Consumer complaint received 2016-07-01
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JAMES B. NUTTER & COMPANY (NY)

What happened is my XXXX mother wanted to get her roof done. The house was paid for and was value at {$500000.00}. A flyer was put in the mail box from a contracting company ( XXXX ) and my mother called them. My mother entered into a contract with XXXX them to do her roof. Once the roof was done this is when the games began. The contractor told my mother that she did n't have to pay for the roof. He told her that President Obama started a program that senior citizens can get this work done and not have to pay for it, He said in fact they can also get paid if they enter this program. My mother was very bright but her eye sight was all but gone and her hearing was very bad. In fact the ear doctor want her to use a hearing aid but she just would not except that. The contractor told her he would get her the papers. My mother not able to see what the papers said call my sister to help her. My sister came down and these man told them that if she went into this program that she could not only get her roof paid for that they could do the hold house and she would not have to paid a dime. They told them that the program was called a reverse mortgage and that how it worked is that money would taken from the house and that it will not have to be paid back. He told them that when my mother passes that the reverse mortgage will then go to my mothers next child that was XXXX or over and lived in the house. He looked my sister in her eye and told her that when my mother passed that the reverse mortgage will then come to my sister and since she at that time was XXXX that she could live in the house until she passed and she also did not have to pay anything. He told them that my other sister who was XXXX and my brother who was XXXX who was all living in the house would be able to live out there lives in the house without paying anything under this program. 
My mother at that age was taking care of my XXXX XXXX XXXX sister because she was in bad health. She was in and out of the hospital. She had XXXX. My brother had suffer XXXX and my mother was also taking care of him. When this man told her about this program that would guarantee her children would have a place to stay after she passed. All they would have to do was pay the taxes and the homeowner insurance she thought it was heaven sent. My mother believed them and enter into contract with them. The next thing you no is the contractor is redueing the kitchen the basement the front step the sizings of the house. The thing is that none of this work needed to be done and most of it was not done right. You can send a inspector and see for yourself. They charge my mother over {$300000.00} for this work. Every cent was taken out of the house. My mother passed XXXX XXXX, 2011. The XXXX companies that was involve in this from the start XXXX bank and J.B.Nutter have been trying to put us out the house ever since. XXXX XXXX who own the mortgage have foreclosed. 
XXXX who was suppose to council my mother called her on the phone and my mother could not hear them. A My nephew just stop in and he took the phone to tell her what they was saying. He said that he did not understand what he was repeating. I have been told that when my mother could not hear on the phone that XXXX should have stop the counseling and counseled her in person. My mother and my sister was believing what these people told them and that why my mother took the reverse mortgage. 
What i am trying to do is to get them to honor what they told my sister and my mother. Let my sister and brother who was XXXX was in the house when this all happened live out the rest of there live in the house. My sister in now XXXX and my brother is XXXX and XXXX of them is in poor health. I left my job XXXX to come back XXXX to take care of my mother because I realize that she could no longer continue.