made a claim on homeowners for roof damage, the lender who bought the charge off is giving us a very hard time, which delays the roof repair ( more damage is happening due to rain) we were given no notice or warning of the sale to another lender, even though the original 2nd mortgage lender charged off the 2nd mortgage before the sale to the next lender, also confusing the buyer about their position on the mortgage ( they think they own 1st & 2nd). checked the register of deed & no listing of the "zombie lender" being recorded on the deed. what can we do ..we need the claims check signed off by all parties to get the roof replaced.
You need to have a licensed attorney review the loan documents for both loans, the deed of trust for both loans, and any correspondence from the debt buyer and the servicer of your first mortgage.
They may not have had to give you notice of the sale, but if they are misrepresenting the facts you may have claims against them.
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