I have a mobile home that we purchased back in '99. We have been trying to sell it for the last couple years with no luck. 6 months ago we had to relocate due to job changes. The home is sitting empty right now in a park and it's currently listed with a real estate company.
Two weeks ago I called my mortgage company and inquired about a voluntary repossession and in no way told them I was turning it in, just simply inquiring. They basically told me that they don't do that and I left it as is.
I am on a sales program with them that's allowing me to make 1/2 payments for 6 months to help me out while it's being sold. I have never missed a payment since buying it.
Earlier last week we received an offer on the house and then I received a call from my real estate company later in the week asking why my mortgage company was calling them and telling them the home was being forclosed on and that they need access to the home. The real estate company gave them the code to the lockbox and the mortgage company changed the lock on the front door and put their own lockbox on it but leaving the real estate company's lockbox on the back door.
I called the mortgage company and spoke with them, and they told me the reason they did it was they didn't want to loose the home to the winter weather if it indeed went into default.
So who's at fault here? I assume both the real estate company for giving them access to the home and also the mortgage company for wrongful entry and repossession of the home..
Do I have any leg to stand on if I was to take this to court?
I have had nothing but problems with this mortgage company from lying to me about the short sale program to outright not wanting to work with me on selling the home..