My fianmce' and I bought a new home in January 04.
He lost his job in April 04 and we have gotten a few months behind as well. The house was originally mortgaged through our personal bank. 2 months into the loan they sold it to Countrywide. When he lost his job we knew that it was going to get tough so I borrowed money from my 401k and we paid a house payment and at that time we called and Countrywide said we did not owe a payment at that time. We were fine. We got a few payments behind and have been struggling. I called to let them know we would have a payment in on Friday of last week. They said ok and to get it to them ASAP.
At noon that friday I called them to let them know I was on my way to the bank to get the certified funds they were requesting for a single payment. They said don't send it. The loan had been filed for foreclosure that morning. I was all confused. They said at that time to get as much together as we could and call them Monday. Over the weekend we sold a car and some other possessions. We called them Monday to tell them we have Two full payments and can have them cretified funds by Wed. And we'll get it to them ASAP. They said this amount would not work. It wouild take approx. $4500. With Attorney fees and so forth. We said it would take a few more days. We are waiting on some other funds to come in. A few days go by and we receive another call from Countrywide. This time we get yet another person as many have said. I do not think we have ever talked to the same person twice either. This lady on around August 2nd tell us that we have till August the 6Th to come up with just under $6100. And if we do not have it by then more monies will be added to the amount. We have till Sept. 6th to pay this amount we have no idea what it will be but at this time we have a little over $3100. And they will not except it. They want May, June, July and August all the fees added and if this does not happen by Tomorrow it will go up drastically. With my income alone we do not qualify for an negotiation agreement. My fiance is supposed to get a letter of offer from a new job offer in the next few days for a possition of over 50k yr. It seems that will even come to late in time to stop this companies ever going price gauging every time we talk to them. Can you help us?
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