OMG! I can't grip that there are so many more of you out there that have been or are going through what we are. Our case Started when IVAN rolled though and flooded us. I was in touch with this mortgage holder from day 1 letting them know what the status was with our case and FEMA. As you can see the wall on the right is buckling, and the wall strait under the light has started to come down and is no longer supporting the house in that corner. Its very close to the electrical box.
Since it was taking so long to get FEMA in gear we took out from his retierment to cover our motgage. Then we had the damage from the flood to deal with and 2 young children in the home ages 1 and 3 at the time. We had to spend the money on fixing our furnace, Water heater, and more. Not long after that we had to put our house up on jacks as the foundation gave way and the house started to shift.
The county engineer came out to inspect the house (his second time out) and wrote up a paper stating that we should not be living here until such time as the foundation could be fixed due to the very real posibility of a fire as the electric pannel box was very close to 1 wall that was falling in on us. Though the city refused to give me a vacate order since they knew the damage to the rest of the home was extensive and it should be demo'ed and rebuilt. They didn't want to be help responsible for that.
By the end of the year I was very ill, and ended up in the hospital with a galbladder full of stones. My husband had to stay home from work to take care of our 2 little ones durring this time. As i got back on my feet he got back to work and again I came down very ill. I called the motgage holder to let them know why we had missed a payment sinse i do all the bills. They had no mercey.
Thinking it was just the flue I didn't complain much till one night i could not move. Back to the hospital we went and was told it was just a UTI so home we went. Still ill we went to my sergons office to be checked on for the past surgery and found i was truely very ill again. Back in the hospital I landed due to a very bad kidney infection (ecoli), This took a while longer for me to bounce back from and after 7 days was sent home with an IV every day for 9 days. again my husband had to take the time off work to care for the children while i was in hospital.
He had used up all his vacation time by now and we had no income until I got home to care fore the children. then it was a week before the first check came in. What do we do put food in the house for the kids?, pay on our utility's? car? or what. That little check can only go so far. We called the mortgage holder again to let them know what was going on but after the rudeness i had to deal with was not in any shape to do that again soon.
Now with the way the house is, our energy bills are through the roof, and we fight just to keep them turned on. Well as of monday 4/20/06 we will not have heat or hot water unless I boil it to use to clean ourselves and our children.
In talking with our mortgage holder durring all of this it has been extreamly hard to hear them say things like we should divorce and leave the home so i can go on public aid with the children, or tell me oh you have not tried to contact us at all, or even that I should stay up until after my children are asleep to call them when my medications for my seizures knock me out sometimes before my children go to bed!
Who do they think they are to treat people like this? We used all of my husbands 401K retierment funds, and tax returns to get them paid and even when we do that they act like we just don't want to pay our bills.(if that were the case why would we have done that?) Now they are raising our monthly payment to cover the forced insureance they put on the house 2,500.00 a year mind you. while we were looking to get our own and have now. Soon they will add our back owed property taxes onto our payment and that will surely make that payment to hard to pay at an increase of 300.00 a month.
It is 3:07 am EST right now and i am having trouble sleeping due to the stress they put on me/us. (even after taking my medication that normaly knocks me out in an hour.) If this mortgage holder is also banking with or part of a bank then why cant they work with people like us? Why force us out of our homes with all the increases?
As it stands right now we want our home! We got married here and had one of our children here. We are willing to work out a plan with them but it has to fit within what they know we can aford not push it way out of our reach! Though I would realy like a new mortgage company not some darn collection company like this one.
They are sending me papers for a shot sale on the home. well if they are willing to take less than we owe them than whats the deal here?.. are they in this just to force people out of their homes? thats how it seems to me at the moment.I just don't get it at all.
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