readerwritercommenter... at the time I bought my house ... I did not bite off more than I could chew. I have never had a "keeping up with the Jones" complex... I just wanted a decent unassuming place to keep me safe and dry. My house was 49, 000 with payments of 374.00... which I could MORE than afford... I even knew that it would go up to just a few dollars over 500.00 in a few years... which I still could have afforded with no problem. What I did not know and had no way to for see was that at 46 years old I would have a heart attack and be diagnosed with congestive heart failure and a few other problems. With my given health problems it made it a little tougher to make my house payments but I was still managing with never a late payment.. I WAS dedicated to pay back what I promised I would. At the end of last year FF decided that they needed to pay the taxed that I have already paid and up my house payment to more than 2.5x what it was because they are charge me for the year they supposedly paid and in anticipation of the next year. When I spoke with a rep and told them these taxes had already been paid... I was told there was nothing that could be done till it was reviewed again... When I told them I would sent just the payment ... I was told they would not accept anything less than what they thought I owed... so for a almost a year now I have been stretching beyond what I could afford to meet their 2.5x increase. Although I can no longer say I have never been late. But until this month I have never gone beyond 30 days... This month I will laps over the 30 day mark... which means I will have 2 payments due simply because their website will not accept a weekend payment and their phone payment is not allowing me to make a payment either... come Monday they will not accept a single payment they will want both payments... which is completely beyond me. My house will be headed to the foreclosure process and there is not a dang thing I can do about it. With my conditions and situation... there is no way I will qualify for mod or refi and I sure can't afford a lawyer... and all of this because they wanted more money that they were not owed. Because the FACT is I could have continued to make my normal house payment if they had not decided to play a numbers game... so I believe all these opinions because I am living in the same nightmare they are...my only advantage is that I am not emotionally attached to this house.
And the really sad part is that if I could have just made it another month or two they would have hopefully had to released the escrow that I have been paying into this past year... now they will retain it...that is not "good business" that is lone sharking under the guise of business!
