Selene Finance Mortgage Complaint

Selene Finance Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Virginia

On - -, -, I suffered a loss of personal property due to fire. This personal property was covered under my homeowners insurance policy with - - Virginia - - -. When I contacted the insurance company I was informed that my policy had canceled back in - of - due to " Non payment of premiums '' On - -, -, I contacted Selene Finance my mortgage servicer who maintains the escrow account for my homeowners insurance. From the on set, Selene Finance maintained they paid the policy and had confirmation of policy being active as of - -, - - - -, -. Yet Selene Finance has been negligent in providing written prove of the same, as well as not pursuing valid confirmation of the policies statues in a timely manner. Being VPI outlined in a letter of - -, -, ( attached ) payments received for my policy in the amount of $860.00 and $250.00, when the total premiums due was $1400.00. Even with a copy of the cancellation notice, which sites both the premium due of $1400.00 and the reason for cancellation being " Non Payment of premiums '' Selene has refused to assume fault and


- - -, failed to maintain the policy and mis managed my escrow account, and continues to show " Bad Faith '' in honoring its duties to myself regarding servicing my mortgage loan. I have repeatedly asked Selene Finance, in written request and verbally in our phone conversation, for documentation of their claims, that premiums where paid and proof of an active policy for the period stated. Selene Finance personnel and it 's insurance department personnel have not, to date provided me proof in writing of their claims of payment of all premiums or valid policy for the period stated. Selene Finance and it 's insurance department - - - continue to conduct themselves in an untrustworthy manner by avoiding my calls, not return my calls or honoring my written request for the same. When a Selene Finance or - - - personnel is reached by phone, they claim they need time to research and will get back to me but do not, or pass me to someone else who could not be reached or would not return calls, and as far as researching the issue, I been run around since - -, - and the only letter I received from Selene Finance on - -, -, was filled inaccurate statements and information amounting to the same answers from previous phone conversations with Selene Finance. Which maintain they had paid the premiums and policy was in effect. Which is false and inaccurate, Selene Finance has never produced payments totaling $1400.00 nor has Selene Finance produced a document stating insurance was enforced from - -, - - - -, -. Yet Selene Finance continues to act in a fraudulent manner in refuse to pay my claim of $14000.00 without any reasonable or proven cause not to pay my claim.