Product: Debt collection

Starting in XX/XX/XXXX, my complaint began with XXXX XXXX, a debt collection agency, who reassigned my mortgage to Gregory Funding also a debt collection agency. Gregory Funding did not contact me to let me know that they were officially my mortgage servicer and did not send me any correspondence for acknowledgement or agreement to send any payments to them. All I received was notification of their intent to collect these payments. At no time did they identify themselves. I was receiving a P.O.Box from them in XXXX, Oregon to send the payments to. I began sending in the same payments that I had been sending to XXXX XXXX. Shortly there after, I received notice that they had not received my payments. I called them on the phone and was transferred to an automated system which asked me for codes and agents names. I did not have any of these and therefore, the call went unanswered. They later called me and once again they stated that they had not received payments and that they were looking into other options. When I suggested sending further payment by registered mail, they stated that things would go faster if I gave them my bank account. I said,, " H '' no! I need a physical address to send my payments to.. They told me to keep sending it to the P.O. Box. I was not comfortable in sending it to a P.O.Box and asked them to give me an actual address to where I was calling. They seemed resistant. They eventually gave me an address in XXXX, Oregon which I began sending the payments by registered mail. I began getting calls from Gregory Funding. They wanted information about my income so that they could do a loan modification and they wanted it faxed. The next day, I called to see if they had received it? That's when they said they had not received the fax and had no record of anyone in that office who had talked with me. A woman called from Gregory Funding and said they had received part of a fax, but could I resend it? The next day, I called to see if they had received it? They said, no. An argument insued. And the call ended.

A week later, I again received a call from Gregory Funding. I explained my displeasure and I asked why they had not received the faxes and why they said that no one in the office had talked with me? This is when the woman said that I may be calling the wrong office. She gave me a physical address which is on XXXX, Oregon. 
Because of the confusion and loss of time the loan modification did not go through successfully. I became frustrated, perplexed, and angry because of the lack of communication. After receiving statements from XXXX  XXXX XXXX, we discovered the principal debt on the home was slightly over {$10000.00}. But the total indebtedness was {$23000.00}. This is because at some point the property taxes were not paid. We then received notice that foreclosure was a possibility for non payment of property taxes. We then contacted the tax agencies and made arrangements to catch up and bring the back taxes current. But before we did, the mortgage servicer stepped in, paid all of the back taxes, and added that total to the mortgage. 
In the meantime, the home needed maintenance and repairs. Because there was no viable credit, we had to pay for all work out of pocket XXXX ie ) roof repair, replacement of doors and locks, repair/ replacement of sewer line, furnace work, and replacement of hot water tank plus plumbing work. 
We are now receiving notice of legal action from Greory Funding.

We filed for bankruptcy but the bankruptcy payments were too high and we fell behind in utility payments. We opted out of bankruptcy. Gregory Funding agreed to accept a lower payment. We sent them {$400.00} a month. This continued until XX/XX/XXXX. 
They then contacted us with a recalculated payment plan of {$420.00}. We told them not to pay the taxes because we would do it. They were not happy. 

To conclude we received an Act 91 Notice and a letter to accelerate and foreclose. The agencies listed in the Act 91are suppose to be helping resolve this issue. The issues being, who are you? Agency identify yourself, where are you? Agency give a valid address, and under what authority do you have to collect money? Where is the contract or service agreement? Where are the receipts for my payments? ( ie ) the only statement I have received is showing the {$420.00} that I send you. Of that, only {$19.00} is being paid towards the principal. I also discovered that I was entitled to rebates and discounts on my taxes. I had never heard of this before and I'm asking where did the rebates and discounts go if I did not receive them? I called the tax office and they explained to me that information about the reception of payments and transactions of notices is sent to the payer of the taxes who at that time was the mortgage servicer. 
They were suppose to notify me of any transaction about the taxes, but they did not. That is why the taxes are behind ; however, now that I am paying taxes on my own, theXX/XX/XXXX taxes are paid. XX/XX/XXXX are under payment agreement. I will be working on the current taxes. Also, I am still sending them $ XXXX month.