MetLife

My name is Kathleen Shute my husband is the borrow Cole Shute we have been a targeted by predatory lenders. We refinanced our home in 2006 so we could remodel it the broker named norm Zolkols lic# mc2236 (which belongs to American house of finance in Liberia since 1987 .He sent a man here to gather information the man was dropped off, we weren’t finished with the information and questioning and his ride came he fled with our tax returns and never came back. I called and was promised he, would return, they never did. We made it clear the loan had to be fixed, included tax and insurance, and reserve a life estate for my mother in law. John Donavan came and said sign here, here and here, initial here nothing was notarized my husband’s id never checked and he fled quickly also. Here starts the nightmare they filed a quick claim deed so that was costly to fix, cause our taxes to go up due to the tax freeze on life estate so after 6 months payments went up 600.00. WE were denied a loan mod. My husband’s income was lied about in 06 he brought home 1600 a month the sleazy broker put 2700 and the value of home was only 120, 000 on application it stated 220, 000. I just recently noticed these things our documents are not signed or initialed. So now we had a 1600 month payment witch that’s all he made in a month and I just had our second child and didn’t work so all other bills suffered along with his 700 credit score. We fixed this issue, in 2007 we were accused of not pay June July had to dig up checks fax to first horizon and they had to review it, they wanted us in for closer for second time .In 2008 our statements read MetLife we didn’t understand why when my neighbor had first horizon still. Our escrow was always short so our payments always went up, always applied for modifications never approved. In 2009 we signed up for an equity accelerator program which we would pay of loan early and have 43, 000 more in equity. We did this for a whole year until the flood 3/31/2010, we lost everything .I at that time called to inquire not apply what would happen if we couldn’t stay in this program .Ms. Webb a supervisor whom worked for first horizon said there was a special program for disaster victims she said not to worry she would handle the paper work and send it out.(I’m not on loan ) we never got anything in mail and our statements said 000.000 3 months went by we stayed in hotel for 90 days all day at house and slept at hotel at night. July my husband received a phone call saying we were going into for closer and we were 3 months behind .I immediately applied for loan modification and sent 2 payments they accepted (plus the month ahead) my august statement was for 1 month I sent payment thru bill pay they sent it back saying it was partial payment, found out in November the payment was rejected due to how I made the payment