The material presented
here is not Al-Anon Conference Approved Literature. It is a method
to exchange
information, ideas, feelings, problems and solutions on a personal
level.
This is how insane it is. I just got an email from my mortgage advocate. His job is to do all the paperwork and communicate with the Mortgage company. He is doing it for me as he is a friend of my adoptive dads.
The mortgage co. put the date up again. Was told more than once we would have a contract or answer if I had to move this month.
Now am moved up to March 14,11!So now they still won't let me pay a payment, and will charge me late payments PLUS probably charge me attorney fees again. They offered me the mod in the first place!
I have been feeling better lately since you guys supported me and Jerry suggested I research.
When I became proactive and faced the what ifs, and made different plans and seriously thought about them, the anxiety is almost gone.
There are people being foreclosed on who are paying their payments and had NO idea it was happening! This is not all.
There is so much conspiracy, fruad, mistakes, we are in trouble as we know.
So I just keep putting money away as if I had a payment. Paid all my doc bill off now. then if it does go sour I will have a good chunk for my big RV by April next year.
I like the thought of an actually Rv I can drive and park. Be nice to be able to go park and see people I love that are far away.
My adoptive dad made it clear I am very welcome to come there and bring everyone. I can park by the barn that has power etc. I would HATE losing my doctor though. I would like to take care of Dad. I suppose I could train up to see my doc. Believe me he is worth it. He '"gets" me and validates me.
He knows from experience, as he has tried to kill me a couple times, lol, that I am one of those in that tiny % who reacts badly to most meds.
Dad has been my real dad, though adopted me in 2000 when I lose my mother.
This is where it shows that Al Anon is soo very much more than just for problems with loving an A. It honestly teaches us lifeskills. The support and knowledge I get from here is priceless.
I don't know why but i feel like HP likes me. He seems to always take care of me and the critters. I am so humbled and grateful.
thank you, all of you,debilyn
-- Edited by lyndebi on Wednesday 8th of December 2010 07:36:14 PM
I have no idea how you keep this whole mortgage thing together. I am so frustrated with it and I am not even involved! I give you a ton of credit for letting it unfold as it should. And even thinking ahead with the money and rv idea.
You appreciate and love the people in your life. And you are completely right. It IS about lifeskills. I'm glad to have "met" you.
Deb I think the first visit with a consumer protection lawyer is also free. If they want my place they are going to have to work harder than I do to get it. (((hugs)))
Love the photos! ... and Love the way you work the program!
Many years ago, I had a bad experience with a mortgage company when I was refinancing. I learned that when it doesn't make sense, something is wrong. Eventually, things got straightened out in my favor because I had everything in writing:- what I paid, what I wanted to pay, the mortgage company canceling the closing and would only reschedule outside the deadline, the mortgage company asking for double points because of the cancellation, etc.
When I hear what is happening with you, I can't help but think there may be ways to avoid future late payments, maybe even attorney fees. If you haven't already, consider having everything specified in writing to and from you and the mortgage company.
Hi I am writing from UK but just wondering if like here, you have free advice centres, or someone who governs mortgages/lawyers fee's, it might be worth looking into, or a debt agency that will act on your behalf?
I struggled with an authority for 7 years, filled all my own forms in etc, then was advised to go get free advice, they filled the forms in, and just knowing that another agency is invovled can work wonders, and I was sucessful for the first time in 7 years,
As regards your HP liking you, of course he does, HP's are full of love and mercy and compassion, my HP is God and I firmly believe he loves me the way I love my son, like a loving gentle kind caring parent, hope you can see this because it will help you enormously to know or understand your HP cares for you, he is after all on your side and working for your good!
failte
-- Edited by failte on Thursday 9th of December 2010 10:58:14 AM
