We have had 21st as our mortgage holder for 3 years now and the first year was perfect until we got a little behind. We realized we were going to have to be late and called them a month early and asked about one (only) time payment deferral, they said they didn't do that. We said fine we'd be late then. From then on it has been a horror show! So letting them know ahead of time is pointless because they don't make agreements or arrangements of any sort. We even attempted to work with a loan restructuring program and they told us that under no terms would they work with any federal or state entity that if we weren't "losers" we would pay up! They have been demeaning to myself and my husband, they have lied to both their lawyers and the court systems about how late we were in order to file foreclosure on us on more than one occasion. The first time we were barely 3 months behind but they filed that we were 7 months behind. then we were 2 months behind and they said we were 5 months behind to the court. If you or I were to lie to the court system so flagrantly we would be charged with perjury yet they just powering on through like its another day! We even tried communicating with these people via email to avoid the demeaning verbal abuse but of course I'm sure they don't want to put anything in writing because we never get a response. If we could refinance we would but our financial situation isn't where it needs to do so in this economy. Something needs to be done about these nasty people!
