BMO Harris Mortgage Complaint

BMO Harris Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Arizona

in - - my mother purchased a property in -. In - of - she filed a revocable land trust naming me as beneficiary. in - - my mother applied for and was approved for a 2nd mortgage with Harris bank. I was told that due to the land trust, I would need to sign this 2nd mortgage with my mother. In - -, my mother filed chapter - bankruptcy. I was paying the first mortgage, living at the location taking care of my mother. In - - my mother passed. I continued paying first mortgage. I never received any notices from Harris Bank about any money due them. In - - I relocated to -. My mail was forwarded.in - I attempted to purchase an rv. I was denied as a delinquent mortgage was reported by harris bank. I called them and they refused to talk to me stating my mom had filed bankruptcy and they could not talk to me. when I asked for debt validation, they sent me copy of promissory note I signed in -. I called them and explained that I was unaware of any balance due. I explained that this report to credit stops


bank wrote this loan off in - my mom had continued to pay until she passed. Harris bank states they never sent any notices stating that payments stopped or the loan was delinquent. I do n't have enough personal funds to hire an attorney, or pay the delinquency. Because of the credit report, I cant refinance as my score fell from - to -. I am unable to purchase a home in -. It is my understanding that when a mortgage becomes delinquent, a demand for payment should be made before taking any other action. even if they had started reporting the missed payments on my credit immediately, I would have known and had time to rectify the situation. but they did not report anything on my credit for almost 2 years after payments stopped.