Santander Bank US Consumer Loan Complaint

Santander Bank US Consumer loan department,

Installment loan Problems when you are unable to pay New York

This is a former sovereign bank home equity loan now with Santander Bank. I acquired this HE Loan in -/-/- with an interest rate of 7.49 %. I lost my job in -/-/- but have been trying to maintain payments. My balance is presently $86000.00, I am delinquent from - -, -. I am now employed but at a lower paying job. I send the bank $200.00 a week to maintain the payments of $620.00 a month. I have tried repeatedly to refinance this loan, but the bank will not listen. I do n't want to loose my apartment as I also take care of my ailing father. I have over $2000.00 in late fees which - will not waive. I have never neglected this loan. I am current in my maintenance fees. - has advised me that I do n't qualify for a HARP loan since this is not a mortgage, but its a home equity and I need to know who can help me with this. I am receiving threatening phone calls telling me to get another loan to pay the arrears, which I ca n't based on my credit rating. I am asking the CFPB to help me work with - to keep my home. I also need them to stop threatening me since I am maiking weekly payments. Also if they can reduce or waive these lat charge. I can be reached at - - -, -, NY or -. Thank You. - -. My account number with - is - # -.