PennyMac Loan Services, LLC Mortgage Complaint

PennyMac Loan Services, LLC Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Georgia

1. I have a FHA loan on my home purchased -/-/- through - - - which was sold to - - - shortly afterwards. I was terminated from my job -/-/- because I did n't qualify for FMLA to have an - that kept me out of work beyond my remaining - - days. I was hospitalized - of the 11 days. I fell behind on my mortgage payment that was $1700.00 at the time and remained delinquent for 9 months while unemployed. I became employed again on -/-/- and finally, HUD secured the delinquent debt with a 2nd Lien and my payments remained $1700.00. I continue to struggle because this job paid $13000.00 less per year than the job used to qualify for my home. This job lasted 2 years with no raise and therefore I had to find more income and therefore commuted to take a pay increase of $8000.00 annually to $58000.00 starting -/-/- to pay my mortgage. Again, I needed FMLA and was denied. My - daughter and college student became critically ill and was unable to care for herself. I became her care-giver on -/-/-. U.S. Department of Labor later deemed that this was a


The Housing Crisis was happening obviously during the buying process and my house fell below its Principal Balance by more than $100000.00 by Year -. I submitted - MHA Modification Requests to - - - over a 2-year period from - to -. While engaged in Modification mitigation with - - -, they sold the loan to PennyMac Loan Servicing effective - -, - without providing a Decision on my MHA packet. PennyMac requested that I resubmit a new MHA packet to them to start the process again. Now, this is my - MHA application ; nevertheless, I provided all requested information and documents. While engaged in MHA mitigation, PennyMac filed Foreclosure on my home with a Sale Date of -/-/-. I, in turn, file Chapter - on -/-/-. My Bankruptcy payments were $450.00 per month as I continued to pay my $1400.00 Mortgage ( ARM ) and approximately $1800.00 more expenses monthly. After being in Bankruptcy for nearly 1 1/2 years, the case was dismissed on -/-/- for payment default. I 've been communicating with my Bankruptcy attorney and PennyMac for over 6 months now about the hardship to pay $1800.00 ( - + - ) to my mortgage for much longer and needed relief. I also disclosed my most recent illnesses and what stress has caused. Now I have an -, among other conditions. I 've called PennyMac over - times since -/-/- to speak with - -, the assigned representative ; however, she would not return my call. I have a voice message recorded on -/-/- that she tried to reach me but nothing beyond that. I 've also left a message for her supervisor ; however, never received a call from her either. I 've been getting the run around since -/-/- to provide them more documents and explanations of hardship surrounding the date of -/-/- ; however, I 've been making my mortgage payment every month since -/-/- through - when I learn of the dismissal. It is obvious that they have not applied my monthly mortgage payments according to the Chapter - Plan. On this day, -/-/-, I have yet to speak with my assigned - Representative after numerous requests. Furthermore, on this date, -/-/-, my account states that the MHA application is still " Under Review '' and have not made it to the next step which is the " Decision '' ; however, I received notice from their attorney certified yesterday, " Notice of Acquisition '' and HUD 's Request for Temporary Stay once the home is acquired. 2. Modify my Home. 3. Will provide. 4. PennyMac Loan Servicing