what the heck did i do in this life or any other life to curse me with what i am going through now?!
sept.28th i spoke with my mortgage people about fact that i have NO income due to medical leave & rep told me i must file for "hardship program" (8 page application) THEN i can file for "forbearance" (only a 2 page application)to help me with my mortgage payment while i have no income. now, today, i called & diff rep told me hardship program only lowers payment, doesnt help when you have NO income, & that i should be filing forbearance! i told her that a month ago i was told the opposite! she dealt with my "unhappiness" well, & walked me thru 5/3 online how to do it fastest way. but i could have done that a month ago & been done with this & had my mortgage (possibly) taken care of by now! instead, i have not been able to pay my mortgage for the first time in 4 years (this month) & it's getting late fees & damaging my credit. AND she is not sure they will retro help me, but she said she will ask about it considering the situation. GAAA!
oh... and while i was typing the above note, my employer called and said they are officially putting my job up for bid. so when i am able to return to work, i will have to apply online and interview and be awarded a new position within the company. and as of april 25, 2010 my medical leave benefit will exhaust and i will be separated from the company if i have not yet returned.