Consumer complaint received 2017-08-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband 's died XX/XX/XXXX. The loan was financed with with XXXX XXXX  XXXX XXXX XXXX, AS TRUSTEE for CARRINGTON MORTAGAGE LOAN TRUST. The loan was an ARM loan where the payments change based on the stock market the 2nd year. We went from 9 % to 11.5 % and got as high as 16.5 % and continued. Our payments went from {$900.00} a month got as hight as {$4200.00} per month. This did include property tax and property or flood insurance. My husband had a great job making {$90000.00} a year and we were able to handle the payments. He lost his job and Hurricane XXXX happened. I found a job and was able to help him and he took on odd jobs and until he found permanent employed making {$30000.00} a year. We were unable to stay on top of our mortgage payments. Then there was a new law that came out saying people like us, were able to apply for a loan modification and we were granted a modification for 5 years with a 5 3/4 % interest rates. That help tremendously. In XX/XX/XXXX my husband was diagnosed with XXXX XXXX. He had to ( XX/XX/XXXX ) had to have XXXX and take time off for treatment. He was able to return to work in at the end of that year. XX/XX/XXXX I was laid off my job ( mast lay-offs ). He filed bankruptcy trying to keep our home. Making payments to the house and bankruptcy payments. Without my salary and only unemployment insurance payments for 4 months we were continually behind. On XX/XX/XXXX my husband died of XXXX XXXX. He had XXXX also and was seeing and XXXX XXXX I received my husbands life insurance payment from his job {$65000.00} He had purchased " terminal illness insurance '' in XX/XX/XXXX they did not pay because my husband had to be alive for 6 months for them to pay this. Also, they asked how did he die, at the time I was told he died of a XXXX XXXX. When the XXXX came in that I ordered at the time of his death it should he had died of an " XXXX XXXX ''. If my husband had died of a XXXX XXXX the insurance company would have given 1 % of the loan or {$15000.00}. I brought the loan current, paid t he bankruptcy payments, {$24000.00} to Carrington Mortgage Loan Services, {$10000.00} bankruptcy payments. I was told that I had to homeowners insurance. In order to get homeowners insurance I had to repair the outside damage to the house ( replace missing shingles, cutters, and roof ), to pass insurance inspection for insurance. {$17000.00}. I asked for a Modification not knowing that because the house was not in my name, they refused to talked to me about the loan. I attorney told them that I was making the payments and t hey agreed to speak with me. But because I had not done a succession they refused to allow me to apply for a modification. I took the last o my money did the succession for my husband. It was only then that I found out that I did not have to pay his bankruptcy payments because the bankruptcy was only in his name. I applied for a modification 7 different times after the succession. They keep saying they did not received it even though I had proof, I had went to XXXX 's XXXX each time and they gave proof of it being sent. Finally, on the 8th time, they acknowledged receiving it and took 3 months, to tell me that they could not give me a modification because nothing had changed in our finances and we had not fulfilled the 1st mod given to us, and that there was no unemployment and that I would not get a mod. That was not true : 1. I lost my job 2. My husband was unemployed twice 3. And now my finances drastically changed because of loss my husband 's income. They sent a letter XX/XX/XXXX, saying my interest rate was going up to 9.42500 % and my payments would go from {$1400.00} per month to XXXX per month. They offered a in house payments plan where I would have to {$4000.00} per month for 6 months and then they would see what was possible for my home loan. They also, reverted all my past due payments from 5 % to the current present interest rate of 9.42500 %. I was told that the new rate would take place XX/XX/XXXX. Not that it would changed all past due pmts to XXXX and just future pmts. I do n't know if you can help me. My husband and myself have lived in this house for 13 years. I would like to keep my home. I hope you can help. They said that I have not make payments since XX/XX/XXXX and that is a error I made payments. I would like to know what happen to the payments that I sent and I have statements in all of XX/XX/XXXX. The attorney 's letter said that he did not have to wait 30 day to take my home. I disputed the amounted listed. But no one have responded my my letter or request. XXXX

Company response to consumer: Closed with explanation