Consumer complaint received 2022-03-11
Company: LD Holdings Group, LLC
State: ND
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : I am writing to day to to explain the last 4 yrs. of life and the hardship my son and I have faced due to not being recognized as a Successor of Interest. 
My son and I are both on XXXX and we need help from HUD or a lawyer. I believe our rights have been violated and we need someone's help. If nothing else just help us save our house. 

In XXXX my husband came to me and told me that the bills were piling up and he wanted to refinance the house. He told me he had looked at lenders and Loan Depot said they would help. 

When Loan Depot came back with the loan material I was not on the note. They were offering him a 30 yr fixed FHA loan. I didn't think this was a good idea I had been on the note for 15 years. This is my house, and you want to take me off it? The gal on the phone explained to me I would have just as many rights as my husband. I would still be on the mortgage. I asked for time to think about things for a while. ( My credit was not that bad, I was working full time and bringing in 50k ) The agent called two days later and said if we didn't sign the paperwork the deal was off the table. 
I signed the forms but didn't realize just how much I was really giving up. This has been MY home since XXXX. My children and I moved into the house in XXXX before I got married. My mother even helped with the down payment. 

In XXXX I was released from my job due to illness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX of XXXX I found out that my husband was involved in illegal activity. I filed for divorce for my own protection. It was then that he left the home. I continued with the divorce but wouldn't sign the paper work. I was forced to run the divorce in the news paper for XXXX months. I was finally granted a default divorce in XXXX of XXXX. 
The judge gave me the house back free and clear of my husband. He also issued a decree stating that if he did not sign a quick claim deed a summary of real estate would be granted by default. The county removed his name from the title on the home in XXXX. 

By this time I had exhausted my 401k and any unemployment paying for medical bills the utilities and higher house payment on my own. Even though I called Loan Depot and asked to speak to someone about a modification I was denied. They wouldn't discuss anything with me because I was not on the note. I spoke to their lawyers assistant at the time and XXXX informed me that they would talk to me after I submitted the divorce decree. I was now a Successor of Interest due to my divorce. They never did. The loan went to collections immediately and then sold to XXXX XXXX in OK. ( This was wrong!!!! ) Loan Depot should have recognized my legal documents. The loan amount at the time was XXXX dollars with late charges mounting. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX obtained my loan in XXXX of XXXX. I reached out to the bank asap to discuss a modification ; but they wouldn't talk to me either. It was the same story, you are not on the note. We need a quick claim deed. Meanwhile foreclosure had started and the sheriff was coming to my home. How humiliating. I was getting no where with the courts, lawyers or bank even HUD was at a loss. 

In XXXX of XXXX I lost my mother to XXXX  nothing seemed to matter at this point. I reached out to a realtor to sell my home in XXXX of XXXX. I was denied the right to sell. I was not on the note. My realtor resent my court documents of the divorce, Summary of Real estate & my taxes. XXXX XXXX would not budge and denied us the information we needed to proceed. They still insisted on a quick claim deed. 

In XXXX pandemic hit ; I called in the end of XXXX and I was shocked when the man on the other end of the line was willing to speak to me. He granted me COVID relief and I was ever so grateful. I also asked him what had changed ... Why was he talking to me now? He informed me that I became a ******Successor of interest in XXXX of XXXX. 
I asked him to send documents showing this. 
I requested the full amount of COVID protection for myself and my son. I believe they only did this to get the HUD funds and fees. 

My XXXX was granted in XXXX of XXXX. The judge informed me that my payment would start in XXXX of XXXX. This was great news!! My son and I want to stay in out home. Our combined incomes should allow for this. We have been here for 19 years does this mean nothing? 

My COVID protection was going to be up in XXXX the same time that my XXXX would start. I reached out to XXXX XXXX in XXXX to get things started. Assumption paperwork was sent out but my signature and income wasn't enough? Things were never right they played with me like a mouse. Stating a modification couldn't be granted without the assumption. Then they wanted the outstanding paid off but if course we couldn't do that. We had been living off of my son 's XXXX for a year and a half. 

There was also an instance where my id didn't match my social security card so they wouldn't accept that. Things were so frustrating working with customer service agents. 

We just went back to court to say the foreclosure had been accelerated. We need help!!! 
Things have just started going in the right direction. We can pay just give us the amount you need. 

XXXX XXXX Sent from XXXX Mail on XXXX

Company response to consumer: Closed with explanation