EMC Mortgage - Servicer For LaSalle Banks Out to ruin us- steal our home & distroy our lives Irving Texas

Our Origional mortgage was with Superior Bank. Next thing I know-LaSalle banks has it- but I recieve no billing info. We keep sending payments to Superior- as we know nothing else to do. Next thing we know- EMC is servicing the loan & start out by starting foreclosure procedings. Several payments lost now- have no choice but go into their forebearance program. Give them big money up front- make ballooned payments, while they try to find the lost money. They never did. (Hmmmmm) We made our payments as they required by the due date- but each month we get late notices.

6 months later- out of the blue- they start foreclosure AGAIN. They start to refuse our payments & we are forced once again to make another forebearance agreement. This time we understand that there is nearly $2,000 in legal fee's added on. We have no choice- as our crewdit was ruined. Give them big money up front again- & now are making double payments.

Insurance becomes an issue. They force us to purchase THEIR insurance- yet no policy is given to us. Then next thing we know- Our taxes are being paid by them- a year in advance- so that they can charge us 13.67% interest on that as well. Still late notices are being sent each & every month, in spite of payments being western Unioned to them 2 weeks in advance. They started adding on "inspection fee's" Nobody ever came & inspected out home.

Out of the blue- once again- in spite of payments being made prior to the due date- last March- they filed foreclosure proceding once again- with the legal fee's & inspection fee's all over again. We tried to refinance with other companies. Not a chance. EMC reported that we were late every month. Nobody would touch us. So once again- we agree to their forebearance agreement. $6,000 in advance & more than double payments each month.

In the last 3 years we have paid them more than $45,000--- for a $60,000 mortgage. The worst part is that our owed amount is now more than 10,000 more than than the origional loan.

This summer- I got fed up & started calling them every month complaining about getting late notices- when I had proof that the payment was western unioned to them long before the due date. Each & every time they had a different story & assured me that the payment has been made & that all is fine. Until last month- when we read in the paper that they have started foreclosure procedings against us again- & that the sale date is less than 1 month away. NO notice from them- whatsoever. It's obvious to me that they now have given up on making me broke & just want the house & plan to steal it out from under me.

I have tried once again to get refinancing. Only to be informed that this is impossible- as they have my credit listed as being in foreclosure procedings 6 times in the last 2 years. WRONG. 2 times & both were unfair. They have each payment as being 1 month late. Wrong again.

They have tried to ruin us. Our car insurance has been cancelled by our insurance company for a bad credit rating & I have been turned down 5 times by different companies. Now the state is going to suspend our plates- as we have no proof of insurance. I have tried lawyers-- but nothing has come out of it. Oh & Health insurance?? Forget it! & I have an epileptic daughter!!!

Has ANYBODY been able to settle a forebearance agreement with this company??

Cheryl
Libertyville, Illinois
U.S.A.