Consumer complaint received 2018-05-01
Company: SHD Legal Group, P.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had already filed a complaint about these attorney 's when they filed for foreclosure last year. Once I filed the complaint, they quickly backtracked on the foreclosure when I alerted them to the fact that the whole reason for the issues was that XXXX   XXXX XXXX, and then XXXX, refused to deal with the fact that I had provided insurance documentation, XXXX just refused to process it even after provided it more than once and notified them another time or two that had provided it. This is all documented with the CFPB. 

Upon communicating with the attorneys, it seemed we were going to be able to resolve the issues, finally, I had been trying to resolve issues with XXXX for probably 7 or more years. I knew they would have issues getting documentation from XXXX and I at least had the impression we could reach a quick settlement so I spent the time, acted in good faith and provided them all the documentation and we discussed what the expectations where ... I actually thought we communicated very well and of course all communications are in writing so I'm sure that can be confirmed. I was never told there were any issues with the expectations and really quite the opposite. I was told a settlement was coming, I was told that for months and then promised by the new year but yet it never came. All that was sent was some kind of statement, no documentation on the calculations, just a XXXX balance backed by no other documentation. 

During this time a lot of harassment continued. Since they filed the foreclosure they destroyed my previously perfect credit but yet I asked repeatedly if they had done anything to restore it and never got a response which of course they did nothing. Basically the whole story is they did nothing except I guess try to cover their butts. Then I got notices that some other company took over servicing, then another notice that another company took over the ownership of the loan. When I questioned the attorneys I stated it seemed odd since we were supposed to be talking about a settlement, that I had cash to cover a settlement which they were told from the beginning so why all these changes to the loan? I think it's pretty obvious while telling me one thing, their actions and intentions were something else. Then they got another attorney involved which I'll file a separate complaint on dealing with her but all she wanted to do was waste more of my time re-writing what I had already presented to these attorneys and really could tell had zero desire to do anything reasonable, to act in good faith all things considered, most likely was just another part of covering the butt 's of really everyone involved. It's just really hard to believe that no one has really been able to say, 'oops, we messed up, here 's how we're going to fix it ' and at least try to be reasonable. 

The bottom line is all of these mortgage issues were supposed to have stopped, banks and the servicer 's and their attorney 's were supposed to cut all of this out. Huge agreements reached and settlements paid but if my account is any indication of things, absolutely nothing changed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation