Consumer complaint received 2017-10-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WY)

We received an FHA loan from XXXX in XX/XX/XXXX, which has fallen into foreclosure. The loan was transferred to XXXX XXXX XXXX ; we applied for loan modification at least five times with XXXX. Each time, the bank indicated we requested the modification to be stopped, we did n't supply sufficient data, we were n't available, we did n't engage in the process ; none of which was true. InXX/XX/XXXX, XXXX XXXX XXXX  set sale date for our property - which was cancelled the morning of. XXXX XXXX XXXX  representative stated she wanted to help us salvage our home, and assisted us in filling out the final HAMP packet - then the loan was transferred to Carrington Mortgage Company.
We discovered the value on of our loan was based on a fraudulent property appraisal initially issued through XXXX. This issue was perpetuated by XXXX XXXX XXXX, and came to rest with Carrington Mortgage Company.
IN XX/XX/XXXX we hired an attorney. The attorney met with representative from Carrington for several months, until suddenly, they were no longer representing CMS - this was XXXX XXXX. A new law firm was, XXXX XXXX XXXX, whom we met with in ongoing measure over the course of nearly a year, then suddenly, this law firm was no longer representing CMS. Currently, XXXX XXXX XXXX is representing their interests - we have emailed XXXX XXXX repeatedly with no response and sent notification of debt dispute within thirty days of service, XX/XX/XXXX.
The sale is still set to take place on XX/XX/XXXXat XXXX XXXX, despite no communication from the attorney or CMS. It is worth mentioning, CMS has never contacted us directly, aside from leaving blank door tags on our door, and once, inside of our residence.
We have offered to do a deed in lieu of foreclosure, a short sale, a loan modification, even a buyout - CMS refuses to work toward any common ground. We feel strongly they wish to rid themselves on the ongoing bad debt, collect their FHA insurance, and attempt to resell the property - however, due to the false appraisal, the residence encroaches upon neighboring property and will result in additional litigation. Further, the home has no rear yard, no access to the rear yard, and as a recent survey disclosed, side yard property lines that violate local building code.
While we are willing to work with the CMS, we ca n't dismiss that property was fraudulently appraised.
XXXX XXXX XXXX  repeatedly used deceptive practices to avoid issuing a loan modification when the balance was reasonable.
CMS continuously switches representation, likely in an effort to force their will to sell. However, in doing so, I am being deprived of my rights, as I do not believe I owe this debt as it never should have accrued to this point, and has only done so at the evil hands of XXXX XXXX XXXX Lastly, as I have been in " pre foreclosure '' for a number of years, they have robbed me of my ability to refinance the land or any portion thereof. Naturally, their error/deliberate and misleading appraisal did n't help ; the loan is completely upside down.
This system was designed to fail the folks at the bottom.