Consumer complaint received 2023-02-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CountryPlace Acceptance Corporation (TX)

Your point has been made and you have won. I accept defeat. I never wanted to stay in this situation however I had no choice but to remain here in a uninhabitable home. I tried everything I could to the best of my ability to acquire the necessary items needed to make it habitable but I was unable to do so. I still have a pending XXXX case for the water. 

I will move in fear of harm that might come to my family by not doing so. It is difficult to do given that I have a wrongful foreclosure on my credit according to law. I will continue to make payments on my shed however I dont think I will be able to take it with me because I have no where to go. I can not find a place to rent with my dog and two cats they arent allowed and I cant give them up. I will be homeless until my cpa completes my XXXX taxes because I need them in order to obtain new living arrangements because I started my business XXXX of XXXX so I need my 1040. 

Why couldnt I have been approved for loss mitigation due to the fact that I didnt have safe reliable water? I was told that I would have to pay over $ XXXX to make the whole subdivision complaint if I wanted aqua water. 

Why couldnt we have pursued loss mitigation to prevent foreclosures and correct and address any mistakes that were made or concerns that I had that were completely validated? Or forbearance? Or a repayment plan? Or reinstatement? 

If you were so kind enough to hold off on the foreclosure so that I may figure it out with the sellers how come you couldnt have waited until I could figure out how to get water or any other circumstances that were out my control could not have been considered? The only thing I did was stop paying my mortgage but thats the only thing that I could do to ensure the safety and security to do anything for my family. We would have needed money to pay to move the power poles according to bluebonnet electric cooperative. We would have needed money to get aqua water. We would have needed money to correct the foundation, drainage, and boundary issues that needed to be corrected. We tried utilizing all warranties, insurances, and resources before not paying our mortgage but we either ended up not having anything that we were told we had. We didnt have mortgage insurance, title insurance or an owners policy or anything to avoid this. Im extremely confused how any mortgage company can come to the conclusion that when I bought a house that I would ever have the want to be a homeless, non paying citizen in pursuit of a free home. I never wanted to be in this situation. If there is no such thing as respa, XXXX, and others laws I thought were made to protect me from this thats fine I understand now. What can I do to then? Who can I pay and where do I pay and how much do I pay? Or its too late then ok now I understand I was wrong for thinking that the laws do not apply to consumers as much as I thought they did and its a bunch of bull XXXX I just thought I had as a citizen. 

Why did you send my husband a 1098 tax form this year in a different format that the previous two 1098 forms and why are they only in his name when our mortgage was in both of our names? I will not make my husband suffer this alone and I will reach out to the IRS if you are unable to address this. 

Do you not have any consistent with 1098 tax forms that you send to your consumers because it looks like each year Ive gotten a 1098 tax form from CountryPlace mortgage the order of items disclosed are changed and confusing. 

Do you normally provide invoices XXXX as the one for the appraisal and it counts as proof of payment? Because an invoice is not proof of payment and I dont think you can prove that in regards to the well the appraisals or the XXXX XXXX. Honestly I couldnt get away with it on my taxes Do you usually send 1098 tax forms in our own document or in the document that looks like and official 1098 tax form from the irs? Im confused on why this years 1098 tax form looks so different from the previous two years. 

When buyers purchase points for interest rates points or discount points how do they know? And where are they supposed to be given the chance to deny or accept them? Because I had no idea that I had been given two different interest rate lock forms, that I had a choice or what they are even for or how that happened. I just got a new pre qualification that said I was getting a 3.5 % interest rate on XXXX I didnt know I incurred extra costs for this. 

Why would XXXX XXXX assume that we would have any gift funds in the specific amount of {$2700.00} if we did not give him that impression? 

My husband and I were both state employees on a monthly salary at the time we bought the property how can and why would our income change? It should not have. 

Lot 3 has been foreclosed on in XXXX of XXXX. You stoped receiving mortgage payments XXXX of XXXX. You have not attempted to evict her as you have done so to me. You know that lot XXXX does not suffer from property abandonment yet you continue to take wrongful actions fully aware of them prior to making those decisions. Not having paid my mortgage in over a year is not a valid reason for foreclosing on me and evicting me. Its is only in pursuit in retaliation for every complaint and answer I have sought. I completely understand that I have provoked you to harm me but I do not regret trying to bath my child in water that did not have bleach in it when she is allergic to bleach. I wont apologize for that and I do not understand how my circumstances is only seen as a refusal to pay my mortgage. If there is any way that you could please release my husband and two children from the consequences of all of this I would greatly appreciate it. They are innocent and had nothing to do with the frustrations and anger that I have caused you. 

I tried to pursue a title claim but you won again you waited until the day after you foreclosed on me to deny the claim. 

How could I have sold my property and have been okay? I would have had to sell my property at an unrealistic price tag just to cover what I owed. The structural issues and inability to make repairs made it an unrealistic choice to sell. The fact that the shared well was in violation of the groundwater district rules and the inability to acquire public water utilities made it hard to sell. The fact that I had mold issues, foundation issues, and drainage issues, water damage on a brand new house made it hard to sell. The fact that I installed an extension to my driveway on my neighbors property and did not have the surveys from XXXX XXXX XXXX created an additional issue. I had no fire hydrants, my power pole was installed on another property and none of my electrical or water lines could be located from 311. 

I watched that house get built before electricity was even installed on the property. It was not already set up. The first time palm harbor pulled my credit Report was on XXXX XXXX. 

My house is located in the Wood-run subdivision that is owned by palm harbor homes XXXX Your address is listed on the documents and deeds. Making it inexcusable to have listed my house in XXXX in the first place. I dont know who XXXX XXXX XXXX however he has been a part of this the entire time. 

Independence title paid {$130.00} for taxes on our behalf on XX/XX/XXXX and Country place mortgage was refunded {$130.00} on XX/XX/XXXX. 

The XXXX XXXX surveys were not conducted in XXXX. They were from XXXX and the date was changed to XXXX. 

XXXX sorry but I will continue to ask questions and try to understand all of this because I dont ever want to be in this situation again. The only way for me to avoid this is to gain the knowledge and insight that I clearly needed before this happened.