[christi a]

customer/homeowner has his mortgage payment taken out every month and? The mortgage payment is deducted each month from the same bank checking as the mortgage lender (same bank). No collections calls ever occurred, no letters, no conversation or contact then one day two weeks ago there is a foreclosure notice that the homeowner owes $11K and is in arrears months behind. The next week the sheriff comes and say you have a week to move out, butis showed and explained the homeowners have paid every month, no return payments no notice nocontact made by the bank/lender. The homeowner calls the bank several days and can't get anyone who will help until one contact made with a representativee say the bank never got their money. They are behind. They bank can't explain where the money went but they find out the property has already been sold. What the heck are these homeowners supposed to do? Can they get an injunction asap to stop the eviction? can they sue? do they need to come up with attorney monies if they prove they have proof and are not in error? How do they get the bank to find the payment monies and explain where it went. Could this be fraud? What is the homeowners rights at this point?Why isn't the bank/lender responsible to trace where the money went each month?