Home Side Lending ripoff, forclosed my home to HUD Jacksonville Florida

I too have been shafted by HomeSide lending as well. I Was laidoff from my job in 2001 n my husband was let go from his job in 2002. We had contacted HomeSide to tell them of our dilemma that we would not be able to make house payments due to loss of jobs and we would like to avoid forclosure if possible.

they had told us that they would be sending forms and to send the necessary documents and to fill out the paperwork that was required. they said they can do one of three things:

1)Forgive the loan for a short amount of time till we get back on our feet.( they would have to restructure the monthly mortgage payment).

2)forgive the loan alltogether n we would be responsible just for land taxes.

3)refinance and take out a loan against the house to pay for the overdue and or amount due.(which didnt make much sense to me)

We decided to do #1 and we filled out the paperwork n sent all the documents that they needed.

That was in Dec 2002

They foreclosed our home on April 2 2003, no word except from a lawyer in Bellevue NE(sent a certified letter)saying that the house was going to be foreclosed on this date. I had called this lawyer n stated that I had sent everything that Homeside had needed. She said that it was never recieved.

and at this time they were swiching over to Washington Mutual.

(and i say on the never recieved part,,,, bullshit!)
Then it was sold to HUD, hmm that smells like a skunk to me!

I doubt if we can ever recoup for what happened but i wanted to warn ppl before you go thru HomeSide or Washington Mutual, please check them out first b4 you sign anything, Please!

btw: this incident happened in Lincoln, NE

Sue
Ft Scott, Kansas
U.S.A.