Consumer complaint received 2023-11-30
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
The product that's in question is a double wide mobile home that was built in XXXX and the life insurance policy for the home to be paid off when she passed. 21st Mortgage Corp bought our loan from another mortgage company. 

This was ( XXXX XXXX XXXX ) my mother 's home, she bought, XXXX years ago. I ( XXXX XXXX XXXX ) my mother 's only XXXX child and my XXXX child ( XXXX XXXX XXXX ) is her only biological grandchild that lived with her. My mother passed XXXX the XXXX of XXXX. 

She only made a handwritten XXXX ( where she had her brother and sister to witness it for her. ) Starting I was to get everything including the house. And by having a XXXX  background and a XXXX background I started taking care of my mother about XXXX  years before she passed. 

I have been paying the mortgage here, ever since she passed and XXXX years before she passed. I had been paying the mortgage out of my own bank account with my name on it. 

But now when it comes to what's going on with the 21st Mortgage. 

They had her sign paperwork stating that I was allowed to speak on my mother 's behalf, and she told them I had power of attorney when it came to the mobile home and the rest of her affairs. 

But now, since she passed away, it is a different story. 

I called and asked when XXXX started. Would they help me? They told me no and they kept accepting Mortgage payments. I assumed that it was OK. ( That 21st Mortgage was letting me add the money to the loan ). The 21st Mortgage was continuing to accept my mortgage payments. I tried to get the house transferred over into my name. 21st Mortgage said, ( they didn't know who I was, even though I've been dealing with them for XXXX years ). In fact, 21st Mortgage was not helping me with the correct papers to submit. I asked 21st mortgage, was there any way I can do a deferment during this time of Covid - 19, XXXX XXXX XXXX XXXX. They told me, again no and because I received Social Security, they should. be paid anyway. 

So, when I talked to 21st Mortgage again, they told me they had paid my space rent where my house sits. I thought everything was OK and that they had added it into the loan. And the mobile home park stopped sending me statements. So again, I thought that the mortgage company was picking up what I owe each month. And now 21st Mortgage tells me they need their money ( {$22000.00} ). that they spent at my house. Or 21st Mortgage was going to sell the mobile home from up under me. 

I asked XXXX, ( in the legal department, XXXX XXXX 21st Mortgage Financial Counselor ). What do I need to do to stop the sale of the home? I did what I was told to do. 

I sent them a copy of her death certificate and a copy of the handwritten Will with their signatures on it ( that was in the safe ). The key had been misplaced for about XXXX years, before she passed, when I found the key, then her Will. And I still lost the mobile home. 

All the way up until I had my hospital stay. ( XX/XX/XXXX ) and had to have my XXXX XXXX XXXX on ( XX/XX/XXXX ). Then 21st Mortgage sent me a statement stating I was behind with the Mortgage ( in which I was ), and I had until XXXX the XXXX to pay {$3100.00} to reinstate the loan. Or they were going to sell the double wide mobile home on XX/XX/XXXX at XXXX in XXXX XXXX CA XXXX 

So, on XXXX the XXXX at about XXXX XXXX  pacific time is when I sent in {$3100.00} to 21st Mortgage. And before that I called about XXXXXXXX XXXX  Pacific time to make sure that was the correct amount ( {$3100.00} ) to send in and ( " I was told by XXXX ; it was the correct amount to reinstate the loan? " ). Then I called back to give the code for the bill payment. 

That's when XXXX XXXX of 21st Mortgage ) said, " she was not going to take the payment, for the reinstatement of the loan ''. Even though, I have been paying the mortgage out of my own accounts for years. Then, 21st Mortgage went and sold the house for {$51000.00}.

Company response to consumer: Closed with explanation