Our Origional mortgage was with Superior Bank. Next thing I know-LaSalle banks has it - but I recieve no billing info. We keep sending payments to Superior - as we know nothing else to do. Next thing we know - EMC is servicing the loan & start out by starting foreclosure procedings. Several payments lost now - have no choice but go into their forebearance program. Give them big money up front - make ballooned payments, while they try to find the lost money. They never did. (Hmmmmm) We made our payments as they required by the due date - but each month we get late notices.
6 months later - out of the blue - they start foreclosure AGAIN. They start to refuse our payments & we are forced once again to make another forebearance agreement. This time we understand that there is nearly $2,000 in legal fee's added on. We have no choice - as our crewdit was ruined. Give them big money up front again - & now are making double payments.
Insurance becomes an issue. They force us to purchase THEIR insurance - yet no policy is given to us. Then next thing we know - Our taxes are being paid by them - a year in advance - so that they can charge us 13.67% interest on that as well. Still late notices are being sent each & every month, in spite of payments being western Unioned to them 2 weeks in advance. They started adding on "inspection fee's" Nobody ever came & inspected out home.
Out of the blue - once again - in spite of payments being made prior to the due date - last March - they filed foreclosure proceding once again - with the legal fee's & inspection fee's all over again. We tried to refinance with other companies. Not a chance. EMC reported that we were late every month. Nobody would touch us. So once again - we agree to their forebearance agreement. $6,000 in advance & more than double payments each month.
In the last 3 years we have paid them more than $45,000& for a $60,000 mortgage. The worst part is that our owed amount is now more than 10,000 more than than the origional loan.
This summer - I got fed up & started calling them every month complaining about getting late notices - when I had proof that the payment was western unioned to them long before the due date. Each & every time they had a different story & assured me that the payment has been made & that all is fine. Until last month - when we read in the paper that they have started foreclosure procedings against us again - & that the sale date is less than 1 month away. NO notice from them - whatsoever. It's obvious to me that they now have given up on making me broke & just want the house & plan to steal it out from under me.
I have tried once again to get refinancing. Only to be informed that this is impossible - as they have my credit listed as being in foreclosure procedings 6 times in the last 2 years. Wrong. 2 times & both were unfair. They have each payment as being 1 month late. Wrong again.
They have tried to ruin us. Our car insurance has been cancelled by our insurance company for a bad credit rating & I have been turned down 5 times by different companies. Now the state is going to suspend our plates - as we have no proof of insurance. I have tried lawyers— but nothing has come out of it. Oh & Health insurance? Forget it! & I have an epileptic daughter!!!
Has ANYBODY been able to settle a forebearance agreement with this company??
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