Loan servicing, payments, escrow account

Posted on Posted in Complaints, Mortgage

review

I started the modification ( RMA ) process with XXXX in XXXX of XXXX After processing reams of paperwork, all of which were redundant items asked for over and over again, a modification was given in XXXX of XXXX. I was put into a 3 month payment trial which I lived up to. In XXXX regular modified payments began. I was sent the modification agreement to be signed and notarized in duplicate. I signed and had notarized both and sent it in, but put a note on the bottom stating I was signing under duress as I was told this would be a principal reduction. It was a standard modification. They called and told me they could not accept this with the note and would not do the mod with the note. They said they would send XXXX more forms for the original mod agreement. After 5 days I called and they said they had sent it. The woman I spoke with, XXXX XXXX on XXXX/XXXX/XXXX asked me if she could fax it to me. I agreed, she faxed the form, I made a copy of said form and proceeded to have both notarized and placed my original signature on both. Sent it in through regular mail and they in turn called to say they do not accept fax copies! The form itself was a fax sent by them! The signature and notarized RAISED stamp were original. I said you people sent the fax. What are you talking about? Well, the person faxing should have told you we did n’t accept faxes. Why would she have faxed me then? Here we are after being told they were OVERNIGHTING another mod agreement XXXX, said which never came. Called again and was informed I have been put back into foreclosure!! Something untoward is going on here. The only explanation that makes any sense to me is they are attempting to get out of doing the mod already offered and payments accepted until the last XXXX I sent and they received on XXXX XXXX. They refused the XXXX XXXX payment ( of which I have proof of them receiving on time through XXXX XXXX ) so now they can claim I have n’t paid, I guess. After nearly three years of being put through a ringer when I qualified from the very beginning and to now have them pull this kind of under-handed game with the roof over my head is reprehensible and unconscionable.

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