I purchased a XXXX property in XXXX of XXXX Although I live in XXXX Jersey I was referred to a mortgage company in XXXX Jersey to handle it. The mortgage person insisted that I had to use his HUD consultant ( XXXX XXXX ) claiming that he was the only one. XXXX XXXX was beyond unprofessional and utilized my realtor to do his inspection of the property. He was physically unable to go up / downstairs as he was XXXX and recovering from XXXX, so he said. On the work sheet he provided for " his '' contractor he listed items not warranted and failed to list major items that should 've been there : major foundation crack, hazardous illegal electric issues, plumbing, ect. When I tried to dispute his list along with him having contractors from XXXX Jersey travel, he stated " this list can be tweaked '' and that his contractor was the only licensed XXXX contractor available. At that point my realtor stated " there are plenty of good contractors around here ''. XXXX insisted that we had no choice and that his contractor would accept the list, the prices on the list and get the job done within a month. That was not the case. The work was supposed to start within 30 days and be completed within 6mos per FHA guidelines. The contractor gave one excuse after another as to why he could n't come. Meanwhile I 'm paying rent and storage fees that I could n't afford. When the contractor finally did come ( for 10 min ) he inspected the property, laughed at the work sheet stating that a lot more money was needed but " you seem like a nice lady, we 'll work it out " he then continued to stall the start of work. He did agree to sub a portion of the work to a local contractor so that work could begin but that contractor fell through. The house flooded via the foundation crack when it rained. I re injured my shoulder that had been completely healed carrying buckets of water out of the basement while XXXX XXXX refused to address it. Yelled at me " you ca n't cherry pick the specs " referring to his work sheet that he promised he 'd fix stating " let 's just get the paperwork done ''. He also sang " XXXX XXXX in the cellar '' when I called him about the basement leak and injured shoulder. The bank manager who previously claimed no personal connection to this jerk attempted to assure me that XXXX. was not a drunk/drug addict when I expressed my concerns. XXXX was notified of this entire transaction and the blatant fraudulent manor in which this group of buddies mishandled things and found no harm done. I 've had to pick up extra work with an injured shoulder, pay out of pocket/credit cards for emergent repairs ect. Where I used to make money off of my credit cards, I am now in financial ruins receiving mail from credit consolidaters. During this entire process my Father was battling XXXX. They turned my entire family upside down through their crooked ways. Had my aunt not relunctatly allowed my daughter and I to live in her home for free we would have became homeless. There was so much more harm done. The next HUD consultant violently quit because my contractor refused to steal money from me. He was insisting that my contractor take XXXX more than what a job cost him. My contractor refused to take the extra XXXX begging the guy to put the money elsewhere/ towards something else on the list while I stated " just take it, get rain barrels ". The HUD consultant went bolistic and quit. The contractor literally begged HUD consultant to not quit ( he desperately needed reimburstment too ) with no luck. I think I had a nervous breakdown after that. I could not stop crying. Too much to write and I 'm crying now just reliving that day. On a positive note I was finally blessed shortly after that with my 3rd and last HUD consultant who was extremely professional but this nightmare is far from over. I do believe that the goal all along of these crooked monsters was to cause financial ruin and they have done so. I pray you make it impossible for them to do this to anyone else. Thank you, XXXX XXXX