Robert
Irvine,#2Consumer Comment
Fri, August 12, 2011
Your title is misleading and it is very apparent that you have some mis-conceptions as to what your obligations are. First of all unlike your report title that say they don't treat their customers who pay with respect, you did not make your payment as agreed.
Then in two points in this report you seem to be unaware of (or unwilling to accept) the ramifications of your payment history. It appears that you have been late in the past and had to have at least one deferment.
You told them that because you had to defer your payments in April it didn't matter, and later on you say that they legally can't take your home for no reason.
Well I have news for you. Your payment history DOES matter, and being delinquent IS a reason to foreclose on your house. It really does not matter who the lender is. But if you have a history of late FULL payments over time they are going to be less and less willing to work with you. It looks like this lender is getting sick of your partial payments.
By the way if your mortgage is honestly only short $200, you can get a job even one at Minimum Wage would make up this difference with only a few hours a week. Yes if you really looked I bet you could find one, it may not be glamorous but at least you could make your house payments. If you keep it you could easily build up a "nest egg" to get you through other rough patches.