Consumer complaint received 2015-08-06
Company: FIRST GUARANTY MORTGAGE CORP
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Obtained mortgage in XXXX XXXX through XXXX XXXX was never given signed copies of the documents. Title company does not keep copies. Sold two weeks later, Sold again and sent to loancare.Then trasnferred to XXXX later I learned that these were " carriers '' for First Guaranty Mortgage. XXXX does not have all accounting for the loan. Was repeatedly denied modifications because I am XXXX. An attorney was hired by one of the entities to collect the debt. I contacted them, XXXX and First Guaranty on numerous occasions, yet the my responses were never recorded, my payments dishonored, and $ XXXX worth of insurance checks lost. The home was an FHA loan with a document that says it is backed by HUD, HUD says it is neither. The Attorney that was hired completed paperwork for the first mortgage company XXXX but per all records they were hired by the most recent mortgage company XXXX.The specific Attorney XXXX XXXX says he only signed the last document yet most of the letters and proceedings were signed or initiated by him. they stated " they were only doing their job ''. On XXXX XXXX, XXXX I was served an eviction noticed stating to get out in 72 hrs, in my state it is 5 days. I contacted XXXX who said they no longer had the loan it was turned over to the foreclosure department. They had just sent me XXXX letters stating they were investigating the matter. They stated they were " following the lenders guidelines ''. Prior XXXX this I had an agreement and pending modification which they stopped and refused payments, They stated I would be allowed to use the insurance proceeds to help catch up the loan but not only lost those check for two years they got them reissued then refused to accept them or turn them over to me. The house was put in Sheriff 's sale without notice to me, it was put on XXXX a month later but No one ( lawyer, Mortgage or Mortgage carrier knew about it or could answer why if it was sold to he mortgage company in XX/XX/XXXX it was on XXXX on XXXX XXXX ). Modifications were denied, notices were not sent, explanations never given and I was repeatedly told I was not cooperating when I sent letters and contacts regularly since XX/XX/XXXX. The Attorney XXXX XXXX, XXXX was unknown to the lender First Guaranty and refused to even discuss the matter stating that I was not cooperating and had no argument or chance to save my home. This attorney is known publicly and by the Sheriff 's office to commit illegal foreclosure acts. The loan documents can not be traced to XXXX XXXX the earliest anyone has is XXXX XXXX with XXXX who acted like the Mortgage company when they were only the carrier ( paper pusher ), the lender stated they knew nothing. The lender told me in XXXX that due to the refused payments I would be relocated or given funds to relocate, but that was never completed after I submitted the necessary proof. Additional paperwork was sent and I was told " it had gone to higher authority within the company ad no one ever responded. The XXXX kept contacting me and gave me the impression that it was being worked out. I never received a foreclosure letter, I never received proof of sale or transfer or a 30 notice to vacate as stated by XXXX XXXX of First Guaranty. Currently the Sheriffs office is considering this fraud from the point I signed the loan as it may never have been a legitimate loan and the foreclosure questionable yet I still have three days to get out without an explanation. No one has helped at all and no one has answers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation