Specialized Loan Servicing LLC Mortgage Complaint

Specialized Loan Servicing LLC Mortgage department,

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

Lender / Servicer : Specialized Loan Service ( " Servicer '' or " SLS '' ) Property Address : By email : - To : Distribution Dear Sir / Madam, 1. Multiple Requests for Mortgage Assistance ( RMAs ) submitted. Specialized Loan Service ( Servicer ) ( " SLS '' ) has erred by not evaluating my ( several ) loss mitigation application ( s ) in accordance with RESPA and CFPA. I have submitted several Requests for Mortgage Assistance ( RMAs ), in -/-/-, -/-/-, -/-/-, and -/-/-. a. Errors. SLS has imposed in each of my RMAs requirements to submit documents : 1 ) not applicable, 2 ) and/or not required for my circumstances ; 3 ) and/or have previously been submitted ; in violation of RESPA and CFPA. ( 1 ) SLS in the above ( 4 ) RMAs continually requests documents relating to my estranged spouse, even though that person : ( a ) Has not occupied or lived in the Property Address since -/-/- ; ( b ) Has not contributed to the mortgage since at


Property Address ( 2 ) I have on multiple occasions provided - the following documents to demonstrate that my estranged spouse is a non-occupying, non-contributing, former borrower, who has no liability on loan number ( a ) -/-/--present rental agreement for a residence other than the Property Address ; ( b ) Discharge order in federal bankruptcy case ( entered -/-/- ) ; ( c ) Credit report ( s ) demonstrating residence at an address not the Property Address ; and ( d ) Court order giving me ( temporary ) exclusive use of the Property Address Despite my claims and supporting documents, SLS in all ( 4 ) of the above RMAs repeatedly and continually asks me for documents about the non-occupying, non-contributing, former borrower, who has no liability on loan number, and to which I have no access, and can not provide. Such repeated requests include documents about income, liabilities, assets, taxes, and unemployment, for the non-occupying, non-contributing, former borrower, who has no liability on loan number. b. Failure to evaluate a complete loss mitigation application. SLS has requested the same documentation several times, to which I have responded each time. In every case, SLS has failed to evaluate me for mortgage assistance because I can not provide requested documentation to which I have no access, which is not applicable, and/or not required, and/or has been submitted previously. c. Failure to provide accurate information. SLS is continually requiring a signature and/or information from a party unnecessarily. SLS continues to require financial information for a non-occupying, non-contributing, former borrower, who has no liability on loan number. d. Dual tracking. SLS has engage in improper dual tracking by filing a motion for relief in bankruptcy case no. ( Bkr. E.D. - Va. ) while complete loss mitigation application ( s ) are pending. Further, SLS has sent multiple Notice of Default and Notice of Intent to Foreclose letters while multiple loss mitigation applications are pending. e. Failure to Respond to -. SLS has failed to acknowledge and failed to respond to my multiple Requests for Information sent on -/-/-, -/-/-, and -/-/-. 2. Conclusion and desired resolution. For the above reasons, SLS is in error and not in compliance with RESPA and CFPA. I desire SLS to remove my estranged spouse from the loan and designate me as the primary and sole borrower, process fully and completely evaluate my application for a loan modification, and respond to my repeated requests for information.