Shellpoint Partners, LLC Mortgage Complaint

Shellpoint Partners, LLC Mortgage department,

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

I applied for a loan modification with Shellpoint Mortgage Co. ( my current mortgage company ). I have been trying to get this loan modification settled for the past 1 1/2 yrs. They kept telling me to send various information & I complied each time. The last time I faxed all my documentation ( on or about - -, - ) and when I did n't hear from Shellpoint Mtg Co, I called them ( on or about - -, - ). I talked with - in the loss mitigation department and he said the process is complete. They made their decision. They denied my loan modification because I was upside down. I owed more than my house was worth. The only option I had was to get current ( $67000.00 ), Short Sale or Deed in Lieu. He explained all - processes. I was never notified by mail that my loan modification was denied. First letter stated they were looking into other options for my loan, then I received a 2nd letter ( -/-/- ) stated how much I owe to become current & on the back of the letter it indicated I was denied for the loan modification


due payments. I was with - - - at the time I filed bankruptcy. - -, Chapter - Trustee was making payments to - - -. I also tried a loan modification with that company and did n't get anywhere, then they transferred by loan to another mortgage company, then I was transferred once again to Shellpoint Mortgage Company ( who I am with now - and they denied my loan modification ). They never checked the previous mortgage company to see where I was making my mortgage payments to. Shellpoint indicates that my payment was due on -. How can I live in a home for 4 years WITHOUT making a payment. Today ( -/-/- ) I am requesting an appeal, and provide them with Bankruptcy History Payments to - - - so they can reconsider my loan modification, take off ALL those attorney fees, late fees and other fees they have listed because they ASSUMED I had not made a payment since -.