Astoria Bank Mortgage Complaint

Astoria Bank Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure Virginia

My husband and I have mortgage with Astoria Savings. In -, we received a notice from Astoria stating that our mortgage would be increasing due to our 10 ARM. This doubled our mortgage form $2500.00 to about $4800.00. Needless to say, we are unable to make our payments, so we asked for assistance. We were instructed to complete a loan modification application, and submit all of the appropriate documents ( hardship letter, financial information, paystubs, checking and saving acct statements, - statements, etc ). The initial case was being handled by one person, and then we started dealing with another lady ( who requested the same information ). Meanwhile collections is calling us because they want to know when will be making a payment - oh, did i forget to tell you that because we are now more than 120 days behind, they have accelerated our mortgage, which means they want at least - payments ( that 's about $ - ). It is now - 2016, and they are still requesting information and at no point in time has our file been reviewed to see if and what kind of assistance we would be eligible for. We have reached out to HUD, but they said all they will do is provide the documents ( that Astoria already has ) to the mortgage servicer. We are concerned because we do n't have family that will be able to give us money, and if Astoria does n't grant our loan modification, we will have to file bankruptcy because they will want at least $ - to stop foreclosure proceedings. I think their business practices are deceptive and that they do this to every customer that seeks assistance with no intention of ever helping out the customer. Any assistance that you could provide and if you could share this information with others to they are not subject to the same deceptive practices as we have been dealing with.