I fell one month behind in my morgage payment. I made it the following month, but continued to be one month behind. I contacted Provident Funding and told them when I could make the next payment. No problem he said. I called on the date I made the committment to make payment and was then told they would only accept a miniumum of 2 payments. I told them I could come up with all but $100. Michael Proctor, rep, told me I could call back at the end of the month and make the payment, as long as I called be 1/1. I ask if he was certain because by then I would be 3 months behind and I could not afford to make 3 payments in one month. He promised me it was not going to be a problem. Well, I called back on the date I said I would to make the 2 payments and I was refused and informed that it went into foreclosure the prior week. They are not acknowledging my conversation with Michael Proctor, in his notes he lied. They said I hung up on him (I didn't) and they have no record that he said I could call back at the end of the month.
What kind of recourse does anyone have to unethical practices such as this? Now my word against his and of course he won't return my calls. I was initially 1 month late and everytime I called to make a payment I was told something different and they wouldn't accept payment. They are the ones that kept brushing me off, now I'm 3 months behind with a foreclosure... Simply because the reps lie, but Michael Proctor was the biggest lier.
If anyone has any advice on how I can resolve such practices I would appreciate it. The house has been sold and is on a lease agreement, due to close mid, I only need to hold on to it for a bit longer. I've had the house for nearly 30 years, there's less than $100k owing on it. The lender will make a profit if they sell it and will not work with me. I can't believe they are this greedy... So much for Freddie Mac, the Government sponsored program. They act like their wanting to help, but they don't. They don't know the meaning of customer service and honesty.
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