Fay Servicing, LLC Mortgage Complaint

Fay Servicing, LLC Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Georgia

Fay Servicing has taken over one year to get our mortgage dealt with that they acquired -/-/-. This has destroyed our credit file, they are unwilling to show current status -/-/-, or give me a quick refi due to the over 9 % ( - ) we are at now. It takes weeks to get an answer, and seems this is a top down mentality to ignore clients. I deal with delays due to communication for weeks, up to a month - that is with me emailing weekly doing follow up. All requested paperwork from Fay was sent in -/-/-, at once. Then we are told they did not receive parts. We find that strange because it was all sent in as one package, to say you got some parts, but not all is suspect - which meant more delays. Many times I asked for a stays update, always saying not the right paperwork ( company canned answer ). I can prove my paperwork was sent in, however they choose not to act, instead ignore the facts. Finally after 4/5 months -/-/- they put me on a Forbearance Agreement that lasted two months, then a Trial Modification Agreement that lasted four months, then finally after a year ( - 5 months wasted ) my loan was modified to be current only - no mention of a better rate. In the meantime our credit file has felt these timely delays on the part of Fay Servicing only to result in a declined score. One would think that this is done by design to trap people in high rates and bleed them as long as possible, due to the unwillingness to work with their client. A simple - search told me a lot.