New Century Mortgage - Countrywide Mortgage Ripoff failure to process payment after receiving comfirmation # results in poss foreclosure Irvine California

july 05 I bought my home had the closing from h**l. Mortgage company was New Century. fast forward... mortgage is sold to Countrywide Mortgage. Jan 06 after a family emergency i found that my house payment was going to be late. I called Countrywide they were more than understanding when I explained what was going on. They said let's see if we can help. I was transfered to the workout dept who said that they could offer me a plan that would add $300.00 a month to my mortgage for 3 months but I would not have a payment due to feb 27, 2006. feb 27, I called to make an electronic payment ( as i do every month)first i was told that i was past due, I explained that i had an agreement with the workout dept, then i was put on hold . They came back & said that they found out i was right & did have an agreement tha was due on the 27th. I gave my bank account info & I was given a confermation # & told to write it down as proof of my payment. i was asked if i wanted my payment posted on the 27th I said yes. I wrote it in my checkbook & forgot about it till mar 27, 2006 when I called to make my 2 payment on the agreement. I was told that they couldn't accept the payment because i had failed to make the May payment. I said may??? this is March May comes after april, how could i be late he said huh?? then went to check on it . he came back & said that i failed to keep the terms of the contract & now was in forclosure. I said foreclosure??? what are you talking about??? they said that i never made Feb."s payment I sid what are you talking about I have a confermation # . They asked what the # was & then said it wasn't their #. I said don't you show that I called in on the 27th, they said that they did but didn't show a payment. I said pull my tape. when i call in it states that your conversation is being taped for training pppurposes. so I said pull it. & i was told they only use them for training. I told them that the truth was on the tape. he said that i should have checked with my bank the next day to see if it had cleared, I said i was told it had cleared electronically, & had the # to prove it .I ws told it didn't matter as it was now in foreclosure. I asked to speak to his supervisor, who was very nice & understanding, said she would prsy for me . I was told that i would hear from someone within the next week, to date no one has called. I told them that if they didn't take my payment on the 27th of march thaat i would be in violation. i asked what if i western union it to you ? I was told tha i would just be throwing my money away as it would not be posted to my account. the next day i came home from work to find that i had been served foreclosure papers from the sheriff. Tomorrow I have an appt with an atty. I have also talked to huh & was told to file charges with the state atty general s office. All i'm trying to do is keep my home. Its like someone on their end dosn't do what they were supposed to do & now i loose my home due o their incompentance!!!! I'm fighting mad, being a single mother is hard enough without being taken advantage of. this is not the first time a payment has been "lost" or mis applied once it was applied to another account, this was just after it was bought out.

Karen
Noblesville, Indiana
U.S.A.