My aurora loans told me today that they will review my loan in september''' After telling me, "you will get a packet in may" ? I now

have been told we will email the undrwriter's supervisor, not even dealing

directly with the underwriter Alma.Can someone please tell me if I should quit making payments again ?Is someone out there a banker who knows about these issues, I do not want to llose my home, but I am so sick of this bank getting away with leying to me every week to shut me up til next week when I call again, keep in mind I have been dealing with this dutch bank since feb-1-2009.

I have been reading quite a few of the reports on here and so have my attorneys. They advised me to post and ask if anyone might be interested in joining my lawsuit as a class action suit.

My story: I originally requested a modification in mid-2008 and was denied. When I lost my job in September 2008, I contacted them and told them I was concerned about being able to afford making my payments and wanted to find out what options were available to me. They said they could modify my loan based on need, but I could only demonstrate need if I didn't make my payment for 3 months. So, I stopped paying.

They never once attempted to contact me. When I received the Notice of Trustee Sale in March, I contacted them and agreed to enter into a forbearance agreement, requiring me to make four payments on time, in an amount exceeding my original monthly payment. I signed the forbearance agreement and sent all payments via either overnight or certified mail, so that I had proof I had sent them timely.

My last payment was due July 10, and I was still in the process of exchanging paperwork to help them determine what workout we could arrange. Like many other stories on this site, I sent them what they requested, then they told me it wasn't sufficient, and to send three additional documents. I then received a letter dated July 24, postmarked July 27, informing me that, due to not receiving ONE piece of paper, they would not be able to work with me, and would pursue other actions. I had been out of town, and didn't see this letter until August 2. On the 3rd, a real estate agent came knocking on my door to offer me "cash for keys".

Floored, I started researching and discovered that my home had been sold on July 30, only 20 days after making my final payment!

Here are some of the deficiencies we have found so far:

-required affidavits not filed with paperwork filed with county

-substitution of trustee filed a month AFTER the trustee filed a Notice of Trustee Sale (meaning they didn't have any authority to act as trustee at the time the notice was filed)

-breach of contract

-protocol not followed in starting the process all over again - if I had, indeed, been in default (as they are trying to claim), they were required to file a new Notice of Default, and start the process again

If you have any questions about your own situation, please feel free to contact me, and I will answer to the best of my ability. I am not an attorney, and I encourage you to find an attorney willing to give you a free consultation. And, if you find your situation similar to mine, please consider joining with me in this class action suit! You can contact me at: [email protected]

HERE'S ONE FOR THE BOOKS, WE RECEIVED AN INSURANCE SETTLEMENT TO REBUILD OUR HOUSE, WE SENT IT TO AURORA TO PUT IN AN ESCROW ACCOUNT FOR WHEN WE START BUILDING, THAT WAS FOUR IN HALF YEARS AGO, LITTLE DID WE KNOW THAT THE CONTRACTOR WAS REQUESTING MONEY, AND AURORA WAS RELEASING IT TO HIM WITH NO INSPECTIONS BEING DONE ON THE HOUSE. THE CONTRACTOR TOOK DOWN OUR HOUSE AND LEFT US WITH NOTHING TO REBUILD. AURORA ALSO OWNED GMAC MORTGAGE THAT THEY SOLD STATING THERE WAS HOUSE ON THE PROPERTY BECAUSE IF YOU LOOKED ON THE COMPUTER THE HOUSE WAS STILL THERE THEY NEVER TOOK IT OFF. ALL THAT IS THERE IS A VACANT PIECE OF LAND. THE CONTRACTOR WAS ARRESTED FOR FRAUD AND GRAND LARCENCY CHARGES, THEY ARE STILL REFUSING TO GIVE US OUR MONEY BACK, ALSO THEY STILL HAVE MORE MONEY OF OURS WHICH THEY WILL NOT RELEASE TO US. WE HAVE A LAWYER, HOWEVER, WE WOULD LIKE TO GET TOGETHER WITH OTHER PEOPLE THAT WERE DEFRAUDED BY AURORA LOAN SERVICES AND GO TO WASHINGTON AND GET SENATORS ENVOLVED AFTER ALL THEY WERE GIVEN FUND BY THE GOVERNMENT TO HELP PEOPLE BAIL OUT OF TROUBLE, AND IT LOOKS LIKE THEY ONLY WANT TO DEFRAUD YOU. PLEASE CONTACT ME SO WE CAN START SOMETHING SO THEY WILL NOT CONTINUE TO GET AWAY WITH THIS. YOU CAN CONTACT ME AT [email protected]

APRIL 2, 2010.

I was working closely with our lender (Aurora Loan Services) up until January 2010 when I became ill. My family has fought hard to keep this roof over our heads. I am a Doctoral student and working as an intern. My husband has been working hard to keep the family as a unit financially.
We fell behind during 2008/2009 for several reasons (my husband's student loans became due, I became disabled on my job, the birth of our 2nd daughter, her hospitalization when she became ill at 1 year old, costs of medication, our home was broken into and we lost over $20k in property and damage repair, etc). We completed a work out agreement with Aurora. I became ill and unable to make the January payment in a timely manner. The January payment was the 5th of 6 payments in the plan. I sent the payment a week after it was due. Aurora received the payment, cashed it, and sold our home anyway on 2/18/10, without notifying us. Our home did not sell to a third party; it is still owned by Aurora. We were never made aware that our home was up for sell. We also sent our February (6th & final) payment which would have concluded the foreclosure process. Additionally, they have our escrow surplus. We are not months and months behind on money owed to Aurora. We were scammed by Green Credit Solutions on a loan modification early on which cost us $3500. We have also requested a loan modification from Aurora and been denied or ignored several times. We are really working on this American dream, but it seems like it’s to no avail. We are a unit of 4, including our two children with very little help. We are up against a giant bank which probably has lawyers by the boat load. All I can say at this point is I am holding on to hope, telling my story and seeking legal advice. We have been served with a 3 day notice to vacate. Aurora is a mean & evil bully! Their customer service sucks and they could care less about people / families.

I do not know where to begin on dealing with Aurora.

If you want action go to Office of Thrift Supervision Consumer Response Unit, 1700 G Street, NW, Washington, DC 20552, they got hold of my letter that I had sent out to numerous people and it was forward to OTS. They gave me a case number and forward my letter to Aurora and OTS wants a responce from Aurora. Aurora sold our home right underneath when we were trying to modify our loan and we were on that forbearance program. Now Aurora got that letter from the OTS and Aurora is rescinding the duly noticed foreclosure sale of our property. So now we are just waiting to see what they are going to offer us.