FCI Lender Services Complaint

FCI Lender Services Inc. Mortgage department,

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

- - - - - - - - -, FL - On - -, - my mailman knocked on my door and when I opened the door he gave me a piece of mail that was intended for my next door neighbor at - - - -. The mailman knew me personally and even though the address on the correspondence had the wrong address, it had my name on it. My address is - - - -. When I opened the letter it was an " Intent to Foreclose '' from the Law Office of - - -, -. on behalf of a - - - -. Had the mailman not delivered this piece of mail to me I would never had known 1 ) that this mortgage was being held by another company other than - - 2 ) that my house was in foreclosure and I could have actually lost my house without even being aware of this.

and we were told that the - lien had been extinguished. We have been making payments on the - mortgage to - - Bank since - - on a regular basis. Since we did not receive any correspondence in regards to the - lien, we were shocked when we received this letter. Upon further research we learned that this - lien had been sold several times over the five year period ( see attached ) and we were not notified at any time of any of these transfers which is in direct violation of 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow account - specifically Notice by transferee of loan servicing at time of transfer ( 1 ) Notice requirement Each transferee servicer to whom the servicing of any federally related mortgage loan is assigned, sold, or transferred shall notify the borrower of any such assignment, sale, or transfer. Because of the failure to comply with the provisions of this law we would therefore request that you investigate have each entity that was involved with the transfer of my loan to provide the servicing transfer letters that were sent to me including my signature of any RETURN RECEIPT REQUESTED certified mail that was sent to me. I am attaching copies of the recorded assignments that I was able to find in public records to - - - and - - - - that I was never notified about.