CAUTION TO EVERY CITIMORTGAGE homeowner who gets a HAMP refusal.
I had been initially educated when I were to become refused a HAMP change, the distinction between my regular HAMP funds and my normal mortgage cost (which came to over $4000 in my own situation), could be set towards the BACK of the mortgage.
Your day I had been named by Citimortgage to become educated that I had been refused my HAMP change, I had been informed from the consultant who named me that I'd to use for an expansion, to be able to place my distinction towards the back of the mortgage. TO BE ABLE TO be eligible for an expansion, I'd to create ONE FULL MONTHis cost to create the consideration present. And so I reluctantly created a complete month's cost (it was may 30) and requested the expansion.
Couple of days later I had been informed I had been refused the expansion since the reason behind the expansion wasn't legitimate (the very first bank published that it had been as a result of job loss). I spoke to some boss, and he explained the main reason that needs to be set is the fact that I'd simply been refused the HAMP change, therefore needed to make an application for an expansion to be able to place the distinction towards the back of the mortgage. To be able to make an application for the expansion, (it had been today May 2), I'd to create the consideration present ALL OVER AGAIN, but producing still another weeks' complete cost.
3 days later, I obtain a phone from the citimortgage debt collector requesting me to pay for my excellent stability. I clarify that I requested the expansion, and he or she informs me the extension continues to be refused, which she desired to work-out a cost arrange for me to create another weeks' cost from the end of May. Citimortgage was obviously departing HAMP refused homeowners towards the deep-water to move using the sharks.
Discouraged I called citimortgage all over again, simply to be informed that there surely is the capability to place the HAMP distinction between HAMP funds and normal mortgage towards the back of the mortgage, that it's completed instantly by citimortgage when they haven't noticed from you for 15 times, but that SINCE I'd BROUGHT MY ACCOUNT PRESENT, I HAD BEEN DEEMED TO POSSESS INSTANTLY ELECTED FROM THE PROGRAM. How can this create ANY FUCKING FEELING PLEASE? I had been generally COMPELLED to create my account present TO BE ABLE TO make an application for an expansion to place the total amount towards the back of the loan, simply to be subsequently informed that SINCE I introduced my account present I CAN'T are in possession of the total amount to become set towards the back of the loan.
So men, should you get refused HAMP by citimortgage, BE SURE YOU request the process which allows one to place your exceptional stability in the back of the mortgage and never have to make an application for a expansion that's only a simple TECHNIQUE by citimortgage to cause you to spend your overdue stability while underneath the test HAMP!
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