Consumer complaint received 2018-04-13
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in XX/XX/XXXX. I used down payment assistance through the XXXX   XXXX and XXXX XXXX program known as XXXX. I didn't have issues getting my home loan nor right after closing. In XX/XX/XXXX I became ill and was XXXX several times. I was diagnosed with two serious medical issues. As I continued to struggle with my health, I fell behind in my payments XXXX. I kept in contact with XXXX during this time. I called XXXX in XX/XX/XXXX to inform them of my plan to bring my account current in XXXX when I received my tax refund. This payment arrangement was acceptable to XXXX. As promised when I received my tax refund I paid the latter part of XX/XX/XXXX I paid three payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In early XX/XX/XXXX my three payments were returned and I was informed that foreclosure proceedings had begun. I called XXXX at this time to discuss my account. When I called I was told my loan was no longer with XXXX and that is was back with Mortgage Solutions who was my original lender. I began reaching out to Mortgage Solutions at this time. I called Mortgage Solutions at XXXX. Starting inXX/XX/XXXX I was told Mortgage Solutions did not have my loan. Then I would contact XXXX and then would tell me they did not have my loan and that I needed to contact Mortgage Solutions. Meanwhile I submitted my request with my intent to cure so that I could remain in my home. I was able to get the sale date of the foreclosure postponed in XXXX. My health issues continued in XXXX. I've been with my employer for over 13 years. This is the same employer that I was with prior to buying my home. Due to my medical issues I'm unable to work my full time schedule as have previously have. This lead me to file bankruptcy last year. My priority was to improve my health and save my home. My bankruptcy lawyer was not the most helpful during this entire process. He to struggled in locating who actually had my mortgage. I was not receiving statements or anything during this time. I did not know who I should make payments too. The last time I tried to make payments on my loan the money was not accepted and returned to me. XXXX told me on several occasions that they could not accept my money. When I would contact Mortgage Solutions I couldn't get passed the receptionist or person who answers the corporate office phone. Mortgage Solutions never tried to help me nor were they kind to me. In the beginning when I closed my loan I was told they gave me a higher interest rate than what they were supposed too. I had to re-sign papers after I closed that I did not understand. Then when I really needed the assistance of Mortgage Solutions I couldn't get them to communicate with me or acknowledge that they indeed had my loan. Each time I called I would instantly be told Mortgage Solutions didn't have my loan. This process created an enormous amount of stress for me. Stress is a major activator for my medical condition. My bankruptcy attorney dropped the ball several times since I've been in bankruptcy. I applied for a loan modification in XX/XX/XXXX and was told the package was incomplete, despite having my attorney review the documents prior to me sending it in. I wasn't informed until XXXX that the package was incomplete. I immediately completed another package and confirmed with a real estate professional and my attorney that my package was complete. My attorney informed me that Mortgage Solutions had been granted a relief of stay. He didn't tell me what this meant or anything. I continued to follow up on my modification request. On XX/XX/XXXX I was told by the HAMP representative told me my hardship letter was unacceptable because it had XX/XX/XXXX as the date. I immediately updated my hardship letter and forwarded it on. Apparently the sale date on my home wasXX/XX/XXXX. No one informed me of this date. I was not notified by Mortgage Solutions nor my attorney. OnXX/XX/XXXX a man came to my house and gave me a paper stating my home had been sold and that I had 10 days to get out. The letter isn't on letterhead of any sort. There is a contact name and number on the paper. I have contacted the investor and have been given until XX/XX/XXXX to leave my home. I am so confused and devastated by this process. I have absolutely no place to go and have no place to turn. I believe my rights have been violated and really need assistance.

Company response to consumer: Closed with explanation