Woman Almost Evicted By Company That Didn’t Own Her Home

Woman Almost Evicted By Company That Didn’t Own Her Home


I had this plan that when they came to take
me out of my house that I was going to chain myself to my washer and dryer. And when they
would take me away I’d ask them to put the load in the dryer for me. (laughs) The Friday before the 29th of June I found
out that the mortgage company, Pacifica, who was evicting me did not own the mortgage. Bill: So Pacifica did hold the mortgage at
one time? Connie: Yes. And they went to the Sheriff’s
sale and they bought it from themselves. And then in February of 2012 apparently they transferred
it back to Citibank. Yes, the notice for eviction was from Pacifica. Bill: You’ve been here how long? Connie: 16 years. I had refinanced with Citibank in 2006. In 2009 I lost my job and I approached Citibank
for a loan modification. And they said that I would have to be behind in my payments in
order to qualify for the program. So they told me to stop payments for two months if
I wanted to be in the loan modification program. Bill: Did they put that in writing? Connie: No. Most of this was on the phone.
So that’s what I did. Trusting them. And then they said I was put on a trial period and
then I did get a document with that on it. And that the trial period would last for three
months and then after that, they would decide if I qualified for the program. And they based
it on current, you know, making the current payment. And it kept going on on and on. It went into
nine months. And then Bill: So it was nine months that you weren’t
making a payment? Connie: I was making trial payments. They
are a lot lower than your regular payment. And then I was told that I didn’t qualify
and that I needed to make up all the payments, all the difference and all the late fees.
It came to something like 30,000 dollars. I think it was 2010. It was around 30,000 dollars that I had to
get in like a months time. I just called them and I said I can’t… first of all I said
I was told that I was going to get it. Every time I called during that nine month period
they kept encouraging me ‘just send the payments , you’re going to qualify. There’s no problem.’
And then I called and finally got someone that was somewhat sympathetic and he said
‘we’ll if you’re still on unemployment we can put you on an unemployment forbearance
program. And that’s three months and you’ll pay three hundred dollars a month and then
we’ll put all that you owe on the back of your loan and we’ll start you in a new payment
plan. I paid one month and they sold the loan to another company. Did not send any of the
records and told them that I had not paid anything for a year. The new company started
foreclosing on me right away. Bill: The new company was Pacifica? Connie: Well, It was Pacifica and then their
loan servicing company is the one that started the foreclosure procedures. I started a loan
modification with them. They did not accept me because I was so far behind according to
the records. Bill: When was the sheriff’s sale? Connie: November of 2011. They actually tacked on those late fees and
all the behind payments so the actual mortgage was 240,000. They bumped it up to 340,000
and then they bought it for that. I felt that I had lost my fight. And I started
looking other places to live. My credit rating was so terrible, I couldn’t find a place to
rent. One day I was packing and I just decided I
wasn’t going to leave. And I went to the Occupy Homes meeting at the Cruz’ house on Cedar. Two months ago? Month and a half ago? It hasn’t
been very long. And met all of these wonderful people. Met people that were in the same boat
and decided that I could fight it. I had no idea that this was going to happen. I was aware of two other empty houses on our
block, which is a big concern of our neighborhood. We had a meeting and I explained my situation.
Up until that point I was really embarrassed. And I hadn’t even been going to meetings.
And I think Occupy Homes Minnesota really gave me the courage to just go back into the
community and tell people my story. Bill: Did you get an eviction notice? Connie: Yes, they put it on my … I wouldn’t
accept it, so they taped 56 pages to my door. (laughs). Bill: Did you go to the hearing? Connie: I did. I wanted to make sure that
it was actually dismissed and I wanted to meet the attorney I just can’t believe it. I still can’t … there’s
been so many things go wrong. And to have it … you know… It just only proves that
this is not being dealt with properly. I don’t think anybody’s is being dealt with properly. It’s ruined people’s lives. And nobody has
backed up and said we’re going to do it any differently. Gone are the days where you know
your banker and you have to face the people that you business with. We can’t… we don’t
even have offices for some of these banks in Minnesota. Bill: Do you know where most of them, many
of them do their back office work? India. Connie: That’s where Pacifica does their work.
They’re building large gated communities. Pacifica’s main business is building and developing
gated communities in other countries such as India. They have one in, I think it’s San
Diego. It took the Attorney General’s office months to find the address even. One area that hasn’t been really talked about,
and I’m a health care provider, is the emotional and physical stress that is put on people
and children. And once I get my feet on the ground and get to a point where I think I
have this place saved, I want to develop some health care for people that have been totally
brutalized by this system. There was a …. I just listened to someone
talking on MPR about you have to start sending counselors in the police if they’re dong an
eviction. Or you know like at the banks when they start telling people that they’re going
to lose their house, that there’s counselors there…mental health workers. People are
killing themselves. And it’s not their fault. I asked the server why he even does this and
he says ‘well I have to make my money and last week I delivered one to my sister.’ This is going to go to the Attorney General’s
office in thanking them for saving my home.

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