We fell behind on our mortgage payments towards the end of 2014 due to a culmination of several factors...1) My income dropped dramatically, because of reduced hours on my previous job, 2) Health & medical issues I was experiencing at the time, 3) Involved in a serious car accident. that kept me out of work for several months... I applied for assistance through what I thought was HUD...A few days later a gentleman named Kevin Carter at [email protected], contacted me stating that he was with HUD and was here to help us in acquiring a loan modification at no charge...We sent in all of the necessary paperwork he requested (i.e.,bank statements, pay stubs, tax transcripts, etc.,) and after two or three weeks, he informed us that the lender had agreed to a trial probationary payment in the amount of $1417.32 a month for three months....The payments were to begin in May of 2015 and continue for three months after which , the mortgage amount would be permanent for 30 years. We saw the correspondence between this gentleman and the Lender and assumed that this was legitimate....We(my wife and I) sent in $1418.00 each month, but after the third month we received a loan modification offer from our lender totaling $1955.00 a month...This should have sent up a red flag for me, but I talked with Mr. Carter asking him what was going on, and he informed me that because our home was under a VA loan, it would take a bit more effort to get the mortgage to an affordable level...He advised us to reject the offer, send in more pay stubs and bank statements and he would reapply for another loan modification... In the mean time, he advised me to continue to send the $1418.00 a month to the following address HUD Making Homes Affordable, One Park Plaza , Suite 600- office # 241, Irvine California, Zip Code 92614....I asked Mr. Carter why I should continue sending money ,since it appeared that the lender wasn't honoring the "trial period" Mr. Carter had originally said we were under...On one occasion , Mr. Carter told me that the money was being placed in a non interest bearing account and it would be paid to the lender once this matter was settled and we were approved for another program(HAMP, HARP, etc.,); When I asked him again on another occasion, he told me that he was sending the lender the money we sent him to pay taxes and escrow. All totaled, we sent Mr. Carter's HUD-Making Homes Affordable $5,672.00. A short time later, we received another loan modification offer from our lender for $1932.00 a month...I contacted Mr. Carter and he basically told me that because this is a VA loan, this is probably the best offer we will be able to get....I also forgot to mention that I am currently in an active bankruptcy status and Mr. Crater has insisted that I do not contact my lender...I contacted my lender anyway who explained my options to me clearly and she suggested that I speak with my bankruptcy lawyer as well before signing this latest modification offer....I asked her to check their records to see if they have received any funds from Mr. Carter's company and after carefully checking her records twice, she told me that they had not received any money since December of 2014. I made multiple attempts to contact Mr. Carter by phone and he finally sent me an email later in the evening. Mr. Carter quickly side stepped the issue(of where our $5,672.00 was) and told me that I should not contact my lender since I was in an active bankruptcy, but we could call the lender together on 09/14/15..I sent Mr. Carter an email and left him several messages informing him that either we need him to send our money to our lender or return it to us..I looked this guy up on line later and discovered that there have been other complaints lodged against him for the same unscrupulous behavior. He tells people that they are entering into a trial period, then collects their money for 3-5 months, not sending a dime to the mortgage company.Show more...
we need him to send the money to the mortgage company or return it to us so we can do it.
Company names reported: HUD - Making Home Affordable