Chase Home Finance LLC Complaint - They Want to Take My Home.... again
COLUMBUS, OHIO -- This story goes back to 2008 when my husband developed throat cancer. He had to stop working and undergo a laryngectomy in May 2008, which means he lost his voice. Well, I am also disabled (malformed hips and knees and unable to work since 2005), so we had NO money coming in until he started to receive his SSI. This means that the mortgage fell behind. I tried to talk with Chase Home Finance LLC, but they would not speak to me because my name wasn't on the mortgage- only my husband's. I tried to explain to them that he has no voice so cannot speak and I had his power of attorney... but they would not listen. They refused to take any payments (partial or otherwise)because my name was not on the loan. I had to wait for my husband to become coherent enough to sign a paper saying that I could speak for him, but the bank would not acknowledge the paper or the power of attorney. They would call our home to talk to my husband, but when I answered the phone, they hung up- refusing to speak with me. Needless to say, the bank foreclosed on our house and we were forced to move out of our home in November 2008.
Fast forward 5 months-- we were living in a rental and had seen the house go up for police auction three times and then get pulled. In March of 2009 Chase contacts me and says that since the mortgage is Fannie Mae backed, they have to work with us and offered us our house back. We accepted. Their staff person (name available on request) worked with us and dropped our payment 34.00 each month and we were able to move back into our home in April 2009. We were told to make the new payment for three months (May, June, July) and they would re-negotiate our mortgage. We did this via money order. We received paperwork stating that our forbearance has ended, but no new paperwork on new terms. That was in December of 2009. So we continued to make the payments we had been making. Add to this that the bank lost our paperwork FOUR TIMES as we have tried to get our new terms established, and this has been quite a challenge.
The bank HAS contacted us in 2010. In February, they have called to speak to my husband, but when I told them that he cannot speak due to the laryngectomy and I informed them that I was his wife and had power of attorney to speak for him, they started hanging up on us again (like they did before). February 22, 2010, at 4:29 PM they called and I answered and they hung up on me (AGAIN). I immediately called my local branch office that has been helping me so I could get this matter resolved. It was when the staff person called them directly that she found out that they needed MORE PAPERWORK... the same paperwork that we had re-sent FOUR TIMES!!! This was at 5:02PM when I found this out. At 5:26 PM of the same day, a staff person ... but now they say that we make too much money (1296.00 a month for 2 people) to benefit from any government assistance mortgage programs, but not enough to make increased payments. They had originally said that any past due would be added to the end, but now they won't honor that....
The government gave JP Morgan Chase and Fannie Mae all this stimulus money to keep people in their homes-- but why is it now that I am being told that I may not be able to keep my home? How can one of the main financial institutions get away with changing the rules of the game and losing important paperwork FOUR TIMES? How can two disabled people be treated as if they lived in a third world country? Who was the home assistance program created for?
How can Chase Home Finance LLC think they are above everyone else???? HELP!!!