Carrington Mortgage Mortgage Complaint

Carrington Mortgage Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Texas

- am filing a complaint on what I believe to be Wrongful or Unlawful Foreclosure '' Although my house was foreclosed on -/-/- I believe that I evidence proving that Carrington Mortgage Services, - - -, -, CA - ( - ) - did not follow the Proper Practice Guidelines set out by the - following the - - - MERS '' lawsuits. I should also note that my mortgage in fact was a part of the - - and - of - MERS '' issue. In - - I filed for a forbearance with - which consequently never happened I suspect due to the federal investigation. In -/-/- - - held up all transfers of service - was negotiating and I do n't know the release date but I do know my


was $.00 I immediately called Carrington explained the - situation at which time we began what I believed to be the forbearance process. The process took ( - ) sets of paperwork sent -/-/-, -/-/- and the final paperwork -/-/-. The entire period I was told my paperwork was only good for 30 days and it had expired the first - times. Finally -/-/- a letter was drafted and I received - separate envelopes in mid -/-/- denying me loss mitigation, deed-in-lieu, a short sale and a loan modification due to excessive forbearance. Next thing I knew I received a Notice of Pending Acquisition dated -/-/-. The notice stated that the title to my property was expected to transferred to Carrington then transferred to HUD, and it was only when I received Notice Of Acceleration -/-/- did I realize the trustee of my note MERS '' was removed and it was now owned by Carrington. I also know that my MERS # is inactive and that raises a question in itself. My continuous calls to Carrington included requests some of which were trying to find out how I did n't qualify for any help, could they prove transfer of title, workout plan, my need to have money to move and a few other things. Upon their disinterest to help me or work with me in any shape or form I started my own due diligence because I felt something was not right about this whole foreclosure process and I wanted to find some facts about it 's legality I am shocked to find as much as I have. The following is the list of what I found through my research and telephone calls and these would be the very essence of my complaint. At the time I first requested a forbearance from - they were already involved in the federal issue and I should have been informed that my request was NOT going to be approved and/or looked at a ) because they were transferring service b ) they were involved in a investigation. When I received the transfer notice Carrington had an obligation to follow - Guidelines which clearly outline my rights to be Homeowners have the right and lenders are obligated to offer any and all options for foreclosure avoidance through the following practices '' a ) the right to proof of an accurate balance b ) the right to proof of assignment c ) the offer of loss mitigation d ) the right to have my appeal, complaints and requests addressed e ) the right to a timely review of my request ( s ) f ) and finely the right to retain my home period! I have much more to this complaint so I am attaching the whole complaint to the document upload.