My husband and I have been trying to get a loan Modification for over a year. Wachovia gave us a code and said that it went through, only to find out they denied us a week later. When we faxed everything they asked then they would call and say they never got the faxes. We went to another place and they helped us and actually went out of their way, Wachovia seemed to agree to do it and then they told the company no. If someone calls or sends a letter in the mail and tell you that they can help you but it will cost money, don't do it. It is against the Law to do that and I cannot tell you how many letters and phone calls we have got from them. Losing your home is not pleasant and very upsetting. I was injured on the job in August this year and I am Workers comp. They don't pay crap and so I couldn't pay my share so my husband had to do it. We were a couple hundred short on the House Payment because we had to pay the Utilities, and other bills like my car payment. Wachovia would not accept the payment. Needless to say we are in a short sale right now and it is scary as hell. My husband is a incredible talented man and his work is hand crafted and he doesn't do short cuts but that has changed dramatically. Even though I am real sad I have to keep it together because it isn't worth getting worked up when you cannot do anything about the situation. Then you have these crooked companies telling you that they can stop the Foreclosure and you can live in the house for up to 36 months without paying a dime. We are not trying to get over the Bank, we don't want to lose our home and we will not just walk away from our home because it is worse if you do that. Remember don't pay a dime to a company if they tell you it will cost money, this one that called today wanted almost 1,000.00 dollars up front and that is illegal. Most loan modifications are not going through it is a very small percentage that is able to get that. When Wachovia told us they would lower our payment they raised it another 1,300.00 more which was 3,400.00 and they called our home owner Insurance without notifying my husband and paid it through the whole year charging us 1,900.00 and paid our Property Taxes. We didn't have a problem with paying our property taxes what so ever or our home owners insurance, so what gave them the right to do what they did? Stay clear from Wachovia they are crooks to the hilt and they were one of the banks that got some stimulus money from Us.
Login below to reply: