Consumer complaint received 2015-06-03
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sirs, We bought our home XXXX yrs ago with XXXX at 11.5 %. We found out shortly after that we were under a preditory loan and could not afford our payments. We tried to sell XXXX after and in that time XXXX went under and our loan went to XXXX. So we had an immediate offer but XXXX turned it down. then a more serious offer came But XXXX turned that XXXX down also! We were sent forclosure papers and sought bankrupsty, when we were hit with the final payback plan and the amount to start our loan again -we could not afford that so we never went to court. We found an expert through XXXX XXXX. We thought finally this would end. It took months to write a wonder proposal and we submitted to XXXX. However they turned it sown and came back with we will put late pymts top end of loan and made us sign papers. The pymnts were more! So then XXXX sold our loan to SLS without our notice. In XXXX I started talking to them and they sent me forms to apply for programs to lower our rates. They said we would not have to make mort pymts while waiting for approval. I was turned down, They imm sent another program offer and another XXXX months went by waiting for approval. Same thing, Turned down. Then another, and yet another. XXXX yrs went by and many months of getting on the phone with them and they say oh we have the papers it looks like you qualify just wait for approval. XXXX XXXX XXXX I got my XXXX not qualified and I screamed at them. They knew full well the math and paper work was all the same but by now we were XXXX yrs behind in mortgage. So they offered us trial agreement by novemeber XXXX ; XXXX XXXX XXXX I borrowed money to start trial. By XXXX I could n't for my life provide enough for mortgage and home expense. I tried but the pymnt were just too high. I asked for a DEED in Lieu. They sent me paperwork talked to them on phone. I sent them document. They come back saying you have to put your house on market. I say you did not say that! So I put it on market. Since XXXX XXXX my house has been on short sale I am now XXXX in the whole. We had a CASH offer in XXXX and guess what SLS turned it down! I have asked and send requesting the DEED in Lieu again however I have had no response. I have called them and they say they can not talk to me because the XXXX lawyer is the only XXXX they will talk too. 
I have spoken with XXXX of companies over the yrs regarding help. Some legit some dont do anything neighborhood housing, XXXX, XXXX or whatever. Our income is the same I am XXXX broken over this and I feel stuck in this hole. My husband became XXXX too XXXX and pray for help daily- XXXX has kept us here for a reason. I have just begun to seek higher appropriate considering a mortgage lawyer wont even help. I will also search FOC, FCC, FTC, OCC, and other state officials. Please respond with any search or contact that might help. Or maybe You are the end to this nightmare. Please HELP!! 

Sincerely Hoping

Company response to consumer: Closed with explanation