11 Jan, 2019 → by ClaimboUser991232
Life altering event, you re screwed

Going thru divorce us hard enough. My ex cleaned me out. Had this planned for 2 yrs. She s Temporarily getting 1/2 my income . Becuase she can for now. I'm a disabled person. I Just need a little help to get back on my feet or lower my payment a bit. I was still making payments current at time. But trouble s coming I know it. Called Quicken for help. Tried a refinance I Had good Co signer= Quicken wouldn t let me roll my 15 yr into 30 yr. Asked to make cpl mos intrest only ( they make dbl intrest) NOPE. Asked to move a cpl payments to end of the loan. NOPE. Most lenders will some of these things. Especially for those who ve never missed or had a late payment They ve offered NO OPTIONS. I calked them for help. Instead Quicken is playing word games & samantics to stip payments w/ o proper authorization from my bank accnt. If I could or wanted to make payment at that time, I d call the payment line. At No time did quicken EVER ask for permission to take payment. Never ask IF I WANTED to make payment. NEVER MADE CLEAR & or IN UNCERTAIN terms I would be making a payment. They just took payment. If you re calling their" help line" Its not becuase you re doing ok. Last thing you need is some shady slick talking idiot placing your accnts in overdraft. The agent will simply ask:" Does your payment normally come from The _ _ _ 00__ _ XXY0 accnt ? " ( Normally it would ) Then assumes to TAKE permission. Like mid eastern phone Scammers.Except mid eastern scammers call you sir, say please & thankyou. My ex must have taken lessons from them. If I wanted double talk, word games, &samantics, I d call my ex. I ve made purchases & payments on line for 20 yrs. They always ask if :" ARE YOU making a payment? ....YOU UNDERSTAND you ARE making a payment ?.....I HAVE YOUR PERMISSION TO DEBIT THE ACCNT?" THEN PROVIDE YOU A TRANSACTION # NOT QUICKEN. I ve never seen a lending institution with such a lack of professionalism & legal aptitude. I ve been treated better by debt collectors in 80s( before harrasment laws came out ) So make sure before you choose this lender that : No one in your home will ever become terminally ill, die, have a debilitating accident, divorce, or anything else life could throw at you "un or under " prepared. You can t count on Qyicken loans /Rocket mortgage to be remoatly reasonable or understanding. Theyd rather put you under. If they get this house back ...good luck. It ll take 3 yrs to sell cuz market here stinks. ( It gets neg -30 deg in winter) It needed remodling when I bought it. My ex took all the remodle $, its 10 yrs later guess what ? it still needs remodling. Just remember I tried to reason w you.
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