This statement concerns mortgage fraud by Citifinancial Financial. This will explain unsound and unethical business practice of Citifinancial Mortgage. My account was delinquent. I was assigned to a loss mitigation specialist. We had been working out a resolution for quite sometime. We financially reached a resolution that satisfied everyone. I would now pay $750 instead of $1500 a mo. that I was presently paying. That amount would be quite affordable for me. I had retired in June 2002 and my income had decreased significantly. The loss mitigation specialist stated he would send me the required papers to sign. This conversation occurred Dec 16, 02. However before those documents arrived a fire occurred at the residence. The fire occurred Dec 18, 02. The mortgage was delinquent so was the property insurance, which was cancelled. Citifinancial sent me a foreclosure notice stating that the house would be auctioned Jan 7, 03. I believe this action was totally unsound and unethical. The loss mitigation specialist and I had worked out a resolution. I believe the foreclosure was an action of mortgage fraud by Citifinancial Financial.