What is the name of your state? PA
I have been having problems with my mortgage for the last 6 years.
I was injured on my job and was placed on Workers Compensation. I was subsequently fired and won my job back.
I was behind in my mortgage payments when I was fired and was given the opportunity to make up the payments, which I did. To my knowledge I was current with my account.
I received a computer generated letter that stating I missed a payment and that I should contact their office. I contacted their office and was told that I had missed 2 payments for June/July. I knew the payments had been made because of the information I had received during a prior telephone conversation, and sent in a copy of the receipts for the payments.
I wrote the mortgage company and, received no response from the mortgage company, but still continued to receive late notices.
I have been writing the mortgage company since my last telephone call to them, and that was approximately 6 years ago. I told the representative that I had written them a letter that contained copies of the receipts.
I was told on the telephone by one of their representatives that "We only handle our business on the phone or by fax not in writing!" I asked the representative to repeat her statement and was told the same thing word for word.
The representative then threatened me with foreclosure, the sale of my personal property and jail time for not fulfilling my financial obligations with their company. I decided from that date on, I would only deal with them in writing and not on the telephone.
I have been writing this mortgage company for 6 years and had not received a response from them.
A few months ago, my mortgage was sold to another mortgage company. I received a notice stating that I had missed a payment and they wanted me to call their office to discuss the matter.
I telephoned the new mortgage company and explained in great detail to no less than 8 people, my problems with the original mortgage company. I was told that they only had partial records and would have to request the information from the original mortgage company.
It took several months to get a reply and the reply only contained the partial information the new mortgage company had when my files were transferred to them.
As far as I could tell from the partial records I was to date in my payments and when I again telephoned the new mortgage company, I was informed that they were only acting on the information they received from the original company. I was informed of the months I was alleged to have missed. I stated I had copies of the receipts and was told to send them to the correspondence office.
I sent the copies to the correspondence office and never received a confirmation the information was received. I again telephoned their office and was told there was no record of this correspondence. I was placed on hold while the person read the record further. Somehow we were disconnected and I again telephoned them and spoke to a different person.
This went on for days and I was not getting the information I needed to be able to defend my position that the payments were made. I later found that the payments were applied to the months it was alleged that I missed and late charges have been applied to each and every month since I was still behind in my payments.
Out of total frustration with the new mortgage company I filed a complaint with the FTC and the Attorney Generals Office.
The investigator has managed to get the new mortgage company to respond and send me copies of their alleged investigation. Now it is alleged that I have missed 5 mortgage payments not 2. However, they still have not been able to determine which month including the year I have been alleged to have missed the payments.
In my own opinion, I do not think either mortgage company is able to determine the exact month or year the payments are alleged to have been missed.
I have received 2 letters of Intent to Foreclose on my property and telephoned the new mortgage company to see what could be done to stop the foreclosure because the original mortgage companies records were being disputed.
I was told there was nothing that could be done and that the foreclosure would proceed regardless of the fact that I am attempting to straighten out the situation.
Do I have any protection from the foreclosure since I filed a complaint with the FTC and Attorney General's Office?
If the mortgage company is unable to determine exactly which payments have been missed, can I still be forced to make up the payments?
Would I get in trouble if I move, fix up the house a bit and try to sell it before the foreclosure?
Do you have any suggestions on what I should be doing next? Any information would be greatly appreciated.
Thanks
I have been having problems with my mortgage for the last 6 years.
I was injured on my job and was placed on Workers Compensation. I was subsequently fired and won my job back.
I was behind in my mortgage payments when I was fired and was given the opportunity to make up the payments, which I did. To my knowledge I was current with my account.
I received a computer generated letter that stating I missed a payment and that I should contact their office. I contacted their office and was told that I had missed 2 payments for June/July. I knew the payments had been made because of the information I had received during a prior telephone conversation, and sent in a copy of the receipts for the payments.
I wrote the mortgage company and, received no response from the mortgage company, but still continued to receive late notices.
I have been writing the mortgage company since my last telephone call to them, and that was approximately 6 years ago. I told the representative that I had written them a letter that contained copies of the receipts.
I was told on the telephone by one of their representatives that "We only handle our business on the phone or by fax not in writing!" I asked the representative to repeat her statement and was told the same thing word for word.
The representative then threatened me with foreclosure, the sale of my personal property and jail time for not fulfilling my financial obligations with their company. I decided from that date on, I would only deal with them in writing and not on the telephone.
I have been writing this mortgage company for 6 years and had not received a response from them.
A few months ago, my mortgage was sold to another mortgage company. I received a notice stating that I had missed a payment and they wanted me to call their office to discuss the matter.
I telephoned the new mortgage company and explained in great detail to no less than 8 people, my problems with the original mortgage company. I was told that they only had partial records and would have to request the information from the original mortgage company.
It took several months to get a reply and the reply only contained the partial information the new mortgage company had when my files were transferred to them.
As far as I could tell from the partial records I was to date in my payments and when I again telephoned the new mortgage company, I was informed that they were only acting on the information they received from the original company. I was informed of the months I was alleged to have missed. I stated I had copies of the receipts and was told to send them to the correspondence office.
I sent the copies to the correspondence office and never received a confirmation the information was received. I again telephoned their office and was told there was no record of this correspondence. I was placed on hold while the person read the record further. Somehow we were disconnected and I again telephoned them and spoke to a different person.
This went on for days and I was not getting the information I needed to be able to defend my position that the payments were made. I later found that the payments were applied to the months it was alleged that I missed and late charges have been applied to each and every month since I was still behind in my payments.
Out of total frustration with the new mortgage company I filed a complaint with the FTC and the Attorney Generals Office.
The investigator has managed to get the new mortgage company to respond and send me copies of their alleged investigation. Now it is alleged that I have missed 5 mortgage payments not 2. However, they still have not been able to determine which month including the year I have been alleged to have missed the payments.
In my own opinion, I do not think either mortgage company is able to determine the exact month or year the payments are alleged to have been missed.
I have received 2 letters of Intent to Foreclose on my property and telephoned the new mortgage company to see what could be done to stop the foreclosure because the original mortgage companies records were being disputed.
I was told there was nothing that could be done and that the foreclosure would proceed regardless of the fact that I am attempting to straighten out the situation.
Do I have any protection from the foreclosure since I filed a complaint with the FTC and Attorney General's Office?
If the mortgage company is unable to determine exactly which payments have been missed, can I still be forced to make up the payments?
Would I get in trouble if I move, fix up the house a bit and try to sell it before the foreclosure?
Do you have any suggestions on what I should be doing next? Any information would be greatly appreciated.
Thanks
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