Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Harmon Law Offices, P.C. (RI)

I took a mortgage in XXXX XXXX on a property located in Rhode Island ; the note was dated on XXXX XXXX XXXX, with the first payment due on XXXX XXXX XXXX and the lender was Bank XXXX, XXXX : 1st Note ( see attached documents- XXXX pages ) The mortgage was recorded on XXXX XXXX XXXX and XXXX was acting solely as a nominee for the lender XXXX. 

On XXXX XXXX XXXX XXXX assigns and transfers the mortgage to XXXX : 2nd The same assignment was prepared by XXXX ( now XXXX ) and was recorded XXXX XXXX XXXX in Book XXXX, page XXXX : 3rd On XXXX XXXX XXXX, the same assignment was recorded, and again on XXXX XXXX XXXX, the same assignment was recorded but signed by a different identity. 

On XXXX XXXX XXXX, I received a letter from XXXX XXXX XXXX indicating that Bank XXXX had transferred the loan to XXXX XXXX XXXX on XXXX XXXX XXXX with NO ASSIGNMENT ON RECORD. 

On XXXX XXXX XXXX, Bank XXXX XXXX sent a letter to my attorney, stating that all correspondence is to be directly made to XXXX XXXX XXXX XXXX. 

On XXXX XXXX XXXX, XXXX XXXX sent a letter acknowledging a payment received from me via XXXX XXXX on XXXX XXXX XXXX, which was returned to me ( see attachment of payment ). 

After many struggles to get all my questions answered, and to request loan modification, which was lost in the shuffle ( in mid process ), I have received a certified letter from Harmon Law Office XXXX XXXX, MA, dated XXXX XXXX XXXX, advising that the law office schedule a foreclosure sale to take place on XXXX XXXX XXXX at XXXX XXXX 

I do not know who retained them to proceed with the foreclosure. I strongly believe Harmon Law Office does not have the authority to foreclose without disclosing the name of the investor and servicing company they represent. 

The certified letter ( see attached document- XXXX pages ) gives me the impression that they are the ones who are holding my note, which can not be true. I feel that I have been a victim of fraud and have not been treated fairly within this system. I truly need your help in protecting my rights and in exposing their wrongdoing and fraud, and ultimately protecting my security and investment in my home. 

Additionally, my attempts to have my complaints heard in the legal system have been futile. I obtained legal representation from XXXX XXXX XXXX, XXXX, and was put into a class action lawsuit, which by court mandate of Judge XXXX assigned a Special Master, XXXX XXXX ( a former XXXX bank president ), to oversee our mortgage fraud cases. We were required by the court to make payments to XXXX XXXX to be put into escrow account to be applied to our settlement as they claimed to attempt to get mortgage modifications for us. 

I made approximately {$10000.00} in escrow payments to XXXX XXXX, Special Master, in order to maintain my suit, only to have her taken off the case by the judge and the special master program suspended, as it was shown that it was a conflict of interest for her to have been involved, being that she is a former XXXX bank president and we were all suing XXXX. XXXX XXXX then gave my escrow money to XXXX as " use and occupancy '' without crediting me or informing me, which is extortion, as I do not pay rent to XXXX to own my house and never made any such agreement regarding the escrow. To add insult to injury, the supposed modification they offered me, was for {$70000.00} more than the current assessed value of the property plus penalties, which was a terrible offer that would have left me severely underwater, and was no attempt to be fair with me, just averting my fraud case from going to trial. Eventually, Judge XXXX dismissed the class action lawsuit, my case was never heard, my special master escrow money illegally given to XXXX, and ever since Harmon Law Office has been threatening to foreclose on my property.