Consumer complaint received 2017-10-09
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I am reaching out to this eclectic group as a humble Virginia and XXXX. I am desperately hoping for a miracle from you. I am a husband and a father who always wants the best for his family. In this case I have tried going the normal course and have tried everything in my power to prevent getting to this point. 

Facts : For the past 4 years my wife has suffered with debilitating XXXX XXXX. I have a XXXX XXXX XXXX son who relies on me for all the comforts he is entitled to. 

I was in a repayment agreement with XXXX regarding my mortgage in XXXX XXXX. In XXXX XXXX, when I was notified of a layoff of my job, I notified XXXX by mail of my change in income from {$56000.00} per year to {$0.00}. As is their custom I called to advise them and they referred me to their borrowers assistance package to determine if anything could be done to help with my payments. On XXXX XXXX I filed this paperwork via XXXX mail after 30 days ( their timeframe ) I had received no response. I called and spoke with XXXX or XXXX who said it had not been received and to refile, which I did on XXXX XXXX. Again I heard nothing and I called in XXXX and was told again to file the paperwork. 

During this time, I received no reinstatement letter or notification of possible foreclosure. I try to file paperwork again only to find out foreclosure occurred XXXX. I believe my paperwork was not processed due to my wifes mental illness and as a way to discriminate against her. I made multiple contacts to XXXX to see if they could help me avoid this action. 

Fast forwardI attended an eviction hearing on XXXX thinking that the judge would hear my argument and at least continue the case. He didnt. Rather he sent me back to the lawyer for XXXX and to the company but ordered eviction proceedings could be filed I XXXX business days. I tried to work with XXXX to get them to go back and allow my borrowers assistance package from XXXX and XXXX to be reviewed. They said they have no evidence it was received and they refused indicating that they could do nothing. 

Request : I want a temporary stay of the eviction so my original paperwork can be resubmitted and reviewed. I am seeing commercials now about the holiday but how do you have XXXX in a car? I have no where to go nor do I have any extra funds to locate. This is the only home my son has known. We are fully prepared and have been to assume normal house payments but XXXX will not take partial payments so I havent been able to give them less than the repayment plan amount which was $ XXXX due to my layoff. 

I need help and XXXX XXXX I go down I get turned away. XXXX still owns this property so why wont they help me. I have also filed a complaint with the CFPB but that takes upwards of 15 days to resolve which I dont have. 

I hate to beg and Im not trying to get out of my debt but I need help. I dont usually ask but rather rely on my own to resolve issues directly with the business. In this case those attempts have been futile. 

I look forward to your prompt reply to my request for direction and help. Please only work with my husband XXXX XXXX due to my illness. You

Company response to consumer: Closed with explanation