Consumer complaint received 2018-04-24
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX my father passed away. Shortly thereafter, during the same month of XXXX. I retained a probate lawyer. The law firm proceeded in contacting XXXX XXXX to inform them that I was the sole heir and wanted to keep our family home. When asked how I should go about keeping the home, they said, just make the payments. A few months later, when I went to make a payment, the teller refused to accept it. I was then told they could not discuss the situation with me because I was not on the mortgage. I then sought counsel with a foreclosure attorney who suggested the bank would not likely speak to me or come to any deal until probate was over ( unless through a litigation process with lawyers ). So, in order to have this dealt with properly, I retained him. Then, in XX/XX/XXXX Foreclosure began. While originally with XXXX XXXX it was later transferred over to XXXX XXXX XXXX XXXX, XXXX, DOING BUSINESS AS XXXX XXXX, NOT IN IT'S INDIVIDUAL CAPACITY, BUT SOLELY AS TRUSTEE FOR XXXX XXXX ( as plaintiff ) with Selene Finance as the servicer. This has gone on now for roughly 5 years. In that time, the only thing we have been able to work out with the financial institutions was a pay ahead in full, cash buy-out option or a trial mod which would increase the monthly payments to roughly {$3800.00} per month that included terms allowing them to then drop me afterwords for no substantial reason at any time. Neither of which are easily affordable and with the situation, not many cash lenders were keen on helping at an affordable rate. I still don't understand why someone would offer those " trial '' terms unless they never had any intention on actually working with you to begin with. At no time whatsoever did any of the financial institutions involved provide me with information or a means to assume the mortgage nor did they any of the 5 or so times I sent them the same paperwork, offer me a legitimate/realistic refinance option. Now the amount I would have to work with is much higher ( nearly double ) due to the time they have pushed this out. Clearly they have no concern about my situation, nor do they have any concern about the rules implemented by the CFPB. Instead, they insisted that I had no rights and in court even denied knowing anything about the CFPB rules even after multiple mentions to the plaintiff counsel through email. All this and during the entire foreclosure procedure, the mortgage/note they were attempting to foreclose with was Defective. 
As suggested by my legal counsel, I have refiled this complaint against Selene Finance, since there is no direct listing to file against " XXXX  XXXX XXXX XXXX, XXXX, DOING BUSINESS AS XXXX XXXX, NOT IN IT'S INDIVIDUAL CAPACITY, BUT SOLELY AS TRUSTEE FOR XXXX  XXXX '' and I inadvertently filed against an incorrect institution. My sincere apologies to " XXXX XXXX ''. 
The amount of stress put on a family who is trying to work out reasonable terms is hard to measure. To have to spend the money you would be financially securing your family with on an already over-worked legal system is non-sense. To be ignored as a sole heir and told you have no right to what has been left to you, when the financial institution could be conducting legitimate business instead, is bad business. I truly hope the CFPB is able to do what others have not been successful in. 

I'm unable to upload the files ( too large ). 
Original mortgage was under XXXX XXXX ( my father ) with/through XXXX XXXX ( I believe previously aka XXXX XXXX XXXX XXXX XXXX ) We did have our court date, at which time I was not allowed to defend my case. So, after 5 years of fighting the financial system the foreclosure sale date has now been set. 

Thank you, to whomever has taken the time to read this. 

Addresses : Selene Finance XXXX XXXX XXXX XXXX, PA  XXXX Selene Finance XXXX XXXX XXXX XXXX XXXX, TX  XXXX

Company response to consumer: Closed with explanation