NATIONAL CITY SHOULD BE MORE WILLING TO HELP SOMEONE

I FEEL THAT NATIONAL CITY SHOULD BE MORE WILLING TO HELP SOMEONE WHO HAS BECOME ILL AND UNABLE TO MAKE THEIR MORTGAGE PAYMENTS DUE TO THE FACT THAT THEY ARE NOT WORKING BECAUSE OF ILLNESS. THEY SHOULD HAVE MORE UNDERSTANDING AND CONTACT PEOPLE WHO ARE WILLING TO PAY BUT DO NOT HAVE ALL THE MONEY TO GET CURRENT. THEY SHOULD HAVE A WORKOUT PLAN FOR THE PEOPLE WHO HAVE SERIOUS ILLNESS. ALSO BE WILLING TO TALK TO PEOPLE ABOUT THEIR MORTGAGES AND WHAT THEY CAN DO TO GET CURRENT.

As a former negotiator in the Loss Mitigation Dept I can tell you our supervisors really never cared to get our customer truly taken care of. They were always about the numbers. They would rather the negotiators reviewed a package poorly but fast, as opposed to taking your time to make sure our customers received a fair evaluation and a quality remedy. We didn't return phone calls, because too many people would call in and the managers didn't really care unless a customer actually elevated the call to a senior manager. National City preferred to forward accounts to foreclosure as quickly as possible because in the long run they wanted you the customer out of the Loss Mit Dept arena and unto somebody else's plate. Trust me when I tell you there was a reason so many things (payments, packages, letters, pay stubs, etc) were lost and calls were not returned. The managers and supervisors knew that when people called in to say a payment was made but not properly recorded or a call was made by the customer but never returned by NCM, or dicumentation submitted but claimed never received by NCM, that the customer was usually telling the truth but they didn't care. I know I was one of the people you would call for help until my health failed and I was forced to leave. There isn't a day that doesn't go by when I don't worry about the many customers who did the right thing who will never the less lose their homes. The only thing I am always amazed about is that you the borrowers haven't come together and challenged National City Mortgage in court under a class action suit. God Bless you all, as long as you remain National City customers you will need God's blessings.