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Has anybody settled a Heloc with PNC bank? I have heard they are one of the worst to settle with. I owe them about $85K - I think it is a purchase money heloc in California but I am not sure because I used the money to buy the house, then about a year into it I paid back about $30K to the Heloc, and then I wrote a check for $30K 6 mos later. So maybe $30K of the money is non purchase? Not sure if they can break a loan apart like that. I never refi'd.

I called about a settlement and they said they don't settle and asked for 85%!!!! The house is underwater big time. I haven't paid since Jan 20.

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