PHH Mortgage Mortgage Complaint

PHH Mortgage Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Pennsylvania

- - retained, then the - - - to help protect her home from foreclosure in -, -. Over the next several years, - - - worked with him and his lender, PHH Mortgage, to prevent the foreclosure sale of her home and to try to negotiate a more practical mortgage arrangement for - -To that end on - -, -, we Firm submitted a workout package for consideration to representatives at PHH Mortgage. Shortly thereafter, the client 's assigned Single Point of Contact, form that point, no one took the time to call or advise on documentation request. After numerous attempts on reaching out to PHH Mortgage, I was directed to speak to the Single Point of Contact 's manager, - - who then had - - - reach out tour firm and advise. Documents were being requested via email by - - - , and we complied every time. This back and forth continued for some time as now, the - - - - - and - - provided every single piece of requested documentation, while underwriters and their representatives dragged their feet, asking for documentation that was up-to-date previously and furthers other documentation that they had already


date that was to occur -/-/-. As of today, there is an upcoming sale date scheduled for - -, -. At that point of time, I we were dealing with - -, Escalation Specialist, until present, she will not take our calls. In the meantime as well, the client has provided updated bank statements and paystubs to PHH Mortgage but refuses to notify us on the update of the loan because PHH flagged the file as litigation. We were prompt numerous times to reach out to their attorney, - -, - and each time we were advise by their attorney that they do not handle modifications, document requests or review updates. We have written confirmation that documentation was provided to PHH Mortgage and confirmed that the client 's file was still under review, that all documentation had been received, and that someone would reach out to our office with update. I found myself calling PHH Mortgage - per week every week with the same run- around! After having this demonstrated to the Manager, Specialists and agent, everyone backpedaled and abjured any responsibility for providing misleading information about PHH Mortgage review process, despite this being the very essence of their job per the guidelines of the Making Home Affordable program! As mentioned previously to all the agents that barely touched the file, the client 's intention is to keep their home and go back to good faith payments. Since receiving the client 's workout application PHH Mortgage has not performed the proper due diligence the client 's file necessitates, and has caused undue stress towards a client who has experienced tremendous hardship, lives on a fixed income, and is doing everything they can to protect her home.. All throughout this time, the assigned everyone failed to communicate clearly about the underwriting and review process. I was either cutoff abruptly or told that there is a sale date an documents should 've been in for review. It is now requested that PHH Mortgage stops the sale date, review thoroughly, - - 's file and review him for workout options including HAMP, in-house modification and forbearance. It is also requested that PHH Mortgage censure all parties for failing to perform adequately as the borrower 's representative.