OMG, icant think that Im not by yourself within this disaster with Citimortgage.in 2004 I submitted two funds that totalled nearly $3,000.00 to my mortgage business named First Nationwide Mortgage. I subsequently get a notice from the business named Citimortgage 8 weeks later informing me Im in standard of my mortgage. I'd never heard about the corporation and so I ripped my declaration with First Nationwide and phone customer support. The prompt mentioned Citimortgage. I had been recommended in the customer support representative that Citimortgage had bought First Nationwide which I will have a brand new accout number. I had been recommended in the repetition they would want the leading and back copies of my inspections given that they had previously removed from my lender. Well people, obviously since April I've sent and shipped numerous copies of those inspections with no one will require possession to locate this misapplied funds. I worked for BB&T at that time, therefore my own bank actually named the mortgage business on my account and same task, "please sumbit copies of the leading and back of the check." Our bank informed the consultant that after their organization placed the rear of the inspections, the figures wherever smeared, therefore she sensed that somebody at Citimortgage truly had a need to examine and perhaps appear on my previous account number (you realize the one which I'd with First Nationwide Mortgage) and find out when the funds wherever published on that consideration. Therefore, with all of this stated, I shipped/sent in numberous copies of the leading and again of the check, BB&T did aswell to all of the various handles/fax numbers that where supplied. Meanwhile, Citimortgage confronted foreclosure and had me performing each one of these payments strategy quantities and previously, my montly cost was as much as $1700.00. Lastly, I had been ready to have ahold of the boss that may comprehend Language and he appeared like my soldier in shinning armor. This guy actually offered me his immediate line. They discovered among the funds and used it to my bill. YOU KNOW WHAT, YOU SET??? Somebody went and eliminated it from my bill. Yes, no cracks asided. Simply wait, it gets better. The start foreclosure on my home. I had been compelled to complete a section 13 bankruptcy to be able to save my house. Well, lengthy history small, today they're stating we're $18,000.00 behind on funds and show they havent had a cost on my bill since 2009. I've experienced bankruptcy since 2005 and all funds have now been created each month. I named to determine easily might perform a mortgage remodification thru HAMP and what are you aware, they stated I didnt qualify. After I questioned why, the repetition stated that I'd to become in a 31 and that I was conviently in a 32%. But you know what, I qualified to get a conventional mortgage loan modification. I've a FHA loan and also the recommendations must work-in my benefit, but Citimortgage states NO, I want a conventional mortgage. I had been prepared to request the repetition, must I obtain the economy size container of Vasoline this time around. This is actually the hay that's shattered the camels back. On 12/20/10 I named directly into allow Citimortgage realize that my condition, NC includes a fresh foreclosure-prevention plan and that I pre-certified for, and so I could be ending up in my mortgage therapist and that I desired to provide them with all of the info. The consultant requested easily might make some form of cost to exhibit great faith and also the cash might get into a separate consideration, however it wouldnt end foreclosre on my property. However it might demonstrate that I had been creating a work while I had been looking to get help. I told the repetition that I really could create a $200.00 cost, nevertheless I'd have to post-date the check for 1/7. She stated good, and attempted to place it through, nicely after I requested for that verification number, she stated the machine need let me get it done. She stated simply create emptiness on that check, we cant procedure it. She mentioned to call-back on 1/7 to create the cost. I visited the mail yesterday and that I had two NSF sees from my lender. I named my lender to recommend them that I didnt approve this cost and what may I do. The financial institution agreed to contact Citimortgage to obtain a mental agreement so that they might renounce the $108.00 NSF that happened on my bill. Once the repetition went thru the records, she couldnt locate where the orginially repetition documentated something, but she couldnt see where she set thru the $200.00 cost on 12/20/10. I informed her with no verification number its not really a legitimate deal. Conviently, she discovered a verification number as well as explained they dont need to provide you with this quantity. Since I verbally offered the routing & bill number, then I had been destined from the cost. I completely dropped my awesome at this time and worried everybody in my own home. Also your dog went and conceal. Below I had been about the telephone with my lender and Citimortgage also it appears that Im the main one who appears like the trick. I started shouting to get a boss that I had been fed up with being moved, they had a need to draw the phone call from 12/20/10 w/d I documentated the whole discussion, I offered particular titles of many repetitions that I talked to that particular evening, the full time of every phone which was transferred and that I would not eat these costs. Losing mitigation representative stated they didnt have administrators, that I'd need to be used in the Escalation division, that's where all of the supervisors are who are able to consider the calls. I had been moved to that division and also the Boss decided with me and stated that the repetition must've never required the cost to start with, until I had been spending the $18,000.00 to obtain me present. I'd to three-way contact the financial institution back and lastly got the mental agreement for that lender to reimbursement me $108.00 in NSF costs w/d of the mortgage business mistake, not mine. It amazes me that it got me going postal about the telephone and subcoming to holes to ensure that anyone to behave individual and take responsibility for "their" mistake. Additionally, after I questioned where this $18,000.00 originated from the explained it originated from no funds being obtained since late charges, support feeis, deliquency fees that are a serperate overdue fee, along with a proportion of the payment period. I had been provided the fax number for that study division, which bear in mind was exactly the same quantity which was directed at me in 2004. Therefore, with all of this stated, Im achieving an attorney on 12/30/10 to document a-class activity civil suit against Citimortgage. It has triggered a significant economic difficulty for me personally and my spouse, and of course what it's completed to the 10-year relationship. We both needed to find medical interest for that tension it's triggered. I'll consider my three-inch binder with all my paperwork, in addition to, all my physician documents with me towards the attorney and that I intend on seeking problems beyond measural means against Citimortgage.
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