spent the day offering to give Citi $1800 every month. This is the same amount I’ve been giving to a property management company that has been giving it to a deadbeat investor. Said investor, owner of this lovely house, has not been paying the mortgage.
FORECLOSED, EVICTED and letters from a lawyer NOTICE TO VACATE. These are words and experiences I hoped to never face as an adult. It feels the same, maybe worse to be the renter in this situation, more on this later. There were were skating along, paying our bills and dreaming of buying another house after the beating we took on our house in Utah. The phone rings and we’re met with a Merry Christmas you can probably expect forecloser in January. WHAT THE STINK?
That first week in January comes and goes with no notice and we are hopeful. I said it all along; I’m going all Pollyanna here and hoping they got they act together and started paying the mortgage. Our friendly neighborhood property manager said it was doubtful, they had 7 other homes go into forecloser that month, yup you heard that right SEVEN. Still, I had hope. I had hope that at the very least with the economy in the loo and banks refusing to lend our our hard earned tax dollars that maybe, just maybe the bank might continue to rent to us
The forecloure process was finished Feb. 4 on the courthouse steps and since no one wants, or can even come close to getting a loan, to pay what is owed, a law office working on behalf of Citi scooped it up and contracted with a realtor to bump us out and sell the property. None of these people want us to stay in the house, they want to sell it, get their commission and move on. Good luck with that! Just on this street, this street, there are 3 houses for sale. One is vacant and owned by a relo company who would rather let it sit vacant than rent to us, and another recently foreclosed house that’s been vacant since the last tenants moved out this past summer is still not on the market yet.
I pressed T to call Citi. I don’t know what he did but he couldn’t even get a human on the phone. So, I set out on a mission to keep my family, my kids and all this fabric in this house for a while longer.
The first guy I got and started explaining why I was calling and maybe he would know where to transfer me to flatly hung up on me.
Bo, the nice C.S. girl confirmed that the house was foreclosed and then went on to say that it in fact has been paid off. Some law firm, the ones whose letterhead I’m looking at, bought it , I should talk to them. After some pressing she thought maybe leans and litigation might be a department that could help me.
Tom in L&L confirms that we got foreclosed and searches and searches for who bought the property. I continue to tell him that I know who and so did Bo but he can’t ever find it. Talk to the lawyers he suggests. My eviction letter states that Citigroup has terminated my lease and I would like to find someone at Citi that might reinstate it. He thinks maybe the REO department might be a good place to dump me, luckily he gave me the number before transferring me to the general customer service que , except that the number he gave me goes there too! Thanks there, Tom.
I choose collections and get some new guy (good to know they’re hiring people) that’s a little hard to understand. He checks with his manager and gives me 2 direct numbers, as in 646 area code, I’m not talking 800 navigate your way through automated hell, that of course, go straight to Voice Mail. I don’t think I’ll ever hear back from Michael or Perry and I’m not even all that confident that either one of them could help me even if they do call back.
I’ve got boxes waiting for me and now that crayon hearts, heart shrinky dinks, bags of teddy grahams/gummy bears and giant heart sugar cookies along with frosting and sprinkles have been made and are ready for delivery I’ve got 1 week to get this ship into brown boxes and get it out the door,
