Consumer complaint received 2017-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (LA)

Im filing a complaint against 21st Mortgage Corporation XXXX XXXX, XXXX, TN. XXXX. I have been railroad by this company since day one, from giving me the wrong trailer, that i had to change the serial number on my paper work cause they give me the wrong trailer. The trailer they gave me came off the lot which everyone had walked through as show piece. The trailer was full of rats and the roof was damaged when they pulled it off the lot. I should have known i was in for trouble. On XX/XX/XXXX i had reconstructive XXXX XXXX which put me out of work for 4 or more months. I continued to make payments through my XXXX short term insurance. In XX/XX/XXXX, my company laid me off, due to the XXXX, no work. When my short term ended in XX/XX/XXXX i filed for unemployment, which helped me to continue paying my mortgage. On XX/XX/XXXX i had XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I struggled but continued to make payments, they may have been late but i made them. In XX/XX/XXXX i was diagnosed with XXXX and my employment had paid out, so i fell behind in XX/XX/XXXX, i  made payment but it was {$62.00} short. I called 21st Mortgage for help being that my unemployment was over and i was looking for work, but couldnt find any at the time. They told me that they helped me in XX/XX/XXXX with deferring my payments three months back of my loan, so there was no way possible for me to get another deferred payment, because i didnt have a good reason, i was like but im out of work, my unemployment played out and thats not a good enough reason. Keep in mind i was told, on my first deferred payment that i could get one every year, if it was a good reasons. Ok, i was laid off, but these time its not a good reason. So with no income they didnt want to help me in no kind of way. So i fell more behind! I called around looking for help to save my trailer, I found a company called XXXX. Not only were they going to refinance my loan, they were going to lower my interest rates. I was overjoyed, I filled out XXXX application and they sent it to 21st Mortgage to help me. Well 21st Mortgage tells me they dont do modification loans & only thing i could do is let XXXX buy my trailer and deal with them. I was told by XXXX that that was not true and that they had already help people who had mortgages with 21st mortgage. So back to square one, still no job, 21st constantly harassing me, but wont help me, no kind of way. So may note getting farther and farther behind. Finally in XX/XX/XXXX i find a part-time job with XXXX XXXX XXXX XXXX which only lasts for 15 days, school goes out for the summer from XX/XX/XXXX to XX/XX/XXXX. I ask if i could make partial payments, 21st Mortgage says no they want my payments in full, which im now behind about 4 months. So i trying to find assistance everywhere, HUD, red cross, etc. still no luck. So one day im not home my son calls me and tell me there a lady for 21st Mortgage delivering a letter " KEYS FOR DEEDS '' the letter offer we {$2500.00} to vacant the property and refuse the money offered for a rent apartment or house, I refused! They wont let me make payment arrangements but want me to return my land and their trailer for {$2500.00} no way. So i continuely received notice of delinquency letters until today. Out of the blues, i received a call from XXXX today, who contacted them, cause they no for a fact 21st Mortgage has did modification loans with them. They contacted 21st again, and they continue to lie like, they sent me a letter of explaining their reasons for not accepting my modification, which they never did. Well I 'm on the phone with the lady for XXXX, who calls 21st Mortgage. I had n't heard from them through phone conversation. The last thing i received was a letter of mitigation denied which i had sent months ago to them. This is the worst company ive ever dealt with, the representatives talked to you like your nobody. I believe the reason they giving me the run around is because my property was put up as collateral and they no they will benefit if i lose my trailer. As of today XX/XX/XXXX XXXX called to assist me again with a modification. She called them and they were supposed to call back in 20 minutes, XXXX and I are still waiting for a call back. 21st Mortgage dont want to help save my trailer, because their benefiting off 14 % interest rates, where is XXXX would drop it to 4 % and lower my monthly payments and save my trailer. They need to be investigated for scamming people and get over poor people with those high interest rates.