Consumer complaint received 2024-03-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (CT)

XXXX XXXX XXXX XXXX XXXX. XXXX Foreclosure Hardship Chronology XX/XX/XXXX Defendant signed into a Loan refinance not knowing it was an illegal mortgage and banned under CONNECTICUT PA 01-34 AN ACT CONCERNING ABUSE HOME LOAN LENDING PRACTICES. 

On XX/XX/XXXX Defendant was provided with what she thought was a HOPE Act Loan Modification to fix the issues with the predatory loan from XXXX. 

On XX/XX/XXXX, with the help of the DOB since XXXXXXXX XXXX XXXX, Defendant signed the HOPE Act Loan Modification. 

Neither the DOB or the Defendant noticed that the loan was invalid under the Act because instead of getting the defendant into a fixed rate, affordable loan, after the initial XXXX, she went back to the loan the Federal Government enacted the HOPE Act to correct. 

XX/XX/XXXX, Defendant notifies XXXX XXXX XXXX that she is now XXXX. DOB ( Dept. of Banking ) and Defendant begin requesting that the loan modification be made into a permanent one. XXXX refused to acknowledge plaintiffs XXXX and the need to ensure that in XXXX, she would be able to afford the mortgage as she was now XXXX. 

XX/XX/XXXX Defendant was preparing for her loan modification to complete and become permanent when she noticed the failure in the HOPE Loan Modification. She contacted the DOB again. For the remainder of the year, the Defendant and the DOB tried to get XXXX XXXXXXXX XXXX to comply with the HOPE Act. 

XX/XX/XXXX DOB suggests that defendant try to file for a new modification even-though her present one was not due to end until XX/XX/XXXX. This was denied because she had a loan modification already. 

XX/XX/XXXX Defendant is urged by DOB to try the loan modification process again as her loan modification will be ending in XXXX months. This is met with delay tactics by XXXX  XXXX XXXX to process her paperwork in a timely manner and forcing her to start the process all over. 

XX/XX/XXXX Defendant is told that she must be XXXX  months to qualify for a loan modification. At the time, Defendant did not know this was illegal and let her mortgage go for XXXX  months. 

From XXXX Defendant makes a total of XXXX more attempts at a loan modification having XXXX of them prematurely closed due to stale documents and XXXX being {$600.00} more a month higher than her mortgage, she was in. 

There is XXXX last attempt at a loan modification in XXXX, as part of a mediation on a lawsuit that the defendant filed in federal court against XXXX XXXX XXXX  and SLS. 

XX/XX/XXXX Defendant files suit against XXXX  XXXX XXXX et. Al. 

XX/XX/XXXX Defendant files for Informa Pauperis status. 

XX/XX/XXXX Defendant files for electronic notification XX/XX/XXXX First request for Pro-bono, doc. No. XXXX XX/XX/XXXX Defendant files affidavit on the record, Never logged on case. 

XX/XX/XXXX Defendant motions for hearing as no movement on her case. Doc. No. XXXX XX/XX/XXXX Defendant makes first motion to amend. Doc. No. XXXX XX/XX/XXXX Judge dismisses XXXX of XXXX complaints, and denies motion for pro-bono along with other things. Doc. No. XXXX XX/XX/XXXX Defendant refiles Motion for Pro-bono. Doc XXXX. XXXX, XXXX XXXX XX/XX/XXXX Defendant files amended complaint due to dismissals of XXXX of her counts, doc no. XXXX XX/XX/XXXX Defendant Again motions for Pro-bono counsel., doc . No. XXXX  XX/XX/XXXX Defendant Motions for Pro-bono, Doc. No. Never logged on case XX/XX/XXXX Defendant motions for Pro-bono attorney again, Doc. No. XXXX XX/XX/XXXX Defendant applies for XXXX Accommodations related to request for Pro-bono attorney. Doc. No. XXXX XX/XX/XXXX XXXX sequestered/sealed , Doc. No. XXXX XX/XX/XXXX Defendant notices court of XXXX violations, Doc. No. XXXX XX/XX/XXXX Defendant files Retaliatory Affidavit. Doc. No. XXXX XX/XX/XXXX Judge Reinstates Defendants electronic filing status. Doc. No. XXXX XXXX Status Conference about XXXX, Mediation recommended by XXXX, XXXX to Stay to assist with mediation. Document No. XXXX. 

