Consumer complaint received 2024-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
I requested an answer to my main question above on this site complaint # XXXX : YOUR COMPLAINT I think I am experiencing predatory lending. Carrington Mortgage bought the loan years after the loan was discharged in bankruptcy court a long time ago. I think 10 years ago. It looks like they are trying to collect old debt that was discharged a long time ago. They are making us pay more than 2 times the original mortgage payment, or they will evict us. According to pennsylvania latches, they debt can only be collected for the past 4 years. It might just be a misunderstanding, but I asked them to clarify why they are collecting a stale mortgage that has already been discharged in bankruptcy so many years ago. The agent said I have to send a letter to legal, meanwhile I'm still under threat of eviction. I understand that they bought a bad mortgage, but they should be only charging for the past 4 years? The old debt has already been written off in bankruptcy court years before they bought this loan. The original bank went out of business. I just want clarity, and an adjustment. You can not collect a discharged debt. Here 's my emailed question, XXXX XXXX, Can you explain what we are paying for? It has not been made clear to me what we are paying for. All we know is if we dont pay over $ XXXX, we will be evicted. Please see the info below. Please explain all portions that you want us to pay, because it looks like you are attempting to collect a debt that is more than 4 years old in the state of Pennsylvanias statute of limitations. Please explain how this does not apply to what you are expecting us to pay you, and please highlight the dates that correspond to why each portion of this $ XXXX debt does not apply to the 4year statute for the state of Pennsylvania XXXX Thank you The bank responded that there was a third party in the complaint they did not recognize, and they would reply to me directly. The only persons mentioned in the complaint above is myself, and a carrington employee. So far the bank can't answer a one sentence question. Instead they sent me a letter asking for me to fill out a modification of the $ XXXX debt the created. The loan was only for $ XXXX. the debt was discharged in BK court over 10 years ago. Carrington is trying to collect a discharged debt, and PA law says they can not collect after 4 years on a mortgage. 

Also, the banks insurance company has refused to fix the roof. The home is completely destroyed due to roof, fire, and water damage. The only approved the fire and water claim. Everytime the contractor tries to repair the inside which was approved, the roof downpours water when it rains and destroys the work again. The banks insurance company says the roof repair after a hurricain was only worth {$700.00} which is under the limit for payment. We've had several bids for repair for over $ XXXX. Carrington Mortgage is trying to force us out of our home by stealing it from us. They are trying to get a loan that has been discharged, and letting the rain destroy the home. Right now the homes value is around $ XXXX, but they are trying to get over $ XXXX for it.

Company response to consumer: Closed with explanation