Foreclosure Filed while on payment agreement

[Mark FL]

I received a notice of foreclosure 7/7/09. I live in a county of Florida that has the new mandatory mediation between lender and homeowner. The foreclosure notice claims no payment since October 2008. I have in fact been on a modified payment schedule with them. First they suspended payments for 4 month then a modified payment of 1715.44 for several months then most recent modification of 2000.00 per month. My contact at CITI was Mrs.Sharon Balden M.S. phone # 1-866-713-4784 ext 15301 not only was I making the payments but I was sending in extra ! May 2009 I sent 2500.00 and June 2009 payment I sent 3500.00 They filed foreclosure a week later ? All payments were certified bank funds mailed to Ms. Baldens attention 1000 Technology Dr. O'fallon MO 63368-2240 The document the filed claim no payment since 10/08 They also say they don't have my original loan docs. They had their lawyer send me a workable solutions packet but that's what I filled out to be on the modified payment I was on at the time they foreclosed ?!?! I think first I need them to send me a complete record of all funds received , fees over life of loan. The people I've dealt with have seemed courteous and professional I have to believe its a case of poor flow of information between depts. But I need to get off this mouse wheel. If my loan could be lowered by 1or 1/12 percent, the arrearage moved around I could be current. I feel caught up in the machine. I wonder if Moe can figure this one out, our mediation is ordered to have a representative of CITI with AUTHORITY to act its scheduled August 12, 2009 (they appointed Robin Syder) does any one have any experience with her or this process ? thanks Mark FL

[Moe Bedard]

Hi Mark, sorry to hear about this and I understand that it can be frustrating. Why don't you email me your full name, loan #, address and contact info and I''l fwd it to the executive contacts I have. I cant guarantee anything, but I'll definitely try.

My email is Moe at loansafe.org

[Mark FL]

Thanks so much for your response and site ! Let me add this also interesting bit, Citi foreclosure filing includes a request for judge to reestablish lost note. Yes you hear a lot of that. But they filed with only the first bank who owned my loan endorsement/assignment to the second bank. That's it , there is NOTHING filed showing any transaction between second bank and them (third) bank. The only place CITI's name is found is on front page as plaintiff.

[seaswing]

Mark:

I am also in FL and also just starting foreclosure. And..... my documents say the same thing! so who really owns our home?

Seas

[Moe Bedard]

No problemo Mark

I received your email and have forwarded it to my Citi contact who already responded and is on top of it. Citi maybe just servicing the loan or they bought the loan from the previous servicer.

[flokman]

i with you mark fl , started a forbearance with citi Oct 2008, 10,000 down and 2,000 a month for 8 months,2/12/2009 received home in foreclosure notice ,4/13/2009 come home from work find 3 day to quit ,they sold it.they claim i havent sent any payments since 10/20/2008 i have faxed over to them twice my copies of paymrnt ,they have not answered me on matter . they recinded the foreclousre sale. i have had to fight 2 unlawful detainers at 5,000 each ,the bank still hasent change title back , waiting for approvel for mod , its has been complete chaos ,i wouldnt wish this on anyone

[Mark FL]

Flokman your situation sounds tense. I wish you luck and quick resolution. In the past I've just accepted CITIS arrearage figures, payed up scratching my head at the totals provided. But this time I want complete accounting record. (my payments their fees) I haven't heard from anyone other than their Lawyer as of yet. ( and Moe which I appreciate greatly) The newly ordered mediation process in Florida has had some positive results, and as I've said before we have dealt with some very nice people in the past. It is my belief that CITI is SO BIG its a poor flow of information between departments. But that doesn't help when you fall thru cracks. Best of luck

[mel239]

flocman-coming up with 10 grand is just ludicrous!citi is bleeding people for everything

[SillyWorld]

Originally Posted by mel239

flocman-coming up with 10 grand is just ludicrous!citi is bleeding people for everything

Thats Citi for ya, they cheat and steal, then forclose and peeps wonder why I refused there MOD deal...Hahahah they wanted me to do a balloon payment at tyhe end of there MOD...Jeez an whiz... I think Citi thionks we all have $$$$$ under the matress