FCI Lender Services Inc. Mortgage Complaint

FCI Lender Services Inc. Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure New Jersey

We have been trying to negotiate with the holder of our mortgage loan FCI Lender Services in -- but are being stonewalled and given false information while they work to auction off our home we have owned for 50 years. FCI has claimed that since they are a private company that they are not bound by any federal or regulatory guidelines that govern mortgages. Based on earlier complaints we had registered with FCI, they agreed to open a review and issued a denial letter on - -, 2017 ( uploaded ). In the denial they state that they will not use my wife 's income because " unable to count the self employed income due to lack of 2 year history to support the income ). I thought evaluations were based on the current financial information from the last 90 days?? This income is listed on the tax returns, I find it hard to believe that FCI can just discount it and make up a rule that this income does not count because it comes from self employment and they do n't see a two year history???


inventing guidelines as they go they failed to offer us the option for mediation in the state of -, which is required by law. Additionally, FCI has been piling on junk fees for all kinds of things ( inspections, questionable and extremely high late fees ) and also greatly inflated the delinquency due for past taxes and insurance. They claimed that I was so far in debt to them that they could not work with me. I told them that they were required to work with me because the government has programs in place to help struggling borrowers. They told me that they do not have to follow the government regulations because they did not take bailout money and because they are not regulated by the government.