Couple faces foreclosure after mail confusion

Mr and Mrs Wong have lived at the same address on Rugby Road since 1979. Today, they almost lost this house in an ongoing foreclosure case, even though they had the money to pay off their previous installments in full.

Mr. Wong, an 81-year-old retired engineer, started showing signs of dementia in 2018. That same year, their mortgage bank, Citibank, changed their mortgage service provider to Cenlar, a third party company.

When this transfer took place, the bank said it sent letters to the Wong’s home, asking them to sign Cenlar’s continuation of their automatic payment plan, but the Wongs never signed the document, assuming the literature was spam and never heard of Cenlar. .

Now, three years later, with their mortgage hearing delayed due to the coronavirus pandemic, Mr. and Mrs. Wong’s daughter, Simone Wong, has contacted Team 12 Investigates. She has been fighting for her parents to keep their house for almost three years.

The 12 investigative team verified that the Wong family had funds intact in their bank account, which they have since moved to Santander, to cover any mortgage payments they owe if their automatic payments never stop. Simone Wong says the banks have refused to act in good faith and accept the money, which they are willing to pay in full.

Instead, News 12 obtained a paper correspondence between the Wong family and their bank, which offers only one alternative to foreclosure – a new 6.125% percent loan, for an additional 40 years.

We contacted the two banks, who did not comment within the requested timeframe. Instead, the Wongs told News 12 that they contacted the Wongs’ private attorney, offering to reinstate their loan and waive all late fees.

News 12 contacted Citibank and Cenlar. Cenlar released a statement saying: “At Cenlar, we take any occurrence of homeowner complaints seriously. However, after a thorough exploration of the facts in this case, we have no evidence that the claims made by the owners have any basis. We still want to do everything. what we can help keep homeowners in their homes – this includes educating homeowners about their mortgage requirements as well as offering and delivering mortgage assistance solutions, which we have done in this To this end, we work diligently with the mortgage rights owner and investor concerned to approve non-standard options that may assist homeowners.

This story is ongoing.

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