Well, if this JERK is mad now, just wait. I don’t care how stressed out this guy is; he has NO right to treat you that way. First, you need to get this unauthorized bank debit fixed. I recommend the following:

1. You must contact the bank’s EXECUTIVE office immediately – in writing. Call the bank’s Public Relations’ office, ask them for the names of and contact information for the bank’s executives. You also should be able to get this information with a Google search. Write to as many of their execs as you can – get their emails if you can figure out what nomenclature the bank uses. By that, I mean, “How has the bank set up its email, i.e. first name.last name(at)bankname(dot)com.

2. If you are in Florida, please contact me. I know of good attorneys who offer a free 30-60 minute consultation. If you can’t afford a lawyer’s help, Legal Aid will help you. I wish all it would take is a phone call or a letter to fix this. Truth is, that probably won’t help. It’s sad but true that any letters sent by attorneys get noticed faster (and more effectively) than any letter you or I could send. If you are outside of Florida, I’m afraid you really MUST get an attorney involved.

3. Obviously, you need help with saving your home through loan mod. Let me know which bank and hopefully I can direct you to someone (at the bank) who WILL help you. I know this will sound hard to believe but I have met and worked with people at various banks who REALLY care about people and who really want to help. They can’t promise they can help, but they will NOT be rude. That kind of behavior cannot go unpunished, regardless of how stressed out a person is.

Please call or email me at mike(at)sarasotahomesforsalenow(dot)com. I’ll help you if I can.

Mike

I am a single mom and am so in need of direction. I was behind in my mortgage – just around the 90 day point. I have been behind some time, but not hitting the 90 period. I called my lender on Feb. 22 and gave them a check over the phone. I said that it was a different bank account, that of my ex husband. They took the bank info correctly, but did authorized the check against my name, instead of my ex. I immediately notified them of their error, however, they kept saying everything was fine. I demanded them to realize it was not fine because we could see that the money was taken out of our bank and then redposited due to this error. The 2nd time they deposited to an old bank account, I received an NSF – they said that I told them to put his check through this account. Totally a lie – I have proof in email and phone calls. To make a long story short, I only would deal with the manager and two fridays ago, he put the check through. Last night I received a letter. They said the check bounced (due to their processing error.) They want $6500 and won’t even accept a check now. I just started back to work. I want my house. I have never lied to these people. I was out of work for quite a while and things were tough. What really shocked me is that I am the one to be upset and they screwed up my payments, now I am in forclosure and basically, I was just told by the HAMP person…that he hears it all the time how clients give bad bank info just to get away with not paying or to delay. I was very insulted as I have never done that and have never been treated by a bank that way. He also threatened me by saying that I have made him mad and the underwriter really mad because we went to management over this and HE will decide the fate of my loan. Basically, he will not approve me. He told me not to call him back!!!!! I have a ton of emails proving that they made errors with my checks and it clearly documents that I did all in my power to get these people to process my check accurately and quickly. Obviously, I cannot really afford a lawyer, but do you know what other options I have. They are messing with my account, making judgements that are false that I did this on purpose and I am in disbelief. I haven’t slept in nights. The manager of the bank knows me and I have never given him a bad check. The proof shows where the money was always in the account, that they used the wrong account and tons of emails from me telling them they kept messing up. Can you please give me info as to where I can go for help. If you heard how the loan mod guy spoke to me, you would not even believe it. It was as if he was speaking to an ex girlfriend with hatred in his voice. I work for a large accounting firm – I can’t believe he gets away with this.