Did I miss something? Has the company failed? Or has my contact inside CitiMortgage dropped dead of a heart attack or stroke?
Those are the only reasons I can think of that this man, let's call him Kevin, would skip a phone date to talk about my house. The house is now two weeks from foreclosure, after two back-to-back forbearance plans lasting 18 months total.
Kevin was the guy who granted my second forbearance plan after Citi's evil law firm slapped a foreclosure notice on my front door. That note was found by Older Son on his way in. Think he wasn't upset?
For more about this so-called "law firm," Routh Crabtree Olsen, P.S., see: Foreclosure: Cast of Characters
And it must have been posted by elves, because Constant the Wonder Dog and I were both home and neither one of us heard anyone on the porch. Connie didn't bark at all.
Never mind that I had sent in the application for an extension on my forbearance plan, which Citi received but never bothered to get to work on. Meanwhile, the collections dept. kept sending me threatening letters telling me I was a deadbeat and about to be evicted.
I ignored them, for the most part, because that is what Citi did the first time--send "you are scum" letters at the same time it was working on my forbearance plan. When the plan arrived in the mail, signed and sealed, the nasty letters still kept coming.
As I said in my communications with Citi at the time, "The left hand doesn't know what the right hand is doing." Terrible cliche, but appropriate for the inner workings of CitiMortgage.
The more recent, 12-month forbearance agreement is due to expire this month. To keep my house I need to make a huge mortgage payment (I used to make good money) on October 1, and every month thereafter for the next 27 years or so, or enter into another agreement with the company.
Of course, I have no money. For a year or two now, my readers and Older Son have been paying a big share of my bills, both routine expenses and for trips to S. California every three weeks so I could get the life-saving drug T-DM1 in a clinical trial.
So Kevin is e-mailing every so often (and I tell him that the deadbeat letters are still coming--got one just last week, in fact), and in August I explained my priorities:
The month of August was devoted to saving--or at least extending--my life by fighting with Genentech and the FDA. The month of September, assuming that I did win the fight to get the T-Drug in Seattle, would be devoted to negotiating with Citi.
First, my life. Second, my house. That's how I saw it. I couldn't fight these two battles at once.
We made a date to talk on the phone. I think I had to postpone that one because I hadn't heard from the FDA yet, or Genentech, so we made another date. --Wait, I never did hear directly from the FDA or from Genentech that I was going to get T-DM1 in Seattle. Hum ...
We made another appointment, for 4 p.m. last Thursday, the day before I was supposed to go to SCCA for some tests/scans required by the T-Drug clinical trial. Still no answer from the IRB, which I was told had final say over my getting the drug, NOT the FDA.
Still following? I know it's confusing. Do you think I wasn't confused? I'm still confused.
Those of you who read my blog regularly will recall that I have been just a little busy here (sarcasm alert), saving my life and lobbying an evil drug company and the government agency we like to call "The Federal Delay Agency."
And it looks like I have won. I get my first T-DM1 treatment in Seattle tomorrow. Never mind that that battle took me 18 months. Check my T-DM1 category if you don't believe me. Please remember, stress makes breast cancer progress faster.
Kevin has been very nice and has checked in with me by e-mail and occasionally phone--guess he can't read either--throughout the year. I sometimes suspected he was really checking to see if I was dead yet, since I did not expect to live longer than the one-year agreement.
Sigh ... Now that I'm going to live another year at least, possibly longer, I have all these problems to sort out. Don't even ask me about the IRS! Or the business license folks ... they keep calling and it is years since I've made a profit on any work I've done.
Back to Kevin. He e-mails every so often, and sometimes I reply. He got in touch recently saying that we were getting pretty close to the end of the agreement, and did I want help from him to sell my house? The house is now officially "underwater," so why would I go to the trouble of selling it myself? The entire cost of the house would go to Citi, none to me.
I'm not stupid. I told him at one point, when he asked about my plans for the end of the agreement, that I would start making payments again if I could afford it, sell the house if I would make some money on the sale, or just hand it back to Citi--it's all yours, guys. Add it to your supply of unsold inventory.
I've heard that some mortgage companies and banks are burning these houses down, because they can't sell them. But, yet again, I digress.
It was Dr. Lee who told me late on Thursday last week that I was indeed in the trial. He didn't call me before because he figured the two people who had told him, including Dr. Terry Rugg, my nemesis at Genentech, would tell me.
Not Dr. Rugg. He didn't even reply to an e-mail from me, the author of this blog, a journalist by training, asking him to confirm what he had told Dr. Lee for publication. I do like to get my facts right.
I e-mailed Kevin right away and told him I was in and could now think about my house. We had been talking a bit along the way about what I wanted (what a concept!).
I had said, "You should just give me my house." And I added something about all the good publicity Citi would get for doing this:
CitiMortgage gives house to dying cancer patient ...
