POND SCUM!!!!

2009
National city is the worst possible company to deal with. I send in a modification package and after numerous attempts and time spent they told me we make too little. Then after few months and after we rent out the property they told us we make too much. by Jon From Alta Loma, CA on June 17, 2009
These guys are the lowest form of pond scum I've ever come across... Last year I was diagnosed with cancer and was off work due to the operation I needed, then just as I was coming good from that I had 2 heart attacks back in November and had to have surgery for that, the topper came when the company I had a truck leased to (who had been in business for over 100 years) closed their doors. We were constantly in communication with NCM spent hours trying to navigate the VM system never got calls back, typical "We dont see your Mod request, could you please resend it" all the while telling us they would work with us. Finally after getting 6 months behind we get a notice of trust deed sale and frantically call NCM I swear our house was 1 hour from the auction block, when we got hold of the first decent person we've dealt with there. She called the auction company and put a 30 day postponement on the sale. So after 8 months of trying to negotiate a modification they came to us at the last minute and offered a Forebearance agreement, so now our payment which was $3175 has gon eup to $4762 a month for the next 18 months to allow us to catch up on back payments... Shoulda called a lawyer before signing the agreement and sending them a $6500 certified bank check as good faith. Now that we've signed the forebearance we cant do anything but wait for 6 months... But if this is any consolation to everyone thats been screwed by these people, we're about to walk away from the property we owe them $600K on a first and $141K on a 2nd and I've had a gut full, so they can come take my house and I'm filing BK, if the system wont work for me then I'm not going to work for it. So National Sh&%y come get your new home oh by the way current market value on this puppy is $405K...
by Anonymous From Shreveport, LA on June 12, 2009

I don't have any of those horror stories. I got a notice of default but I paid what they asked for in certified funds about 4 days after getting the letter. They did put my money in a suspense account and I had to call them to apply my money. But all is well now. They have applied my money and now I am current. They were very helpful to me and always talked to me at customer counseling. SOrry that everyone else is having problems. But there are still some helpful people with this company. Just keep calling like I did and you will get all the answers that you need. Times do get hard and circumstances will not permit sometimes. But of course my mortgage payment may not be as high as all of the others but pray as I did. Keep calling is all i have to say. Write the names down of the people that you talk to. Make sure you get the same information from different people. And if you are still in doubt please ask for a supervisor. They still do have some nice people in customer service.
by Michael Medjesky From Indianapolis, IN on June 12, 2009