Residential Credit Solutions Mortgage Complaint

Residential Credit Solutions Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure Florida

First, the servicer, RCS, filed a foreclosure action when they had no cause. They claimed I had not made all payments on time, but at trial, I was able to show this was not true. Second, they then claimed that I had not provided all loan modification documents in a timely way. This was a last minute claim, and the plaintiff produced documents at trial that they had not provided during discovery. Their own records, which they hid from me until rebuttal, show that I had not only provided all documents, but that they had used fabricated, outrageous and irrelevant reasons to turn down each of my loan modification requests. They knew this, and mislead the court into believing I had not met the terms of the loan mod. They lied in court. Third, during the actual loan modification process, they ignored modification requests they received as late as -/-/-. Finally, their own records show that ( a ) I was current when I asked for a loan modification, ( b ) they dragged their feet on the loan modification for two years, until the arrearages totaled approximatly the Net Present Value of foreclosing on the property. I contend that they never had an intention of entertaining a loan modification. They offered the loan modification only to put me in a position where ( they thought ) I would have no choice but to vacate the property and let them sell it out from under me. Now, when they filed with the court for a sale date, I answered with a motion to review the case showing the plaintiff had lied in court ( please see attached documents ). The Plaintiff 's reply was to sell the loan to another servicer and walk away.