M&T Bank Mortgage Complaint

M&T Bank Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Texas

I fell behind in my FHA mortgage due to unemployment and could not afford to make payments since - -. My servicer, M & T Bank, refused to accept partial/late payments so the missed payments continued to accrue. On - -, - they sent me a letter saying I qualified for their special unemployment forbearance program. The requirements were as followed : - Sign the agreement - Pay $25.00 due -/-/- -Pay the total arrears, $11000.00 to bring my account current on -/-/- I signed the agreement and paid the $25.00 forbearance payment in late - -, well before the -/-/- deadline. I sent a certified check with a tracking number on -/-/- for the rest of the money, $11000.00. My tracking number reports they received the check on -/-/-. I called the bank on -/-/- to let them know that the check was coming. At this time they told me that


I complained that my home should not have been sent to foreclosure before the -/-/- date because I was still doing the forbearance plan and I followed through on the agreement to pay the $11000.00 on time. They said they had the right to send my house back to foreclosure because I was late on my mortgage payments since I first fell behind in - -. I called them back today to inquire again and they said they rejected my check and sent it back to me on - -, -. I am still waiting for the check in the mail, but I wanted to be caught up because I could resume monthly payments in - - if only they 'd honored their word and accepted the $11000.00. What is the point of any program if they can change the amount I owe right before it 's due and put my house into foreclosure even while I 'm participating in the program? This feels so unfair because I did what I agreed to do and worked very hard to catch up. It feels like they want to force me to lose my home.