Seterus Mortgage Complaint

Seterus Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Florida

On - -, 2015, -, a representative from Seterus in the - office, my mortgage servicer, called me and told me by phone that my current interest rate of 2.5 % was being locked in for the life of the loan. This is what I had been asking for since I informed Seterus that I would not be able to make the payments due to excessive medical expenses for myself and my wife. Myself and my wife are senior citizens on a fixed income and I had been calling and sending letters consistently for the past six plus months trying to make a payment arrangement with Seterus. After speaking with - and knowing that Seterus does not often send written confirmation, I myself sent a letter to - - ( the loss mitigation representative I had previously been communicating with ) in the - - office to document our conversation, to thank her, and confirming the payment amount. About one week later, I received another call from - ( did not identify themself ) confirming the payment arrangement. I was then told that written confirmation would come with my -/-/- payment coupon. This was incorrect in as much as the -/-/- coupon showed the increase in interest rate. In speaking with - -, one of the supervisors at the - office, he claims that I did not complete my paperwork and that everything was put on hold. I did not complete the paperwork because I was told I was approved and l locked in for the interest rate. I was not informed that I had to turn in any additional paperwork when I was verbally informed of the locked in interest rate of 2.5 %. - told me that because I did not submit the paperwork that the fixed interest rate was canceled. He told me to turn in the financial documents and send them to - office which I am doing.