Caliber Home Loans, Inc Mortgage Complaint

Caliber Home Loans, Inc Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure New York

My complaint is with CALIBER HOME LOANS. We bought our home in -. Our mortgage was with - - and then -. With -, in -, my husband incurred an injury that required surgery and recovery time. During that time we never missed a mortgage payment. However we did miss a quarterly property tax payment. In - - - sent us a letter that we had defaulted on our loan. We contacted them immediately to work out a way to catch up on the taxes ( still continuing to pay the mortgage payment ). At the time, they were very nice saying they had a whole department to help people like us and they would work with us to give us a loan modification. I submitted all paperwork and I continued to pay my monthly mortgage. In - -, - told me to stop paying my mortgage. They said I no longer had a loan and my payments were not going toward my house. They never returned any payments I made either. I stopped paying. This dragged out for years as I was shifted to different people. With every shift I would start all over again. They still sent me


I could afford the house and they said I could expect a loan modification in about a month. That never happened and - -, they informed me the were selling my house on - -, -. After communications with our lawyer they canceled that sale date and for the first time - sent us to the underwriter under HAMP guidelines. They said we should have a new loan within 14 days. Before the underwriter could complete the process, our loan was abruptly sold to CALIBER HOME LOANS. CALIBER said that they do n't participate in the HAMP loan program and promptly set a new sale date for our home of - -, -. CALIBER sent me a letter on - - saying it was my right to request an independent review and during that time they could not continue foreclosure proceedings until the independent reviewer had made a determination. I immediately faxed them that that request. They received it and canceled the sale date. However on - - they set a new sale date of - -. I called them and said I had stopped the sale date and the foreclosure proceedings with an independent review ( they would n't tell me who was conducting the independent review ). I said surely they could not have conducted and made a determination between the letter they sent on the - and the schedule of the new sale date on the -??? They then said, actually, while they have a record of me faxing something over to them on - -, they could n't find my request for an independent review so none was being conducted and they were selling my house. I said, but I stopped the - - sale with exercising my right to an independent review! If you got nothing, why did n't you sell my house on the -?? '' The supervisor '' on the phone said he did n't know why they canceled the sale date. He said there was something in the notes about an appeal of the denial but he said, We are selling your house on the -. There is nothing you can do ''. So on - -, I filed Chapter - Bankruptcy to stop the sale. CALIBER has done nothing but lie and deny. They wo n't return calls, they loose paperwork, and they will not tell us who owns our note. They changed our monthly mortgage payment from $2100.00 ( - in - - ) to $5700.00 ( CALIBER in - - ) but wo n't say why even though all our paperwork says our loan will not change even when the servicer changes. They gave me a primary contact person but he is never available to talk to and he wo n't return my calls. They do n't want my payments. They want my house.