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Posted by Pam on October 13, 2002 at 20:06:56:
I need everyone's help...We are 4-5 mos behind on our mortgage, were told by one of our loss mitigation dept's that our reinstatement amt is $11,600, and that we didn't qualify for a repayment plan. She referred me to ANOTHER loss mitigation dept rep at a different location. I faxed him all of the paperwork (financial form, letters, paystubs, etc) AND called him immediately afterwards, but only got his voicemail. Our sale date (courthouse steps) is 11/19. The mtg company has been screwing us around for 1-1/2 mos now and it has come to this. I contacted them and was told a workout pkg was being sent. Two wks later we didn't have it, so I called again. I was told that I wasn't able to speak on my husband's behalf, although they had the letter my husband signed stating I could. I told them about the letter, he found it in their system, and said he would send the paperwork. I received that and the notice of foreclosure came 3 days later. I faxed the pkg to the rep and she was never available. It took 2 wks before we caught up with ea other...all for her to say I couldn't speak on my husband's behalf, etc., and then that we didn't qualify for HER plans and referred me to someone else. What do I do???? Should I find someone to intervene? It's an FHA loan, 30 yrs, $165,000 now with fees and lack of payments. I'm afraid we're going to lose our house!!! (sorry so long!)
