Countrywide allowed someone to brake into my vacant home. I was told by a Representative today "the home is vacant and we are the lien holders and since no one lives there we have the right to have the home winterized and the locks changed." Countrywide did not call or send me a letter to inform me of this action and the agent seemed justified in her response. Although I am behind on payments I am not in foreclosure yet and have not received a foreclosure letter and was informed by another representative that no letter has been sent.
Can a mortgage company have this much power? Is this legal? And can we stand by and allow someone to break into our homes and not call it a crime? I Think NOT.
NM Case law is unclear on how the laws apply to my specific case being I am not in foreclosure and my home is vacant. Countrywide states that the home is abandoned or vacant and as such falls under the contract guidelines which gives them the right to secure the property but is this not a contradiction when you send someone to break into the another's home?
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