I have been having trouble with my mortgage company Countrywide. Last year we fell behind in our mortgage payments due to illness and death in our family. We were set up on a special forbearance. It took forever to get it to lack of communication on Countrywide's part. I was always calling them leaving messages no one called us back. I ended up going to a branch office to talk face to face to a person. Once we got on the special forbearance we paid every month never missing a payment.
In June I received a letter and contacted them immediately. The negotiator Victoria Varulla told us we still owed and needed to pay back. She said someone would contact us about a payback program. I waited about a week and called them back. All I got was the run around.
Next thing, we got our June payment returned with a note that we were back in Foreclosure. I immediately called back Countrywide and got nowhere. I called a couple days later and after talking to 3 people the woman on the phone said we needed to pay back she gave me three different amounts.
Then I spoke with yet another person and was told someone would contact me soon. I waited three days and called them back. After talking again to several people I told them I needed a resolution, please don't transfer me to another person. Then she said they would try another loan modification she told me to call in 5 business days.
Then the mail started from their Attorney and another check sent back for July's payment. I got the same letter three times.
Yesterday I received another certified letter from the attorney with a sale date for my house September 13th.
I then called Countrywide again. I talked to 4 people before talking to someone who made half sense. She told me to call back in 2 days about my new loan modification. I faxed them my current earnings and they were suppose to send me a packet for the loan modification two weeks ago.
I am afraid they will drag this out until the sale date.
What can we do? I am disabled and so is my son. I have told them this.
What is my next step? I called the local Hud office they gave me consumer credit counsiling....