EMC MORTGAGE STICK UP, FORCED INSURANCE IRVING Texas

EMC MORTGAGE IS A COMPANNY OUT TO GET PROPERTY FOR THEIR INVESTORS. I HAVE A MORTGAGE WITH EMC, BACK IN NOVEMBER OF 2006, THEY PUT FORCE INSURANCE ON MY PROPERTY, I ALREADY HAD INSURANCE.

I GOT A DIVORCE SO MY NAME CHANGE, MY INSURNACE NOW REFLECTED MY MADIAN NAMME. I MAILED AND FAX EMC MY DECLARATION PAGE OF MY INSURNACE ALONG WITH A COPY OF MY DIVORCE.

EMC CONTIUNE TO BILL ME FOR THEIR INSURANCE, I WAS TOLD THAT MY INSURANCE HAD TO SHOW MY MARRIAGE NAME DUE TO MY MORTGAGE WAS IN MY MARRIED NAME. AGAIN I FAXED THEM MY DIVORCE SHOWING THAT I COULD GO BACK TO USING MY MADIAN NAME. EMC CONTIUNE TO BILL ME FOR INSURANCE WHICH ALLOWED MY MORTGAGE TO SHOW A DELINQUENT STATUS.

I CALLED AND SPOKE WITH SERVERAL REP'S OF EMC TO NO AVAIL. I FINALLY REACHED THE EXECUTIVE APPEALS OFFICE OF EMMC AND SPOKE WITH A YOUNG LADY THAT WAS VERY HELPFUL. IT TOOK FROM NOVEMBER OF 2006 TO APRIL OF 2008 TO CORRECT THEIR WRONGFUL BILLING. MY LOAN WAS MODIFIED AND MY PAYMENT WAS REDUCE. THE NEXT PAYMENT THAT I HAD TO PAY WAS $1135.00 DUE JUNE OF 2008. HOWEVER I MADE THE PAYMENT IN MAY IN THE AMOUNT OF $1135.00. I CONTIUNE TO MAKE MY PAYMENTS IN THE AMOUNT OF $1135.00.

IN JULY OF 2008 I RECEIVED A STATEMENT SHOWING ME TWO MONTHS DELIQUENT I CALLED EMC, I WAS TOLD THAT THE MODIFICATION WASN'T COMPLETE, THAT IS WAS STILL BEING PROCESS.

IN SEPTEMBER OF 2008 I CALLED AND SPOKE WITH A PATRICE SHE INFORMED THAT MY PAYMENTS WAS IN A SUSPENCE ACCOUNT AND THAT SOMEONE FROM THE MODIFICATION DEPARTMENT WOULD BE GIVING ME A CALL.

I NEVER HEARD FROM EMC UNTIL NOVEMBER 13, 2008 WHEN I RECEIVED A SUMMONS OF MORTGAGE INFOMING ME THAT MY PROPERTY WAS IN FORECLOSURE. I CALLED EMC AND SPOKE WITH LISA SHE INFORMED THAT THEY CALLED ME ON NOVEMBER 6, AND 11, 2008 AND GOT MY ANSWERING MACHINE. I TOLD LISA THAT I DIDN'T RECEVIED A MESSAGE, LISA REPLIED THAT THEY DON'T LEAVE MESSAGES. SHE SUGGESTED THAT I COULD GIVE THEM $1200 DEPOSIT INCREASE MY MONTHLY PAYMENTS TO $1285.00 AND THIS MUST BE SENT BY WESTERN UNION FOR THE NEXT TWEVLE MONTHS.

I ASKED WHAT HAPPEN TO MY PAYMENTS, I WAS INFORMED THAT I DON'T HAVE ANY INSURANCE SO THAT THE PAYMENTS PAID FOR THE INSURANCE THAT EMC HAD PROVIDED. I INFORMED LISA THAT I HAD MY OWNN HOMW INSURANCE. NOW LOOK AT THE STICK UP KID. PLEASE PLEASE PLEASE HELP HELP HELP, HHHHHHHEEEEEELLLLLLLLLPPPPP!

Gloria
CHICAGO, Illinois
U.S.A.