Consumer complaint received 2017-01-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (NV)

I have been dealing with XXXX XXXX XXXX and it 's collections agencies for several years now. I do have a modification and I got behind in my payments due to the horrible and damaged economy here in XXXX XXXX. I tried everything possible to find adequate work. I finally was able to get a position as a XXXX and It too a very long and lengthy time for me to be approved to be able to XXXX. During that time, I tried to find other work, as well as, work as a hair dresser. The economy was so damaged and bad, that not alot of people came in for services. 
I worked with XXXX XXXX XXXX and then their collectors, XXXX. They were realtively nice to a point and then some of their people got very nasty as I was calling them to let them know what was going on. I was assured and told that it is happening all over the place. 
I was switched to Selene Finance and they were monsters and terrible gangsters with me and my account. They were extremely nasty. Once, I was able to pay my bills as the funds starting coming in from both the XXXX and my meager social security, I sent in cashier checks from XXXX. The first check was never sent back to me and the other ones were held for a period of time and then sent back to me. I then sent them a personal check in the amount of {$4600.00} to cover the amount on the bill of {$4500.00}. which cover the entire amount due. They sent back the check and said that it was late. It was not late for there is both a grace period and the fact that I mailed the check the same day that I dated it. I had sent in Cashiers checks from XXXX and they did n't and would n't accept the checks. 
I now put up the amount of the money due in an account at XXXX since they refuse to take any checks what so ever. Now, they say that I oue over XXXX due to the fact that we went to court. I have legal aid and the lawyer, XXXX XXXX, was sick. I did n't know why we were in the court at all. The judge, XXXX XXXX talked about other things and did n't really address the issues of the bank not taking the checks for the bills that were due. 
I am an educated man who is XXXX, and do not have any where else to go. I will not live or stay in the streets. My home is all that I have and have worked hard all my life to be able to live a decent life. I do not smoke or drain alcohol or do any illegal drugs at all. I do have XXXX and I am just besides myself. It seems that they have wanted my home for the last several years. The values are coming up again and their is again some equity in the value of the home. I know that they have been know to throw people out in the streets and allow them to die. 
Please help me. I ca n't stand the tension and the horrible things that I see coming towards me. I am a good man and I have helped out many people but to be treated this way, is unbelievable. 
I do have {$7100.00} in the bank for the bank but they even tell me that I ca n't talk for myself anymore. Only the lawyers, who did n't fight for me,, is the one who has to talk for me. I DO N'T UNDERSTAND AND CA N'T ALLOW THIS TO GO MUCH FURTHER!!!! 
They seem that they are after me, to kill me and to take my home. There are structural issues with the house due to the fact hat the HOA signed off on all the defects and structural damage to the XXXX homes that are in the community.. Please help me, before, they XXXX, who wo n't allow them to touch me Thanking you in advance for any and all the help that you can give to me. They are pushing me to have a XXXX. I just want to be able to live in my home in a peaceful and decent manner. 
XXXX XXXX