Caliber Home Loans, Inc Mortgage Complaint

Caliber Home Loans, Inc Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure North Carolina

The mortgage in question began on or about - the -, -. I wondered how I was approved for the loan from - with my credit the way it was and my debt to income ratio ; and they told me my wife at that time did not have to sign the note. Bad decision. Went to - -/-/- to what I might could do to stay in my home. Had to apply for a modification, after that had to file bankruptcy ( chapter - ). I was discharged - -, -. There was a class action lawsuit against - during this time that I never could get the true facts of who and what it included. I basically heard nothing from - after the bankruptcy except for a monthly statement that was as stated on it ( for informational purposes only ). But did not receive this statement every month. This went on for about three years. Next thing I know I receive a letter from Caliber Home Loans on - -, - that stated that the prior owner had sold the loan to - Master Participation Trust on - -, -. Not long after that, well about 3


but not enough income to afford the payments without a major adjustment to something concerning the mortgage. Went back to housing Counseling on -/-/- to look at options to prevent foreclosure and stay in my home. On -/-/- sent a Qualified Written Request Letter to Caliber Homes Loans. I received a response letter back on -/-/-, some requested information was answered other requested information was tagged as ''PROPRIETARY INFORMATION ''. I sent back a response letter on - -, - requesting any and all options for LOSS MITIGATIONS that might be available to me. To date I have received a response from Caliber Home Loans, but no answer to the Loss Mitigations Question. I also sent a letter of REQUEST FOR INFORMATION on - -, -. The last letter that has been sent to Caliber Homes Loans c/o - - was sent on - -, - also requesting again Loss Mitigations options available to me and Documents of Legal Transfer of Property from Household Finance. Have not received a response to date except for the 5-day acknowledgement letter. However on - -, - went to my foreclosure hearing in - County North Carolina and the - - - granted the foreclosure sale to be - -, -. I am now in the process of trying to appeal the decision because I found in the paperwork given to me at the hearing that - - - -, - changed the SUBSTITUTION of TRUSTEE to - - -, - - days before the Court Date. Is that legal in North Carolina? Or is it legal to have - substitution of trustees on the same Deed of Trust?