Though I turned unemployed I extended to create my mortgage repayments. I requested the HAMP plan in- May in expectation of the reduction in my unemployment hence trouble in achieving my mortgage repayments starting August. I'd contact them atleast twice per week each month, and every time was informed my software was "in procedure". From the end-of 3 months I WOn't take the exact same reaction and was handed in one division to a different till I requested to get a boss. It had been just then the repetition explained somebody in CitiMortgage had "decreased the basketball" on my software, which it had been within the wrong division. From the period on, each and every time I named, I had been requested for that same paperwork that we supplied every time. Our child had transferred back with me to assist me with my costs. Prior to the HAMP recommendations, I applied her revenue combined with the small unemployment check I had been getting each week. Over and over I had been requested for that same paperwork. Again and again I had been informed I had been to submit "updated" paperwork to carry on the "procedure".in November I obtained Notice of Purchase since at that time I had been 3 months in standard. After I named them, they explained they wouldn't approach my software for that HAMP plan until all inner choices were exhausted. After some hot conversations, I had been ultimately requested for that same paperwork that we supplied once more. Next stage, I kept asking them what must I spend to be able to avoid the purchase, but was alternatively delivered a notice in the lawyer's office challenging a complete benefit. The vocabulary involved a declaration that any sum paid towards the mortgage might simply reduce the quantity although not decrease the foreclosure procedure. Concerned about this I named again, and again was informed my software had been prepared. Your day prior to the purchase day, I named again, which period I had been informed that to be able to quit the foreclosure purchase I'd to deliver an updated software. Our home didn't continue the market block, and that I was so treated. That's not, nevertheless, how this stops. Our boy explained that there have been several grievances about CitiMortgage as well as their handling of change programs. He recommended me to contact them frequently that we did. Every time I named I had been informed the same. Oneday I obtained a notice stating that I had been refused the change since I never posted the paperwork which was requested of me. As infuriated when I was, I continued faithfully to react using a notice by email and by fax. I extended to provide them updated paperwork repeatedly again. I forgot to say the purchase wasn't ended, it had been simply delayed to April 5th. Normally I'm nervous and so I named them twice or 3 times each week. I never obtained a telephone call back from my designated "counselor" though I kept making messages on his voicemail. Ultimately I required to consult with another person and was informed I had a need to publish the exact same paperwork. The final moment I had been requested to submit an updated paystub was precisely 1 week before April 5th. As much as that a week ago I kept obtaining a voicemail information from CitiMortgage stating I had been pre-accepted to get a change. Your day before April 5th, I named. This time around I had been informed that choices have been exhausted and my home could be sold as planned. I had been ruined. The repetition had the audacity to inform me the only way of preventing foreclosure was to pay for over $10K, which she realized used to donot own it. Therefore my home was foreclosed on April 5th, and there is nothing else I really could do.
I realized then that choices hadn't been exhausted since no choices were actually directed at me. Not action instead, not short-sale, not temporary cost program, nothing. Today I came across much more choices. All-along there is and continue being a course CALLED-UP for individuals like me unemployed and getting benefits. Another program I understand I qualified for may be the Toughest Hit States Plan. These two choices weren't agreed to me both. The carpet was drawn from under me when CitiMortgage foreclosed on my house while they explained these were running my change software. I've dropped my house but haven't lost desire.
I really hope this notice can help others experiencing exactly the same remedy by CitiMortgage. I really hope that with my criticism to FHA, the mortgage insurance I've been spending won't be legitimate for CitiMortgage given that they haven't adopted FHA guidelines. I hope I get my property back oneday easily need to purchase it back from whoever that purchased or may purchase my house.
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