Consumer complaint received 2023-04-11
Company: Village Capital & Investment LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Village Capital Investment. I was having trouble making the payments due to a combination from the financial effects of the covid pandemic  as well as a XXXX XXXXXXXX which severely relapsed around spring XXXX, and started a new, intensive treatment which lasted most of summer into fall. I filled out an application for financial assistance with Village Capital, but their response was confusing because they were asking for information I had included when I submitted the application. 

Due to the time I had to spend at the hospital and side effects from the treatment that made me feel miserable, I didn't realize Village Capital had filed for foreclosure until I learned my house had been added to the list for an upcoming Sheriff 's sale on XX/XX/XXXX. After searching for options online, I found XXXX XXXX XXXX Ohio, and immediately submitted an application ( the date for this was XX/XX/XXXX ), and I was ultimately approved. 

A few days later, I received two separate letters from Village Capital dated XX/XX/XXXX, but they seemed to both just be the application for assistance I had submitted to them earlier in the summer. They never contacted me by mail or by phone about my application to XXXX XXXX XXXXXXXX Ohio, and my house stayed listed on the Sheriff 's Sale calendar for XX/XX/XXXX. 

I made several attempts to contact Village Capital, but the hold time was so long ( around 30 minutes ) I was never able to wait on hold long enough to see if a live person would answer. It would always give the option while I was on hold to " save your place in line and have us call you back '', which I would end up choosing but never get a call back from them. 

My house ended up being sold at the auction by a local real estate agent. I tried contacting my local legal aid, but they said they couldn't help me. 

At this point, I was at a loss for what to do, so I tried filing a motion on my own in court requesting a stay on the court confirming the sale stating that I had been approved by XXXX XXXX XXXX Ohio and wanted to be able to work with Village Capital to keep my house. The judge denied my request for a stay, and then shortly after ( earlier this month ) confirmed the sale. 

I've tried reading whatever I could find online to see what Village Capital 's responsibilities were, and it seems like they should have contacted me after I submitted the application to XXXX XXXX XXXX Ohio, and should have rescheduled the sheriff sale for later date to allow the process with XXXX XXXX XXXX Ohio to be completed. I don't know if the long wait times and lack of call back were due to being short staffed, or because a lot of people were off for holidays, or if their lack of response was because I rely on on Social Security XXXX, and they see that as a liability. 

I don't know what to do at this point. I can't afford an attorney, and legal aid already said they couldn't help, and I'm running out of time before I'll end up being forced to move and lose my house for good.

Company response to consumer: Closed with explanation