In 2009 I applied through CitiMortgage then new HAMP (five times!) but always being turned down. After a few frustrating calls, I cited that I was a very good customer (never late or default on our mortgage monthly payments since 2002) and only to get BIG surprised, same answers that my diligence in paying monthly mortgages WAS the culprit why my previous HAMP applications were ignored! I explained to Citi that I had legitimate reasons to get approved for HAMP because I am disabled from work (still now for 5 years) and my wife lost her job since early 2008 (still does); our only household income is from my SS Disability benefits which is NOT even enough to pay our monthly mortgage, let alone paying other living expenses.
After a few more calls I was led to purposefully defaulting my monthly mortgage payments by CitiMortgage Customer Service in order to get pre-qualified for HAMP they said. So from January to March 2010, for the first time ever in our life, I, basing my trust on Citi’s own advises, ON PURPOSE defaulted mortgage payments. To make the story short, Citi at the same time, side by side with HAMP they also started foreclosure proceedings on our house. All along I was again (mis-)adviced NOT to pay off my 3 months default while on HAMP process, because doing so “would kill” my application. For months Citi would ask one new/renewed document after the other, saying my file was reviewed by different groups and that “the end of the tunnel” was very near-my HAMP would get approved very soon. Citi on their website under “My Account” page for a few months, even posted their proposed “future” modified mortgage payments (with 2% APR) while on HAMP Trial periods versus my current payments (of 5.25% APR)-leaving me with the (false!) impression that my application certainly being pre-approved.
Then by October 2010 Citi scheduled public auction sale on my house, while my HAMP application going nowhere. A week before this auction sale, I decided to pay off my default payments to avoid losing my home. Along with those 3-months mortgage default payments, I was ALSO charged different junk fees (such as attorney fees, late fees, interest and overtime fees, appraisal fees, collection fees, inspections fees and others more) costing me extra $2,700+ to reinstate my mortgage account. To pay off all these, I was told and referred to deal with “Citi’s Attorneys Office”, which was “CR Title Services” a.k.a. “Five Star Service Corporation” with an address in O’Fallon, MO. Later on after my account reinstatement was done, I called this office to speak to their attorneys and only to be told that “this office has never had any practiced attorneys.” Citi lied (again!) to me, this office works for Citi as their collection agency with NO attorney working in it (false threats!).
At that time I was extremely afraid, nervous, panicked, felt greatly pressured, hopeless and defenseless, and had no other choice than paying whatever Citi charged me because the alternative was to lose my house in public auction!
IN THE FIRST PLACE, obviously I was mis-informed, mis-advised, mis-directed and mis-led BY Citi Customer Service representatives to default my monthly Citi mortgages in order to be pre-qualified on my HAMP application. In fact, those default actions ruin both my and my wife’s FICO credit scores instantly from the high around 800’s-which in turn forced me to file for Ch. 7 bankruptcy by the end of 2010! It leaves me sick, depressed & disabled without a job, sole income from SSDI that is not even enough to pay monthly mortgage and let alone to pay other living expenses, cannot get any loans or credits with low FICO scores & bankrupt, and without family (for almost two years now my wife and kid live with her parents overseas).
My questions: How to get Citi to pay back those $2,700+ extra junk fees to me on the basis that Citi IN THE FIRST PLACE led me to all these mess which otherwise would never happen? I cannot afford to hire any lawyer to defend me, can you please help and/or assist me to the end? Kudos for heroes like you guys!
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