Consumer complaint received 2017-04-02
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: Seterus, Inc. ()

This is a simplified version of my story. 

A ) XX/XX/XXXX Seterus Inc., a debt collection agency acquired my mortgage from the original lender without proper notifications despite my mailing address was readily available from the original lender. Seterus 's lack of due diligience caused considerable confusion and delay in payment at my expense. 
B ) XX/XX/XXXX Through relentless effort I was able to find out that Seterus has acquired my mortgage, and to whom payments were to be made. I protested about the lack of notice, and the late charges incurred from the delay. Seterus ignored my complaint. 
C ) XX/XX/XXXX, during my absence from home, Seterus hired a security company named XXXX broke into my home, changed the locks, looted its contents, and shut down the water and electricity, all in the name of 'securing an abandoned property '. I returned home only to find myself locked out. I complained immediately to XXXX about the invasion, citing the fact that as of the day my account was entirely up to date. Police report was filed, and subsequent negotiation with XXXX resulted in a signed release for a {$800.00} compensation from XXXX, which barely compensated from an estimated {$4000.00} loss on my behalf. 
D ) XX/XX/XXXX, I lost my job and under severe financial hardship, so I turn to Seterus for assistance. I 'm seeking first to delay payment for six months as well as a modification. My intention is to gain time so I can concentrate on landing a new job. Seterus, despite of its letters expressing understanding and a willingness to work with me, actually had no interest in anything other than to foreclose my home and default my loan. My credit ratings, which were very high and spotless until Seterus appeared in my life, too a stright dive to the bottom, and thus gave Seterus a flawless excuse to denied any form of modification. 
E ) Seterus insists on using paper mail as main form of communication, and would not hesitate to mail multiple letters and statements that were either repetitive, contradictory, and always confusing. As an example, I 've received at least XXXX copies of the forebearance agreements over several months, each with a different dollar amount. Calling Seterus on the phone is a pure waste of time. My forbearance agreement is to take effect from XX/XX/XXXX and lasts for 6 months. During this time I still get plenty of threatening letters and statements saying my account has defaulted. I wrote to Seterus in XX/XX/XXXX seeking clarification and requesting an extension, only to wait another month for several vague responses and more defaulting note. A letter from XXXX XXXX XXXX send a letter informing me that they are taking over the matter and are about to take over my home. 
F ) On XX/XX/XXXX, a notice was taped to my front door with my full name and details of the loan, and a foreclosure notice stating the property will be for sale at a public venue at the place of holding the curcuit court at XXXX on XX/XX/XXXX. 

I have no ill intention at avoiding my financial responsibilities, and I 've been living in this house for over 10 years. The mortgage was 2/3 paid off without incidents and the final 1/3 would soon be repaid if I still had my job. Furthermore there should be plenty of lenders willing to work with me and assist me fairly and honestly, especially since I 've had a clean financial history before Seterus appeared. There is no doubt in my mine I have been victimized by a predatory company whose real goal is to prey on those at their most vunerable time. I have worked hard all my life to finally own the house I have now, and I would not allow this predator to use such dispictable tactics to acquire it. I need to know what I can do at this point to save my most valuable possession. 

Please provide me with help and guidance. Much appreciated, and thank you.