As with many people I had a hard time making my mortgage payment and called PNC to see about a repayment plan. Well, the repayment plan ended up being over $200 more than my original mortgage payment. Reluctantly, we paid it for two months. My husband and I split up and the mortgage company was called again to see if the loan could be modified to make it easier for me to pay now that I was working with my income alone. I wasn't able to make the repayment plan payment but I did have enough to make the orginal payment so I sent that in.
It was returned to me with a letter stating they couldn't accept it because my mortgage was now in default. I discussed the option of a loan modification. I was sent the 'hardship packet' and filled it out and sent it. No reponse for weeks. Called them back and was told that they never got the paperwork. Sent it again. No response. My estranged husband decided to take over the mortgage dealings since it was a VA loan and he was the veteran. He was giving the name of the person in charge of our loan. His name was Nicholas B.
From February to June we did nothing but fax paperwork and re-fax paperwork. Every time my husband called them they either needed more paperwork or they didn't receive what we sent.in May we got a letter from a trustee stating the house was going to auction. Called Nicholas B and was told that they needed a profit and loss statement for my Avon company. Filled it out and sent it immediately. Was given a 30 day extension. Waited and waited. No response. Got another letter on or about July 22nd from the trustee stating the house was going to auction on August 1st. Called PNC and talked to Nick.
He stated that he didn't get the profit and loss statement. Faxed it again along with a request that somebody call to confirm that it was received. The next day someone called to say the got it. Again we waited. Got a letter dated June 23rd stating they got the paperwork and would procede with the modification review and it was our understanding that we were given another 30 day extension. We also got a letter dated for July 23rd stating that we needed to send in all the same paperwork we sent in months ago. Since the first letter stated that they got the paperwork we ignored the second letter.
On August 2nd I got a letter from Argent Development stating that they purchased the house at auction and needed to know when we were planning on vacating the premise. WTF? Called Nicholas B at PNC Mortgage and was told that he never received the profit and loss statement so he closed the case. Explained to him that we got a phone call and received a letter stating that all paperwork was received. His response was that it was now out of his hands, the property was already sold and there was nothing he could do.
Now, my son an I are being evicted from our home. I don't have enough money to pay for rent and a deposit both. I have talked to 2 property managers who tell me that they can't rent to me because of the foreclosure. I also have to find homes for our 4 dogs. I am also out 13 years of equtity. I am just sick about all of this. I have filed a complaint with the Attorney General, Justice Department and the FBI fraud unit. These people need to be put out of business! I want to sue that pants off of them but I don't have money for an attorney. What they did is just wrong. I work hard, pay my taxes and do right by others. I don't deserve this.
0 comments