M&T Bank Mortgage Complaint

M&T Bank Mortgage department,

FHA mortgage Loan modification,collection,foreclosure California

My home loan was with - - - and I went into a slow pay with them and started paper work with them at that point. I was told that they would not work with me at all and I was told to wait till I was 2 months behind and maybe said they may want to help.. They did not do anything for me. Then a few months later they sold my loan to M And T bank and they send me a letter telling me that I was now with them and to start making payments to them ASAP. I called to make my payments and they told me that I could not make anymore payments till we sent in a modification package to see if they could help me. They would not take my payments then I sent all the information everytime that they asked me and then told me my documents were not current so they asked for info again and again and again and always at the 30 day mark. I was sent back again and again and never got help. Then I spoke to - - and he informed me that we would not


but they said they could not take them I was only 3 months behind. They told me that I could not make the payments. They then told me to re-apply and they said that I would not get approved but to try anyway. Then I went to find someone to help me but after 1 month they came back with a forbearance and they said that the payments would be - per month and that the agreement was for 6 months and after the agreement they would reconsider for a additional term. I made all the payments on time and - - 2015 was the last payment for the forbearance and I sent the payment but 5 days later they started a forclosure sale date of - - 2015 and told me that they did not have to reiview me again unless I sent info 30 days in advance. I never received a forbearance agreement from the bank and I never signed -. I have been requesting Info from the bank since -/-/2015 to show a signed forbearance and the terms but to this date they have not complied with my request this is now over - days. I also contacted the trustee quality loan services and requested them to respond to QWR and they did not comply. I just yesterday - - 2015 reinstated my mortgage in hopes that someone would help me. This bank is really a mess and if not for many hours of work I would have lost my home.