Carrington Mortgage Mortgage Complaint

Carrington Mortgage Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Virginia

I was notified by my Carrington Mortgage that my flood insurance policy had been canceled or expired on -/-/-15. Since I live in a condo and our building was never required to have flood insurance, this was news to me. Still I scanned the letter and emailed it to our association manager for him to check into it. Apparently we are now required to have flood insurance. The manager scheduled surveys and worked with our insurance agent to get this done. I received a - letter that stated that, if they did n't get a policy declarations page faxed to them in 20 days, Carrington would purchase flood insurance for me and bill it through my escrow. I spoke to - agent at CMS with no satisfaction ... she only repeatedly told me that they would be purchasing flood insurance for me -/-/-. Shortly after, I received, from our association 's manager, a copy of the flood insurance premium payment made -/-/- with a 30-day waiting period for coverage to start. -/-/- 2015, I wrote a letter ( attached ) and faxed it to the fax number for the policy declarations explaining all of this. I also asked for an


nothing short of the policy declarations page could remove the policy they supposedly purchased. Although I had until today, -/-/- to provide that proof, they placed the coverage on my loan -/-/- and backdated it for the coverage to start on - -, 2015, the supposed date that my nonexistent last flood policy was canceled or expired. I 'm sure that Carrington Mortgage is going to attempt to charge me for several months of flood insurance even though a ) there was no policy in place until - and b ) I, our association manager, and our insurance operated in good faith from the date of receipt of the first letter to secure flood insurance for our condominiums. I am not individually responsible for flood insurance for the condo building and we did everything in our power to get this done. I fear, based on my reading of many, many complaints about Carrington, that they are using this method as a way to increase fees to the business and defraud its clients.