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kamymenapace

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What's Happening Now

August 10, 2012 7:12 pm

To Whom It May Concern:
• I bought my home in 2001. CITIMORTGAGE later purchased my mortgage. From 2001-2009 I made all my payments on time. In early 2009 I asked for a 3 month deferment on the payments while awaiting my disability to go through and payments to begin.

• I was then told I qualified for a “loan modification” and that it would reduce my payments and interest rate and make them more affordable.

• I was advised not to send in any payments during the modification. The bank would not accept them.

• They would let me know when to start making payments again. Then the paperwork and reps process began.

• I sent in the paperwork at least four dozen times and went through many steps and departments.
• I… more »

…sent the same paperwork again, again, and again.

• In 2009 And 2010 I was put on temporary payment programs. I made all the payments on time.

• For six months they were elevated payments and made all the elevated payments on time.

• Then back to the modification process and no payments accepted again by the bank.

• In June the modification process was closed because I could not furnish a letter from SS on how long I would be on disability. That’s like asking someone how long do you plan on being employed at your job. There is no timeline I told them. Social Security’s answer with regards to this is “indefinite”. I am on it till I get well, which doesn’t look anytime soon. I sent them a Dr. note outlining a time frame as much as possible. That’s all I can get to do so.

• I am now over $45,000 in debt over a three-month deferment and am in imminent threat of losing my home.

• We are a family of two adults and five children that are going to be put on the streets in Cassellbery Florida.

• This is a widespread problem and they might as well be getting away with murder doing this to people. This has to be put to a stop immediately. Is this legal? Please help my family stay in our beloved home.
THEY ARE USING THE H.A.M.P PROGRAM IN A PREDATORY WAY! DISABILITY DISCRIMINATION ALSO.

[Note: Regulation Room Moderator removed personal contact information]

PLEASE FILE A COMPLAINT ON MY BEHALF.
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August 10, 2012 8:48 pm

Kamymenapace, it sounds like you’ve had a terrible time. Regulation Room can’t file a complaint for you, but we suggest you contact either CFPB’s complaint center or a HUD approved housing counselor to see if they can help.

So that everyone has space to comment, we’ve removed all the other copies of your comment. And we’ve taken out your personal information from this copy.


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