In the spring of 2005 I called a siding and gutter company to get a qoute on having new siding and gutters put on my boyfriends home. We both reside at the residence and have been there since 1999. My boyfriend however grew up in the home. As a gift I was going to have the work done. When we signed the paperwork to continue with the work to be done, Iwe didn't realize until recently that the work that was done was financed as a home improvement loansecond mortage. I am not on the deed of the house. My boyfriend owns the house. He did however sign as a co borrower on the loan. Again under the impression this was like a regular loan not a second mortage.

A couple of months ago we had a situation come up and I called the finanical company about getting a deferment or make payment arrangments due to a income change in the house hold. At that time is when the manager Kevin stated that if I didn't make a payment the house would go into forclosure. That is isn't a grace period nor do they offer payment arrangments of anykind. I must say, also, the were very rude, and unprofessional to say the least.

Then today I get a call from Community Home Financial Services Inc saying my payment on Oct. 17 in the amount of 270.00 didn't go through on the credit card provided and I needed to call with another form of payment before the 31st of Oct. I called the credit card company. They informed me the credit card was authorized on Oct. 17, 2007 and the card was hit again 3 times and authorized again on Oct. 24th, 2007. I called Community Home Financial Services Inc back spoke with the manager stated the credit was approved on the 17th and again 3 times on the 24th. The credit card would fax the authorization form sometime next week once it posted to the credit card account.

With this most recent mistake, and they are not willing to even try and call their bank to see why the Oct. 17th amount hadn't been released and then they hit the card again 3time on the 24th. I feel they don't have their customers intrest in mind. One of the customer service reps, hung up on me stating I needed to come up with the money somehow or I would loose my home. Needless to say I have bad taste in my mouth about them.

My question is, how can they approve to finance a home improvement loan with me as the borrower and Bruce (boyfriend, and home owner) as the co borrower if I am not on the deed? Is it legal to do this? Also, if the house was to go into forclosure due to the home improvement loan does that mean it would show up on my credit as a forclosure even though I don't own the house? I never claimed to own the home, I thought I was getting a regular loan, Not a home improvement loansecond mortage. I am truly confused and unsure of what or how this worked out.

If someone could advise me and tell me whether is happens often, I would greatly appreciate it.

Thanks.
Trina Nix