This all started when my husband at 43 yrs of age had to have an unexpected double bi-pass. I called PNC Mortgage and informed them of the health issue and that we wouldn't be able to pay the next months payment ande asked if we could skip that payment. They agreed but said that we would have to make the payment up in 3 months on their payment plan. I explained that made our payment too unreasonable and asked if it could be added to the end of the loan. They refused and stated that this was our only option.
Every time we were at the 3rd month of the repayment plans, our check mysteriously would be late even though it had been mailed to them in plenty of time. We would be told that they would have to start us over on the 3 month payment plan.
Last June we were out of town and when we returned home there was a notice from PNC that because we were going to be 2 months late if not paid by a certain date they would file foreclosure. The date was while we were gone so we were completely surprised. We called PNC and they stated that it was too late, they already turned us over to their attorney. We had been in contact with PNC while we were gone and had made payment arragements and NOTHING was ever said to us about this letter that was sent to us. We called their attorney who stated that if PNC would tell them to do so they would turn it back over to PNC and their would be no fees or foreclosure process. PNC told us to call their attorney.
This circle continued until the attorneys filed, we were served our papers, the information was put in our hometown newspaper and we were humiliated.
It cost us over $8000.00 to get out of foreclosure.
This year we had to miss a payment because we are still trying to catch up on all of our bills from after having to come up with $8000.00, the bi-pass and my husband breaking his leg and losing his part time job because he had to be off work for 3 months because of breaking his leg.
PNC called us and stated they needed the money. We explained our situation (AGAIN) and asked if we could pay $600.00 and then in a couple of weeks after getting paid the next payment we would pay $638.00 which would then have us up to date. The person we spoke with stated that we could.
A couple of weeks later, just before getting paid, PNC calls stating they need $1238.00 now. We stated that we had paid them $600.00 and we would be sending the $638.00 in a couple of days after we got paid. They stated that they don't except partial payments and that they cashed our $600.00 check and had sent us a reimburement check for that $600.00 and wanted the $1238.00 now.
We explained that without the $600.00 that they were now sending back to us we could only pay them the $638.00. They stated they don't take partial payments and that if wasn't their fault we were told that by someone else that works for PNC.
Once my husband received the $600.00 check from them he went to our local PNC to make the payment of $1238.00 and now our April payment. He was then informed that they couldn't take our money (that would have us paid completly up to date) because they had turned us over for foreclosure again.
We've spent the last week making phone calls to PNC who tells us to call their attorney who then tells us to call PNC. Again, this has gone on until we were served our papers on Friday.
And instead of being $8000.00 like that last time, it is only $4000.00.....we don't understand how for the same mortgage, same number of payments it's HALF the cost....
We are seeing an attorney tomorrow to see what can be done....
If anyone has any helpful information we would LOVE to hear from you!!