[brenda]

I just want to say good luck with TCF BANK! I too have a loan similiar to the one you have (balloon) I have had nothing but trouble with this loan,I did not even have the loan papers, the loan papers were signed here at home and promised copies would be mailed, I had to hire an attorney to get on them just to get papers, thats when I saw the balloon on the end I surely do not remember that even being on the papers we signed. its been a battle with them ever since, I've tried to refi but we are told TCF loaned us more then the house/property is worth. the collection dept in Burr ridge are ruthless people, the first thing out their mouth is FORECLOSER. My husband whose 46 has dementia, we are now on fixed income with 4 kids, I called and asked to modifi our loan, that was in october 08, they still are jerking me around and now they know exactly what day my husband disability checks come so they go into the checking account and take the money(checking account is with TCF also) They claim we signed an "offset" allowing them to do this ??? I can go on and on, but I just wanted to let you know you are not alone with this bank. Godd Luck to you!