Flagstar Bank served with papers of foreclosure... Troy, Michigan

It all started while my husband was deployed 1/13/2009-1/23/2010…we sent in Power of Attorney documents, a letter of authorization…several times…because it was a VA loan I could not be on the mortgage…my husband took time out while he was in Iraq to fax over once again a letter of authorization…then we sent in power of attorney about 5 times and to this date they still say they have nothing…

In December of 2009 we never received a check for our taxes…it was December 26^th…so I called and asked them about it and they refused to talk to me and I told the lady that it is against the law to not have our check here before the 31^st so that we can pay our taxes so I suggested she tell me what the hell was going on or I would pursue other actions…so she told me that they had automatically sent our payment to the city of Oshkosh. I asked…the whole amount or just the property tax amount. She told me the whole amount which was $1000 more than usual because our sidewalks were redone and our recycling bin was added on there… so our account went $1000 in to the negative…I asked her why we weren’t given the option to pay the extra 1000 quarterly (250 every 3 months)…she said that we were sent a letter stating that they would automatically pay our taxes…which mysteriously we never received…so then I questioned whether or not they looked at what was actually taxes and what was not and she said they only look at the total amount not the itemized portion which clearly states sidewalk and recycle bin…NOT property taxes in which that was what we agreed to for an escrow…not for everything else to be paid…so with that our escrow went 1000 into negative and our payments went from 676 to 888…we have two small children and one income…I am now a full time 40 hour a week student… we could not afford the extra 200+ per month so we were paying what we could afford…little did I know they don’t accept partial payments…so it was going against us…but instead of sending the money back they kept it…I had them apply it to make a payment because all in all its our money not theirs…so they did…we fell behind again and are now facing foreclosure…we have been served with a packet and a mediation option…we have contacted a HUD agency and are gathering all the information we need for them to help us… we can hardly afford to live with all of the expenses we have and we don’t want to lose our house…I have 5 months left of school and then I can get a job…I don’t know what to do…all I know is flagstar bank needs to check themselves because they do not help their customers they only try to find everyway to screw them over and take their money…WE NEED HELP!!!