Select Portfolio Servicing Complaint

Select Portfolio Servicing, Inc Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Pennsylvania

Dear Sir/Madam Our FHA loan originated on - -, - with - - and was immediately reassigned to - - on -/-/- ( please see attachment # - ). At settlement we provided an upfront premium payment of $2100.00 ( Please see Document # - Line - plus another $110.00 of mortgage insurance was paid by the seller at settlement ( Line # - ). Additionally, we paid $61.00 monthly until the loan was reassigned to - - and placed in a - - - - in -. Later after applying for multiple modifications, we were informed that our loan was conventional. We submitted several qualified written statements to - -, - - and again to the current servicer SPS without adequate response. In the qualified written statement we requested a complete history of the loan from origination because we disputed the amount and the type of Mortgage. After being given the run around, we secured the services of a Housing Counselor who also submitted a qualified written statement of complete loan history, loan type and applied for several modifications which were all denied. Again, we were told that the loan was conventional but no one could produce the note

with your organization. In SPS 's response to our complaint, they, again, instructed us that the loan was conventional ( Please see attached response ) and that we did not qualify for a modification. Once the actual papers for the foreclosure complaint were filed, the true and certified copy of the complaint, filed by SPS 's counsel, indicated that the loan was an FHA Mortgage - Please see attached document ). Once this occurred, we secured counsel to assist us in uncovering the layers of deceit and impropriety associated with our loan. We are now requesting a complete investigation into our loan history as the current documents indicate that they were not only changed but our loan was changed without our knowledge or consent. In addition, we are requesting the note indicating that we consented to change our loan from FHA to conventional. We are requesting a complete investigation into the monies paid to the servicer - and - as well as the amount from loan origination that was set aside for PMI. In addition, we are requesting an investigation into the whereabouts of monies paid on PMI from Loan origination to approximately - - when loan was reassigned to - -. Since we have never received any correspondence in regards to this we are requesting all documentation that was sent to us in regards to a change in loan type as indicated in the current response from SPS ( Please see attached response ). We are requesting an investigation into monies paid - Mortgage from - - to - -. We are requesting an investigation into the denial of approximately - Modifications over the course of the loan to include - modification request to the current servicer. We are citing a host of violations of fair housing practices, servicer, sub-servicer violations, unfair and deceptive practices, Improper conduct of lending and brokering and a multitude of other violations. Please assist us in obtaining the proper documentation and discovery.