Consumer complaint received 2017-02-14
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (CA)

On XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX from XXXX XXXX XXXX at XXXX to seek advise on how to apply for a modification, ( it was over the phone ), the first question she asked me is that " are you current on your mortgage? what is the reason why you 're applying for modification? My answers were Yes, I am current and I want to make my mortgage lower because I 'm having a hardship ''. She then advise me not to make payments for at least 3 months in order to show to my lender that I 'm really having a hardship making my payments. And she told me that I have to pay {$2500.00} for their service but she did not tell me that I have to pay {$500.00} every month until the modification is done. So we waited until XXXX XXXX, she then email me the paper works to fill up. All the documents that they requested was sent but it was already a year and nothing happened so I asked another agency ( XXXX XXXX ) and they told me that modification should be done by XXXX4 months only and then advise me to stop dealing with XXXX and just work with them instead. 

I started working with them on XXXX XXXX, XXXX and same thing I gave all the documents that they needed. 




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Please advise if we can do something about it, I know I can no longer get my house back but it was so painful and unfair and XXXX, we were forced to moved out from the property on XXXX XXXX and we were staying at a friend right now because I 'm having hard time to get a place for me and my family because of my credit. I just hoped that they gave me chance to work on it or at least sell the property myself. 
XXXX XXXX XXXX was already foreclosed and sold. XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX XXXX XXXX, phone # XXXX ) promised to help me save my home, first, they advised me not to pay my mortgage so that I will make PHH believed that I am really having hardship because I lost my job, I paid them almost {$9000.00}, it was almost a year but it never get done, he always said that its under review, I also tried to work directly with PHH mortgage and I submitted all the paper works that they requested. An agent from XXXX XXXX XXXX. from XXXX CA offered help to get the modification done that will cost me {$3500.00} ( need to pay them $ XXXX monthly ) but still nothing happened, I know they did all their best but PHH Mortgage still foreclosed and sold my house to XXXX XXXX. in CA without notifying me that it was already foreclosed and sold on XXXX XXXX, XXXX. I was forced to leave the house because the new owner filed an eviction complaint against me. PHH did not gave me a chance or an option how to fix the problem. The property has an equity of almost {$250.00}, XXXX and they should just allow me to sell the house my self so I can get something to start with, I faced eviction and the XXXX I faced and my XXXX kids was very painful. I did not even know that the modification was denied because I did not received any notice, I just found out on XXXX XXXX, XXXX when the Sheriff came and told me that the property is already foreclosed and was already sold.