Servis One, Inc. Mortgage Complaint

Servis One, Inc. Mortgage department,

Home equity loan or line of credit Loan modification,collection,foreclosure Texas

My name is - -. I own a home at - - - - - - Texas this house was bequeathed to me by my grandmother our family has owned it for - generations. 5 years ago my Husband, who is serving a - in the texas prison system, filled out an application using my name and my credit and my home and received a - line of credit under the rules of a home equity loan from - - -. He closed on this loan without advising me anywhere along the way. I never signed the application, the approval, the closing documents, I never received the cash nor did I attend the closing. They were all forged. I was not aware of this until the loan was transferred from - - - to - mortgage servicing llc. When he did not make payments on the loan., I attempted to explain this to - . They took a application for a loan modification and said they would look into it. 60 days ago, after stalling for 2 years, they sold the loan to BSI Financial Services - - -, - - - Texas -. BSI stated they would never give


he stated that they turned me down for a modification. When I asked for an appeal process he ignored it. I was not allowed to go through the process of appeal per the 30 day rule. I sent a new package int - - and while it was in process he stated that they were going to foreclose regardless, but they would look at the paperwork. Today I received a letter that even though they were in violation of the dual tracking rules. I told the case manager, - -, about the violation and they said they did not have to follow it, I mentioned that I never got a judge 's order recorded to allow the home to be foreclosed on and he stated that BSI stripped the mortgage and and did not need any permission to foreclose. this violated the Texas rules of civil procedure, the Home equity lending rules and the CFPB law about dual tracking. he would not even discuss the forgery. this complaint conerns the original application and forgery the settlement process of this loan without me signing or being present, the modification process and the foreclosure process.