Consumer complaint received 2015-07-13
Company: FIDELITY CAPITAL HOLDINGS, INC
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX my husband and I wanted to buy a building from XXXX XXXX. We did n't have good credit so we asked XXXX XXXX if we could buy the building but she be our mortgage holder. She would get the mortgage payments and she would have to put the money in escrow for the taxes and insurance. She agreed. We went to the real estate office : XXXX XXXX Real EstateXXXX XXXX XXXX XXXX and XXXX did our paperwork and our mortgage payments were for XXXX, a month. In XX/XX/XXXX we received letters in the mail for a foreclosure. We called her and she said we owed her some back payments. We agreed after we got our paperwork together. We started making the payments then after we paid her the money she said we owed her, a year later she sent us foreclosure papers again saying we was back in payments again which was not true. My husband and I were trying to settle the situation but we realized nothing was working. Our original contract had no late fees and our insurance and taxes was to be paid every year by XXXX XXXX. She did n't pay the taxes one year so we payed it and we took thst payment out the mortgage payment. Then XXXX XXXX saying she was n't going to pay the insurance. We sent her proof that we payed the taxes.The insurance company called and said our insurance needed to be payed. We contacted XXXX XXXX and she refused to pay the insurance so we started making the payments. We asked the insurance company to not discuss our payments with XXXX XXXX anymore because she not making the payments. A couple months later we received more documents in the mail about foreclosure. That 's when we decided to get a lawyer. We contacted : XXXX XXXX XXXX & XXXX Attorney at LawXXXX XXXX XXXXXXXX XXXX, XXXX XXXX : XXXX : XXXXXXXXXXXX contacted her lawyer who is located in XXXX and they battled it out through emails and letters back and forth. Finally our lawyer decided to take it to court. We got accountant XXXX XXXX and submitted all our paperwork. He said we do owe her money but it 's not as much as she was asking for. Our lawyer decided after XXXX years of craziness court papers were filled. At arbortration. XXXX XXXX was offered XXXX XXXX and some change. She did not want the XXXX XXXX so we had to go to trial. The judge and our lawyers awarded XXXX XXXX XXXX XXXX and some change. At court she asked for our ssn 's. We were skeptical about giving it to her but our lawyer said they could n't do anything with our ssn 's because the decision was made. We gave it to her lawyer. About a month or XXXX later we received letters in the mail that we owed her {$38000.00}. I contacted : Fidelity Information Corp. 
XXXX XXXX XXXX XXXX, XXXX. XXXX said for me to send them the court papers. I did that about XXXX times because they said they did n't receive them. I mailed it to them again in XXXX. I needed a car so I went to finance a car. I thought everything was okay until I was trying to get a credit card through my bank and they denied me. They told me that I could apply for a secure credit card and that was denied. XXXX credit union told me that XXXX XXXX on my credit saying we owe her {$81000.00} now. I tried calling the credit place back and they told me that I should be trying to contact XXXX about the matter.i then contacted our lawyer and our lawyer sent a letter to XXXX XXXX lawyer and we never received a answer back from him. Then a couple months ago I was trying too move and was denied a house because I had {$160000.00} on my credit and it had something to do with a property so they was n't going to rent to me. XXXX XXXX filed some type of credit stuff on my husband XXXX XXXX XXXX XXXX And myself XXXX XXXX XXXX which is preventing

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation