Wednesday, April 13, 2011

Lunch break

Molly is sitting with me, eating her lunch. I gave her leftover chicken, peas, and cheese. She insisted on the cheese. When I wasn't looking, she grabbed a pear, and is chomping away at it. Little sneak. I have to admit, watching her eat is pretty entertaining. Food all over her face, and she chews loudly, happily looking around, and telling me how good everything is. She is getting bigger by the minute, and speaking clearer everyday. She is adorable in every way. Except for the pear juice painting she is working on, at this very moment.

Two days. That is how long it has taken to scan documents into our hand me down, ancient, computer. All of our mortgage paper trail, now loaded into our hard drive. I cannot tell you how frustrating each minute of doing it was. And now, I worry that the whole thing may just blow up. After scanning and scanning, when I went to actually save the files, my computer kept sending me a fail message. On top of that, the space bar is going, and the whole keyboard has a delay when you type. David and the kids saw me at my best last night, when my frustration level had reached it's crescendo. Proud moments.

I spoke to a lawyer on Monday. I read about a class action suit that has been filed against my mortgage company. My eyes popped out of my head, for a brief moment, when I read it. I know they did. The press release that I read, on line, on The Street, said this:

Philadelphia PA, April 5, 2011/PR Newswire
"The Law firm of Berger & Montague, P.C. has filed a class action complaint in the United States District Court for the Eastern District of Pennsylvania on behalf of all Pennsylvania homeowners whose mortgage loans have been serviced by Citimortgage Inc. and who, since April 13, 2009 (1) have entered into a Trial Period Plan Contract with Citimortgage and made all payments as required by their TPP Contract and complied with Citimortgages requests for documentation, and (2) have not received or have been denied a permanent Home Affordable Modification Agreement that complied with the U.S. Department of the Treasury's Home Affordable Modification Program rules."

It went on to say that if you feel that you have been denied a loan modification improperly, contact the law firm. It also stated that the complaint alleges the following:

Citimortgage accepted billions in government bailout money, earmarked for struggling homeowners, to help them avoid foreclosure. It stated that "Citimortgage systematically slows or thwarts homeowners requests to modify mortgages, depriving borrowers of Federal bailout funds that could save them from foreclosure. The bank ends up reaping the financial benefits provided by TARP funds and collects higher fees and interest rates associated with stressed home loans."

      !!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Eyes popped !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

I could not dial the phone number fast enough. The lawyer called me back, and we chatted for quite some time. So the scanning began. And will continue. Hopefully, my computer will not begin smoking.

I feel some comfort in knowing that we are not alone. But it makes me so incredibly angry that they have not helped countless people who lawfully deserved it, when they could have.

When they should have.

It is criminal.