Consumer complaint received 2022-10-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I filed for XXXX XXXX bankruptcy a few years ago, I think XXXX. What I understood at the time was the pre-petition amount I owed on my mortgage was supposed to be in my plan along with my vehicle and the attorney fee ; the post-petitiin amount I was supposed to take care of myself. 

I attempted a loan modification which was not handled properly by the lender as they sent me documents that were already expired and refused to correct and resend. The terms were also not reasonable or even conducive to me keeping my home, I denied it. When I made an additional payment, the lender treated it like a regular payment rather than put it toward the post-petition arrears. The lender informed me that it was up to them how any payments were applied. They blocked me from paying online which is of course faster and easier. When I changed insurance companies, the lender recalculated my mortgage payment and that is the amount I have been paying. The lender or anyone else ever told me the post-petition amount wasn't included in that recalculation so essentially, no funds have been going to that amount of arrears. They also reported to my bankruptcy attorney that I missed a payment that I provided my bank statement showing that I made. I did apply for forbearance in XXXX because I was only received part time pay from my previous job due to covid, I did XXXX XXXX payment under that plan. I applied for the XXXX XXXX XXXX XXXXXXXX due to the financial strain that had been caused by covid because I was reduced to part time pay for 10 months, and got approved in XXXX this year. As of today, the mortgage company has not provided the necessary information to Dept of Community Services in order to receive the grant toward my mortgage. 

After paying into the bankruptcy plan since it began, the only thing payed in full is the attorney. The plan just began making payments to my prepetition mortgage amount this year and because of the difficulty with how my extra payments were to be applied, the post-petition amount hasn't been payed off either. 

The lender is now petitioning to remove the stay of protection of the bankruptcy in order to foreclose on my house. 

I do not feel this situation to be fair to me by neither the lender or the bankruptcy. The situation is much worse now even though I have been paying into the plan and making the current mortgage payment. I'll admit my financial struggles have not improved and the bankruptcy is in XXXX although I've done everything I can to get above water because now it is danger of being dismissed. 

Despite my XXXX and worsening medical problems due to the prolonged stress of this situation, I am working full time and looking for a second job to try and pay more towards whatever I can to fix it. Thinking the XXXX XXXX was going to help and trusting the lender to help was a mistake, everything is just worse now. 

I need help to figure this out, the bankruptcy was supposed to help me and it hasn't. The HAF could help me but the lender won't let it. This is all just wrong and unfair and I need help. Please.