Consumer complaint received 2018-05-07
Company: Caliber Home Loans, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have lived in our home for 34 years. 
We made a Loan with XXXX in XXXX of {$100000.00} XXXX was the Lender & the Loan Servicer. 
Each month we would receive a " statement '' from XXXX to make our payment. 
The payment was {$740.00} In XXXX we filed for Chapter XXXX Bankruptcy in XXXX, MO with Attorney, XXXX XXXX XXXX. 
XXXX was NOT included in the Chapter XXXX Bankruptcy, as we were prepared to make our monthly payments to XXXX as usual. 
XXXX was notified of this. 
We paid off the Chapter XXXX in XXXX Since XXXX XXXX ceased ALL communication with us. 
XXXX sent NOTHING No " statements '', No mail, No phone calls, nothing. 
We tried calling XXXX for over 6 months We tried to find out where to send payments, but every phone call to XXXX was met with " we can not talk to you about your account while you are in Bankruptcy ''. 
We wrote letters to XXXX with no replies from XXXX. 
We were always prepared to make the Payments as agreed. 
Our Bankruptcy Attorney, XXXX XXXX XXXX, called XXXX and was met with the same answer. 
Our Bankruptcy Attorney XXXX XXXX XXXX, told us the XXXX will contact us after the Bankruptcy is finalized. 
We paid off our Chapter XXXX in XXXX and still " nothing '' from XXXX. 
It has now been " over 10 years '' since our last communication with XXXX and we received a " notice of Foreclosure '' from XXXX. 
It is then I contacted our " now '' Foreclosure Attorney, XXXX XXXX. 
XXXX has since sold the Loan to Caliber Home Loans, who has filed Foreclosure. 
Caliber Home Loans has since sold the Loan to XXXX XXXX, who has filed Foreclosure. 
XXXX XXXX XXXX has tried to have us evicted. 
Our Attorney, XXXX XXXX, had the Court set a Trial By Jury for XX/XX/XXXX. 
XXXX XXXX XXXX has since filed a Unlawful Detainer. 
XXXX XXXX XXXX informed our Attorney that they may settle for apprx {$65000.00}. 
Knowing that we can not get a Loan while under Foreclosure. 
We have no other avenues, as we are on Social Security now. 
. 
My opinion : XXXX was supposed to be the Lender & Loan Servicer, but has since turned into a Loan Collector and aggressor.

There is nothing in our Loan agreement that states XXXX has the right to cease ALL communication & not continue to send statements for us to pay the loan. 
XXXX caused the loan to go into Foreclosure and made demands " after 10 years '', knowing full well that we as the Borrower did not have sufficient funds to pay the loan off. 
Our rights as a borrower has been denied by XXXX & has caused " irreparable harm '' to our credit, home and livelihood. 
XXXX has committed fraud on us, as the borrower. 
The methods used by XXXX was fraudulent, and designed to obtain a Foreclosure which goes against many Lender / Borrower rights & laws of the State of Missouri. 
Had XXXX kept with our agreement and made contact with us, instead of denying contact, we would still be making our loan payments and not be in the position XXXX has put us in. 
We contend that XXXX never intended to service the Home Loan in good faith and instead became the collector / aggressor to make the loan move into Foreclosure thru fraud. 
Why else the NO communication, phone, mail or any other means from XXXX? 
Why else the " over 10 years '' of NO communication, phone, mail or any other means from XXXX? 
We have continued to pay our Home Insurance & Home Taxes every year. 
We also contend that Caliber Home Loans and XXXX XXXX has NO stake in the ownership of the Loan or our Home, because of XXXX failure to Service the original Loan and having NO contact for over 10 years with us, XXXX has yet to offer any excuse. 
XXXX XXXX XXXX  " inherits '' XXXX & Caliber Home Loans mistakes. 
We should be the " Plaintiff '' & should have the right to sue them for all this XXXX. 
We were always prepared to make the Payments as agreed, but " how could we ''? ... ..They would not talk to us or even offer to start making payments in XXXX or even when we received the Foreclosure Notice. 

.

Company response to consumer: Closed with explanation