Consumer complaint received 2016-12-19
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in foreclosure and will likely lose my home even though I never once missed a mortgage payment prior to its filing in XX/XX/XXXX. Original lender was XXXX, after foreclosure filing, loan has been re-assigned numerous times causing more issues, delays, etc. as every time they do this, its like starting all over again with new attorneys, new servicers, etc. Now, its with Selene Financial who lies, cheats and breaks the law. 
After 4 years of constant run around in court, I was finally offered a Mod in XX/XX/XXXX which I agreed to even though I was being erroneously/fraudulently foreclosed upon with proof I had never missed a payment to XXXX prior to foreclosure filing. I agreed just to be done with this mess, rebuild my life and put these years of XXXX behind me and my family. 
Selene finally sent a Mod pack 6 wks later, I returned it completed almost immediately. No response from them in writing, just their attorney ( XXXX ) telling my attorney all was ok. Selene attny lied to my attny repeatedly in the last few months while pushing case to a trial last week on XX/XX/XXXX when he knew trial should be stopped as we were in Mod negotiations. Selene attny lied to the judge at trial claiming the Mod pack was never returned when it was emailed directly to him 6 months ago! Judge advised in court that he would be ruling in favor of Selene because it appeared I had taken no action to save my home! This is not true, Attorney XXXX for Selene Finance LIED TO THE JUDGE. Every time the judge asked the status of the mod, XXXX remained silent while deferring the question when HE was the only one who actually knew the status of the mod! 30 mins after trial, the mod offer was faxed to my attny, dated 6 weeks prior with an expired deadline! 
I have been fighting for a total of 8 yrs over this loan. Loan originated in XXXX, by late XXXX XXXX repeatedly claimed all kinds of mysterious fees, escrow re-calulations, etc I modified in XXXX just to clear the slate and put an end to their constantly moving target. Was very diligent about my payments after that having everything on autopay but in XXXX it all started again. After a year of more mysterious fees, recalculations and more moving targets, I retained an attny to assist resolve whatever the matters were, etc. Another year of efforts while continuing to pay the monthly mortgage and whatever else they said I owed but would n't explain or provide documentation for but no relief to their mayhem and finally foreclosure filing in XXXX when I never missed a payment. 
I have been fighting in court for 4 yrs since. Banks will not provide discovery, will not submit witness lists/exhibits legally, etc. Selene Finance calculated a trial by ambush then lied to the judge regarding the status of my loan and loss mitigation efforts. 
My only possible option now is to allow myself to be strong armed into an unscrupulous predatory mod agreement before the judge renders the final ruling in a few weeks but I have no faith that Selene and their unethical attorney XXXX will honor it anyway. My fear is they will take more of my money with promises of resolution and pull another illegal, unethical maneuver. 
I was a financially responsible homeowner with NO other debt other than my mortgage when I purchased my home. I put down a 25 % down payment of $ XXXX on a $ XXXX purchase, invested another $ XXXX into upgrading the home. I signed a conservative 30yr fixed loan I could easily afford. I had owned homes before with no issues and to this day have no idea how all this even happened. 
I have paid $ XXXX in legal fees over 4.5 years trying to save my home only to have Selene Finance lie in court after taking a case to trial that should not have been in trial. 
I am a single mother. My home was all I had. They have taken everything from me.

Company response to consumer: Closed with explanation