We have filed a law suit against Citi Mortgage. We went through a lengthy, unsuccessful modification. They documents were constantly contradicting, the denial letter stated one resource they used to make their decision is a letter from both parties stating the child support income. We have never received or paid child support in our life. Our income is inflated in the denial letter. I am also 99% positive they have violated the dual tracking law. They have responded denying the complaint. Now I have to respond. Is that called affirmative defenses
. I am not sure the format to respond back
JA: Because family law varies from place to place, can you tell me what state this is in?
JA: Have you talked to a lawyer yet?
Customer: Yes they felt we had enough to have a good case. But they want $4000 retainer fee plus $1000 a month until resolved. Plus 40%
JA: What advice did they give you?
Customer: They think citi might offer to pay off our mortgage since we only owe 75k and have a home value of 250000. They said basically I can call the shots
JA: Anything else you think the lawyer should know?
Customer: I could write a book. Their employees
are improperly trained or lack of training. They had us go through 6 different processors in one year meaning every time a new processor we had to start the modification process over. That was one of the complaint to the CFPB. their response was we requested a new processor. Which is a lie. Every time we had a new processor we got a letter stating because of internal business change.