Consumer complaint received 05-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I got a bad loan from XXXX XXXX in XXXX XXXX. My house was appraised for more then what the house was valued to buy it. I had the loan for under XXXX XXXX up until XX/XX/XXXX/XX/XX/XXXX when Carrington took over. I dont understand what was going on. It stated XXXX doesnt payments because they are out of business and Carringtion will collect payments. I never signed anything and I believe my mortgage was not suppose to be transfered. I had a 2yr arm at the time. In XXXX XXXX my income went down based on my business was not doing good. I stopped paying by XXXX XXXX. I tried to work it out with Carrington but it did not go smooth. So I hired someone to help modify my loan. In return I was referred to a law firm who did my loan mod from XXXX XXXX - about XX/XX/XXXX/XX/XX/XXXX when I believe the mod was done. The bank gave load mod, but all it did was add all arrears on the principal and I was still given a new revised ARM loan mod. The House was never valued then {$210000.00} from when I bought it to present. I was given a {$280000.00} Loan ( XXXX ) on a house that isnt worth that. Now the loan is {$360000.00} ( loan was modded under Carringtons servicing ) and the house still only remains valued at {$210000.00} or less. The house was then put up from short sale between XX/XX/XXXX-XX/XX/XXXX only to find out that, either the bank or realtor was lying about what was going on. The realtor said she was in contact with the bank, Carrington said they only had an office number with a different contact, but there was no contact going on. About XXXX XXXX, I have been trying to get a loan mod done. Everytime time I submitted a mod package myself, Carrington and its services reps finds a way to deny me. It is " always '' one piece of paperwork that is missing and why I get denied. Funny thing is I never received a letter from them saying why I was denied. Ive been recorded several times stating that. I hired a firm I thought who had a lawyer to help me. The kept a log which i have on documents submitted. Again every that company saw that Carrington was trying to deny me without even processing me. It got worse. I had to stop the sheriff sale twice within the last few months. XXXX XXXX I got the sale date pushed back to XXXX XXXX. Then in XXXX XXXX I had to go in front of the judge. A rep from the bank was on speaker phone. I pleaded to the judge Carrington is not giving me suffient time nor answers to make a loan mod. I showed proof I am actively working to save my home. I have always stated I intend to keep my home. So they know that, they arent giving me a chance at all because I feel they dont want me to get a loan mod. I had to file bankruptcy chapter XXXX XXXX XXXX. I saw the trustee on XXXX XXXX only for Carrington to still have an active sale date to sale. Im XXXX man going against a giant. I now have a sale date on XXXX/XXXX/XXXX, I put in my load mod package yesterday. I have to update with my P & L and bank statements. As per there site, " All requests for assistance must contain, at minimum, a completed and signed Request for Mortgage Assistance ( " RMA '' ) form. Failure to supply a completed and signed RMA form may result in delays in the processing of your request. '' I talked to my lawyer today, to save some money, he asked can I pay the money at the court house to get the date pushed back. I told him I cant because I used them alreadly. Im asking for help. This is my only option for right now. I havent received one letter from Carrington to why I was turned down by them or HAMP, which Im curious if HAMP even got the chance to review. Please help me, I dont know what else to do, I just want to save my home with fairness and not under pressure. They keep the date close, so they can find a way say im missing paperwork or tell me with out proof that I was denied and I would have to redo a new loan mod package, in hopes they can sell my home before it can get approved. Please help me

Company response to consumer: Closed with explanation