I have some questions I hope someone can help me with. I have been trying to contact my company since Feb. 2002. We got behind on payments. They asked us to send income and asset verification we did this. Have not heard from them inspite of our repeated calling. Once they told my husband they got the papers and no one had looked at them and the person he needed to talk to was on vacation and no supervisors were available. The credit dept. left a number on my machine to call. Not a number I could get through on. Seemed to be a pager number or something. Finally I located a number to call. The lady said she did not know that number I was given but the ext. no. was right. She hooked me up. I got a voice mail. Left my message and he did not call back. I called again. YEAH I reached a person!!! He said he sees where we had sent in the papers but what I had to say about Feb. was irrelavant to the situation. I insisted it was because their office had made no attempt to follow up on the income statement. Now they want to forclose. Has any one had a bout with First National Acceptance Company out of East Lansing, Michigan???Help!!!! Thanks
Why did they want income and asset disclosure? Was it so they could determine whether or not you could BK7 on them? Jerks! Dancer
We were under the assumption it was to renegotiate the payments to make them more affordable. Maybe not I did not think of the other thing you mentioned!!!
I'm missing something here. Why didn't you call the mortgage company when you first started to fall behind. You can't just quit paying a mortgage and expect to smooth things over after the fact. They may have been willing to put a payment or 2 on the backend of the loan. Now you are going to have to make up the arrears and pay legal fees to stave off a foreclosure. Gib
It sounds like he/she did. That's what the income verification and whatever else they needed to fill out and send back was done back in February. Sometimes a mortgage company allows a customer who is 1-3 months behind to enter into a forberance plan or modification to save the house from being forclosed on. BTW, a mortgage company will usually go 4-6 months before even initiating foreclosure procedures. Thats also why I asked if they were dealing with Fifth Third Bank (even though when I re-read the original post I see it was a different bank) because we've had to deal with them ever since they bought out the previous bank that had our loan (essentially merging the banks), and they've been difficult to deal with as well. i.e. claiming they never received a payment when I had the proof in black and white that they not only received it, they had also cashed it. Lets see, they also left the "old" original mortgage loan as "open" on my gf's credit, and opened up another loan, same exact dollar amount, thus giving the appearance that she has two realestate loans open that the same exact amount.
