Consumer complaint received 2016-03-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

I have had issues since 2008 when I refinanced my house with Indymac. The day I was approved was the day I was laid off and I told them that but they said they did not care. One thing lead to another and I got behind. I went to Credit counseling and continued to try to work with the agency but they were no help and I kept getting behind in other things to try to pay the mortgage. I tried to file a complaint and then they stated they became XXXX XXXX and could not take the complaint. In order to get assistance I had to not pay my mortgage for three months. I did that and it got worse which then lead to seeking to obtain a " cram down '' with a Chapter XXXX. The bank did not budge and would not do the principal reduction. They valued the home at {$110.00} and I owed about {$280.00}. I changed the bankruptcy to a XXXX since they would not do the cram down and the loan was discharged but I said I wanted to keep the home and not foreclose. Once the bankruptcy was over I could not find my loan on line anymore and when I called they said they did not have it and it was foreclosed, it was not foreclosed. Months went by and I then got information from Ocwen Loan stating they took over but in order to restart paying I had to pay a large amount, they would not take any payment except the lump sum that was behind. They continued to call me with a different person every time that did not know anything and often contradicted the other person. The offers they made me were to increase the interest, extend the loan to 40 years and reduce the payment a little. I advised them it was ridiculous since it was value so low but they told me to just worry about now and the payment, not the future. This went on with no foreclosure paperwork, then they finally served me. A few times I received paperwork that I failed to do my modification that I never did. It was an endless game that I was not going to win. I continued to maintain the home and had renters in it when they finally served foreclosure paperwork. I spoke to an attorney and told them everything and they stated there was alot of misrepresentation but it would cost me {$8000.00} and no guarantee that he could reduce the principal. The court went on and I began getting lots of scam things in the mail. One was from XXXX which I ignored but I went to the final court case and they were there to advise the court of how I did not comply. I asked who they were and they said they represent FHA. The judge ordered a sale date and I advised her this was discharged in the bankruptcy and she stated she would note it. I had told the renters they did not have to pay but would have to leave when the court advises me. The sale date came, there were offers and XXXX closed it in a few hours and it was sold to them which seemed weird. I got no notice at all and was keeping up on the court website. The renters were not very cooperative at that point so I wanted to wait until I got notice and I was going to go clean out the minor personal items I had left, one being the tools from my deceased father, old albums, and some household goods. I never got any notice and finally spoke to the renter and they said the gave them notice of three days and they worked it out with them but the house had been stripped and XXXX XXXX had a lock on the door. I was floored. The house is now on the market for {$140000.00}, way below what I was expecting them to cram it down. I would like something to be done about the scams that are being done, they did not try to help me at all. Now they have sent me a XXXX for the difference. My credit was excellent prior to this, I always paid on time before I began to seek help and this is how I get treated. I am so burned out and went through so much that it has taken me so long to complain. I also am at the point that I just had to let go. Is there any recourse?