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Letter #1028


From:   Rose Mary Law

Location:   Stockton

I need help with my Servicer. They have committed fraud in that during the modification the Senior VP of Carrington's Home Retention Department admitted to increasing my monthly social security payment, adding in my husbands social security payments (increasing his) and my disability so to give me a larger mortgage payment. This same company foreclosed on my home when I had completed a Special Forbearance. Where I received from a Mr. Dennis Fisher of their Home Retention Department a packet for the HAMP to fill out and send the required documentations, which I did. (This seem to be a trend for banks and servicers/lenders) who say that they papers fell through the cracks, when this is not true. They rescended the sell, modified the loan, and then sued me to evict me. I've paid them as were agreed, inaddition to a Good Faith Payment of $2,811.05. Something they apparently didn't pay toward the principle, and no way to justify getting the money. The recently tried to foreclose again, taking my mortgage payments an applying them to what they referred to as unapplied funds account. The mortgage is still a struggle and they know it. My hardship meets the criteria over and above the Presidents stipulations for qualifying for the HAMP. I need help!