Home loan

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Category: Business & Finances

Contact Information
O'Fallon, Missouri, United States

Home loan Reviews

Shakeel A Khan August 21, 2009
Name in defaulter list
I have availed a housing loan from Citi Bank/finincial .I am regular payer of loan still my name is in cibil Why my name is reflecting on cibil ?
M Williams July 13, 2009
Refinancing
My home loan was assigned to Wilshire Credit Corp. and then I later refinanced my home. The Title Company that was responsible for paying off my loan to Wilshire did not pay it in a timely manner. Even though each and every payment that I made to Wilshire prior to refinancing was in a timely manner and never late and they were aware that the home loan had been refinanced and I was not responsible for the late payment by the Title Company, they still (after repeated requests and disputes) refuse to remove the negative reporting to the credit bureau.
August 21, 2008
Missing Payment when Purchased Loan
My loan was purchased by CitiMortgage on 5/1/08. I had been going along with no issues on my home loan previously, able to pay the invoice on line, look at my history etc. ... then came this.
I made my last payment on my mortgage to the old provider in April. I called CitiMortgage when I received their notice letter on 5/15/08 (14 days after they took over the loan) to make my May payment and find out all I could about who now held my mortgage.
Little did I know that this would be the first of many calls to try and straighten out a missing payment that was made at the time of the transfer of my loan - which by the way is still MIA.
I have spoken to 13 people - 5 of which are supervisors and have faxed and emailed a total of 9 times the same information to get this issue taken care of.
When my loan transferred to CitiMortgage it was around the same time my payment cleared the bank for the old provider, needless to say CitiMortgage stated I had not made that payment. I have provided them with a copy of my on line bank statement showing the payment along with the email confirmation that my old providers system sent out when you made a payment.
Again, my first contact was on 5/15/08 it is now 8/20/08 and I still do not have this rectified. As a consumer I do not have any other documents than what has been sent to them to prove that I made the payment. Three days ago I received my first letter from CitiMortgage regarding all of this and they tell me that the online bank statement that I sent (with my balances crossed out- none of ANY ones business) was not sufficient enough. They needed to see my balances. I could not believe it. First, why has it taken 3+ months for them to tell me this and second, why are the balances on my accounts necessary to them to see the payment being made and taken out of my account? It clearly shows that it was made, who it was made to and on what date with the amount.
I am at a loss on what else to do. I tried holding a payment as they had given me a note reference number stating that they would not report my account late to the credit bureau - which guess what- they have- and that did not work.
I did not ask to have my loan moved, I did not ask to speak to people and deal with people that do not care about their customers.
I just want my account fixed so I can go back to making my payment online once a month and not have to deal with anyone.
April 15, 2008
Furnishing foreclosure certificate
Dear Sir,
I am a ICICI Home Loan customer. I took amounting to Rs. 2, 90, 000/- for construction of building in 2005. My Loan Account No. is LBNOD00000951712. I require urgently foreclosure certificate against this loan. My address of communication is HOUSE No. 5/1590, VASUNDHARA, GHAZIABAD-201010. My date of birth is 01/07/1974 and EMI of this Loan is Rs. 3841/- per month. I will be grateful if this certificate is sent at my e-mail address [email protected]. Thanking u.
January 3, 2008
Be careful when dealing with ICICI Home Loans
I am a salary a/c holder of ICICI Bank for last three year. I and my wife had applied for Home loan 5 months back. All proofs (includes originals and estimation coast) submitted and processing fee paid. One of the Technical people visited the site & he has demanded the some amount on the spot. After that the person who took technical value, he has given total building construction cost 11 lacks out of 25 lacks worth cost. For that I have raised below request numbers of request for second time technical valuation with different person, but ultimately no use and after that they promised me to ready to give 15 lacks. So finally I have approached with another bank (One of the Icici bank competitor) and got the sanction amount of 25 lacks.

These are the request numbers:
Application number: 7777426769
1) Request no: 43301198 on 01/11/07
2) Request no: 44153576 on 08/11/07
3) Request no: Request no. not received on 12/11/07
4) Request no: 44796783 on 15/11/07
5) Request no: Request no. not received on 28/11/07

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