I was current with my mortgage payments until september. At that time, I sent in 4 post-dated checks so I could get ahead a little in payments. The checks were clearly marked as to when they were to be deposited. GreenTree deposited all 4 at the same time, bounced them and a lot of my other bills as well, because the nsf fee they caused. When confronted, they said i had sent the checks to a payment center, that is required by the "government" to deposit all accounts receivable within 24 hours of receipt. They gave me another address.
The next month, I did the same thing with the post-dated checks. (stupid me) They did the same exact thing AGAIN! They stated that I still sent them to the wrong address.in November, I received a letter from then stating they would sell my house at "a date earlier than 11/21".
On December 23, they have someone in a suit come to my house and attempt to serve my elderly father, then my 15 year old son, with a "Three Day Notice". I called GreenTree the day after christmas. I told them that because of this "post-dated check mess", it had me falling behind. But, I told them I would send in the current payment each month plus an extra $200 until the arrears was paid. The arrears was approximately $2600.
The Operations Manager told me "the arrangements are unacceptable", and I had to come up with the full arrrears within a week. They told me they had sold my house to themselves, at a private sale, that was unpublished, and I was being evicted from their property.
By Law, I was supposed to have been informed of the date, time and place of the pending sale so I can have a chance at buying it back. They have not provided proper notice, they didn't have me properly served any notices, they can't sell your property at a private sale with no knowledge to you, and BEWARE. If they screw something up, IT'S YOUR FAULT!
They won't accept my payment arrangements, accept no fault with the checks, and treat me as if I haven't made any attempt to pay my mortgage. I haven't been hanging out here, not paying anything! All this trouble started when THEY tried to get away with depositing more than they were supposed to. I have the money to get this caught up, but they won't guarantee me that it will cure the default, or give me back the title to my house.
These people are heartless, and unfeeling. Not to mention underhanded and criminal! Know your rights because these people play every angle, hoping you'll be ignorant to the law and give up trying to save the property.
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