Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MI)

About 4 years ago, I lost my job and had to took a major pay decrease to quickly get another job, to make ends meet. I reached out to my mortgage company ( Selene Finance ), for assistance and applied for a loan modification. The loan modification was approved and trial plan was put in place. I had few questions about the modification they approved me for and I continually called and wrote the mortgage company about my questions in regards to the rate, term, and an additional {$50000.00} to {$70000.00} that was added on to my balance. However, in the meantime I was making the payments indicated in the plan. No one ever answered my questions, and this went on for about a year. I never missed a payment within that year. After a year, I was no longer allowed to make payments, UNLESS I paid the arrearage in full ( which at the time was about {$20000.00} ). If I didn't pay the arrearage, I couldn't make any payments at all. This lasted a few months before XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The medical bills and funeral bills were outrageous. This was all explained to my mortgage company. They advised me to apply for a modification again. It's been about 2 years now. I have applied for a mortgage modification " 6 '' times within this 2 year span. Within these two years, I lost my job again, I was never allowed to make any payments, and now the arrearage has grown to over {$70000.00}. I had to pay XXXX  hundreds of dollars to fax the mortgage company hundreds of pages of documents to support my income and assets for a loan modification that was never even reviewed properly. They kept trying to do a loan repayment plan and not a modification. They wanted me to pay {$20000.00} upfront and {$4000.00} to {$5000.00} a month and I had no job, was collecting unemployment, and collecting government aid for food. There was no way I could afford that, and they never allowed me to make the regular payments. They lost our modification paperwork several times, and gave us the run-around for 2 years. Now, two weeks ago, without any notice AT ALL. I get a foreclosure notice stuck on my door, a foreclosure letter in the mail, and thousands of letters from attorneys stating that it is public record that my house was in foreclosure. The last time I spoke with Selene, I was still awaiting approval for a loan modification. I called and spoke with two different people just a week and two weeks before the foreclosure notice, and no one informed me that my home was in foreclosure. To this day, I haven't received a denial letter for my loan modification, and I was never provided a foreclosure " intent letter ''. Now that they have paid an attorney to do a foreclosure, they won't help us at all. I have reached out to them for over two years and begged to keep paying them monthly, and begged for help. They had us send our documentation in 6 times, only to foreclose on us without any notification and no denial to our modification in writing. I know this is not fair, but is this legal?