Plaza Home Mortgage Mortgage Complaint

Plaza Home Mortgage Mortgage department,

VA mortgage Loan modification,collection,foreclosure California

Dear Sir, Madame, My Lender/ Servicer denied my request for help in any form of Loss Mitigation due to financial hardship caused by unemployment on two different occasions, the first one was last - -, - when my application to KEEP YOUR HOME CALIFORNIA was denied because my servicer, PLAZA HOME MORTGAGE has not approved my loan for participation in KYHC Program. The second denial was - -, - due to reduced income and not able to pay 12 monthly since - -, -. I missed payments because I have to pay the REAL ESTATE LAW CENTER which I hired last - -, to negotiates better than I did for more than 5 months. Unfortunately, I listened from their advice to stop communicating with my servicer and stop paying my mortgage since they are doing the negotiations and I can not afford to pay the Law Firm and my mortgage at the same time. On - -, - around - I received a call from Loss Mitigation Department, the representative ( named - ) asked me why I did not submit or communicate with them. I told them that I have a lawyer that should be communicating and submitting all


payment after I paid them already of $4000.00 without positive outcome and also I have to pay filling fee for the case that we need to file to the court. At this time, My complaints are for my servicer for the delaying tactics they implement to my loan that almost ruins my 29 years of marriage life and caused - and for the Law Firm I hired for unacceptable and poor services. Also, I wish to get back my $4000.00 that I pay, in which half of the amount are from the Title of my car that I collateral to get cash quickly with an interest of 108 %. Because I received a letter from Law Firm stating that, they will close my case and not getting any refunds If I did not complete the $4000.00 in spite of letting them know and sent them explanation letter that my 3rd months $1000.00 monthly installments will be late. I have some evidence to support my complaints. I am a Veteran and I was trying to keep our home for more than 8 years, I just want my lender/servicer to give us a try- out period for loan modification and If I failed, I will not appeal and I will agree to the decisions of my lender whether its benefits me or not. Thank you.