Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I have been attempting to obtain a partial claim or deferred solution for my past due mortgage payments to the lender, since XXXX of XXXX. I was forced to retire from work early and unexpectedly due to health reasons. At that time, and currently ; I am on XXXX XXXX  and social security XXXX. I explained to the mortgage company that I was having an issue with obtaining my scheduled XXXX payments. I was looking for a resolution to eliminate my past due mortgage payments and continue with the current payments. I did have a previous loan modification due to my loss of employment. At that time it was not known that I would not be able to regain employment. I did pay that trial period amount and modification as agreed. My intentions was to attempt to work with the lender on remaining current with the previous loan modification. I forwarded the requested documents for a new loan modification and was told all documents were received. The lender 's response at that time was it would be forwarded to the underwriting team, but to allow them up to XXXX work days for a response. After that time period expired and I didn't receive a response, I initiated communication with the lender on what their intentions were. Their response was since I had a previous modification that I was not eligible for another one. I was not notified of any type of made decision before I reached out. We were able to agree on once again submitting for another loan solution. The payment amount for a trial period was not doable and I explained that now that all this time had passed, my payments are getting further and further behind. The bottom line in this whole modification attempt was from day one, for me to be able to continue the current monthly payments, and hopefully defer the past due amounts. I then got HUD and VA involved and all I am hearing from the lender is we really don't have a lot of options to work with. Currently as of XX/XX/XXXX and once again only because I initiated communication, I was told that I was approved for a trial period that was due XX/XX/XXXX. Not only was I, once again, not notified of any decision, the requested monthly amount is higher than the last one. The lender representative stated that forms and paperwork would be forwarded to me for approval or disagreement, via email or overnight mail. I still have not received any communication. The new decided amount is not doable either, and I am not understanding why a better and/or a more sensible solution has not been offered. I am making all attempts to remain in my home. I do not want to become homeless simply because of my unforeseen health issue, put me in a financial strain, and my attempts to remain in my home not solvable, especially since I initiated and notified the lender of my situation immediately as it began to occur

Company response to consumer: Closed with explanation