I was reading the letter to the editor that was written by a man who had so much trouble getting a loan (“It’s gotten tough to get a home loan,” Aug. 11). Well, I am having trouble keeping one.
A well-known bank is trying to steal my house from me. I’ve been on a repayment program since January after a short sale was denied by the bank. I have paid back every cent — and then some — and on Aug. 1 they put my house in foreclosure. It turns out that they applied two of my payments to someone else’s loan, a third payment sits in an account called “unapplied funds,” and they returned a check to me because after deducting “miscellaneous fees” it was no longer considered a full payment.
The bank is fully aware of the issues. When they demanded proof of payments, they “lost” the fax containing the proof. They don’t make the people who had my payments incorrectly credited to their loan prove that they made the payments.