Dear former Mortgage Company,
Thank you for your kind letter regarding the serious personal matter we have with you. As much as I would like to be able to send you a check for the full amount due as per your request, apparently you do not realize that we do not have this money. We are not keeping a secret stash from you. I promise. In fact, if you know where this money might be hiding, would you kindly let me know as it would come in handy during our current financial situation.
If you really would like this money, I shall direct you to contact the mortgage broker and his f***ing appraiser who scammed us in order to sell us a mortgage, which you then bought. In a way, I feel you brought this situation upon yourself by not properly reviewing the documents and recognizing the predatory lending practices that were prevalent in the origination of this mortgage.
Thank you for your time,
Your former mortgagees
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Yes, today we received a letter asking us to please remit the full amount due on the difference between what we were able to sell our home for and what we owed. AS IF.
Do they NOT get it? If we had the money available, we would not have needed a short sale. Duh.
I swear companies are out to screw the consumer over. Add this to the $90 charge I got on our first phone bill with the new phone company (slogan: Your world. Delivered.) Their explanation: we had to send a technician to make sure a dial tone was available through the telephone box. I asked why I was not notified prior to installation. Response: We didn’t know if we would have to send a tech. Had I known this, I would not have made the change. I left a message for the woman’s manager, explaining that I would not be paying this charge as I was never even notified that this was a possibility. And the gas company crap. And yet another HOSPITAL bill from my *retreat* nearly a year ago.
I think I’m going to take another retreat and pretend that there are no bills or debt in my life. Maybe I’ll live in my mother’s world since she informed me she decided “Money was not going have a hold over her life.” Uh, yeah, Mom. Brilliant.
Erin, we just “barely” got out of selling our house. Had we sold, we would have been in the same situation for the same reason. Not to excuse myself completely, we have made our mistakes, but we would have been out thousands that we don’t have if we’d had to sell. You are not alone, (((HUGS!)))