I was laid off on 12/30/08. I called ASC to let them know that I would be receiving regular paychecks through the end of Feb. And apply for a loan modification, knowing money was about to get very tight. I was told that I was ineligible to apply because I was not behind on my mortgage. When I asked "Isn't that the point - to NOT get behind?" I was told that there was no reason to lower my mortgage if I could currently make the payments and to call back when I couldn't. I called back in Feb. And was told that even though my money was running out, I would have to be 2 months behind to apply.in April (now 2 months behind) I called and was told that again I was ineligible because I didn't have a job. I told the csa that it would be a lot easier to get caught up and be able to make my payment if it was lowered, that although I was actively job hunting, nothing had come together yet but I had applied for unemployment. I was told to call back when unemployment came in and they would discuss applying at that time. I was in "adjudication" for 4 months. I have finally received a lump sum in back payment, but now that lawyers fees etc. Are involved in my foreclosure, I am unable to save my house. It upsets me because I've been trying from the beginning to keep them notified and have them work with me. They still call me several times a day, even though they've sent me into foreclosure. My only hope now is to apply for hardship and try to short-sale my home. They contradicted themselves every time I called. I think this is intentional and they don't really care about their customers - as one of their reps so eloquently stated in their slam of all customers.
0 comments