Originally Posted by Zenn
How did you try to work with the bank? Was your attitude adversary, with expectation of them being uncaring and greedy, etc? Did you envision a happy outcome from negotiation with the bank, with both sides being happy about it?
Y'know what, for the longest time this was how I was going at it. This is an example of why I take issue with the whole "belieeeeeve" stuff. I didn't have this bad attitude about banks until all this crap went down, not just with this one, but with the other one where the checking account is, where I've had to talk myself down from using the word "evil."
I actually have felt kind of railroaded by all this, because when I first got behind on the payments, the servicing company said "Oh, we'll do a modification. We do those ALL the time. Especially now, when there's so much financial problems going on out there." This was in 2008. So, they said, do not send in any money or we will return it. Which was fine with me, because I wasn't making any money. Weeks went by. We would talk on the phone. Eventually my loan counselor said the payments would start at the end of November and they would be XYZ.
Around Thanksgiving time, right around this time of year, somebody called from the servicing company and said the house was going into foreclosure "tomorrow." I was completely shocked. Like drop down hard into the chair shocked. I kept stammering, "But . . . they said they were doing a modification! They said! They said!"
Yeah, so much for belief. So, here I sit now. I try to tell myself they actually have worked with me, because this situation has been going on since 2008 and still hasn't been resolved, and they haven't come over and thrown me out on the street.
Working yourself ragged to pay them was your limited way of solving the problem, which is far from ideal as I'm sure you are aware of.
I guess since then I've been working myself ragged to pay them.