We are attempting to make a HARDSHIP withdrawal from my husband's 401(k) to catch up on 2 months of late mortgage payments. In order to do so we must have a BREECH letter from First Franklin. My husband requested this letter on 11/30 and was told it would go out on 12/1. On 12/5 I spoke with Maria at FF and was told it was sent on 12/1. On 12/6, still not letter, so I spoke with Isabell at FF and was told the letter was sent to us on 12/1. By 12/10 we still had not received the breech letter so I spoke with Kris at FF who said the letter was sent on 12/5, not 12/1.
Here we are, it's 12/12, and Paul at FF tells me, "There is probably a delay because of the holiday". What holiday? Thanksgiving? That was 3 weeks ago!! I called again a few minutes later and Jamie at FF just told me the letter has NOT been sent because there is "a problem with the system" so breech letters have not been sent. A PROBLEM WITH THE SYSTEM!!!???? If I don't have that letter we can not make the HARDSHIP withdrawal and we go into foreclosure by 12/31. I explained this to every freakin' person I've spoken with at FF. Why tell me they've done something when they have NOT! We are trying to make this payment and can't do it without that damn letter!!!! There is an expiration date of 12/26 on this 401(k) application for withdrawal too.......TIME IS OF THE ESSENCE!!!!
I've gotten the same questions from every person at FF......Are taxes and insurance current? Are you living in the home? Is the condition, fair, good or excellent? Why did you get behind on your payments? Blah...blah...blah!!!!
JUST SEND ME THAT FREAKIN' LETTER SO I CAN MAKE THE PAYMENTS AND NOT HAVE TO BE MADE TO FEEL LIKE A LOW-LIFE BECAUSE WE GOT SCREWED BLUE ON THIS PREDATORY LOAN AND LIVE IN A PART OF THE COUNTRY THAT IS HEMORRHAGING!!!!!!!!!!!!!!!
Please, someone.....outsource ME to India so I can work and pay MY bills!!!!