Specialized Loan Servicing LLC Mortgage Complaint

Specialized Loan Servicing LLC Mortgage department,

Other mortgage Loan servicing, payments, escrow account Nevada

I have sent payments on my loan modification with SLS loan # -. I have gotten behind a month several times but I have always caught up right away. Several times they have taken a payment made in a timely fashion and credited it to principal reduction instead on to the payment. I have had some success in getting them to fix the problem but with the - - payment due on -/-/- they received -/-/- they credited to principal and said they would properly credit it but did not do that. I made the - - and - - on - - and once again asked them to properly apply the - payment and they still did not do that. Then on -/-/- I called to make the -/-/- payment and found out that they had not fixed the - - payment and I reviewed it with them again and asked for it to be properly credited. They once again said they would correct the problem and took the - - payment. When I called to make the -/-/- payment they would not take it stating that my account was in default and sent me a notice of default.


my interest is 5.25 % when my note clearly says the payment is 4 %. I make the payments by phone because every time I send - it gets credited to principal and not to the payments and I do not understand why. I have the names and most of the dates I talked to everyone if needed. I faxes them a " qualified written dispute '' regarding the payments, which is what I was told to do, on -/-/- which they say they did not receive, so I sent it again on -/-/- which they also said they did not receive, so I sent it again on -/-/- by certified mail. I finally got a letter stating they received the fax on -/-/-. Then when I found out they had the interest rate wrong I send another " qualified written dispute '' on -/-/-. They say they have not received that one either when I called on -/-/- or today on -/-/-. I need to make the -/-/- payment and they will not take it. I have transaction receipts for the faxes, a return receipt for the mail and names and dates for most of the calls I have made to them. Please help me.