We submitted Ch. 7 Bankruptcy 5/18 in Tallahassee, Fl. PNC delivered the Trustee a notice stating they'd prefer to reaffirm the house mortgage. PNC published up a reaffirmation for that mortgage loan and closed it. The reaffirmation states 300 funds at $531.78 with fixed-interest 5% – to begin 03. It had been submitted using the Bankruptcy. The Bankruptcy was Released on 09/18. Subsequently on 10/22 the Judge did a reaffirmation reading and accepted the reaffirmation with PNC, as this being our home an we didn't have A Lawyer it'd to become authorized from the Judge. We extended to create funds as decided. On Dec. 29 I approached PNC and have basically must proceed to create my funds towards the same handle, because they didn't mail-me a brand new discount book. I had been informed from the Consultant (John logo #PSY) that I had been to not make funds they'd just take the entire balance owed about the home. I ask why, and was informed the change wasn't full. I mentioned we did a reaffirmation so we didn't require a change! He explained our cost might be less! We didn't such as the method this seemed and shipped our cost by certified email and PNC approved it and cashed the check! Subsequently on 01/13 my spouse (not me) obtained a notice "intention to foreclose" within 20 times of the notice dated 01/07!! They mentioned we'd not created funds from 10/01 so far! We've our inspections to show we did and PNC claims that these funds were for many additional back-payments owed! I mentioned that can not be accurate. We did a reaffirmation acceptance on 10/22 also it was authorized and we created our funds throughout the Bankruptcy or they'd not need reaffirmed the mortgage! We need help! We're equally Handicapped on the fixed-income and PNC needs we spend them $2380.52 or they foreclose on 01/27. We-don't owe this cash and created our funds. I named PNC on 01/14- I talked to Bianca Logo # TSK - she extended to convey we're 4 payments overdue plus they are likely to foreclose on 01/27, and certainly will not take any funds! I mentioned we're not and did a reaffirmation and PNC wouldn't reaffirm financing 4 weeks overdue. She chuckled and stated, PNC does this constantly, "meaning reaffirms overdue loans! PNC remains to convey we're 4 funds overdue! PNC wouldn't have reaffirmed the mortgage if we were 4 funds overdue! This can be a FHA Mortgage and we can not obtain help. First was FHA, maintained by National City Mortgage - minute offered to PNC Mortgage - Subsequently PNC stated they offered our mortgage to a! We-don't actually understand that has our mortgage. We've submitted a using the Florida Attorney General – Senator Bill Nelson – Representative Bill Southerland, and never a-one has answered to us! What do we do? I believed a reaffirmation was a binding report authorized with a Federal Judge. We require a Category Action Suit against PNC, But who are able to pay the Lawyers??
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