Consumer complaint received 2022-06-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION (IN)

My landlord was recently foreclosed on and we ( myself, husband, and son ) were recently locked out of our house and made XXXX  even though we honestly thought that the bank was working with us and that the notice we received was an error. We found a notice on our door on XX/XX/XXXX which was XXXX XXXX weekend that stated we would be locked out on Tuesday, XX/XX/XXXX. We were confused because the last time we had communicated with the lady representing the foreclosing bank, we had submitted a copy of our lease to the lady and she was going to get back to us about if the bank was going to buy us out of our lease and/or help us financially move to a new residence. We received a notice in the mail a XXXX  months ago addressed to our landlord which was a writ of assistance but we were under the impression that it applied to our landlord only because we were supposed to be working with the bank and because it was not addressed to myself or my husband and the bank had our lease and names at that point so we remained under the impression that the bank was still working with us. When we received the lock out notice on XX/XX/XXXX which was a Saturday, we were confused and thought that it was probably just a notice that was delivered due to the judgement against our landlord and we couldnt get any information because it was a Saturday and we also had a secondary disadvantage of that Monday being XXXX XXXX, a holiday in which government offices were closed. We started calling Tuesday morning but couldnt get any information except for the dispatch for the XXXX XXXX XXXX Department telling us that an officer would most likely be there at XXXX to lock us out. At XXXX, XXXX Sheriff and XXXX XXXX XXXX Police XXXX showed up and gave us XXXX minutes to grab some items and honestly they had no consideration for us in any way. They said that we could walk and find somewhere to sit until we could possibly find somewhere to go and they knew that we didnt have a vehicle and they had XXXX concern that I am Federally XXXX with XXXX XXXX and XXXX XXXXXXXX and said they couldnt even help us go to a shelter and said it wasnt their problem if we were on the side of the road because we have no vehicle and I wouldnt receive my SSDI until the next day. My husband has no income currently because he has been my caregiver, was recently considered frail by the state due to a diagnosis of XXXX XXXX and because we have no vehicle. He has been my caregiver for a few years now because I honestly had numerous months at a time with no warning where I was more XXXX suddenly and considered terminal. I dont know how this could have happened but it did and I filed an emergency stay of writ with the superior court that handled the foreclosure against my landlord but it has still not been either approved or denied by the judge. I have spent all my SSDI to stay at XXXX XXXX XXXX in XXXX and used a XXXX to get here when I received my SSDI and no one I have talked to so far can help me. XXXX couldnt even help me because we would have no way to even go to the shelters in XXXX without a vehicle. I also have my cat and as of this coming Saturday at XXXX, we will be XXXX on the side of the road. We were barely keeping our heads above water before the lockout because of our limited income. The only thing we have is my SSDI which is {$850.00} a month plus my child support which just ended because my son graduated high school last week and turned XXXX in XXXX. Thankfully my son was able to go and stay with his dad but we were literally thrown out with him having XXXX days of school left before graduation. The XXXX said that they couldnt help us because we didnt have a specific name of who we were sending rent to at the bank that foreclosed because the court papers just said XXXX XXXX XXXX XXXX XXXX but we were sending them payments. We honestly were not sending full payments since last XXXX because the main water pipe ruptured and it further damaged the furnace so we had to subtract enough money to buy additional space heaters and pay for numerous gallons of water every month to be able to clean ourselves as well as our clothes and normal necessities. The bank didnt return our calls regarding maintenance and so we had to try to take care of whatever we could to have heat and water, especially with my medical issues. Our lease wouldnt have ended until XXXX of this year and our address was XXXX XXXX XXXX XXXX XXXX, In but its actually part of XXXX XXXX due to location. We honestly have no vehicle or family that can help us and we really need help. Please help us. I honestly cant be in the heat with my illness and it is very aggressive. Back in XXXX when my XXXX was approved, the aggressiveness of my illness caused my XXXX application to be approved in a little less than XXXX months. I honestly cant take the heat without becoming very ill. Since the pandemic began, it became harder and more costly to find ways to go to the store, pharmacy, appointments, and have the necessary availability to have water and heat. We have found a lady that has let us stay on her couch a few times at night for the last XXXX nights but we are out on XXXX XXXX during the. We dont even have a vehicle that we can sleep in. We have been XXXX since XXXX and we dont know how its possible or why we cant get emergency housing. This is literal housing discrimination on an epic level. We need guidance and assistance. The Indiana case # for our Landlords foreclosure is Cause Number XXXX