Consumer complaint received 2022-12-15
Company: SN SERVICING CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage holder XXXX XXXX XXXX and XXXX XXXX allowed me to go in to a COVID-19 Forbearance XXXX of XXXX for up to 18 months + 6 months. They honored XXXX and XX/XX/XXXX. XXXX XXXX XXXX  then sold my mortgage to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX and SN Financial Corporation Mortgage Servicer XXXX XXXX XXXX. I was never notified of the new mortgage holder changes until XX/XX/XXXX when SN Financial Corporation contacted me by email and letter telling me that my mortgage was in foreclosure. I contacted XXXX XXXX my new account specialist at SN Financial Corporation and told her that I was in a COVID 19 Forbearance agreement with XXXX XXXX and XXXX XXXX XXXX why am I in Foreclosure and who is SN Financial Corporation? She said they bought my mortgage from XXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX and she has no knowledge of the mortgage being in a COVID 19 Forbearance with the previous mortgage holder or servicer. I was given 10 days to make at least 2 full payments to keep my home from being foreclosed on and I scraped the payments up and paid SN Financial Corporation. The Foreclosure was enforced again in XX/XX/XXXX and I mailed SN Financial Corporation 2 full payments certified mail and the payments were returned to me. XX/XX/XXXX XXXX XXXX  from SN Financial Corporation called me and asked if I could pay double payments and a lump sum to catch up. I told her that I just received my second Ky Unemployment benefits payment that was in the amount of {$10000.00} and that I could give them {$8000.00} and pay a full payment and a half. After I told her what I could do, I was never contacted again until XX/XX/XXXX with a court date for summary judgement foreclosure. I had contacted TeamKy HAF and completed my application but SN Financial Corporation never responded to the TeamKy HAF Counselor. XX/XX/XXXX Judge XXXX XXXX in XXXX XXXX Kentucky Circuit Court ruled in favor for Summary Judgement. i was immediately facing an imminent homelessness so I filed for XXXX XXXX  the day of the sale ordered by the judge in XX/XX/XXXX with the help of a lawyer. I couldn't get all the things done for the Bankruptcy with everything else happening so the Bankruptcy was dismissed and now the sale is in effect again for XX/XX/XXXX. Ordered by XXXX XXXX Kentucky Circuit Court XXXX XXXX XXXX. 
I was completely devastated financially when XXXX XXXXXXXX XXXX Implemented the manditory COVID-19 Business Shut Down that ended my XXXX XXXX XXXX XXXX XXXX XXXX Worst was that I was approved for Ky Unemployment but I never was funded/paid my desperately needed benefits for over a year. Then when I was paid it was only for 6 weeks from XXXX. Was suppose to be 46 weeks. It was several months later before I received anything else from Ky Unemployment. I had no way to pay for my mortgage especially with XXXX XXXX and my father that's a retired XXXX veteran, whom I still taking care of in my home currently. Please help me stop the sale of my home. It's XXXX and we can't even enjoy it for a third year in a row. I have been so stressed over this matter that I went in to the XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please help us!

Company response to consumer: Closed with explanation