Our horror story began when Associates turned our mortgage over to Citifinancial on May, 2001. The first 5 payments were correctly placed into our account. After that the payments we sent to them did not equal what they say they received. We struggled to keep this company happy. They would not accept additional principal payments from me.
I sent payments even though I didn't ever receive a statement from them. I wrote up my own form letter of information to apply payment to my account and constantly requested a statement yet they continued to ignore my request. The payments
we sent showed 3 weeks later on their statement they sent
to our attorney.
I was $900 behind on the mortgage when I filed Chapter 13 reorganization bankruptsy and I included only that $900 in the filing. This was in August, 2002. This threw them for a loop. They sent out to all my creditors that we had abandoned our home and we were 15 months behind in payment!!!
We received a letter from CitiFinancial's attorney telling us they were foreclosing.
We went to court. Their lawyer didn't show so we rescheduled.
We went to court again. Again their lawyer didn't show.
Next court date their attorney showed and said she'd agree to us being 6 months behind. We were stunned but agreed with them we'd send $250 a week from June through November to settle the arrearage plus make current payments. The lawyer gave me her
I sent first 2 payments on June 19, 2004 and June 28, 2004.
We received them back with a writing of "reject" on them.
I contacted their attorney and she said hold onto them. Citi was still hunting our money that was lost. I then decided to put away $1,200 to pay them. She said she'll look into it and get back with me. Four months later we are to go back to court and I receive word from my attorney that they say I'm $5,000 behind. I told him no way!!!!!!
I sat down and figured up the borrowed amount of $48,304.24 at 10.94% interest. Payments monthly at $457.82 at 30 years. The worksheet shows I have to this date paid $17,322.03 in accumulated interest and $848.65 in accumulated principal.
Since January 2002 our mortgage payments do not equal their record of our account.
Someone is pocketing my money. Payments are being put in someone elses account and I'm being ripped off and punished for
Now my family's health is failing over this worry of losing our home! My immune system is failing due to the stress and worry. I'm fighting depression and anxiety. I'm emotionally distraught and now cannot work. I fight high blood pressure. My husband cannot sleep with the fear of losing the home. We've been here 26 years!!!!!! We were planning to divorce last summer but because of the money we couldn't. This stress has come between us now. My husband works so much overtime he isn't getting adequate rest. He's a truck driver and with this worry causes him to be unstable on the road and endangering all lives in the vehicles. He doesn't sleep. He doesn't eat. He can't work enough he thinks.
So now today the attorney calls. He wants me to come up with receipts for 2004. My hands shake from a muscle seizure disorder (myoclonus) that I have come down with so badly that
I can no way sit and do this paperwork. I will have to call the bank and request 2004 receipt copies (already did 2001,2002,2003 costing me $50) for him. I sit crying on the phone explaining to him how nuts this all is!
He said if I send them the $1,200 that they can postpone the court hearing for tomorrow and it will give us another month to work on this. Now we are into the holiday season AGAIN (did this in 2003 also with them). I told the lawyer I want to know what the $1,200 is going to be applied too. Where I'm to send it? Will they accept it?
I'm being totally used and abused by CitiFinancial. I want my normal life back!! I want my mortgage sent to another company that is a good company that won't steal from me!!
I was so blown away to see how many people went through the same thing that my family is going through with CitiFinancial.
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