PHH Mortgage Mortgage Complaint

PHH Mortgage Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure North Carolina

In -/-/-, a series of unfortunate banking events led to my mortgage payment being deducted form my checking account -. The servicer ( PHH Mortgage Services ) was not willing to help recsend a payment and the Bank suggested that my only course of option was to stop payment on - of the duplicates. I did so as my family would not have had enough money to survive. In -, I made a payment to PHH by phone and using this same checking account. The representative assured me that the payment had gone through just fine as usual. In -, I was informed that I was now behind on my mortgage as this payment did not show up. This is when the trouble began. Through various demands for payment and forced re-payment plans '', I have given PHH almost $22000.00 in the past year and am still being sent past due notices. I 've now been sent a


cycle. This has caused a great deal of distress in my family and has caused me to get dangerously behind on other bills ( student loans, car payments ) as well. Most recently, I responded to a late notice by paying the amount asked for ( $3400.00 ) by the date it was asked for ( - ). PHH took the payment. The payment came out of my bank account. Two weeks later I received a notice that my account had been referred to an attorney for foreclosure. This was an awful thing to read. PHH initially claimed that they had no record of the notice demanding the $3400.00 and that I had not paid enough so they had returned my payment (? ). After two days of arguing my case, the notice was found and I repaid the $3400.00 and was taken out of foreclosure. This was a large mistake made on their end and I ca n't help wondering what other large mistakes are being made at PHH Mortgage Services. I 've gotten nowhere in my attempts to talk this through with them.