HOMEQ AND WACHOVIA BANKHOMEQ SEVICING AND WACHOVIA BANK HOMEQ WAS NEGLIGENT IN APPLYING 2 MORTGAGE PAYMENTS TO MY LOAN SO IT WAS PUT INTO DEFAULT AND WAS SCEDULED TO BE SOLD. Sacramento California

HOMEQ has driven me into a state of depression because they claim that I didn't make my Nov. and Dec. payment in 2006. I have my Western Union Quick Collect Receipts for both months but they were never applied to my mortgage account. So in January they refused to cash my my check for the January mortgage pmt and put my account INTO DEFAULT FORBEREARANCE STATUS and AT THE SAME TIME placed forced insurance on my home.

I argued with them until April and sent them copys of the Quick Collect Receipts and proff of insurance. I spoke to several reps. and none of them ever documented my phone calls or acknowledged the faxes that
sent.

Finally in May I broke down and signed a forebarence plan because they had scheduled the auction for my home.They refused to assit me. Currently my mortgage pmt. is $5,400.00 monthly. My pmt. was originally 1,800.00.

The DEFAULT FORBEREARANCE states that I owe them $24,331.67. This is the second time they have put my account INTO DEFAULT FORBEREARANCE Status in the last 12 months. In December I will have paid them a total of $33,646.58 and they have ruined my credit.

Crystal
Fresno, California
U.S.A.