PNC Mortgage / class action lawsuit anyone?
Pekin, IL (Near Peoria)
I can't find an attorney in my locale that can help me. I need to "go after" PNC Mortgage Company. I've saved a 2-hr. phone call & MANY letters.I've been trying to get answers to where my money went for OVER A YEAR! I was enrolled in the HAMP program WITHOUT MY CONSENT. I've made my regular payments ON TIME EVERY TIME. One PNC dept. told me I was 30 or more days late Sept. Oct. Nov. & Dec. of 2009. THIS IS NOT SO, nor does it reflect on my credit report. I did get behind in my escrow account because in Sept. 2009 I switched Ins. co. to State Farm. I received a refund check from my prior co. MetLife & I spent it. When I realized PNC had already paid MetLife, I immediately paid $300 of it back to my escrow. WHICH THEY ARE NOW TELLING ME WAS PAID TO TO A 3RD PARTY...BUT THEY CAN'T TELL ME FOR WHAT OR WHO OR WHY...I HAVE THIS RECORDED! I should have only been behind on my escrow $700 to no more than $1000. My house payment went up about $130 during that time. Now with the most recent escrow statement, the payment has gone down only $50. One guy at PNC told me he can see a payment I made last year just sitting in the "OTHER" column not applied anywhere. WHY IS THAT?! There have been odd amounts of money bounced around here & there that I don't understand at all. I am tired of telling this story over & over & not getting anywhere. When I last called to speak to someone about the HARP program, I was told I didn't qualify because I didn't have an FHA loan...but I have a Fannie Mae loan! He also said it didn't matter anyway because I wouldn't qualify because of the late payments that are showing in their system. I WANT ALL OF MY QUESTIONS & STATEMENTS ADDRESSED BY THEM. In 2009 I was on unemployment nearly all year & needed help from them then. They suggested the HAMP program, but I DECLINED it & SIGNED NOTHING because the "fine print" said this would reflect negatively on my credit report. THEY HAD NO RIGHT TO ENROLL ME ANYWAY! My house payment is so high now & I WANT answers & refinanced. I need an attorney because I'm not getting anywhere with PNC other than the runaround and transferred back & forth to different people who, in the end, cannot help me. I've been a nervous wreck. Every time I call them I spring an instant migraine. Last year I paid nearly $7, 000 in interest. This year as of now, it's saying over $8k thus far...My loan is now over 4 yr. old. 30 yr. fixed, $98, 000 orig. 7.5% Conventional w/ $78 PMI...Escrow: taxes around $1900/yr. & Insurance around $1, 000/yr...ADVICE??? send to: feebum at gmail dot com
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