HSBC Mortgage Complaint

HSBC Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Florida

On - -, 2015 PHH Mortgage was faxed Notice of representation for - - - requesting all correspondence be directed to our office as their legal counsel. On - -, 2015 a financial package was submitted to PHH Mortgage. PHH Mortgage did not send a confirmation of receipt of the financial package as required due to it being submitted 37 days prior to a sale date. A missing documents letter was not issued or sent to our office until - - via email from the banks attorney. PHH Mortgage has prevented the client from being reviewed for a loan modification by placing the file in a litigation status which prevents the client from communicating directly with PHH Mortgage. Our office has repeatedly requested updates from opposing counsel -, - and -, -. to no avail. After repeated request I was emailed a denial dated -/-/2015 on - -, 2015 almost 2 months after the denial. This also prevented the client from filing any appeal for the denial as it was provided well after the allowable dispute period. PHH Mortgage has not reviewed the file for a loan modification, has not provided a proper missing documents letter, did not provide the denial letter in a timely manner and has proceeded to schedule a sale date. Sale date must be postponed while the client is reviewed for a loan modification since PHH Mortgage has prevented the client from being reviewed for a loan modification since - - 2015.