Fay Servicing, LLC Mortgage Complaint

Fay Servicing, LLC Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Indiana

Starting as of -/-/15 we tried to make a payment online with Fay Servicing and was unable to do so. We called our account manager - - and asked why we could not. She told us that at that time they took off our link to make payments and we were in pre-foreclosure & would no longer take our partial payments. She explained I could fill out some paperwork to try and defer a payment. So, I filled out everything & sent her my paystubs like she requested. After I sent everything in I was told I did not make enough money and they declined the deferral payment. - then stated that she wanted my wife to fill out this paperwork to see if her income ( Even though she is not on the loan ) would try & help to defer a payment. My wife sent in everything that - had asked her to sent in on -/-/15 and we tried to make a payment again, but we were declined. These attempts would have placed us out of a pre-foreclosure status. - then told my wife let 's try all of last years income and see if that works.


received multiple letters with the amount to settle up changing and the last letter stating that we had until -/-/15 to pay $6200.00. Now on - -, we had told - - we would be making a payment to create a full payment and that in - we would pay - consecutive $500.00 payments on every Friday to help catch up. This was intended to be -/-/15 - $370.00, -/-/15 - $370.00 -/-/15 $500.00 which added to suspended monies is $2000.00. Now add $2000.00 for - and we have made - payments and would be catching up more and take us out of pre-foreclosure, but - did n't want any part of that. Finally on -/-/15 my wife tried to make another attempt at payment because that is what the - counselor - - told us to do. My wife ended up speaking to - who is a Manager ''. He listened to the whole situation and was ready to take her payment, but then told her I cant make a final decision '' you need to speak with - - - who is the supervisor ), so they transferred her. She wanted to make a payment of $560.00 which makes a full payment with suspended monies of $820.00, but he insisted that she could only make a payment of $4100.00 to bring our account current. Pleas note how much time has went by and we could have been on our way to catching up. She told him that our case counselor stated that it is a LAW in Indiana for them to take our payment and that they could not keep the monies in a suspended account like they were doing. He insisted that - - at - '' obviously does not know the law and for her to prove it or show him. Since she was not able to make a payment or bring the account current he told her ; he did not care that you are trying to make partial payments or if your house goes foreclosure. At this time my wife heard - in the background talking about her to - and - saying That is why I did not want to get on the phone because - I would have yelled at her ''. At this time my wife was so - and - that she simply told - Have a good day & we are done talking and hung up on him. We have contacted - - of GET HOPE '' and told her everything they have done and said about all of us and I signed a third party consent form for her to see what and how they are going to act towards her.