PNC Mortgage — stimulus modification loan nightmare
I hope this is reaching an executive at PNC MORTGAGE
If you look up our account number you will see our numerous attempts to pay the arrears on our home and we have done more than complied with this whole stimulus package nightmare.
We fell 2 payments behind after a lay off and economic downfall, we notified PNC of our situation. When we submitted the next months payment it was declined and sent back to us stating that PNC MORTGAGE does not accept partial payments. We called the day this letter was received to tell them of our position and that the 2 months in arrears would be paid up to date within the next 2 months. They said they do not accept partial payments again and now that we were 3 months behind we had no choice but to become a statistic of the never ending stimulus.
Please look closely into our account, we have called and called to try and communicate but it has been to no avail.
After our last denial for the stimulus(third attempt), PNC MORTGAGE offered and made payment arrangements with us, we stated that we needed two weeks because we had to pull funds from our 401K. They sent us our paperwork with the payment arrangements written out clearly on PNC PAPERWORK, we were told to sign and date and return with the funds. The day after receiving this paperwork, we received a letter dated a day later, after payment arrangements were made stating that we were in FORECLOSURE and to contact Cal-Western Foreclosure? Cal-Western could give us NO info. We immediately called PNC MORTGAGE and GAYNOW (the resp at PNC) stated that "THEY COULD NOT TAKE US ON OUR WORD FOR RETRIEVING MONEY FROM OUR 401K" so the process continued into foreclosure regardless of the arrangement made with them. Now we are in foreclosure and it does not matter that PNC MORTGAGE made payment arrangements with us? And to top it off we are now hit with more penalties added by Cal-Western!!
In following the payment plan agreed to with PNC we have now pulled funds from our 401k and lost money in penalties for early withdrawal of $3, 200.00 and then still PNC MORTGAGE will not accept the payment arrangement that they made with us? Due to pulling this amount from our 401K we had yet another penalty added in that we can NOT invest into again for 6 months! Thank you PNC!! I do believe you should reimburse us for our continued loss of $$ due to trying to deal with your company.
We pulled all money necessary which was $10, 888.89 needed to get our home out of arrears and PNC MORTGAGE DECLINED? Then turned around and assessed more money on us for a foreclosure company. More money that we do not have after depleting our 401k!
We are begging for some executive assistance and authority, customer service does not care and they do not convey messages to you when a homeowner has funds to pay the house up to date... CUSTOMER SERVICE DOES NOT CARE and they do not know that we have put a lot of money down on this house, its our home and our 3 boys home, they do not give us to a higher management personal when we ask.
PLEASE, help us. We sold our last home in Lake Elsinore California which was also mortgaged with you, to buy this house and create a better life in another state for ourselves and our children. Please, I am begging you- HELP US?