Ok, here is my loooooog story made short. Last August we called our mortgage company because we were just not making it. We had a terrible year with my husband not working much. His company just didn't have enough work. We asked about doing one of those loan modification's otherwise we were going to have to short sale the house. They said no problem and started the procedure. We got paperwork and had to fill out many papers. They kept asking us over and over for the same information just about every month. They told us not to pay Septembers payment. So we didn't. Now our credit is bad we can't even get a car loan! They told us this would be finished in February, and they kept stringing us along. Then a month ago we get this letter saying that our mortgage company sold our mortgage to another company! When we called them the told us we had to talk to the new company, we did and they told us we had to come up with $17,000.00 to catch up. The other mortgage company did reduce our payment. So that is the difference of what we were paying and what we should have been paying and the missing payment. When my husband told them we didn't have that kind of money she said well do you want to do a mortgage modification? He said we have been doing a modification and she said we had to START over since the mortgage has been sold!!! I have to say can they do that????? Well, I guess they can. We are living it. You would think that if you buy a mortgage just like anything you buy it " as is" Now we are waiting for the NEW paperwork to look over and who knows what the terms are. We are not the kind of people that just give up, we have been struggling since 2004. I am so angry I have no words. Has this happened to anyone else????
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