Violation of the California Homeowner Bills of Rights : PennyMac violated automatic stay rule while modification in process ( Notice of default XXXX/XXXX/15 ) Notice of Sale ( XXXX/XXXX/15 ) for an auction date of XXXX/XXXX/15. During this time period, my loan was under modification review and I was told that the foreclosure was suspended. After being rejected, I submitted the paperwork for a second review within the 30 day time period. I never received status on the results of the review. I was told by one PennyMac individual it usually takes a " long time '' and then by another individual that I need to " re-submit an entire new modification package ''. 

Not assigned XXXX person throughout process ( talked with XXXX people and received different status and direction from each ) they said they were part of a team however all were unfamiliar with my loan status or able to give me proper direction. 

No access to decision makers ( and their Supervisor ) only through voice mail in which the messages were never returned. Furthermore, I never received status of XXXX-look. representatives from PennyMac were never able to reach the decision makers because they were always in " meetings '', " on the phone '' or " unavailable ''. 

Delay of entering documentation into system : The documentation would be sent through a fax cover sheet provided. They would say that it takes 48 to 72 hours to receive into the system. In the meantime, it is eating away at the 90 day time period because of the delay. I was required to proactively call as all documentation would not move to the next person unless you contacted them. 
Knowledge of California State law : When I received the Notice of Default, they were unable to discuss the time-line with me because they were " not familiar with California Law '' 
