Consumer complaint received 2016-06-24
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern : XXXX XXXX and their attorney 's are attempting to steal my home. 
An option ARM mortgage was taken on my condo in XX/XX/XXXX with XXXX XXXX and in XX/XX/XXXX due to financial hardship, XXXX XXXX gave me a trial payment for approximately {$900.00}. which I paid without fail for 1 yr instead of the 3 months I was originally told it would run before approving me for a loan modification. XXXX XXXX then acquired XXXX XXXX and not only returned my last payment, they canceled my payment plan even after submitting XXXX modification packages both denied by XXXX. 
At some point XXXX XXXX contacted me saying they had taken over from XXXX and not only did I make a {$15000.00} payment to XXXX, I also submitted a XXXX loan modification package which was again denied. 
Recently XX/XX/XXXX I received a letter from XXXX that Selene Financial would take over my loan account. Around the same time XXXX XXXX law firm XXXX XXXX, has been representing XXXX XXXX and who I had not received any notice from in over a year, sent a letter acknowledging the rescheduling of a court hearing! This took me totally by surprise because I would never disrespect the court by not appearing at any hearings. I became suspicious because at previous hearing, an attorney from this very same law firm threatened me outside of the court room saying he " was going to take me out because I 'm the hit man they call in at the end. '' and I immediately went back inside and told the judge. On a hunch I decided to go down to the court house to look up my file where I discovered that for over 1 yr XXXX XXXX and their attorneys have been lying to the judge and quietly pushing my case through the courts system by sending all appearance notices to addresses in Florida I 've never lived at or been to since XX/XX/XXXX giving the judge the false impression I was simply ignoring the hearing dates and was absent at all the hearings thereby giving the judge no choice but to rule against me and in favor of XXXX XXXX and their sneaky attorneys. 
Every single loan modification document submitted, including paystubs, bank statements, real estate tax payments and common charge payments clearly show I 've been in New York at the same address in question SINCE XX/XX/XXXX! All of the sudden this same XXXX XXXX law firm XXXX XXXX do n't know where I am? My file is full of sworn affidavits of people/attorneys swearing they could n't find me anywhere so that 's why the just should just sign the orders being put in front of her. 
Because I was fortunate enough to receive this most recent court notice at my correct and only address since XX/XX/XXXX, I was able to appear at the hearing and totally surprised the attorney from XXXX XXXX when I stood up during the calendar call. XXXX XXXX 's attorney became very upset when I insisted with the court clerk that I be allowed to see the judge that day to let her know of their deceit. The XXXX XXXX attorney then complained he did n't want to be " side swiped '' because he was n't even prepared to address my case. He came expecting a slam dunk signed order and that 's it. The court clerk then told me that I would not be able to see the judge that day because the calendar was not only full but I also needed to properly format and prepare my response or complaint so the judge could hear me out. I only agreed because I saw they were not going to let me see the judge. XXXX XXXX and their attorneys are not only trying to steal my home, they are misleading, cheating and lying to the judge, falsifying sworn affidavits and willfully, maliciously breaking every single settlement item they agreed to in the National Mortgage Servicing Settlement. XXXX XXXX and their attorneys should be punished and made to pay me including reducing my principal and instantly approving my modification.

Company response to consumer: Closed with explanation