homecomings repeatedly told us there was no way to make payment arrangements on our past due mortage they denied us the opurtunity to make arrange ments and on january the second 2006 they told us if no payment was paid by the 6th they would file for forclosure also told us that if we made that payment they were gonna hold it and if we didnot pay another before jan 20 they would return it and foreclose any way we are behind owe nov and december payment and after the 15 jan will be late can make 2 payments in january but not by the 6th