Consumer complaint received 2022-07-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (IL)

Foreclosure complaint filed initially and served in XX/XX/XXXX. Mortgagee was Loan Depot LLC and our loan is an FHA loan but also contained additional language stating that mortgagors be given all HUD options and loss mitigation measures available in addition to standard FHA regulations if they default on their mortgage. Foreclosure process was stalled and continued by mortgagee. Mortgagor successfully completed and obtained a coronavirus forbearance from XX/XX/XXXX through XX/XX/XXXX and again from XX/XX/XXXX through XX/XX/XXXX. At that time mortgagor applied to be evaluated for the post Covid forbearance option through the Mortgagees website and it stated that was received as well as her request for regular loss mitigation packet. This was to be mailed to homeowner. It was never received by homeowner. Mortgagor did send out several emails and mortgagee responded by phone and online that her address remained the address of the property and that she lived in the residence. Following a request for information sent to Mortgagor in XX/XX/XXXX loan depot admitted that due to an internal error in their system mortgagor address had been changed to one in another state that never was a residence either or the parties to the mortgagor and named on the title nor anyone they knew or was related to had ever lived at. Loan depot sent a copy of the mail being returned to them as undeliverable and stated they would fix this error and set back the attorney fees and missed payments to XXXX of XXXX instead of where it was as of XX/XX/XXXX when they moved in court for summary judgment. Loan depot incorrectly stated the address that was listed as the mortgagors place of residence when they signed the documents at closing and the address they stated is not the one listed nor an address either mortgagor lived at or had lived at for years ( this was one mortgagors mothers home address ). The mortgagor put in filings that they met their burden of a face to face meeting and other fha requirements by going to and or sending information to the address in Texas despite knowing the mortgagors remained in the home. The mortgagor attached their letter admitting this and the fact that they had these requirements and nothing cited in affidavit of loss mitigation going to an address known to be invalid should count as meeting that obligation. Presently this is scheduled for hearing and judge said it has had a final continuance despite pending representation from XXXX XXXX XXXX XXXX in IL and despite a loan depot foreclosure agent or loss mitigation broker working with mortgagor and mortgagor being compliant and working with HUD counselor. Please investigate this case!! This is insane. No company making FHA loans should be allowed to meet their federal housing authority requirements intended to keep people, who waive all homestead right, from exercising and loss mitigation by sending and stating as much in court filings these efforts to an address in another state and despite being continuously notified and being able to serve the mortgagor properly for court at the property!