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CitiFinancial / Lied to

1 1111 NORTHPOINT DRIVE BUILDING 4 SUITE 100 COPPELL TX 75019Coppell, TX, United States Review updated:

We got behind on our rental mortgage, due to my husbands illness. We always dealt with mike from citifinancial at point plaza, butler, pa. And he was always nice, and worked with us to get current. Things had gotten really bad, my husband was ill with pneumonia (has emphysema) and couldn't work for 6 mos. We received a foreclosure notice in the mail, and we were turned over to another branch of citifinancial, and barbara enna was the person who worked with us. We talked to her, and she told us that if we agreed to a short sale, that would stop a foreclosure proceeding. We obtained a realtor, and signed an agreement for a short sale. About a week later our realtor could not get hold of barbara enna, and called us. After being put on hold, and left there countless times, we finally got thru to barbara enna, but when we asked her why we were still getting foreclosure notices, she said "well your being foreclosed on". We reminded her of our previous call where she said a short sale will stop foreclosure, and believe it or not she told us to forget that, because she really didn't have the authority to tell us that in the first place. She works in the loss mitigation dept. For citifinancial, and just exactly why did she tell us that if she doesn't have the authority to ??? Ok, so a few days pass and we get a legal notice from phelan hallinan & schmeig llp, that we are being sued in a civil action mortgage foreclosure suit. So back to barbara enna we go. Now she tells us we are to come up with $1100.00 by oct.26, and that will stop foreclose, but we are to agree to redo our remaining 12 year mortgage for 30 yrs. Not good. We finally have obtained a good lawyer who is going to look into all of this for us. But what the heck kind of a business is citifinancial who hires people like barbara enna who plays with foreclosure as if it were a joke?? This is serious, why tell us something that's not true, or you don't have the "authority " to say. Why aren't we talking to the party who has the authority to tell us what we really needed to do to stop this mess??? Citifinancial what gives??? Jerk the little guys around by their noses. Oh, and our $57000.00 mortgage has turned into a $65000.00 lawsuit. Thanks citifinancial. Does the word crook mean anything to you people? Oh I better be careful... I didn't have the authority to say that...

Ma
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Comments

Va
  20th of Aug, 2009
Agree Disagree 0 Votes

Maybe you should have paid your mortgage as agreed or sold your home if you could no longer afford it. The mortgage only gets sent to loss mitigation after the customer is over 60 days behind and is actually refusing to work with the employees at the branch level. Every bank will eventually foreclose if you go months without paying them. And stretching out your term was an effort to lower your payment so you could pay as agreed and avoid foreclosure.

Why do people think that banks should write checks to them for thousands and thousands of dollars and they shouldn't have to make their payments when they are due? Would you loan money to someone and then tell them they don't have to pay you back until they feel like it?

Also, fair reader, the only way this persons daughter would get a foreclosure notice is if she was listed as an owner of record on the deed. Legally, ALL owners have to be notified of a foreclosure proceeding. Citifinancial did nothing wrong.

And yes, if you are not paying your mortgage, the only way to avoid foreclosure is to sell your house.

Bo
  20th of Oct, 2009
Agree Disagree 0 Votes

Way to try and mitigate the damage. ALL your postings are on CitiFinancial related complaints there Valarie0712

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