Consumer complaint received 2016-05-23
Company: Fay Servicing, LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX and I have a home that is to be auctioned on XXXX/XXXX/16 by Fay Servicing. I am pleading your help to stop this auction NOW to allow more time to try to sell my home in order to avoid a foreclosure. Fay Servicing has filed a judicial foreclosure on me in order to foreclose on my once ( PAID OFF HOME ), and i am a victim of predatory lending. 
I 'm a very ill, XXXX, XXXX XXXX XXXX XXXX. I have fought to keep my home I 've lived in for over 25 years from a present foreclosure. My home is at the point of a Sheriff 's sale now and hanging by a thread. 
Originally XXXX held the mortgage starting approximately on XXXX. At some point later, XXXX XXXX XXXX bought XXXX and took over administering my loan and others. I might add that both banks held my feet to the fire by lies, threats, intimation. But worst of all-hollow deceitful promises to keep me at home from false promises of a re-modification on my existing loan which never happened. I paid XXXX full payments even after falling ill, and struggled to work with them by sending smaller payments every month. But instead of helping me they sold my mortgage to XXXX XXXX XXXX. I then paid them a years worth of preloan modification payments of {$420.00} because XXXX XXXX XXXX made deceitful promises of a loan modification just like XXXX did. I must add that every dime I paid XXXX of these banks came from my small social security check every month. Needless to say I had very little to live on left each month even though I had monthly utility bills, medical bills, etc. 
However, during my ongoing deterioration of health, XXXX I continued to try to save my home by applying for various government and state agencies foreclosure help. All turned me down because I 'm too sick, too old and have no viable income other than social security! I 've tried to get a Quite Title, or a Life Estate solution with no results from the folks helping me in this capacity. No one seems to care if I lost my home!! 
So I kept searching for help every where I could over the last nine years. However, drowning in useless paperwork, and intensive computer research, plus every other source I could find but to no good end, I became so ill that I lost all my XXXX. My whole life changed from my credit rating, normal life style, due to health driven emotional highs and lows XXXX ). I lost items I could not pay for, and stopped my phone service, cable and other non essentials I could not pay for. I was and am desperately ill and basically trying to survive alone against a tide of life crashing down on me. 
Later when other mortgage companies tried calling me they could now reach me. Even so, when I received their mail and because of the shoddy and criminal way I was treated by XXXX, XXXX XXXX XXXX ; and so called Federal and State Foreclosure agencies, and mostly because of being so desperately ill, I did not always respond, or if I did, I demanded proof of their having a legitimate right to handle by mortgage, and promises of help, which none supplied. 
My health issues can be confirmed by other documents, including doctors numbers, dates and other medical and Washington state services I have or am receiving now, if needed. 
Please stop this auction on XXXX XXXX by Fay Serving!! 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation