RBS Citizens Mortgage Complaint

RBS Citizens Mortgage department,

Home equity loan or line of credit Loan modification,collection,foreclosure Virginia

We fell behind on our mortgage in - due to hardship. Despite monthly attempts to CCO mortgage for forbearance, we received none. The representative, a - - - from their collection department, repeatedly pressured my husband and I, -, to short sale our property. Because we help over - in equity, we found this repeated suggestion harassment. The In - -, we applied for of loan modification of our mortgage. We promptly provided all the required paper work, including a copy of my husbands - and his - - statement reflecting his - - retirement income. - - then repeadedly called my husband requesting the letter of permanent retirement income from - ''. Despite My husband 's attempts to convince - - that this letter did not exist, - - continued to insist and to pressure us to short sale. In - -, - - closed and destroyed our loan re-modification application and our mortgage was then sent to forclosure. The day we recieved the notification, I promptly called - - supervisor and started a new application. Our paperwork arrived to CCO mortgage in 3 business days. We were accepted for an internal loan modification, however, we were charged between $ - $1000.00 to remove our loan from the foreclosure department. We agreed to this for fear of losing our home. We signed the loan agreement in - of - and have been on time with our mortgage payment since. My attempts to discover what exactly happened and how much we payed for the forclosure Fee '' have been ignored. I know this practice was not legal and was another mortage company trick used to cheat consumers. We would like to recover this money and have it applied to the balance with interest.