I am trying to find other people being ripped off by National City Mortgage. My husband and I have been getting jerked around for the past year.
The jest of our story is that we got one payment behind due to a medical issue with our daughter. Since they couldn't accept any other than the FULL amt due, we had to wait four months, making no payments, for them to twiddle their thumbs and come up with a "repayment plan."
One payment, by the time they came up with the numbers, was almost five months. We had contacted the veterans affairs office EARLY in the process - because my husband is one of probably thousands of veterans to be victimized by National City - and they had laid out a plan and were waiting for confirmation it had been received by the lender.
Being the dysfunctional bunch of pee brains they are, the lender started the process over. Long story short, we've been on two "forebearance" plans and paid our mortgage monthly for the past year but no payments are showing as payments since we now have to pay a $3,000 attorney fee that the V.A. confirmed with national city that we would NOT have to pay.
Last month, the renewal for yet another forbearance plan said send $1060 to an attorney by August 15. We did. They got it at 9am. We even paid $10 extra to UPS to send the check by morning of Aug15 instead of early afternoon. Didn't want to take any chances.
Since the attorney didn't send the payment until the 21st, (they don't know when they got it, gee golly!) and even tho we have a UPS receipt, they're starting a new game of "lets-***-the-customer" and now they say we might face foreclosure unless the VA intervenes and someone validates the fact we kept the agreement they laid out. WTF??
Its been a nightmare. Because of ONE payment, we're now in a big mess, likely with our credit trashed because of their bad record keeping and the constant changes in agreements made... we're just along for the ride but we're VERY close to telling them to shove this house where the sun doesn't shine.
All we want is to make our payment and it seems like that's impossible.
We're close to seeing a payment increase with the adjustable rate we got offered so I would imagine that's the next big surprise - doubling of our payment.
We very much want to get away from National City and would like a fixed rate but they've trashed our credit by taking us through this process-someone-to-death cat and mouse game. One payment behind and now our credit reflects 7 months delinquint. WHy? Because payments made in "foreberance" don't post to the account. It gets put in a holding account.
The system is set up to prevent people from keeping their houses and no one cares enough to stop them. If anyone else is having similar issues, email me at dob522 @ charter . net