from pablos77 at msn.com forum
They posted the following
” I started to get a mod from Citi in March of 09. The first two slimes told me that if I was current on the payments they wouldn’t work with me. I couldn’t believe they would tell me that so after the first one I recorded all my calls. The second time I talked to the 2nd slime that I had originally talked to she said she would NEVER have told me not to stop my payments and the best way to avoid foreclosure was to get caught up on my payments - two months late due to their advice. Same voice- same slimeball- lying through her slimy teeth. The next episode after trying for two months to get someone to follow through on the fact that they said they were going to modify the loan in two weeks ( two months ago starting in March) was the Obama HAM trial payment plan that we were “qualified” for due to lack of employment, interest only loan, and the house being upside down to the tune of about $150,000. All we had to due was make the three “trial” payments of the new amount and at the end of three months they would change the payment to the same amount. Three months later after making the payments on time with cashiers checks– I saved all the copies, the mail receipts, the signature pages from the slimy reps that got the checks- all well before the due dates. After the three months payments were all sent in the slime ball Citi mortgage told me that they couldn’t change the loan to the “trail” payment amount cause the “investor” wasn’t participating in the Obama HAM program. When I asked them why they didn’t know that prior to “qualifying” me for the loan and taking my money they hemmed and hawed and said they didn’t know. What they didn’t know that I knew was that THEY ARE THE INVESTOR. Pretty funny huh? After hiring a lawyer and threatening them with a lawsuit for illegal fair trade violations, fraud, and a few other items and letting them hear some of the tapes ( I have about 20 hours of lies, diversions, and flimflam crap), they modified the loan to be $160 less per month after I agreed to not sue them and to never use the evidence against them on a special form I think they made just for me. They added fees, interest, and other misc. who knows what onto our loan to the tune of $35,000.00. So bottom line- to save a total of $4000.00 over 5 years it is gonna cost us $31,000.00 added to our principal. LOL. Can you believe this ? The real problem of course is that the same bank- Citi- that originally appraised the house and gave us the mortgage now won’t refinance it because we were late with the payments (that they said to be late with and ruined our 700 credit scores) , and the house is upside down so they wouldn’t do it even if our credit scores were in the good range. Screw them. We are gonna live in the house as long as possible without paying for it. I’ve already found several sellers with really nice houses that are willing to carry us at 5.5 – 6.0 % for at least 8 years ( time to get our credit scores straightened out- like that really makes a difference) and get this all behind us with a payment that is a third of our old one and granted the house isn’t quite the same, but I’m sleeping at night and we have a nice new place to live that is very affordable. So I hope somebody else recorded all their calls with the bank and if so, I still have mine and would be happy to pass them on to anyone that might be interested in exposing the rat **** for the slime that they are and the scam they have pulled on the American taxpayers.”
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Pretty frustrating experiences, instead of letting the home go into foreclosure they should have gone the short sale route though. Still this is pretty much the feeling out there in many households looking avoid being victims of these very powerful institutions.
If you or someone you know are having difficulty paying for you home call us
Troy Huerta (Short Sale Team Leader for California)
Michael-Edward (Short Sale Specialist)
951-572-2789 South Riverside County – Temecula Redhawk – Home Office
949-630-9743 South Orange County Office
760-420-5498 North San Diego County – Troy Huerta – Team Leader