These big companies have some stupid practices ... what the heck can you do?

I have a friend who is going through foreclosureA legal process by which the lender seizes property of a homeowner, usually due to the homeowner not making timely payments on the mortgage.. I caught him cleaning the house since he has to move out when the house is auctioned off. I told him to stop and let the new owners clean up, patch holes in the walls, etc. He is afraid the mortgage company will come after him if the house is "dirty" and he will be sued.

How does this work? Can't he leave the house in shambles when he leaves? I purchased many foreclosed homes and they have all been in horrible shape when I bought them.
--
ForceField

Since house payments are your responsibility, I would think contacting them when you didn't get the payment coupons and finding out what you were supposed to pay would be better than just sitting back and waiting. That said, I think it really weird that they would not take your higher payment and just foreclose. Sounds like different people at the company had different ideas about what you should do and no one was talking to each other.

I had a bunch of mortgages with many companies. Citi was the worse company out of the lot to deal with. Their customer service was horrible and they always failed to pay my insurance and taxes on time! They were pretty bad but you can't control who these lenders will sell your loan to eventually.

I'm waiting for a class action lawsuit against these mortgage companies, with CitiMortagage being at the front. I have heard too many horror stories about Citi which leads me to believe the victims more than I believe Citi is doing the right thing!

CitiMortage runs a scamming business. Those folks are a bunch of crooks! I sent my payments on time but they would hold the payments until after the due date! Then they would apply late fees to the account. This happed 3 months in a row! The practice has to be illegal but they do it anyways. Hold on-time payments until they are late and then apply them to the account. Where is the class-action lawsuit?

What I hate is that the original lender ALWAYS sells your loans. Somehow, they always end up with those crooks at CitiMortage. This is my 3rd mortgage and every mortgage has eventually been sold to Citi. I can feel the pain of the rest of you because I have been through it with CitiMortgage.

CitiMortgage equals Crooks and you have to hope and pray your mortgage is not sold to them!

CitiMortgage has to have the dirtiest foreclosureA legal process by which the lender seizes property of a homeowner, usually due to the homeowner not making timely payments on the mortgage. practices in the business. They will rob you blind and I have yet to see anyone fight them back and win. Hopefully there are some greedy attorneys out there somewhere who are going to class action CitiMortgage.

I was amazed to read here that others are experiencing what I went through with Citi and their ridiculous mortgage scamA confidence game or other fraudulent scheme, especially for making a quick profit; ! The failed to creditMoney loaned or the ability of an individual or company to borrow money. my payments to my account. At first the payments were applied to my account slowly and often late. Well, I was laid off from my job so I called and asked if they could somehow restructure my loan so as to alleviate the burden of being unemployed and still trying to pay a full slate of bills. The girl on the phone agreed to help and took all my financial info. I never received the new payment slips she promised on the phone so I sent a check for the amount she quoted me.

Well, CitiMortgage failed to credit my payment to my account! Now I am sitting in my foreclosed home just waiting for the day they finally kick me out!

How long do I have before they kick me out of my home? Well, what used to be my home?

How about annoying automated phone calls if you don't pay on the 1st? I have gotten annoying phone calls from them every month without fail and just yesterday got 3 in one day reminding me to pay them! I've never been late and they always harass me within the 15 day grace period! GRRRR.

CitiMortgage has to be the worse mortgage company ever! Laura, you are correct! I thought the attorney told me the payment isn't really late until after the 15th of the month. It's due on the 1st, but not really late until after the 15th.

I swear Citi holds my checks if I mail them such that they arrive anywhere close to the 15th just to put that $50 late fee on me. Not to mention they call multiple times per day until they get the check.

They are the most annoying bastards I have ever dealt with, especially considering my loan is current!

Can anyone tell me how do I make CitiMortgage stop calling me? I pay on time but not necessarily on the 1st of the month. Please make the harassing phone calls stop!