XX/XX/XXXX Motion for withdrawal granted after mediation, Document No. XXXX & XXXX XX/XX/XXXX & XX/XX/XXXX Judge orders Mediation Settlement with Judge XXXX, Document No. XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX Judge reassigns Mediation to Judge XXXX, Doc. No. XXXX and XXXX XX/XX/XXXX Telephonic Scheduling Conference for Mediation with XXXX and for demands to be made before it, Doc. No. XXXX, XXXX XX/XX/XXXX Telephonic Status conference with XXXX about mediation to schedule Mediation for XX/XX/XXXX, Doc. No. XXXX XX/XX/XXXX Mediation with Judge XXXX, XXXX  XXXX XXXX and SLS did not come in good faith to mediate according to XXXX XX/XX/XXXX Minutes Entry for Mediation, Doc. No. XXXX XX/XX/XXXX Homework ordered by Judge XXXX for Mediation due XX/XX/XXXX. XXXX  XXXX XXXX and SLS refused to comply. Doc. No. XXXX XX/XX/XXXX XXXX and dispositive motions ordered completed by XX/XX/XXXX, Doc. No. XXXX XX/XX/XXXX - Defendant has to refile about her XXXX Accommodations, Doc. No. 

XX/XX/XXXX Homework never completed by XXXX  XXXX XXXX and SLS, instead made new demands for full payment of loan and refused to consider any mediation unless Defendant signed new Loan agreement that they would not explain to her. 

XX/XX/XXXX XXXX refiles to withdrawal, doc. No. XXXX XX/XX/XXXX Status Conference Judge officially removed XXXX, but will not put on a new attorney to assist unless needed for summary judgement and then only if addendum needed. Document No. XXXX XX/XX/XXXX Defendant again motions for reconsideration of Pro-bono and is denied, Doc. No. XXXX XX/XX/XXXX XXXX XXXX XXXX and SLS files motion for summary judgement, Doc. No. XXXX XX/XX/XXXX Judge Denies Motion for Reconsideration claiming it refers to Doc. No. XXXX and that Defendant did not provide case law or provide data, Doc. No. XXXX XX/XX/XXXX Defendant motions to Amend complaint, doc. No. XXXX XX/XX/XXXX Judge grants amendment of complaint, Judge cites that Defendants statement about lack of legal experience and XXXX caused her to miss the Fair Debt Practices as part of her amended complaint on XX/XX/XXXX ( doc. No. XXXX ) but judge grants as XXXX waa not completed yet, doc. No. XXXX XX/XX/XXXX Defendant files motion of contempt related to mediation homework that attorneys did not do per orders of mediation judge. Doc. No. XXXX XX/XX/XXXX Status Conference No hearing notes or loggings by courts for this Status conference. 

XX/XX/XXXX Judge denies motion of clarification for document no. XXXX, dated XX/XX/XXXX, but Doc. No. XXXX is not a clarification but rather a Motion for Extension of time filed by the Defendant, Document XXXX was the clarification. Doc. No. XXXX. 

