Prospect Mortgage Mortgage Complaint

Prospect Mortgage Mortgage department,

FHA mortgage Loan modification,collection,foreclosure New York

I obtained a - Mortgage from Prospect Mortgage in - thatincluded 3 months of mortgage payments. Prospect transferred my loanto - who did not apply those payments so that when I made mypayment in -/-/- they returned the payment saying I wasin default for not paying the first 3 months. I called Prospect and was toldthey no longer service my loan and referred me back to -. I wentback and forth like that until I hired an attorney to assist me in -/-/-to see if I could get a Making The Home Affordable Modification. Aftermy attorney did research it was found out that - failed to applymy 3 month payment that was sent to them from Prospect Mortgage andthus made it seem like I did not make the first 4 contractual paymentsunder FHA. As the loan was a gut rehab - loan with $ - towardsthe work to be completed I could not live in the home until the house wasat least habitable ( with working toilet, kitchen and bedroom ). Prospectdue to - 's negligence in handling my payments was informed ofthe forced delinquency and then refused to pay my contractors. So Ithen had to come out of pocket to pay them for the work they had done. - stated they could n't give me a Modification because they didn'tfind evidence of my first 4 contractual payments which would have beenthe case had they appropriately applied my 3 month mortgage escrowand my -/-/- payment which they returned. When evidence of thenegligence on - 's part was presented their next argument wasthat I did n't live in the home. Which did not have any working plumbingnor was habitable due to their incorrect classification of me as a delinquentborrower. Prospect Mortgage has not released any money since -/-/-for work repairs. I need to have my home complete before the end of yearas I need to put in my boiler for the winter.