U.S. Bank Home Mortgage trying to forclose Owensboro, Kentucky

Good afternoon,


I am searching for some help from who ever I can find that is willing or able to help me. I missed a house payment 
because of an awful devorce back in 2010, I then applied for the HAMP. US Bank charged me $612.00  to begin this
 process then denied me. So I applied for the chance to refinance, I got behind again, so they made me send 
money grams, which cost me much more to send. Then I learned they have money of mine on hold, so it never 
made it toward my house payment. This monthI send money gram, and US Bank rejected it, and sent it into 
forclosure on the 21st.My payment was sent money gram on the 16th. I am searching for help and US Bank 
should not be able to do this, I have struggled for 2 years to make these payments, they tell me how to do it so I
 do and then they denied the payment. They expect me to produce bank statements for my rent checks that I 
recieve but I get them as money orders and there is no record of these deposits because I must take cash to 
Walmart 20 miles one way from home and pay an extra $10.00  for each payment to send to them.
Please give me some direction, If they cannot help me after 2 years of working with them, I want a class action 
suit and  I will include many others they have done things like this to.
Thank you  


Letter of hardship


My husband got laid off dec of 07 and began drinking.
He lost his drivers licence because of 6 DWI's.
He still has not returned to work as of today, 8-25-2012.
He was ordered to pay the childrens insurance in the devorce
proceedings that occurred in Oct of 2007, that never occurred.


I lost my Dad and sister just prior to the above.
I relocated to northern Mn to assist my Mother, Her husband and my Uncle. March 23rd 2010 I was laid off from 
MDH-my job with the State of MN.I began collecting unemployment benefits on 4-10-2011. I paid insurance of 
$498.00 every month just for me, not my children. In April 2010 I had foot surgery. In September 2010, I had oral 
surgery, that cost  $3600.00. I have 2 children, ages when we began this process of refinance or remodification, 
Hamp was 9 and 14. Now 11 and 16, Authorized J to take $300.00 out of a charge card
to begin the process of the HAMP remodification program. She assured me that being on unemployment was ok.
Then she called and said I was denied. Later when I recieved my charge card statement there was $612.00 charged 
to me. Her phone # is 1-866- fax was 1-270-and A. I have tried to figure out how this happened, Then when I called her, she said the money was 
for the time and paper work, and yet I learned, I should not have been charged, especially twice for one process.
No-one at US Bank is able to help me, Not even my manager Brettany Glass. I have notified her of the at least 
3 times,but have not recieved any response to this issue. So on top of attempting to continue to pay my morgage
they have taken 2 years of time to get the most money they can out of me insted of attempting to lower the
payment so I can keep the home.And they have suspended $3506.93, of my money and I do not know why,
but they can then count that mismanagement of money to count me just 1 more month late. So I do have 
outstanding bills I am attempting to pay. I was hired part time now, approximetly 24-30 hours every week. I 
would be willing to do just about anything to keep the home as my last 2 years of asking for help proves. I have
faxed packages on 5-11, 8-11, 9-11, 10-11,1-12, 6-12, and 8-12, and these are just some of the ones I have found. 
Here are some facts, on July 22, 2011, I recieved a package to fill out  and on August 1, 2011,
I faxed them to K and Aug 22, 2011, I called E and she said they no 
longer do the HAMP. On May 11, I tried a loan modification 1- I faxed the paper work to 
1-270-689-7977 and agreed to pay $300.00, for the Refinance option with Janine Fitzpatrick with US Bank.
When she said I did not qualify, even after she told me it was ok I was on unemployment. So, I called 
 C, around 8-22-11, then on 9-23-2011 I called t and
 he transfered me to loss midigation. I spoke to D and faxed info to him at 1-. On 10-19-11,
I spoke to B and informed him I received the package. Then I recieved a letter with case
 On 10-28-2011 3pm I called B and left 
a message, I left 3 messages and called B back and told him to get a message to her. She did finally call 
me back. I faxed info to S 9-23-11. I continue to recieve packages to fill out and they placed some of 
my money on hold. They have not applied the money to my proper house loans for what ever reason. And they 
want money orders so I send them and then they reject them. Now they want me to pay an attorney. And 
Ultimately what I was after is to lower my rate, so I could pay the payments and I have been struggling for 2 years
to pay these, and that is unacceptable to me. I think they want me to forclose, but they will not get their money 
back, because of the market. I am willing to keep trying and they are not working with me very well. Why would 
they lower the rate or remodify, they would get less, it would not be financially prudent. But I do know they would
not be able to get the amount owed because of the real estate market. I need to find some help from someone,
I want to keep my home. I need some direction from anyone who could provide me. I do not have any rich 
relatives. Thank you, V S 8-21-12.