Woman Battling Breast Cancer Has One Less Worry ... (or should that be, "fewer worries"?)
Surprising Generosity From Citi ... (this one is in the business press, of course)
Really, I was prepared to settle for a further extension on the forbearance agreement, to give me time to make some money now that I am in remission and feeling pretty well. Still walking with a cane, but I've started to have fun with that too. I danced, with my cane, for two solid hours at last weekend's neighborhood block party. (Yes, redundant, I know, but that's what we call it here in Ravenna.)
Kevin and I make a plan to talk at 4 p.m. on Monday, September 12. This week.
I did send Kevin this e-mail one hour before he was supposed to call me.
Hi Kevin--I'll be expecting your call at 4. Mostly I'll be sitting by the phone, but if I don't pick up please try again in five minutes as I may have gotten too far away to reach it before it goes to voice mail. Your call is my priority for the rest of the afternoon.
Some things to think about:
Even though I am in clinical remission, I am a very sick woman. (I don't like to say that, but it is, unfortunately, true.)
If you like, my therapist will happily write you a letter [saying] that one reason I have lived as long as I have is because I have this house, with my dog (gone if I have to move into an apartment), the kittens I foster (also gone), my garden, my goldfish pond by the front porch, and, most important, the friends and neighbors who surround me. Sage, my favorite 6-year-old in all the world, lives right next door.
I have been suicidal at times, usually when I was depressed or at my sickest, and my therapist will tell you that the house saved me--because of the dog, the garden, the friends in the neighborhood, and even the wonderful light ... She will put that in writing if you like.
I raised my sons in this house as a single parent, and they are both in and out a couple of times a week--to help me with chores, to have a meal, or just to talk with me, which we do for hours at a time. They are 26 and 21--too young to lose their mother. I know this: My father died of cancer when I was 21.
Some links, with photos that make my point:
http://assertivecancerpatient.com/2011/08/narration-on-the-front-steps.html
http://assertivecancerpatient.com/2011/08/how-to-get-artistic-types-to-show-up-on-time.html
http://assertivecancerpatient.com/2011/08/having-waaay-too-much-fun.html
Sons:
http://assertivecancerpatient.com/2011/03/wake-up-and-smell-the-pepper.html
http://assertivecancerpatient.com/2011/03/help-japan.html
http://assertivecancerpatient.com/2010/12/christmas-gifts.html
http://assertivecancerpatient.com/2010/12/a-last-photo-from-kyushu.html
http://assertivecancerpatient.com/2010/11/younger-son-is-coming-home.html
http://assertivecancerpatient.com/2010/01/modern-family-and-my-family.html
http://assertivecancerpatient.com/2009/01/cast-of-characters-older-son.html
I could also give you links to posts about my garden, my dog, and fostering kittens, but I think I've made my point.
You should know: I just finished a three-hour interview with Carol Ostrom from The Seattle Times (she's their best health reporter). I told her my next big battle was to save my house from foreclosure by Citimortage and that I was talking to you at 4. She wants me to e-mail her and tell her what happened as soon as you and I get off the phone. That's not a threat, it's just a statement of fact.
Thanks,
Jeanne
PS: Search results on google for "Carol Ostrom" "Seattle Times":
https://encrypted.google.com/#hl=en&sugexp=gsis%2Ci18n%3Dtrue&cp=13&gs_id=1e&xhr=t&q=Carol+Ostrom+Seattle+times&tok=PEJ9J0LJJVk1wkIZ91KWqA&pf=p&sclient=psy&source=hp&pbx=1&oq=Carol+Ostrom+&aq=0&aqi=g1g-v4&aql=&gs_sm=&gs_upl=&bav=on.2,or.r_gc.r_pw.&fp=20dbb3f1de671a75&biw=1280&bih=610
So, does Kevin call at 4? He does not.
I e-mailed him that same day--let's give the guy the benefit of the doubt, I thought.
I think I e-mailed again yesterday, and finally, today, I called him twice, at 3:10 p.m. and 4:56 p.m.
His voice mail picked up. No return call. No e-mail reply.
WHERE IS KEVIN?
I suggest that you, my faithful readers, e-mail Citi's CEO, and also their very expensive PR guru, and ask them. While you are writing, tell them to just give Jeanne her house.
The CEO: Vikram.Pandit@citi.com
The Expensive PR Guru: edward.skyler@citi.com
Maybe add a CC to Kevin, just in case he hasn't dropped dead: kevin.j.siwek@citi.com
Here's a quick summary of what happened last time:
A Comment From Citimortgage--Is This for Real?
Citigroup--Are You Listening?
@ Jeanne Sather 2011. Please respect my copyright. If you don't, I'll come after you with a paintball gun, and then I'll sue you. Believe me, I need the money.