Shellpoint Partners, LLC Mortgage Complaint

Shellpoint Partners, LLC Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Ohio

During the financial crisis in - I filed a chapter - bankruptcy. - -, - - agreed to a reaffirmation to lower the mortgage payment and amount. This was signed and confirmed by the bankruptcy court and entered of record. I began paying - as per the agreement. I received monthly statements showing the wrong amount due. I paid the modified payment to - and notified them of the error in writing " OWR '' by fax to there bankruptcy department -. - after I made the new payment started listing on the monthly bill a rolled over amount from the previous monthly statement. I contacted - again with a letter OWR with no results. - my bankruptcy was closed and my confirmed payment plan started. - proceeded with sending monthly statements for the wrong amounts until the servicing rights were transferred. On - -, - I received from - a letter of loan transfer. This notice listed the original loan payment due and the original loam amount of the mortgage also now with a escrow account showing a negative balance. I contacted - about the discrepancies and the loan amount. - records showed I was still in an active


explain what was going on. The monthly bill statements that I started receiving from - were now listing a larger monthly payment due on the loan and the original loan amount not the reaffirmed amount as the principle balance of the loan. The statements were also now including a deferred P & I balance owed that was the exact amount of the write off in the bankruptcy reaffirmation agreement. I decided to stop payments to force them into a review of the loan but never got a response. I received in the mail on - -, - a notice that I was denied a loan modification that I never applied for. On - -, - I received a notice that - had purchased an insurance policy for this property. I had insurance on the property with the same company now for six years straight sent over a copy of the policy and have got no confirmation receipt. - - I received a letter from a law firm that was contracted to foreclosure on my property for - and now they have initiated a suit. Note if my property was still under a chapter - bankruptcy like I was being informed by greentree the law firm would of had to ask the bankruptcy court for a relief of stay. I have never been informed of a relief by the courts. I contacted my lawyer and filed an answer to the alleged complaint. This law suit was started by - and then servicing rights was transferred over to -. On - -, - I received a letter from - informing me that - had purchased my mortgage on - -, - - was the old investor. The lawyer for green tree did not stop the foreclosure motion even with the mortgage being sold to a new investor in - -. The lawyer continued in - and - filing documents to execute the sale of my property for their client -. - the loan servicer was no longer servicing the mortgage at this time. In - - I was contacted by Shellpoint mortgage the new loan service company for the new investor -. Shellpoint 's files showed me still in a active bankruptcy and they have no record of this foreclosure in the file as of - -, -. I believe that my loan was sold though the NPL sales in - - " NPL '' meaning non- performing loan sales are regulated so that the investor of these loans must follow procedures for Modification requirements and loss mitigation waterfall requirements are to be implemented with such as a short sale, deed in lieu by CFPB.