FCI Lender Services Complaint

FCI Lender Services Inc. Mortgage department,

Other mortgage Loan modification,collection,foreclosure Kentucky

Right as my chapter - was ready to be dismissed, they filed a claim that I had not made a payment in over a year. They asked for Release from Stay and it was granted as my attorney did not file a motion to dismiss their motion. Their attorney stated to the Trustee that the lender would accept payments from us as long as we continued to make them. Of course, now the loan has transferred to a different lender who will not accept payments claiming we are too far behind. I have given proof of all my payments to my attorney who is supposedly working all of this out, but in the meantime, I have sent payment after payment and the mortgage company keeps sending them back. They did accept the first payment I sent to them in - but said it was a mistake. - mortgage companies even sent me address information to send payments to them and when I called and spoke to their customer service dept. in -, they even offered to take payments over the phone. Now, they are stating that they never should have accepted payments or even offered to do so. They are

past due '' balances and due dates '', all of which are bogus. I have written a qualified written request asking for a complete account history beginning with the original creditor and they have not provided it. They did send me a history from the most recent company but only after me requesting it 3 times and it took them over 2 months to give me that. My account has been transferred 7 times since it originated in 2003 and it has been through numerous attorneys. There are too many account discrepancies to list on here, but they are claiming that I am too behind to catch up. Even my attorney told me that he sees this kind of stuff all the time and the mortgage companies strong arm the homeowners to fall behind even further by not accepting payments causing then to eventually be really delinquent. I have all the letter from the attorney and all of the returned checks. I am tired of the games they are playing. I also find it appalling that their attorney would lie to the Court stating in their written Motion that the lender would accept payments from me and then to find out that the lender had no intention to do so. I would personally like to see them fined for deceptive business practices and would love to eventually form a class to file suit against them and seek both civil and punitive damages.