pnc mortgage |
| United States, Idaho |
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Consumer reviews about pnc mortgage |
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PNC Poor Negligible Crap!!!
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Dec 14, 2011
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Stimulus Modification Loan Nightmare
I did a search on "PNC Modification Horrors" and got to this page. Although it doesn't help my current mortgage dillema it's at least alittle reasuring im not the "only one".
I July i fell behind due to past chemo problems and severe chronic pain. I let PNC know (my mortgage company) and they suggested signing up for the Making Home Affordable Program. Note this is late July/early August. Up until say Dec 1 i have repeatedly sent in bank statements, wage statements, financial summeries, finanancial hardship letters, etc.. Some of these papers were requested 3 to 4 times. Over and over, send your last 2 months bank statements, even though i just did a few weeks ago. During August through late Nov i slowly fell farther and farther behind on my mortgage. On Dec 5th i was told it probably wasn't the best idea to try to make any payments because if i did i wouldn't be eligible for the MHAP. Well after hours and hours and pages of faxing info was i supposed to just give up? They suggested no. Oh and by the way, the lady who was in charge of past due mortgages never once was there to answer. Just another "im on another line or away from my desk but be assured ill get back to you". But her mailbox was full. About 3 weeks ago i was sent a letter informing me that another person would be handling my deliquent loan. Did they finally can the first woman? It's going on 4 days now and im unable to get in touch with her as well. This last weekend i recieved a notice that my home is in foreclosure but when talking to someone at PNC he told me there isn't a sale date yet so don't worry. Easier said then done. Yesterday i recieved a certified letter from a law firm stating they are now handling my loan and need to do something within 30 days. But after yet another call to PNC i was told i am still in the MHAP and they are reviewing my info and it could take up to 12 weeks. So do i wait to see if im approved and hopefully they will make my mortgage current or lower my payments or do i call the law firm and tell them i want to make payments and just get my damn home back? Talk about being in a pickle. What happens a month from now when PNC says sorry your not approved for the MHAP. I just wasted for months sending over 100 pages of faxes( which by the way i don't own a fax machine so i have to spend $1.75 per page at Office Max to fax them. Also i get double letters daily stating different things. I get phone calls on my home phone to call PNC even though im calling them daily. The communication in loss mitigation is NIL!!! Id be fired for such sloppy work. Unfortunately they aren't and they are playing with my home. Without my home i mine as well get hit by a car. For anyone just beginning this process, be very very careful and don't believe anything just because some office smuck tells you. Honestly i can't recommend it. If i could go back 4 months i would definately not have done this. Unfortunately it's to late. So im stuck over Xmas wondering if i will have a home or not. I was going to install some weatherstripping and paint the kitchen and put in a new floor but now why bother. I'll end up finishing it and PNC will walk in and say "gosh thanks, the new owners will love this". I plan on calling the law firm listed above and tell them my story and maybe if enough people do "something" could result. Im not holding my breathe though. Thanks for the early Xmas gift PNC. Possible homelessness, enough stress to age 10 years in 4 months, a probable heart attack and while i won't say not a will to live i will ask PNC workers may i move in there home? Oh, be sure and have the kitchen painted yellow. That's the color i started to paint my (or is it now PNC's) home.
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Juan A Valdez
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Feb 24, 2012
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Stimulus Modification Loan Nightmare
Juan Valdez: Same thing happened to me while being considered for a loan work out package, i.e. loan re-modification and or loan re-payment plan my home was taken from me by Freddie Mac. Even after I had spoken to a PNC represenative who said that my home was safe from forclosure while my package was being considered. Turns out the same day that I was denied on my workout package, they foreclosed on me and I had to move out of the home that I had lived in for the last 17 years. What about my equity??? Guess what the house is still in my name in the local Tax Apprsail District. Also I never have nor will I sign my home over to anyone. If they wish to fraudulentley forge my signiture thats up to theam.
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Dennnis
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Mar 3, 2012
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Stimulus Modification Loan Nightmare
After calling in asking for it to be moved to the next month because I needed money to run my company and get parts. Also to go to the Doctors, because I have been coughing up blood for the past week. They told me they would give me 4 days more.
Thanks PNC $%$@%
The first time the lost the papers I even had an email from them telling me they had everything and it was all good. They would let me know in 30 to 45 days. @ months later the sent me a letter saying didn't’t send them the papers they needed and I would have to send it all in again. The person that sent me the email was gone and they told me they could even talk to her or find any papers I sent in. The next person on my case after I sent in all the papers they asked for called and told me they had all the papers again 11/23/11. On 12/12/11 they filed forecloser papers saying didn't give them all the papers they asked for. After calling again they told me they didn’t had my papers again and I would have to do it all over. 2 weeks later they called and said they got them from me and thanks for sending them in, they really just found them.
Now here I am, trying to save my home for my wife and son. Trying to run a company and with no insurance, money and coughing up blood and they will not give me any more time than a week to start paying.
Would a 4 week notice kill them after messing up and all the stress for a year?
I still need insurance and money to go to the Doctors. Do I go to the Doctors and say hell with the house? I should just do a chapter 7 or 13 and say hell with it. The loan is 100k over the price now.
[email protected]
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