I have been with Citifinancial for over 10 years. In 2001 the company I worked for closed down due to 911. Since that time I have worked off and on with temp companies. My mortgage payment was $800.00 a month. I fell behind 2 months, and this was ongoing through 2003.
Each month I contacted Citifinancial Mortgage and spoke with a different rep each time. On occasion I would speak with 3-4 reps per week. Each one assured me that as long as I continued to make payment arrangements and keep them, it would not be a problem. Anyway, after I sent them $1,700.00 in November, one week later I was served with foreclosure papers. The representative (if names are needed I can forward them at a later date, since there were so many) informed me he was sorry, it was out of his hands, and his boss had decided I should be sent to foreclosure. Note: all prior arrangements were kept.
Once into foreclosure, down the road (March) they finally decided to do a remodification of the loan. The remod cost me over $5,000. This is where it gets even better: the remod was supposed to include back taxes, and guess what, I got a bill from them 8/18/06 dated 8/6/04. When I called on 8/19, I was told that I am a deadbeat, that I can't afford the property, and to sell or else. The rep was nasty on the phone. I asked for her supervisor, who was just as bad.
Finally I was told that in order to stay in my home I must open a checking account and send them an additional $2,300.00 by 8/30/04, plus pay additional monies in the amount of $358.00 per mo., plus the remodification loan amount of $560.00, or they will start foreclosure procedures again. I asked the supervisor for additional time. She stated, "No can do, our policy is to collect 35% of back taxes up front as a down payment and put you on a payment plan, and we don't have to do that." I have lost many nights of sleep because of the way they treat me on the phone.
If anyone knows of an attorney or someone who is willing to help, please let me know.
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