Carrington Mortgage Mortgage Complaint

Carrington Mortgage Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Pennsylvania

Effective - -, 2015 my mortgage was sold from - to Carrington Mortgage company. As stated on the - letter of transfer, any payment due on or before -/-/2015 was to be paid to -, anything due -/-/15 or after was to be paid to Carrington, mine was due -/-/15 so this payment went to -. I never received a letter of transfer from Carrington expressing the terms of the transfer so I had to go off of what - had sent to me ( at the time of transfer, I was paying under an approved Modification Agreement with - ). Even after calling Carrington, I could n't get any payment information until my -/-/15 payment was due. On -/-/15 I called Carrington and asked them what my payment would be, if it would be the same as what I was paying -, or if things had changed. - ( - ) told me that my $760.00 payment would remain the current payment so that is the payment I made. The same thing on -/-/15 when I spoke with - in the Home Retention department as I escalated things because I felt as though I was getting vague and inconsistent


normal '' payment she informed me that she could n't accept it as I have n't been paying the correct amount and my account was past due. She further informed me that I had n't made a payment since - ( which my loan was still with - at that time ) and I would need to make a minimum payment of $950.00 to pull my account to just one month behind. ). I asked her why I was never informed that my payment was different than the - with -, and why - 's letter of transfer stated that the transfer will not affect the terms or conditions of your loan '' and why I never received a letter from Carrington regarding the transfer or the increased payments. None of these questions she could answer, so I asked to speak to a supervisor, she got - on the phone, but only for listening purposes, I could not get the individual to answer me directly, only through -. All the while, I have been getting repeated regular mail and certified mail threatening me with Intent to Foreclose '' but when I call, everyone that I talked to above, including a conversation with - in Home Retention, I am being told that I am not flagged for foreclosure, and to ignore the notices. I CAN NOT ignore threatening mail, consistently sent, threatening mail saying that they would foreclose. Now, I have received notification that my insurance is coming due-/-/2015 and that Carrington has not paid it.. I have no problems making my payments, as long as my payments are made clear to me, that I know when and where my money is going and that my escrow payments are being made on time, every time. However, at this point, I do n't know that I can trust this company to follow through with what they say or what say they are going to do. I did not ask for this, I ran in to financial trouble a few years ago, but through - had finally made my way back to being on track and in good standing. Now I have to do it again with a company that has no interest in my attempts to meet their demands and insist on degrading me for being in the situation that I was and that this is all my own doing ''. I do n't want to lose this house, I want to be on the level with whomever holds the loan, but with Carrington, I ca n't seem to do that, every time I call them to straighten things out, I find out I 'm even more behind, even if it is simply days after I spoke to them before. Please. Let me know what other information I can provide for this complaint as I need your help. Attached are the following documents : - Letter of Transfer Carrington Letter for Service Members Civil Relief Act Disclosure