Select Portfolio Servicing, Inc Mortgage Complaint

Select Portfolio Servicing, Inc Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Texas

My mortgage was bought out by Select Portfolio Servicing & for a while everything was fine. I lost my job and was able to get a modification with SPS. When I had storm damage which my homeowners insurance did n't cover as it was just below the 1 % deductible so I used my mortgage payment to fix some of the damages to the roof with my mortgage payment and I also I fell and broke elbow so I had medical expenses as well which I got behind on my mortgage payments. I called SPS and was told to apply for mortgage assistance as I just wanted to pay back my arrears in a payment plan so I was approved for to pay back at $840.00 a month for a year. I was doing really well when -/-/-, my air conditioner started leaking water into the unit and would n't drain. I called my homeowners insurance and it was n't covered since it was the coil and I would be responsible to repair it. I had barely got these news and I informed SPS about the situation explaining I could pay them a double payment -/-/- when I received my


reason why other than they would not fix my roof so I once again had to fix some of the roof so that I would n't have more damage to my home. I called SPS letting them know what happened and would send payment but it would be delayed as I had to make more repairs to the roof and they seemed understanding. I received a letter from SPS that my house was going into foreclosure. I immediately called them back and told them what happened. I asked ca n't I just send my mortgage payment and I will send more once I get my student loan? They would not accept my mortgage payment and would return it back to me. They informed me to apply for a modification. I told them I was happy with my mortgage payment but could n't they just apply the arrears to the end of my loan or let me restart my repayment plan? So I sent in the documents needed for modification, pay stubs, hardship letter, mortgage assistance, tax returns, budget, etc., only to be denied. They wanted $5500.00 in order to get caught up and this amount included attorneys fees for putting my house in foreclosure! I told them I did n't have that kind of money but I could borrow from my student loan and give them half one semester and the other half the semester and they said No, they wanted the whole amount. I got with - a non-profit that assists homeowners with their mortgage and they helped me in -/-/- when I lost my job of 20 years and got my home modified with - - - ( prior - - ) but I digress, they told me to fill out modification forms and they would submit to SPS. All of this was done and no response from SPS. SPS told me that - needs to contact their relationship manager - - and - told me they are supposed to contact them so I ca n't get them to communicate with each other. Once again, it was denied. When I spoke with SPS in -, - and asked why they denied the modification, they said it was due to income. How can that be when you approved a repayment plan at a higher amount of my mortgage on the same income submitted? They wanted me to work another job to get more income but I am going to school at night part-time to get a higher paying job. I asked them as I am borrowing student loan to also supplement my income as I ca n't work a second job while attending school could I put that down as income. He said yes and told me to reapply so I did as they asked, resent more documents again and it seems like I 'm getting the runaround. Yesterday that they denied my modification. - provided a workable solution but they still said No! I do n't know what to do?