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Jeff M | Mortgage payments returned? |
I bought an home in 11/06 and sent the payments in monthly, the mortgage company I originally went through sold my mortgage to another company. I sent my payment to the original company and it was returned. I then sent the payment to the new loan holder and it was returned also, with the note no loan found I have since had three payments returned, and neither company has an record of my mortgage. No communication of default or foreclosure has been recieved. There is no record of mortgage on my credit report whatsoever. What course of action should I take? Please help. Thank you. |
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Don E
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Jeff,You should get this resolved before some lender forecloses on you for non payment.You should call the original lien holder and explain what is happening and let them figure it out.Meanwhile keep a record of the attemps to pay so you have proof and can possibly keep from paying all those penalties. |
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meandnadine
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Continue to call each of them until you get it worked out. |
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jcorbino
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Contact the manager of both lending companies IMMEDIATELY, and demand that they investigate the matter for you. Did you pull your credit report from all 3 bureaus?? If not, pull ALL of them -- your mortgage may only be being reported to ONE and not all three. Also, contact your state Attorney General's office and explain the situation to them; they should be willing to help you "motivate" these lenders to fix this snafu for you. Good luck! |
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Irmgard B
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i'm not sure, but i think this site has the answer to this particular question. they've got lots of stuff about this anyway. |
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Rich P
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I would have the house transported to a new location and forget about it..they can't prove its the same house if it's not at the loan address.!! prob. solved. |
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bdancer222
 |
Just to ask a stupid question, did you get a written notice from the original lender that the loan had been sold? And did you get a written notice from the new mortgage company that they had purchased your loan?
You should have gotten notices from both. Keep sending your payment to where those notices indicate. Keep the returned payment in the envelope -- just to cover yourself while you but both companies to get it straightened out. |
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Casey C
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Valspatrick is right on. Do exactly what she says. It gets tricky to involve an attorney, but if this has been going on for a year it's probably worth it.
Before it gets to that, here's some other ideas that you can do in addition to Valspatrick.
1. Go to google and do a search for public records in your county. For example "Broward County Public Records". If you live in a common county like jefferson or franklin, just add the state or city in the search.
2. Once you find site, you're going to want to click on something that says "Official records search" or something like that.
3. Once in there follow the directions and type in your name. It will come up with anything recorded under your name since probably the mid seventies. If you have a common name, narrow the search down to 11/06 thru today. Then go through each document one by one.
4. You're looking for some type of page recorded that shows the transfer of name or mortgage. usually it's just 1 or 2 pages. If it's been transfered once to your knowledge, there should only be one recorded, but look to see if there are more of them. Contact info is usually on the recorded doc. Otherwise you can get enough info to do a google search. |
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mocess
 |
Dear Jef M,
Visit the register of deeds office in the county the property is located
Carry your closing papers deed or mortgage
They can pull up all of the transactions relative to your property. and tell you the current status
good luck
Mocess |
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valstpatrick
 |
In order to 'prove' you have made the returned mortgage payments, open up an escrow account - NON interest baring. PUT ALL the returned checks (the ones mailed back to you) contact all mortgage companies that have 'services' the loan. Send certified mail indicating the loan was sold and you need to know the NEW mortgage company, then send the NEW company a certified letter with a copy of the bank statement showing your monthly payments.
On one hand you are legally obligated to remit payment - do that into the bank account. On the other hand, neither lender is accepting the payments. If the new lender threatens legal action or foreclosure, contact a lawyer immediately and your local consumer advocate.
Hope this helps, and good luck, |
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jyoti
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Call the loan officer whom through you got the loan.
Keep calling the mortgage company
Ask your originally mortgage company |
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beachlover
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i could be the new company has not updated thier system to add you if i where you i would get and attorney and let him help you keep the mortgage payments set aside so you can prove you have them and keep sending the payments in if they return them you will have proof if theis come back to bite you on the butt youll have proof to clear it up. i highly suggest you get an attorney also you can check at the courthouse in the county where the home is located all notes are recorded there. you may find a record there. |
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