XX/XX/XXXX Judge denies contempt against XXXX  XXXX XXXX and SLS filed on XX/XX/XXXX document XXXX. Doc. No. XXXX XX/XX/XXXX Order granting in part and denying part Defendant motion to amend. Judge denies Fair Debt Practices claim against XXXX  XXXX XXXX. Doc. No. XXXX XX/XX/XXXX Defendant motions for reconsideration of denial of XXXX on Amended. 
Doc. No XXXX XX/XX/XXXX XXXX  Denies Reconsideration of Doc. No. XXXX. Doc. No. XXXX XX/XX/XXXX Defendant motions for reconsideration on Contempt doc. No. XXXX and XXXX. Doc. No. XXXX XX/XX/XXXX Defendant motions for reconsideration again on amended complaint. Doc. NO. XXXX XX/XX/XXXX Judge denies reconsideration of amended complaint Doc. No. XXXX and threatens Defendant despite XXXX accommodations related to hidden XXXX and clearly showing that Defendant is having a hard time again navigating the Federal Court system without an attorney. 

XX/XX/XXXX Status Conference on XXXX  denied and granted in part. Doc. No. XXXX XX/XX/XXXX Motion to Clarify and Fix an error by Defendant who again cites her XXXX hidden disabilities impeding her ability to comprehend. Doc. No. XXXX XX/XX/XXXX Judge Grants but denies relief for Clarifying and Fixing a time frame error, doc. No. XXXX. Doc. No. XXXX XX/XX/XXXX Defendant files for an amended complaint as she has just discovered that her mortgage is owned by XXXX since XXXX and should have been included in the lawsuit. Doc. No. XXXX. 

XX/XX/XXXX Judge Denies amended complaint doc. No. XXXX. Doc. Number XXXX. 

XX/XX/XXXX Defendant files for default related to discovery. Doc. No. XXXX XX/XX/XXXX Judge Denies default related to XXXX  doc. No XXXX. Doc. No. XXXX XX/XX/XXXX XXXX  XXXX XXXX and SLS emailed and filed for an extension of time to file a summary judgement. 

XX/XX/XXXX Defendant files again for appointment of pro-bono attorney based on Judges XX/XX/XXXX status conference that if the XXXX  XXXX XXXX and SLS filed summary judgement, a court appointed attorney would be provided. Defendant had her XXXX advocate as a witness to this statement in the court room by the judge. Doc. No. XXXX. 

XX/XX/XXXX XXXX and SLS file summary judgements with a supplemental. Doc. No. XXXX and XXXX, XXXX. 

XX/XX/XXXX Judge Denies motion to compel XXXX  XXXX XXXX and SLS to produce discovery. Judge reprimands Defendant for not understanding his directions of what to do. Though Defendant did comply with listing all the discovery not produced, which was all of it. Doc. No. XXXX XX/XX/XXXX Defendant Notices the courts about her concerns that her XXXX are being violated and that she clearly needs assistance which is being denied and that she did comply with rule no. XXXX to discuss XXXX  issues first with XXXX  XXXX XXXX and SLS. Doc. No. XXXX XX/XX/XXXX Judge again denies request to appoint counsel. Doc. No. XXXX XX/XX/XXXX Defendant files objections without the assistance of an attorney to the summary judgement to both XXXX  XXXX XXXX and SLS. Doc. XXXX and XXXX. 

XX/XX/XXXX - XXXX continues to file supplementals. Doc. XXXX XX/XX/XXXX XXXX files another supplemental. Doc. No. XXXX XX/XX/XXXX Judges Grants Summary Judgement and Closes case despite it being quite evident that Defendant needed to do a summary judgment based on the fact that the XXXX  XXXX XXXX and SLS were filing them. Doc. No. XXXX & XXXX. 

XX/XX/XXXX SLS letter of Delinquency. XXXX  years too late? 

XX/XX/XXXX XXXX XXXX XXXX XXXX as trustee files foreclosure for the first time ever in the term of the mortgage, which began on XX/XX/XXXX. 

XX/XX/XXXX Assigned to speak with Attorney XXXX XXXX XXXX XX/XX/XXXX Applied for Mediator XX/XX/XXXX ( Approximate date ) - Assigned XXXX XXXX XX/XX/XXXX Met with XXXX XXXX XX/XX/XXXX Pre-mediation/modification meeting Signed : XXXX XXXX XXXX