Went through a divorce. Called Beneficial as soon as my husband left & told them I couldn't afford the payment with just my income. I told them I needed to get my loan refinanced so I could afford the payments, that I wanted to keep my house. They said there was nothing they could do.
I called several times to try & get them to redo something so I wouldn't loose my home.
Finally they said we can redo it but it would only lower my payment $10. My payment is $743.00 a month. I'm trying to raise my 3 kids with no child support & pay for lights & necessities we need, $10 was not going to help me. I'm even trying to work two jobs & I still barely make it.
I have called & left messages for someone to call me between certain times but noone ever returned my calls. And everytime I tried calling someone to speak with I always got a voice mail saying leave a message & I will call you back. But NOONE ever did.
I also wrote them a letter trying to get in contact with them to see if they would please look at my loan & redo something so that I could afford to keep my house. I still had no response from them until I received papers from an attorney (Mapother & Mapother) taking me to court because Beneficial wants to sell the house.
I went to court & spoke in front of the judge & with the attorney. The attorney said he would go back & see what they say. That was a month ago & I have yet to receive a response from the attorney or from Beneficial.
Before I got behind too bad I had my mother call them to see if they would give me until tax time to catch the payment up. It was only behind about $2,500 & tax time was about 2 months away. I could have cought it up, which it would only have been a temporary fix. I still couldn't afford $743 a month. They still wouldn't call me back to say that would be okay.
It's not like I wasn't wanting to pay them. I just can't afford the loan payment with only my income in the household.
I've never seen anyone so unwilling to try & work with you or to help you in a very bad time. It's not like anyone would ask to be put in that situation. But sometimes things happen that are beyond your control & you can't do anything about it if noone will work with you on the matter.