Please read!!!
God help you if your loan is ever bought out by this group of liars.
My loan was bought out from First Family Financial. I never had a problem before and was always on time with my payments, which were reduced each year when made on time. Then, two years into that loan, Citi bought them out. I was doing fine with them until I asked to refinance the loan to get money back to pay for a roof on the house and do some updates.
The local branch told me that my file had been transferred to another location. I got in touch with the Charlotte, NC office about refinancing my home. They told me that they were not doing any more refinancing on this mobile home loan.
OK, so I tried to find someone who would take my loan. No one would take it from them. I continued to pay my payments through them.
I had run into hard times. I was put on SSI due to medical problems and was unable to pay my payments on time, so I asked if they could help me out with a deferred payment. I was always told, "If you pay this payment and call us back in two to three days, we will see about doing this for you." (But they made sure they called me all the time if I was due, or sometimes even before I was due, to see when I was going to make my payment.)
I would call and call, worried about this being late on my credit, and I would always get voice mail and no one would call me back. Every month someone new would call to see when I would make my payment or try to get a post-dated check (I closed my account with the bank because that is the first thing they would ask for). They had even sent in a post-dated check two days early. No more post-dated checks!
Because I did not have a new roof, my home was declined insurance due to the age of the home and the bad roof. When the next person called, I told them about this to see if they would put the insurance on it through the loan. I was told that they don't do this and that it is my responsibility to have it.
I received a letter in the mail saying that if I signed and mailed back the paper, this would be a deferred payment and my account would come up to date. So I called them to be sure, and was told, "Yes, we will do this for you." The local office faxed it over for me.
The next month someone called to ask when my payments would be made. Payments? No payments had been deferred. I talked until I was blue in the face, and nothing was resolved.
My file was then sent to the Loss Mitigation Department. I was told to send in all types of proof and a hardship letter, which I did. I was told to Western Union a payment, which was returned to me because they would not take it. I was told that, due to having no insurance, they could not take my payment. "You still have time to save your loan before we foreclose." I asked how much money I would need to pay to get my loan back on track, and it was over $2,000.00. I had thought it was going to be $600.00. I was told it was my down payment to refinance. This company is crazy!!! And the interest on this loan is over triple the prior balance. The money is never the same; it is always higher.
I went to the foreclosure hearing, and the paperwork had been filed in the wrong county. So I am waiting on another hearing.
Citi keeps calling to see what I'm going to do.
Help! Someone needs to check into all the offices that they have; this company is not right at all. How can they refuse payments on your loan if you are trying to make them? And should they have to put insurance on your home if you can't get any for the amount owed on the loan?
Thanks.
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