After waking this morning, I sat down at the computer for the first smoke of the day and perused the headlines on the major news websites. The first
topic I read was how Obama is in a tough spot with the economic recovery moving slower than expected and how there has been a huge jump in
Any other time I would simply shake my head at the misfortune of others, but it has come to a point in my life where I am in the same boat and so are
many other people I know.
About 10 months ago my brother was in a tough spot and needed to find the cash to pay his attorney. He is in the middle of a brutal child-custody
battle that effected our entire family, since my wife and I raised the kids while he served in Iraq, and it would have been a shame to lose the battle
just because the lawyer did not get paid.
So I gave him two months of mortgage payments to pay off his lawyer fees. Sure....maybe I shouldn't have but this was much more important and I knew
that at the end of the second month I would have the funds to make those payments even if he could not pay it back.
At the end of the second month I had the funds and made a payment using the normal methods. I contacted the mortgage company to make sure it was
applied to the account and they told me that they would not accept the payment (in fact they sent the money back) unless I setup a "payment plan" to
get the account current. I followed their instructions, setup a one-time payment "plan" and sent the money as instructed.
One week later I received the money back and was told that they could not accept the payment because I did not sign the "payment agreement". Which, of
course, I had never seen or sent a copy. Still, I talked to them and got the plan setup again....this time I had them fax the paper, signed it and
faxed it immediately back.
This payment was sent to them by Western Union and was immediately denied by the mortgage company! When I inquired as to why this had happened again,
they informed me that the home was now in forclosure and I could not make a payment unless I covered the foreclosure fees as well.
I refused to pay the fees. I had made several attempts to pay the balance due long before foreclosure was an issue! After realizing that it was their
fault, they removed the foreclosure fees and setup another "plan" to bring the account current.
This time they asked me to make a regular payment through bank transfer. Which I did. The only problem is that they re-routed the money to a different
account and was never applied to my mortgage account. They couldn't figure out where the money went.
I have the bank transactions to prove the money was transferred, so that is not an issue. What is an issue now is that the company changed names in
the middle of trying to get this entire debacle figured out. They are now saying that I never made the payment and it is irrelevant that I made the
payment to the former mortgage holder.
So, in reality, I am out the thousands of dollars I paid to company A, and now company B is foreclosing on my home. I have been fighting this for
many, many months and it looks as though I am losing the fight.
I have talked to a number of lawyers, they all agree that I have a great case against the original mortgage company and could easily beat them in
court. The only problem is that not one of the lawyers can take action against the mortgage company until they actually foreclose on my home.....Then
I can sue them.
So it looks as though I may have legal recourse but I have to lose my home first! I have put many 10's of thousands of dollars into the home and have
raised both my children here. I'd like to keep my home but it looks as though I will fail.
In closing, I feel for those of us that fight to keep what is ours, only to fall prey to foxes and weasels of the world. Ya, the economy is bad Mr.
Obama! You couldn't tell, smartass? How about you worry more about what we the people need instead of kneeling at the altar waiting for the corporate
edit on 14-6-2012 by sheepslayer247 because: (no reason given)