When my husband lost his job it was before all these financial institutes went under, we were with wakobia bank at that time, They sold our note to Vericrest Financial. We sent them a hardship letter explaining all the facts and told them we would send as much as we could to catch up. We were told they would modify our loan and work with us, all wehad to do was keep making our regular payment for three to four months as a good faith measure to show them we were trying. So we did so. now we recieve letters stating that the payment we have been... read full review »