Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
We were behind on mortgage payments due to illness of both my mother and husband. My mother 's condition was XXXX  and my husband 's condition was serious and he was off work for more than half the year and I was XXXX for them both while struggling to buy medication and pay medical expenses and work. I took off work several times to provide care and transportation to and from hospital and rehabilitaiton as well as doctor visits for them both. I have diligently been trying to save our home since falling behind in our payments. We currently reside in the home and have always lived in the home with my mother, since she purchased the home. My mother XXXX XXXX in XX/XX/2010 after several years of batteling XXXX XXXX and XXXX XXXX. My husband and I have always lived in the home with her and provided care as well as well as financial support to pay the mortgage. 

XXXX  XXXX XXXX ( WROTE OFF THE LOAN ), the servicer at the time, asked us to provide paperwork and more paperworkk and new paperwork and more paperwork for a number of years after which they told us they couldn't help us because the mortgage was not in our name. We went to the courts ourself and filed paperwork to have the courts hear our story and they moved for us to enter into a mediation. We never missed a hearing and provided everything needed and the bank said again the same thing, it's not us it's XXXX won't allow us to modify the loan because it's not your note. They continued even stil to ask us to provide paperwork for their review as they had other was of helping us and we continued to provide their request for docuumentation as ridiculious as that sounds with no satisfaction. We hired an Attorney, to help us and paid him thousands of dollars trying to save our home. At the end of the day, he sent us to a bankruptcy attorney and I filed. We were unable to continue with the bankruptcy because the payments were over {$5000.00} per month. Once the stay lifted, XXXX XXXX XXXX was ordered to trigger the sale and they did not continue to pursue and filed a motion to remove the foreclosure and the court dismissed the case. XXXX  XXXX XXXX WROTE OFF THE LOAN. Next, we hear from a company XXXX / Fay Servicing who has come stating they own the property. We never heard of them and started this process all over again. They were even more difficult to deal with than XXXX XXXX XXXX. We contacted the court for a mediation and again hired an attorney. They asked us for a packet of information and we provided it to them the court and their attorney. They never acknowledged our paperwork nor ask for anything additional. We worked frantic to meet the mediation dates and continue to speak with them and ask when they were going to look at the paperwork. They never reviewed our paperwork or offered us a modification. We are now facing a foreclosure within days even though XXXX XXXX XXXX had written off the loan. We are asking for you to help us as we don't know what else to do and our attorney is not knowledgeable with how to proceed. I don't know how they came to be the servicers and what happened monies they received from the first bankruptcy I filed. This property is owned by the hiers of my mother. Me, my brother and her XXXX grandchildren XXXX who are under age XXXX. PLEASE HELP!

Company response to consumer: Closed with explanation