I haven't received the records I requested YET

[Guest guest]

The neuropsyche test result I requested copied Tuesday and I haven't

received them Yet. Everything is like a fight to get anything done.

I get another packet from retirement system and seems the quote I got

before for retirement disability is now $500 less. I wonder if

anyone knows what they are doing at the retirement system. I cannot

understand how to fill out all the forms and can't get my calls

returned either. There is something about taxes I do not understand

so maybe my tax man will know. I'm not sure with retirement

disability if I get to choose a beneficiary either. Maybe my HR guy

will help me if the retirement system won't. I just know I need a

paycheck in March and should be Jan.-March and that is the 25th I

have to wait to get them. I'm exhausted and not sure I can deal with

SSDI.

Haven't heard if I'm approved for the moratorium on my house payments

but will be able to pay in March if I get paid.

These weather fronts are killing me and wish they would stop. I'll

be glad when Spring and Summer is back now and stays light longer but

still we have fronts.

I watched An Inconvenient Truth last night which was interesting and

scary but I've believed in Global Warming all along.

Rhonda

[Guest guest]

Rhonda,

Number one, all these forms that you have to fill out you should get

help with, especially being in your condition and claiming you are

suffering severe illnesses. If you can fill out all these forms by

yourself and these people are not stupid, a disabled person a very

high percentage of the time, would not be able to do this on their

own and they know this. Most that suffer from severe cognitive

disorders, posts, emails, etc., most can not write a book

(longgggggg posts)or spell everything correctly, because of the

fatigue and other conditions. Just something else that they watch

for. If you can do this at home, you can still work is the way they

look at it.

Number two, don't be naive and believe everything your mortgage

company tells you, I've been this route many times. You better get

names, not that it really matters and get everything in black and

white, again not that it matters in the end. They contradict

themselves frequently. One reason you never know who will answer the

phone when you call them. You mentioned what they promised you,

their response, oh you didn't talk to me, oh they were incorrect, we

can't do that. If you do not pay for the month of February, your

next payment for March, April and May none of these will go towards

February, now they can foreclose and they will........ It happens

ALL the time. To get on the special program (whatever they may call

it) loss mitigation is what is was called for us, or hardship

program, to where they lower your payments, you have to be two

months in behind to qualify, 60 days (which we were not, but we

trusted them) we hated to do this because we were never behind and I

thought they would just tack it on the end of our mortgage (that is

what they also said) WRONG... Now it's time for them to play more

games, because you are only 30 days away from foreclosure.

They don't receive your checks on time, they hold them and then add

late fees (this is even with certified, next day delivery) you sent

it to the wrong office, we never received it. Ours even changed our

acct number and sent us a letter to mail our payment to this

address, only to find out that we should never have received that

letter and the payment(s) should have gone to the other office. Then

you get a threatening letter from their atty. stating you owe them

XXX amount of dollars (attys fees added naturally) Surprise, pay

this by a certain date, normally within less than a week or they

foreclose. Please don't think this doesn't happen, it has happened

to us more time than we can count. It's an evil game and you leave

them an opportunity and they will jump on it. Most likely what they

will do is wait till the amount is $5 - 10,000. late fees etc.,

before they notify you that you owe an X amt.

Just a word of caution. You are better off paying your mortgage no

matter what or where you have to get the money. Trust me, I know

first hand.

KC

>

> The neuropsyche test result I requested copied Tuesday and I

haven't

> received them Yet. Everything is like a fight to get anything done.

>

> I get another packet from retirement system and seems the quote I

got

> before for retirement disability is now $500 less. I wonder if

> anyone knows what they are doing at the retirement system. I

cannot

> understand how to fill out all the forms and can't get my calls

> returned either. There is something about taxes I do not

understand

> so maybe my tax man will know. I'm not sure with retirement

> disability if I get to choose a beneficiary either. Maybe my HR

guy

> will help me if the retirement system won't. I just know I need a

> paycheck in March and should be Jan.-March and that is the 25th I

> have to wait to get them. I'm exhausted and not sure I can deal

with

> SSDI.

>

> Haven't heard if I'm approved for the moratorium on my house

payments

> but will be able to pay in March if I get paid.

>

> These weather fronts are killing me and wish they would stop.

I'll

> be glad when Spring and Summer is back now and stays light longer

but

> still we have fronts.

>

> I watched An Inconvenient Truth last night which was interesting

and

> scary but I've believed in Global Warming all along.

>

> Rhonda

>