Basically my report goes like this:
I had worked hard for a long time and had finally gotten the money and credit to be able to get a home loan for the purchase of the home that had belonged to my father's mother. The house had been in very bad shape, so my dad helped out my then-husband and I to get the money to tear the old home down and build a new one on the lot. We got our mortgage through PHH Mortgage in and were doing well. I had my teaching job, and my then husband worked for a local water purification company.
In June my estranged husband was arrested for sexual assault of a child - the accused was my daughter from my first marriage, and by May he was in prison. Obviously we got divorced, and I had been in a position of losing my home. I contacted PHH Mortgage, and spoke to Michael Phillips, who had been very nice and assisted me greatly with telling me what I needed to do to see if I qualified for a remodification of my mortgage under the new government rules. I qualified, and he sent out the paperwork, telling me that I need to send in $982.05 per month, starting on December 1st. I got the paperwork back before the due date, and sent my payments in as requested at the beginning of the month. I did this for 2 years without a phone call, letter or e-mail about anything being wrong.
On August 20 I received a letter from PHH stating "Notice of Intent to Foreclose". What??? I immediately got on the phone (at 1:30pm CST) to speak to someone to find out what had been going on. I waited on the phone for over an hour to speak to a woman to be told that I had to speak to "Jason Clark" or "Samantha Webb". She gave me the e-mail addresses of both, and connected me to Ms. Webb's voice mail. I left a voice mail with my loan number, what I was calling about, and the number to reach me at (my cell). I did not get a call, a return e-mail or anything.
I continued this very cycle for over 3 months. When I would finally get to speak to someone, they would tell me that they couldn't help me and that I had to speak to "Jason Clark" or "Samantha Webb". I would get a voice mail of one of them and leave my message, and then wait. I kept documentation of the dates I called, the times, the individuals I spoke to, what was discussed, and the time I was placed on hold and then was spoken to again. I jumped through hoops to try and get answers!
Finally in October (ironically) I spoke to a Loan "processor" named Deb. She told me that my remodification hadn't gone through because my ex husband hadn't signed it. When I explained what I had been told, and all that had happened, she stated that I had needed to send a copy of the divorce decision and then they would do a remodification of the remodification. They did alright - my original payments were $1,210 a month; the first remod. Took them to $985; the new modification took the price per month to $1,397! They tacked on penalties, interest and fees from the time I had been paying my remodified price but they hadn't told me about it not being active.
I am contacting an attorney because I don't find this to be legal or ethical! I continually contacted them, and tried to get answers, and told them to tell me what I needed to pay - I would pay what they wanted. But they never were up front with me. The are now making ME pay for THEIR mistakes, and I don't think it is right! And then I find the sites like this one and others that people are telling stories that are suspiciously like my stories! I don't think it is fair!
I am not looking for a handout, but I do think that if someone makes a mistake they should have to own up to it and fix it. Making me pay for their mistakes are not wrong!!!
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