Our horror story began when Associates turned our mortgage over to Citifinancial in May. The first 5 payments were correctly placed into our account. After that, the payments we sent to them did not equal what they say they received. We struggled to keep this company happy. They would not accept additional principal payments from me.
I sent payments even though I never received a statement from them. I wrote my own form letter with instructions to apply the payment to my account and constantly requested a statement, yet they continued to ignore my request. The payments we sent showed up 3 weeks later on the statement they sent to our attorney.
I was $900 behind on the mortgage when I filed Chapter 13 reorganization bankruptcy, and I included only that $900 in the filing. This was in August. This threw them for a loop. They told all my creditors that we had abandoned our home and that we were 15 months behind in payments!
We received a letter from CitiFinancial's attorney telling us they were foreclosing. We went to court. Their lawyer did not show, so we rescheduled. We went to court again. Again their lawyer did not show. At the next court date their attorney showed up and said she would agree to us being 6 months behind. We were stunned but agreed to send $250 a week from June through November to settle the arrearage, plus make the current payments. The lawyer gave me her business card.
I sent the first 2 payments on June 19 and June 28. We received them back with "reject" written on them. I contacted their attorney, and she said to hold onto them. Citi was still hunting for our money that was lost. I then decided to put away $1,200 to pay them. She said she would look into it and get back to me. Four months later we were to go back to court, and I received word from my attorney that they say I am $5,000 behind. I told him no way!
I sat down and figured up the borrowed amount of $48,304.24 at 10.94% interest, with monthly payments of $457.82 over 30 years. The worksheet shows that to this date I have paid $17,322.03 in accumulated interest and $848.65 in accumulated principal. Since January our mortgage payments do not equal their record of our account. Someone is pocketing my money. Payments are being put in someone else's account, and I am being ripped off and punished for this.
Now my family's health is failing over the worry of losing our home. My immune system is failing due to the stress and worry. I am fighting depression and anxiety. I am emotionally distraught and now cannot work. I fight high blood pressure. My husband cannot sleep with the fear of losing the home. We have been here 26 years! We were planning to divorce last summer, but because of the money we could not. This stress has come between us now. My husband works so much overtime that he is not getting adequate rest. He is a truck driver, and this worry makes him unstable on the road and endangers all lives in the vehicles. He does not sleep. He does not eat. He cannot work enough, he thinks.
Today the attorney called. He wants me to come up with receipts for 2004. My hands shake from a muscle seizure disorder (myoclonus) that I have come down with so badly that I can in no way sit and do this paperwork. I will have to call the bank and request copies of the 2004 receipts for him (I already did 2003, which cost me $50). I sat crying on the phone, explaining to him how nuts this all is. He said that if I send them the $1,200, they can postpone the court hearing for tomorrow, and it will give us another month to work on this. Now we are into the holiday season AGAIN (we did this in 2003 also with them). I told the lawyer I want to know what the $1,200 is going to be applied to, where I am to send it, and whether they will accept it.
I am being totally used and abused by CitiFinancial. I want my normal life back! I want my mortgage sent to another company, a good company that will not steal from me! I was blown away to see how many people have gone through the same thing that my family is going through with CitiFinancial.
0 comments