PHH Mortgage Mortgage Complaint

PHH Mortgage Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account California

Our mortgage was with a company named -. After filing bankruptcy discharged in - - we applied for mortgage modification in - -. After 9 months of supplying information we were approved for the modification. Our - trial payment was due -. We sent our first trial payment to -. They received the payment before the due date as the record shows and cashed our check. Unknown to us, the mortgage was transferred the same day of the due date of the first trial payment - - - -. We were not notified of the trabnsfer until later in -. We sent the next trial payment due - -. to PHH Mortgage they received the payment on time and cashed the check as the record shows. Our third trial payment was due - -. I called PHH on - -. and with the assistance of - - I made the third and trial payment with an ACH check which I will attach showing PHH received it on - - - - and the funds were transferred to their bank account on that date. After much confusing and misinformation by PHH we received the attached letter dated - -, - saying


the insurance and taxes are included in our payments as the record shows. This letter states in paragraph -, - failed to inform PHH of the loan modification. They also failed to notify us of the mortgage transfer in a timely manner. Also in the attached letter dated - -, -, she states the record shows we appied for mortgage assistance with PHH on the loan. This is false as we had already been approved. I was asked if I wanted to apply on this loan and I said no as we were already approved. Their is nothing in the record showing we applied for mortgage assistance on loan # -. The statement in paragraph - is false in saying we applied.The " package was incomplete '' because their was n't -. We just want to get on with our lives as this has been going on now for over a year. They need to do what they say they are going to do. Please see attached trial agreement with - showing the - trial payments are due on the first of the month starting - -. -. The letter from - -, - from - - stating they are honoring the terms of the modification. The ach check to PHH drawn from our bank and into theirs - - st. the due date complying with the terms of the agreement. - - told me to send the same amount of the trial payment for our regular payment - -. which we did and it was returned to us. They have said they will accept no more payments. I will also attach the original trial payment agreement with - showing the payments were due on the - - of each month not the -. as stated by - - with PHH.