Consumer complaint received 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MA)

My name is XXXX XXXX. I have been looking for an Attorney to help me with a Bank ( XXXX XXXX ). My house was supposed to have been foreclosed on. At least I was told it was in XX/XX/XXXX. I was taken to court and almost forced to move. My family would have had to move if my brother wasnt in the military. Then in XX/XX/XXXX after my mother put in an offer to buy the house and the bank agreeing to the offer ; I was told they couldnt sell the house to my mother. The reason I was given was ; I still owned the house. 
I never got a clear explanation of what happened, just I still owned a house the bank ( XXXX XXXX ) told me they foreclosed on. At this point I was told by the realtor helping me to contact the bank and try to make some arrangements. During this time the bank had taken everything out of my name. The house, taxes, and water and never properly reinstated my name back onto anything. 
I then was brought to court by the XXXX XXXX XXXX XXXX XXXX XXXX for the non-payment of the water bill. A bill I was not receiving due to the said foreclosure. It was during this court case when it was explained to my mother, the court mediator, and myself how the bank had illegally foreclosed on the house and how I still owned it. 
After finding out the bank never properly foreclosed in XX/XX/XXXX. In XX/XX/XXXX, when I finally spoke to someone who tried to help me. I made 3 payments and after those payments the person said they could no longer help me. I was redirected to another person from the bank who did not exist at the number the bank provided, nor could this person be located within the company. I have reached out to the Comptroller and The Office of the President. The Office of the President from XXXX XXXX was in contact with me but also abruptly stop communicating with me. 
Then one day the bank ( XXXX XXXX ) sent me a letter stating they were going to charge off my loan and give me the house. When I called on the letter I was told, they wouldn't be bothering me anymore and the house was mine this was in XX/XX/XXXX. In XX/XX/XXXX, the bank ( XXXX XXXX ) sent me a letter stating I owed them over {$300000.00} for a mortgage they told me they foreclosed on, to learn they never foreclosed, they never would make any arrangements for me to pay, then told me they were giving me the house, to owing {$300000.00} for a mortgage with interest, penalties, and fees. 
When I asked for the information showing all of this they asked, " Why did I want it? '' Then like they always do, they stopped corresponding with me. I then got a letter from another servicing company stating they were collecting on the loan. I have asked both banks ( XXXX XXXX ) and XXXXhe servicing company SLS ( Specialized Loan Services ) at this point is the loan a Time-Barred Loan?. Neither of the banks answered me. SLS ( Specialized Loan Services ) representative told me, I dont know what that is. 
From what I have researched, once the bank started the foreclosure in XX/XX/XXXX it accelerated the debt. Thus, making it an unsecured debt which then turned it into a time barred debt. I'm not a Lawyer in no sense of the word. I just want this big mess to go away and for my family to be secure in our home again. My family and I have been through enough and would like to put all of this to an end. 
I have been working with the Massachusetts Attorney Generals Office to see if they could help clear up the issue with the new servicing company. The first person the AGO was in contact with at SLS was unable to provide the AGO with clear information of the situation. I have recently received a foreclosure notice form SLS and reported this new information to the AGO. 
The AGO advised me of his attempts to get into contact with his contact from SLS with no response. Able to finally get into contact with someone at SLS the AGO was told to reinstate the loan ; the servicing company wants to double the amount of the loan at a higher interest rate. The AGO advised me, it did not sound like a good deal. He also stated it doesnt sound fair to me and recommended I file a report the CFPB. 
My loan was never properly reinstated when XXXX XXXX said they didnt foreclose on the house. Now I am being charged penalty and fees from another servicing company which doesnt seem fair ; since the mess XXXX XXXX created was never fixed. 
Again, this foreclosure will go on my credit making me ineligible for another mortgage. 
I am hoping you can help me. This all seems unfair to my family and myself. 
Listed below is my contact information. I have also attached scanned copies of documents I have saved over the years. I do have more if you need them. 

I look forward to hearing from you. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA. XXXX ( XXXX ) XXXX