Here's the situation...
My partner lost her job back in September of 2007. She called
CW the very next day and told them. They reassured us it was no problem, we will work it out. She kept continuous phone calls with them, updating them all the way until November when she got a new job. We asked what payment agreement we could work out. They said, "SOMEONE WILL GET BACK TO YOU".
No one did.
January of 2008, we started getting the foreclosure warning letters. We called and called, and kept having to leave messages. Febuary of 2008, we got so pissed off because we were ready to make payments, but they kept giving us the blowoff. They told us they could not take any payments from us, we were in the "workout dept" phase. Well, I called anyway and made a payment through their regular number. The guy seemed pissed but took the payment anyway. I think that is what saved us. Again they never called us. I did some research and called the HUD. Told them our situation and they said they would contact
CW. AN HOUR LATER, we got a phone call from
CW. They offered us a forebearance agreement, which we agreed upon.
NOW, we had to make three payments. May, June and July. We paid through western union and all three payments, we got a letter back from
CW stating they received it. After the last payment, we were told we would have satisified the forebearance agreement, and would continue going on paying our regular payments.
CW called us once a month and asked us to fax them our recent paystubs and bank account info. All three times, we obliged, doing so the very next day.
We received a phone call from them AFTER THE THIRD PAYMENT WAS RECEIVED telling us that they cancelled our forebearance agreement and now we have to pay the back payments ($6,000). They said they did not receive our faxes. (liars) The lady who we were working with (Stephanie Kelly) no longer works for Countrywide and the new lady is too busy to return our calls.
We have no record of the faxes since it was faxed from our job. It did say, "Fax completed to Countrywide" so I know they did get it. I honestly think they are trying to pull a fast one on us.
We have to send them the money by Friday. I'm so pissed, I could scream.
Right now, I know we can't do much of anything. My partner is unemployed once again however, she is getting a loan approved this week to open up her own business. If
CW wants proof of employment right now, we're screwed.
We *might* have the $6,000 by Thursday, but we are not sure.
I just dont know what to do.
Any help would greatly be appreciated!!
To sum this post up, we did a forebearance, paid all payments on time, everytime but they cancelled it because they said we did not fax the paperwork the last time. (we did)
Thanks.
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