Post from kimberly neuhauser's Blog:
National City Mortgage a company that just fails to do what is right for Veteran’s.
By kimberly200 - May 21st, 2009 at 11:12 am EDT

Comments | Mail to a Friend | Report Objectionable Content
I am not writing this letter to evoke pity for my circumstances, but anger at National City Mortgage a company that just fails to do what is right for Veteran’s. (The company even settled a law suite in West Virginia in December for around 700,000.00 and had over 2000 plaintiffs for doing some of the same dirty tricks they are doing to me and other Veteran’s!) How can they keep getting away with it? I sure wish I knew about all of this before doing business with them!!!! Do not let this happen to other Veteran’s PLEASE! This is so wrong. If you know someone who has had similar problems with National City Mortgage E-mail me at kimmy_cat200@comcast.net

Mortgage companies can not get away with devastate people, to pretend to help, while forcing them into a predicament that leads to their become needlessly homeless, like some predator lying in wait of pray, without suffering consequences.

My husband is retired Navy, a veteran who served his country for 23 that is why we have a VA loan. My situation is as follows:I was working as Registered Nurse in a Neonatal Unit when I got sick. I was sent to a Rheumatologist who diagnosed me with Systemic Lupus Erythematosus (LUPUS) and Psoriatic Arthritis. My Rheumatologist started me on medications and I began to feel better. I attempted to go back to work in nursing many times over the last few years and found that I failed. One day I will feel well and my pain level will be manageable. The next day I would hurt so much I could not get out of bed. My doctors and I made the decision that Nursing was not an option In February of 2008; I had to stop working out side the home completely. I applied for social security, but getting on SSI is not a quick process.

Without my income our mortgage fell behind by two months and fees mounted, I kept trying to catch up but National City Mortgage does not take partial payments. My social security came available in July for about $600.00 a month after Medicare part B payments.

I spoke with the VA rep and explained that we can afford to make the regular monthly payment on the house but we can not afford to pay the back due amount plus fees. The VA told me to request a workout package from National City Mortgage and request a VA loan modification on our loan. I put in the Workout package with National City Mortgage in July 2008. I tried to make a payment for the whole regular monthly payment for August but they would not accept it, and sent it back to me because they needed the entire amount due, all the back due as well to except anything, till we have a set arrangement.

I received my answer to my workout package in September 08, 2008. I was called by National City Mortgage, I was told, if I made my regular monthly payments on time starting on the 10/01/08 for six months. At the end of the six months National City Mortgage would do the VA loan modification and put the past due at the end of the loan, and if the current VA rate dropped, I could even get a lower rate, I thanked them for being so wonderful and promised to make the payments. I made my payments on the first of each month by western union, and I think everything is worked out with my mortgage, I was wrong.

In March I called National City Mortgage to do the modification on the loan. I was assigned to Ashley Childers in account Mitigations 1-800-367-9305 extension #53097 Ms Childers explained to me that in order to do a loan modification with the VA I need to get a full appraisal on my house, (that I need to pay for) and for National City Mortgage to do the modification it must be an appraisal for $280,000.00. I explained I only owe about $245,000.00, and with the market right now I did not think I could do better than $250.000.00. She told me that several other Veteran’s had tried to do VA modifications with appraisal just slightly under the values set by management, and they would not do the modifications for them. I explained that the only requirement told to me in last September was to make the 6 months of payments. Why did we not do an assessment then? I do not understand how this all happened? I am doing what National Mortgage said to do? She told me the best she could do was to offer me payment arrangements on the back do amount after the forbearances.

I ask her how much was the total back pay amount? She told me I owe 4 payments behind on my Mortgage, and fees. I ask her how the hell that was that possible, when I was only two payments behind in July when I put in the workout package. It turns out that because I was not able to make that payment in August, and when the workout package that came in September it had a payment start date of 10/1/09. So apparently they also are charging me for September 2008. I guess I was adding months to my delinquency by doing the workout package and following their instructions. Now I am behind for 4 month. I worked an arrangement to continue the forbearance agreement till August 2009. I am still making my monthly payments, and have been since October 08, but have no clue what to do now about the behind amount that is growing. I contacted the VA and spoke to my VA loan person John Downey 1-800-729-5772 ex 3934. I found out that for a VA modification, the VA does not require the appraisal, the appraisal was added by National City Mortgage. Mr. Downey said, “What they are doing is wrong, I knows it is happening to other veterans, but there is nothing I can do to help.”

Mortgage companies can not get away with devastate people, to pretend to help, while forcing them into a predicament that leads to their become needlessly homeless, like some predator lying in wait of pray, without suffering consequences.

Sincerely,

Kimberly Neuhauser