Specialized Loan Servicing LLC Mortgage Complaint

Specialized Loan Servicing LLC Mortgage department,

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

Due to hardship and business loss due to a criminal partner - indicted and later charges dropped due to the defendant 's high level friends, and the loan officer who was the son of then state Senator - and my nearly $2.00 - loss in assets, and indebted to guarantee on the loans of $1.00 -, I was unable to pay off the total HELOC - I applied for mortgage assistance with Specialized Loan Servicing and they proceeded only to collect documents and over a prolonged and inefficient ( and intentional ) 4 plus months, I sought another refinance source. The note was due - -, -, and after roughly 2 and half months to that point, I sought alternative mortgage source. I received advisement from - and - - mortgage officer, and was at threshold of a successful refinance, having negotiated and resolved - judgements from the North Carolina business within 40 days, and yet during this actual and productive effort, Specialized Loan Servicing had, after - plus months of " collection and review '' declared me as DECLINED and delinquent - even WHILE I was at the threshold of a successful refinance with - - with the very


counsel and " hardship mortgage assistance '' per their false presentation. Also, at no point was any correspondence over email as they do not want ANY exchange in writing that can be reflected on as SLS inducements - while on - separate incidents I was encouraged " If you pay a little in principal, you will probably get the modification because your loan is only interest only '' ; and another occasion, " You will probably qualify for - of - solutions, modification, restructure or ( do n't recall the - ) '' .... so encouraging a needy and nervous citizen to stay with their cumbersome and abusive process. I am income producer, the home has - - appraisal per mortgage notes, I have NEVER MISSED ANY PAYMENTS OF ANY KIND, and I offered a reduction of principal if it would help. I was qualified for a refinance after - - advised a resolution of the NC business judgements, which I resolved within 40 days. I had efficiently with REAL assistance, resolved these matters and was at the brink of successful refi and ready to cure the outstanding HELOC - and SLS through their intentional and burdensome process, and absolute failure at assistance, declared me delinquent and left me unable to refi and cure this matter. I have since sought the help from - sponsored - - - - in a 3rd party effort at a loan restructure. This effort has just begun as - - has initiated the effort as of Tuesday - -. SLS had already declined a first appeal. I am clearly NOT a risk as I have overcome great business hardship, I have personalcash assets to assist in any efforts I must perform, I and wife have a two year averaged $9.00 plus - per month income .... We have NEVER MISSED A PAYMENT OF ANY KIND. SLS did not assist us as they sought only to have me grovel through a futile document collection to only hang me out past my maturity date, then decline me. It is worthwhile noting too that SLS prompted all of this " delinquency '' effort in - - with a " assistance application package '' mailed me and a phone call declaring ( falsely ) that I had missed a payment and was delinquent. It was not true. So they initiated under false pretenses a " delinquency condition '' that did not then exist. But EVERY effort sice has been simply designed to carry me over maturity date and a delinquency that they could then act on - using folds of regulatory process. CFPB must STOP this sort of operation.