I obtained a loan with Associates mortgage in 2000 for 89,000. Associates' reported that they did not receive my first payment. I argued the point to no avail and resent the payment against my better judgement. I did so because I had sent a check and at the time could not produce my a receipt. I gave the second payment by check by phone. I requested a payment history several times over the course of this loan, then finally I received a complete hsitory showing the orignal payemnt was received and posted to interest only.
Associates sold my loan to Citifinaical in 2001. In 2002 Citifiancial stated I was in default by 2 payments, again I argued this point thru documentation to no avail, I agreed to a deferrment which was accepted to bring the loan current and prevent foreclosure. Citifinacial then demanded the two payments upfront or face foreclosure again...I paid the 2 payements and proceeded to refinance this property. Citifinacial reported on my credit report that I had been >90 days late and sent me a payoff quote showing that I owed 4 deferred payemnts on top of this loan, thus reducing my loan to value ratio and preventing me from refinancing this property.
In 2003, I took ill and was behind 1 payment Citifinacial again offered a deferrement which I took but it was noted for 2 payemnts. In 2004 Citifinacial stated I was again in default 2 payments, although I argued this point I knew it was useless agreed to another deferrment of 2 payments and proceeded immediately to a Chapter 13 protection. I reaffirmed my loan in chapter 13, converted to a chapter 7 after 18mths, Citifinacial then proceeded to petition the Bankruptcy Court with false and erroneous information stated that they had not received a payemnt from me since July 2005.
I went into a court action in the lower courts in 2006 and lost summary judgement because I represented myself and the judge did not review any documentation presented by me to the courts. Please note Citifinacial never denied my allegations against them. I filed a formal report with the Federal Trade Commission and the Attorney Generals Office in the State of Indiana. A investigation was opened by the AGO and Citifinancial was suponened but has failed to respond it has been 11 months as yet.
My home was sold and rebought by Citigroup for 52,000.00 in December of 2006. I maintain possession of this property to date. I obtained legal representation and filed appeal with the Indiana Appeals court which agreed to hear this case. Citifinacial has yet to respond.