Dovenmuehle Mortgage

935200997

On or about the end of February, beginning of March 2019, my wife and I were approved for a hardship loan to covert our line of credit to this loan. When the loan was approved for $1, 277.89 payments, we were relieved that our payments were lower. I asked not one, but two representatives of the department handling our hardship loan if our taxes and homeowner's policy was included in the $1, 277.89 payment. Both their answers were "yes it was included" by the Single Point of Contact Department (SPOC). The weight was taken off our shoulders knowing that our taxes and H/O's policy was included. After all, the bank was there to help us with a lower monthly payment that was inclusive of taxes and H/O's policy payments.

This loan approved by the SPOC did not include the taxes or homeowner's insurance as I found out a few months later when I checked the Manchester Township tax website. Nor was the homeowner's insurance, I had to pay that as I was doing monthly bills. I called Dovenmuehle to see why the taxes and homeowner's insurance was not being applied and was told that the loan was not set up with an escrow account. I requested Dovenmuehle to send me a letter explaining what it would take to set up an escrow account to pay taxes. Shortly afterwards I received a letter stating that after paying $574 (and change) the escrow account would be set up, and payments would then be $1, 829 and change. Since I have very limited funds, I had to make it in two payments on the $574. Right after I made the second payment, I received another letter requesting that I make (yet another) payment to set up the escrow account. That after making the requested payment was made, the monthly payments would be $1, 765.98, inclusive of the escrow account for taxes. This led to another call to Dovenmuehle where I explained that I had made their requested payment of $574 to set up the escrow account to pay our property taxes. That I could not afford to pay the $1, 829 payment, but would make the $1, 765.98 payment. That when I was originally set up in the hardship loan by SPOC for $1, 277 it was to ease the burden that we were going through. Now I was in a situation where we had to pay an additional $489 each month. What happened to the original hardship loan that was to help us out?

In the meantime, our taxes were not getting paid and accumulating due to the fact that our limited income did not allow us to pay down our taxes. I even wrote Dovenmuehle requesting that the taxes be paid by them and the loan be extended (at the end) by whatever amount of time (Months or year) so that we could get back on track. I never received a response from Dovenmuehle. Instead late fees and other charges were added to this loan. The taxes were paid and the loan payment skyrocket to over $2, 700 a month, not added to the end of the loan. When we requested a hardship loan, our payment was over $1, 300 a month before the SPOC stepped in to help us. How are we to afford over $2, 700 a month (over twice as much as when we had the line of credit). Almost every day the collections department calls us wanting money we do not have. We consider it disturbing our quality of life (harassment), what little we have left after what the bank has been putting us through.

Shortly after we were approved for the $1, 277 a month hardship loan by the Single Point of Contact. Jennette Cruz, after explaining taxes and Homeowner's insurance were included, the car I was driving had an internal bearing go bad making it dangerous to drive, and at a cost of approximately $7, 000 to replace the engine, I had to consider that this was a 2004 car and there were other things that could go wrong with it. With that knowledge, and the $1, 277.89 being inclusive of taxes and homeowner's insurance, I based my decision to purchase a new car with 36, 000 mile/ 3 year warranty. I was able to finance this new purchase at a good rate, and have peace of mind driving to work every day in a safe car that would not have any mechanical issues. But I was comfortable with the $1, 277 loan payment and the monthly payment fitting into our budget.

I am trying to pay my homeowner's, and monthly bills, and the loan at $1, 765.98. In addition, we owe the IRS several thousand dollars, with a payment plan. I owe Social Security a few thousand dollars, with a payment plan. The Social Security department is kind enough to take any State refund we get. I have been trying really hard to keep it together with the payments each month, but the bank has to understand it's not easy. We have not been able to pay my wife's medical bills from two procedures done in the last year. We have had to put down one of our dogs because it was cheaper to do that than get him a needed operation that was going to cost thousands of dollars. Two of our dogs are on medication needed every month. One has a special diet where it has to be bought from the vet. Then there are my ten (10) medications, most for a heart condition. My wife is driving a twenty (20) year old car in need of work to make it safe to drive. Our church donations are at an all-time low (if at all) when we have any money to give them. With the Pandemic that China was kind of to send over to the U.S., my work hours have been cut down dramatically. I have made less than $16, 000 to date. Usually I would have made more than twice that amount, if not more. I do not see my hours picking up anytime soon. The unemployment I was collecting prior to March of this year ran out. When unemployment recalculated my new payment, it was for $200 less than what I was receiving. I am sure that there are several other things that we pay each month that evade me right now.

I have not been to a doctor or dentist in well over a year and can feel and see some teeth decaying in my mouth, yet I cannot afford to see the dentist, or a doctor to see why my back is in so much pain.

There was a time when I was able to collect an additional $600 with my unemployment when I was not working. That ended and to make over a $2, 700 payment to the bank (Dovenmuehle) is just not possible. I just received a payment from unemployment for FEMA lost wages assistance, but am afraid to touch it because what the bank is putting us through. Dovenmuehle has repeat ably added fines, late fees and other charges knowing that we cannot keep up with these adding undue stress and aggravation into or lives, changing the quality of our lives. This all could have been avoided if the escrow account had been set up like the SPOC department said it was in the beginning.