Loan Care Mortgage Complaint

Loan Care Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Ohio

Hello, my issue is with - companies that are under - umbrella, Loancare a Division of -, and -. I submitted a complaint to The - but it was later suggested that I submit - to Loancare as well. My problem started in -/-/- when I missed a payment. I paid in -/-/- and then I quit paying all together in -/-/-. I do n't have the exact dates of everything with me, but I submitted it all to the -. I quit paying not because I did n't have the money, but because my - and I was unable to make clear decisions on my own. In -/-/- all of the past due balance was in my bank account, and I received a letter stating that I needed to call and make arrangements to pay the balance or my loan would go into foreclosure. I called within a week of receiving that letter and they told me that it had already gone into pre-foreclosure and that I had to wait for someone to contact me. We were then instructed that we should resume the payments as normal, but we had to physically send a check into the office, and


and from -/-/- until we sold the house -/-/- there was never a payment missed. Loancare and - are also both reporting at the same time during overlapping months which makes it look like I had two mortgage 's at the time. I also want to say that we went to buy a house through the VA in -/-/-, and they were only reporting late payments through -/-/-, so we were told to wait until -/-/- so we had a year reported with no missed payments, and when we went back in -/-/- they were then reporting the foreclosure. This only happened when I sent in my bank account history to show that I was making payments on time from the -/-/- through the end of the loan. Either way what they are reporting as a Foreclosure was A loan modification and it should not be reported as foreclosure because no paperwork was filed with the court.