for HAMP Loan Modification in May investor is Freddie Mac; servicer is Ever Home Mortgage.
Completed all Trial Period Payments, modification got "hung up" in Underwriting, like so many others did. During that time Ever Home Mortgage reports me to the credit bureaus as 120 days delinquent, 180 days and 11k past due. Never did they report me as in a forbearance situation. Reference FAQ 1222 dated December as to guidelines of how a modification should be handled while it is "stuck in underwriting"
Instead of giving me an Effective Date of September 1st (1st of month after my Trial Completion) regardless of being stuck in Underwriting, they give me a Jan. 1st of 2010. They refuse in writing to correct the delinquency from Sept on. Their representatives "continued to verify incorrect information" despite my continued disputes with the agencies and Ever Home.
I have been fighting this battle for a year now. They charged me fees for property valuation and I should not have been charged any fees.
They sent me letters stating the fees that were charged, the representatives verifying information "because they did not know" (so it seems stupidity is a defense in this) and refusal to correct the credit reporting during delay in underwriting.
Now today I find out after all these months (since Jan) that Ever Home never recorded the modification to the county that I live in. So they are accepting my money and putting it in a suspense account (which is what they did last time) and now are calling me and sending me letters for my Dec payment as I am being reported once again as delinquent - even though I am not.
I have at least 6 months of credit that has been reported incorrectly for over a year now.
Has this happened to anyone else and what advice can anyone give me. I have written letters to FTC, AG, Senators, Congressmen, Dept of Banking and Insurance, Office of Thrift Supervision (who at least said they would investigate) filed a complaint with HOPE. No one seems to care or do anything about this.
I am not going to let this sit on my credit report for 7 years.
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