Consumer complaint received 2015-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (IN)

In XXXX we discovered toxic mold in our home ( recently purchased ) and we could not afford the XXXX required to fix the problem. We were forced to abandon the home but continued to make the payments through XXXX as we explored our options. During XXXX and XXXX we proactively communicated with the mortgage company on multiple occasions regarding the problem hoping for help in brainstorming solutions that would be mutually beneficial. As we were n't yet behind in payments they did n't seem very interested in our situation. We informed them that they house was being listed for short sale. Then in XXXX we had to quit paying so that we could get an apartment. With our payments delinquent they began calling - daily. I answered the XXXX calls XXXX interrupting baby 's nap times, my day at work, etc ) each time forced to relive the whole traumatic situation and explaining everything to the collector who could n't seem to " find that information in the notes on the account. '' I reminded them that the house was for short sale and that we would not be making any payments while it was listed. I told them that we would be submitting a hardship claim soon but as we had no offers on the property yet and we were n't wanting a payment modification of any kind that the hardship package was at that exact moment kind of a moot point and a lower priority than changing our homeless status. I told them that we would call them if anything changed in the situation - we would call them proactively as we had done from the beginning. As their calls continued and became even more aggressive in frequency I began ignoring them - there was no point in submitting to their daily harassment and having the same EXACT conversation over and over again when they already knew everything there was to know and I had no new information to give. A month or two elapsed as we got our lives in order. Then last week, the same week I completed the hardship package and was going to email it, I got a call from my old neighbor ( who has been watching the house, mowing the lawn, etc ) saying there was a notice on the door regarding the bank changing the locks. So on the day I sent over the package I also called and spoke to a bank employee. I reiterated our situation to her as well, and asked her why the notice was on the door, etc. It seemed foolish to me for them to change the locks which would only prevent us from showing the house and getting an offer in order to get them their money. She notated that conversation and then sent a request to the loss mitigation employee who was assigned my case and would call me back in regards to the notice on the door and the hardship package I submitted. I asked her to stress that he should call me back immediately. That was Wednesday. I still have n't heard from him today - Saturday. On Friday however, my neighbors witnessed the bank coming with a truck and removing all of our property and changing the locks! I am less concerned about the locks changing as I assume that my realtor could work directly with the bank and get around that. However I am infuriated that they stole all my belongings! 
My question is, considering all the details above and especially the fact that I had submitted my hardship package, did they have the right to change the locks and take my belongings. What recourse, if any, do i have in order to get my belongings back? 
Thank you! 
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