For every Real Estate Agent and Lawyer please read my story and give me your fee
Posted in the Drakes Branch Forum
#1 Nov 14, 2013
For every Real Estate Agent and Lawyer please read my story and give me your feedback?I recently sold my house short sale. Before I listed it for short sale I tried to refinance and do a loan modification but was rejected twice.
So I called my bank and asked about the effect of a short sale on my credit and the customer service told me that the short sale will not effect my credit at all if I kept my payment current until we sell the home.
Anyway to make the story short, the house was sold and I called the bank to make sure that they will report as paid in full or as agreed and they claimed that they never told me that. Unless I remember when and to whom I spoke with that they will not honor anything,
I was so frustrated, and we fought for a whole week with no result and they came back saying if that I have to provide the time and to whom I spoke with.
I spent one night looking at my 2000 pages of phone bill and guess what? I found when exactly I made the call, so I forward this information to them hoping to get them locate that recorded message.
Guess what , I got phone call from my bank claiming that they found the recorded message and they claimed that it was their mistake for misinforming me, and it was a human error, and they will not honor this because they don't want to mislead reporting to credit bureau.
I went back to fighting with the LOSS Mitigation Dept Manager and told her to go check the recorded message for herself and she came back admitting in writing that I was right and the representative advised me that short sale will not effect my credit;however, they will not able to honor it.
I have the proof that I was misinformed and was lied to. I don't want them to destroy my credit.
What should I do? Should I keep fighting? Hire a lawyer ? Or dispute it when it hits my credit report?
If you are a lawyer or an agent or anything, please help me and give me your honest opinion.
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