Consumer complaint received 2015-03-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Aspen Yo LLC (FL)

This complaint was delayed due to a major car accident in XXXX XXXX. EVERY FACT referenced is attached, XXXX docs, XXXX to show the corruption of my loan. A full detailed descript is also attached for full clarification. On XXXX/XXXX/XXXX I purchased my XXXX horse property ; my loan was $ XXXX. In XXXX, my property valued $ XXXX, at foreclosure in XXXX, $ XXXX. It sold XXXX/XXXX/XXXX, $ XXXX. My home was never upside down ; Our $ XXXX pymt do-able. I got XXXX in XXXX for XXXX. We spent XXXX yrs in loan modification ; an approval in XXXX XXXX, but the bank lost the paperwork & denied us, back to square XXXX. My house was taken illegally on XXXX/XXXX/XXXX by XXXX XXXX XXXX, WHO DID NOT EVEN OWN THE NOTE. XXXX XXXX XXXX gave XXXX a " loss note affidavit '' to my property XXXX/XXXX/XXXX. XXXX foreclosed XXXX/XXXX/XXXX ; we NEVER had a chance to remedy our loan despite written requests ; we were a $ XXXX goldmine. From XXXX XXXX we were in courts to get back our house that was rightfully ours. On XXXX/XXXX/XXXX, XXXX 's attorney perjured himself in the XXXX XXXX XXXX court, under oath/recorded in the court transcript stating they COULD produce the note to my home when the judge asked. Based on that " LIE '', the judge granted them possession of our house. On XXXX/XXXX/XXXX XXXX filed a loss note affidavit wXXXX XXXX XXXX, XXXX. XXXX, & in our evidence the judge refused to view, on XXXX/XXXX/XXXX XXXX notarized a " loss note affidavit '' for the foreclosure & filed it in XXXX XXXX XXXX XXXX/XXXX/XXXX. An independent SECURITIZATION AUDIT on XXXX/XXXX/XXXX wrote, " DUE TO THE HISTORY OF THIS NOTE, WE BELIEVE NOTHING SHORT OF PRODUCING THE ORIG NOTE WILL SUFFICE TO ACCURATELY CLARIFY OWNERSHIP OF NOTE & PROPER LEGAL STANDING. WITHOUT XXXX HAVING PROPER OWNERSHIP OF DEBT, THE BANK CAN NOT INITIATE ANY COLLECTION ACTIVITY, LET ALONE FORECLOSURE ''. In summary, I had XXXX forbearance plans ( all pd in full ) - my loan mods always denied after. My loan was transferred 8 times, $ XXXX in payments $ XXXX ( XXXX/XXXX/XXXX ), $ XXXX ( XXXX XXXX XXXX & $ XXXX ( XXXX/XXXX/XXXX ) to bring my loan current w/ XXXXXXXX went " missing '' after loan transfers. My attys asked for copies of the orig note for 2 yrs ; we were told we were n't entitled to this info ; my loan transferred immediately = more " misc fees '' /lost loan mod papers/forbearance agreements. For 6 yrs we made pymts ( noted above ), sent endless credit reports, bank statements, insurance docs, etc. It was mentally & physically exhausting ; we avg 20+ hrs/week following up, re-explaining our situation/lost paperwork because lender reps were " transferred ''. In XXXX, we had $ XXXX equity in our home ; we could n't get a line of credit. XXXX XXXX applications = DENIED. My attys repeatedly requested QWRs - NO RESPONSE. XXXX XXXX, part of XXXX, was faxed a QWR on XXXX/XXXX/XXXX. NO RESPONSE. XXXX/XXXX/XXXX my XXXX loan payment coupon showed $ XXXX past due ( the $ XXXX still missing + $ XXXX in " OTHER '' fees ). I only owed $ XXXX. NO RESPONSE. My pymt was now $ XXXX not {$2700.00}. XXXX said pay $ XXXX or we 'll foreclose. They refused to provide an itemized pastdue listing or an ability to remedy our loan. XXXX XXXX XXXX sent a letter to XXXX on XXXX/XXXX/XXXX ; asked to stop the foreclosure for an investigation ; NO RESPONSE. Foreclosed XXXX/XXXX/XXXX ; we filed XXXX XXXX that day. Spent 12 mos in court, XXXX XXXX Court refused to hear our case. On XXXX/XXXX/XXXX XXXX XXXX in XXXX XXXX broadcast our plight ( see attached video ). We were evicted XXXX XXXX. My children were traumatized. On XXXX/XXXX/XXXX my atty advised I filed bankruptcy saying this was the ONLY way to protect me from the true owner of my note showing up for the $ XXXX & I would n't have the house. XXXX/XXXX/XXXX filed $ XXXX suit for damages to my property ; there were none. XXXX XXXX XXXX sold my house for $ XXXX.