My mother passed away and I had to move in with my father to care for him. He passed away about a year later. I rented out my home because I needed to money to pay the mortgage. I lost my job and began having financial difficulties. I had to stop paying payments due to a loss in income. I asked for someone at Fifth Third to contact me in October of 2009. I tried again in November and no one called me back. I wrote a letter in December and no one contacted me. In January I finally got someone on the phone. They sent me paperwork to request a short sale on the home. Every two weeks they made me submit the paperwork again saying they never received it, even when I had confimation from my fax that it went. I got a call from Ellen and she wanted to update my finances. This was in February. She told me I was eating too much and needed to cut back so I would have more money to pay on my loan. She also said I needed to stop cleaning my home,that I did not need to buy cleaning supplies monthly.
I was spending $100 a week on groceries. I do not know where she lives, but, we have one grocery store and it costs $50 per visit most times. My realtor kept calling and no one would call her back. I finally got a call on 05/06/2010 that my short sale was denied. I asked why and they said it is because I am not living in the house. Ricco Eliza said to go to the Hud website for guidelines and see that I have to live in the house to be approved for a short sale. I tried and could not find that information. Finally late in the day I found what I needed. The guidelines say you have to live there except for a death or loss of job, both of which fit my hardship. I called back and he refused to discuss it any further. I told him my brother just sold his HUD home on a short sale and he did not live in the house. He said he did not care that is the federal guidelines. I tried to call his supervisor, Chris Miller, he will not return my call, or that of my realtor. I have tried to call again all day today and no one will even answer my call of call me or my realtor back. I believe this is blatant discrimination and want to know who to contact to get assistance. These are the rudest people I have ever tried to work with.