As I sit here writing this with my 7 inch folder on my lap, which is full of correspondence I have had with Homeq, I am fueled. I spent a few hours reading the emails and complaints from several different websites regarding Wachovia's abuse of power, and it is time for all of us to step up and take care of business.
With the same determination we had in saving our homes from this leech of a company, we can hold them accountable.
My personal nightmare with this institute began in 2005. My mortgage became delinquent in July of 2004, by September Homeq had filed foreclosure on me and my then husband and our 6 children. My delinquency was due to a slowing sales position which was not producing income, and my husbands salary could not keep us afloat.
Soon after becoming delinquent, I spoke with a branch manager to resolve this issue the best that we could, of course expecting them to work with us on some level.
We were directed to an associated named Vonise Palmer who made it very clear early on that she was the only one allowed to handle our account. What a rude, insensitive, callous, heartless, arrogant, unprofessional, disgraceful human being this person was toward us.
I have never in my life been talked to in such a disrespecftul way, and her words were like acid to my ears. Ms. Palmer apparently was not taught the basics of human interaction.
The payment due was $1400.00, with the late fees and whatever else they put in there, Ms. Palmer quoted me an amount of $1765.89, she stated that the price would increase along the repayment process by somewhere around $70 sometime in January and we should be caught up by then.
I sent a payment in November, and December payment, due on Christmas Eve, so there was no Christmas for us that year.
Please note that I did request the increase amount and date in writing, and I was told by the lovely Ms. Palmer that it was MY responsibility to remember and that she could not furnish me with anything in writing.
This is when I knew I was up against a battle. I asked her if these conversations were recorded.
Having Western Union reciepts as well as money order reciepts, I was pretty confident that I was covering my tush, until I recieved my December payment back in early January.
As it turns out, the payments I was sending were not for the current month, they for the month ahead, which I found out once I inquired about the return of my payment.
Ms. Palmer informed me that my payment was $70.00 short. I asked if I could send the payment of $70.00 immediately, and she told me no.
She told me my house was going back into "foreclosure" status. She said it with a smug sarcasm which made me want to reach through the phone and teach her some manners.
Please note everyone, I bought my home for $88,000, a steal, from a family friend, at the time I went into foreclosure, the mortgage was $136,000, my home is appraised at $275,000
That is what Wachovia/Homeq were after "EQUITY"!!!!!!!!!!!!!
End of story is, I had to file Chapter 13 to save the house. Homeq put it up for the sale date of February 24th, I filed a few days before that.
I have written a letter to the Office of the Comptroller of the Currency (OCC) with the state of Florida (there is one for every state).
There were a few correspondence of response by the Consumer Relations puppet named Mr. Bill Bannister, in which he tried to justify the scam that his company is probably paying him quite well to keep under wraps.
I responded adequetly to each of his bogus statements, and to this date, I have not had a response from Wachovia or the OCC.
Upon reading all of these similiar complaints, it brought it all back home for me. This is sooooo wrong on sooooo many levels and I will now pick up where I left off with the OCC.
I keep hearing about a possible class action suit, which of course I would welcome, but in the meantime, I would reccommend writing letters to your states department of financial services, congressmen, state legislation and representatives.
There is a solution to this, and together we will find it.
I am in the proccess of refinancing and will soon be free from the evil clutches of Wachovia and Homeq, the next step will be to rebuild my credit that they have so easily destroyed.
To all of you who have gone through this same issue, know that you are not alone, we are all in this together. Stay strong and don't give up.
Now go get yourself a pen and a piece of paper and start writing.
U.S.A. Click here to read other Rip Off Reports on Wachovia Bank