Barack Obama
Obama standing with his arms folded and smiling
44th President of the United States
In office January 20, 2009 – January 20, 2017
Vice President Joe Biden
Preceded by George W. Bush
Succeeded by Donald Trump
United States Senator from Illinois
In office January 3, 2005 – November 16, 2008
Preceded by Peter Fitzgerald
Succeeded by Roland Burris
Member of the Illinois Senate from the 13th district
In office January 8, 1997 – November 4, 2004
Preceded by Alice Palmer
Succeeded by Kwame Raoul
Personal details
Born Barack Hussein Obama II(1961-08-04) August 4, 1961 (age 55)Honolulu, Hawaii, U.S.
Political party Democratic
Spouse(s) Michelle Robinson (m. 1992)
Children
  • Malia
  • Sasha
Parents
Relatives See Family of Barack Obama
Education
Awards Nobel Peace Prize (2009)Profile in Courage Award (2017)
Signature
Website

Home Owners Plan


Dear President Obama,

I am writing today wanting to share my frustrations with the mortage company we have. Northpointe Bank in Cedar Rapids, MI. This bank does not honor your homeowners plan and I believe that if you set a plan in place that all banks should abide. We have been behind most of the year and have been caught up now for about 3 months. When we were behind we asked for a forebearance or anything that would help us until we could get caught up. This bank doesn't even allow that. It was very difficult for us to get caught up with the bank where they were trying to make us pay 2 payments of 700 a month and we barely made it. Sometimes we were able to do it, other times we couldn't because we were getting behind on everything else. It is not fair that this bank could not help us other than harrass us for the money. We make the money to make the payment, when you live check to check its hard to get caught up when you get behind. We tried to refinance somewhere else but nobody would since we were behind on this mortgage. Our interest rate is 10.3% and that is in sane when all the other banks are lower right now to help folks like us. We are pretty much stuck and the thing is they know that and they don't care. We are up to date now and still get emails wanting to arrange payments. I just won't do that since we have been on time now for several months. There is no reason to make arrangements. Now we have late charges on the account due to the arrangements we would make to pay the payment and for some reason we are still getting late charges and I do not know if that is because we haven't paid the late charges and we are getting charged for that. They will not work with us on that, as some banks do, either like add that to the end of the loan to be paid off. Again I was told they do not do that type of thing. That is all we hear when we ask for help in ways that other banks work with people.. My frustration is we can't get out and they know that. When we asked them to refinance they wouldn't saying that it would be more than what we have now, which doesn't make since. I just think that every bank in the US should follow your plan to help people because we cannot get help anywhere. I believe this bank is ripping us off and I am sure there are others in the same boat with these concerns. They should owe us back all the fees they have charged while at least we were trying to get caught up because I kept in contact with them the whole time and set up payments with them to get this fixed.

Thank you for listening. I do not know if there is anything you can do, however I wanted to share my thoughts with you and let you know how banks are treating people that do not follow your Homeowners plan.

Thank you again and God Bless

Rebecca

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