Complaint Rating:

We filed bankruptcy in 2006 and it was discharged in 2007. When discharged, the house was not re-affirmed on, so that meant we could live in it as long as we made our payments. Well we got behind 5 months with no help from chase. We worked out a deal in thier minds with the threat of foreclosure. The deal was to pay 929.31 + an additional 326.00 for 12 months then resume our regular payment. In nov of 2008 i informed chase that the payment was going to be about a week late. They never said a word. I made the payment via Western Union, which was part of the aggreement, and had to make the follow-up call to give them the routing number. They informed me that they would not accept the payment and that foreclosure proceedings were starting. This would have been the 7th of the 12 payments. The following month, chase called wondering why i had'nt made a payment? I informed them they refused all payment and started foreclosure proceedings? They insisted I still had to make the payments even through the foreclosure process. Granted, I was born at night, just not last night! We have been living in this house since Nov. 2008 rent free! We have been through 7 reps so far and 2 complete submissions for loan modification because at chase the right hand does not know left hand is doing. We just submitted paperwork 01-2010 with no results and have made up our minds we are staying in the property until the sherrif comes to the door. I do not pretend I know how the world of big business is operating, but Jamie Damon ceo of chase had better hope that pile of paper money he is surrounding himself with can protect him from lead poisoning. It must be cheaper for the banks to just write off all the foreclosures, and hope we re-enter the market at some point? How will this happen when everyones' credit is destroyed with no hope of ever being a viable contributor to this financial system again. We for one are going all cash, pulling as far away from this credit system as possible. I realize people do not want to walk away from thier dream, but we have grown tired of chasing little pieces of worthless paper around to exist in this society. The second crash is coming and some of these bankers just may be exposed for what they are. When the American public as a group finally comes together, I hope I can be at the head of line when we storm thier castles.