Product: Debt collection

Dear Selene Finance, I am writing to express my immense frustration and vehement disagreement with the recent loan modification proposal you have sent me. The suggested mortgage payment is exorbitantly high, wiping out my Social Security income and preventing me from affording essential XXXX that are XXXX XXXX XXXX XXXX This proposal offers no financial relief and only sets me up for foreclosure. 
I urge you to contact my XXXX to understand the seriousness of my XXXX XXXX. Accepting and signing this loan modification would place me in severe financial trouble, which I simply can not afford. The modification does not address my financial reality and is completely unfeasible. 
Furthermore, I am deeply concerned about the numerous complaints and negative reviews about Selene Finance on your XXXX account. After reading these reviews, I regret choosing Selene as my mortgage service company. Based on my conversation with one of your colleagues, I was advised to continue making payments. I sent a payment in XXXX and have scheduled another for XX/XX/XXXX. Despite this, my account is still shown as two months behind due to your lack of communication and failure to acknowledge my attempts to resolve this issue. 
Your company 's incompetence and failure to communicate have caused significant distress. I demand immediate action to rectify this situation. Stop sending me copies of the loan modification, as it is not a viable solution. Your actions have been disgraceful, and I expect you to acknowledge your mistakes and correct them promptly. 
This letter will be sent to the XXXX XXXX XXXX  and I will not relent until a positive resolution is achieved. Selene Finance has earned its poor reputation, and I demand immediate and comprehensive corrective action. 
I am also writing to express my immense frustration and vehement disagreement with the findings stated in your recent letter. It is with great exasperation that I must address the numerous erroneous claims and the blatant disregard for my situation displayed by Selene Finance. 
First and foremost, there was no letter sent to us on XX/XX/XXXX as you allege. Your claim is entirely unfounded and simply not true. This false assertion only serves to underscore the lack of communication and transparency that has been a hallmark of your handling of our account. 
Regarding the claim that we are three payments behind, I must firmly state that Selene Finance is solely responsible for placing us in this unfortunate situation. Your assertion is completely untrue because there has been no communication between Selene and us. We have not received any letters or correspondence from your office, despite making several calls and sending numerous emails. Your failure to communicate has directly caused these issues. 
I have made several calls and sent numerous emails to Selene, only to be informed that there was no record of our mortgage or account number. Despite this, you continue to make unfounded claims. It is Selene 's lack of communication that has caused us to fall three months behind on payments. This is a clear demonstration of Selene 's failure in handling this matter properly. 
Furthermore, I have already sent a payment of {$1100.00} on XX/XX/XXXX, which you must honor. Refusing to accept any payments after four months is unacceptable and shows Selene 's complete incompetence in managing this matter. Your actions have placed us in a difficult position, and I can not afford the exorbitant payments you are demanding. It appears that your objective is to push us towards foreclosure, which is utterly unjust and inhumane.

Additionally, I am returning the Federal Express package that you have once again sent to us. It is evident that you have utterly disregarded the instructions and concerns I have communicated in previous correspondences. I reiterate that another payment will be made, but let me be perfectly clearI can not afford a payment exceeding {$1600.00}. You are wiping out my social security, and with my serious XXXX XXXX, I am struggling to afford my essential XXXX. I take XXXX, XXXX, and XXXX, which cost over {$1000.00} for a months supply. 
It is evident that Selene never thoroughly reviewed my income statement. All you considered was my mortgage payment, blatantly ignoring all my other expenses. Your calculation based solely on that expense is fundamentally flawed and completely disregards my financial reality. All you are doing is setting us up for foreclosure, and this is utterly unacceptable. 
I urge you to take a moment and review the Selene Finance XXXX account. The customer reviews paint a bleak picture of your operations. Many of your customers are losing their homes, and their reviews are overwhelmingly negative. Take time and read themperhaps then you will understand the severe impact of your actions. The volume of negative feedback is a testament to your company 's incompetence and lack of empathy towards your customers. 
Your actions are nothing short of disgraceful. I demand that you stop sending letters and mailings immediately, as I will return them unopened. Your incompetence is a waste of time and resources, and I expect you to acknowledge your mistakes and rectify this situation promptly. 
This letter will be sent to the XXXX XXXX XXXX and I will not relent until a positive resolution is achieved. Selene Finance has rightfully earned its poor reputation, and it is no wonder why. I regret that XXXX transferred my account to you, as you have proven to be deceitful, untrustworthy, and utterly incompetent in your dealings. As a very dissatisfied customer, I demand immediate action to correct these issues. 
I trust that Selene Finance will take this matter seriously and act with the urgency it warrants. The resolution of this issue is of paramount importance to me, and I expect nothing less than immediate and comprehensive corrective action. Your companys lack of empathy, poor communication, and unprofessionalism have exacerbated an already difficult situation, and this must be rectified without further delay. 
Please provide this letter to your CEO, he/she needs to read this and your complaints. I do not see anyone at your company helping or assisting customers with their problems, your answer to all of this is to set everyone up for foreclosure, withhold payments, not accept payments, no path for anyone to get ahead and help relieve the stress you're causing these poor people. Selene stated in my letters, that they want to avoid foreclosure, it was their last resort. I feel strongly that they are missing several steps and moving to the last resort. 
XXXX