Consumer complaint received 2019-05-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My name is XXXX XXXX. The hardship started in XX/XX/XXXX when I was working for the XXXX XXXX XXXX XXXX in XXXX. I injured my XXXX on 6 separate occasions from XX/XX/XXXX to XX/XX/XXXX. My attorney advised me to apply for social security disability. In XX/XX/XXXX I received a fully favorable judgement. Now, my earning potential is almost XXXX due to my limitations. I believe I was forced out of my job with the XXXX. 
In XX/XX/XXXX I applied for a loan modification with XXXX XXXX XXXX, who held both the 1st and the 2nd ( HELOC ). In XX/XX/XXXX I was approved for a modification for the first. My specialist at XXXX XXXX XXXX was XXXX XXXX XXXX. I was constantly calling her and asking to modify the HELOC. She repeatedly told me that they were working on it. XXXX XXXX XXXX still serviced the HELOC until XX/XX/XXXX. Ms. XXXX called me and said that the HELOC had been discharged and eliminated and that I did not have to pay it or worry about it but to keep my 1st in good standing. The last payment I made on the HELOC was in XX/XX/XXXX. 
In XX/XX/XXXXI applied for Keep Your Home California " principal reduction '' program. I was approved and KYHC paid {$43000.00} to XXXX XXXX XXXX to lower the principal. This caused a second modification. 
Everything was going great until the end of XX/XX/XXXX. I received a recorded Notice of Default and Election To Sell via USPS from Specialized Loan Servicing, the new servicer of the HELOC. The Foreclosure Manager at the law firm representing them, Mr. XXXX XXXX, called me around that time to ask, " Why has this taken 20 years and why are they doing this now? '' I replied, " I don't know. '' After receving the NOD from SLS I called them and asked that same question. I told them that XXXX XXXX XXXX told me this was discharged. They told me that the HELOC was sold to investors. XXXX at SLS asked me if I wanted to offer a " short payoff. '' I was scared and told her that I did. She said she would be mailing me an application and directed me to fill it out and to write an " offer letter ''. 
On XX/XX/XXXX I received the application from SLS. I filled it out, wrote the offer letter and faxed it at XXXX XXXX XXXX on XX/XX/XXXX. I called the office and a recorded message confirmed receipt of the application and documents on XX/XX/XXXX. 
I have been working very hard trying to find out what exactly happened with the HELOC account. I have called XXXX XXXX XXXX numerous times regarding this. Finally, on XX/XX/XXXX I called and spoke with a supervisor at XXXX XXXX XXXX, XXXX XXXX who told me he would send me copies of transcripts regarding the history of the HELOC from XX/XX/XXXXthrough XX/XX/XXXX. I am still waiting. Two other XXXX XXXX XXXX supervisors are looking into this and agreed to send me the history of the HELOC. I have not received anything yet. I have called the HUD hotline and was told that since the HELOC is a 2nd, they can not help ( they only help people with first mortgages. XXXX has that same policy. Legal Aid will not get involved. Senior advocacy does not have the expertise to help. 
What's odd about this HELOC is that it does not show up on any of the 3 credit reporting agencies. My credit is : XXXX, XXXX and XXXX. I COULD qualify for a refinance, in order to pay SLS the {$40000.00} they say I owe. 
What is stopping any and all lenders from working with me is the recorded Notice of Default. I have sent Specialized Loan Servicing 29 emails to date and they have responded to Zero. I have left at least 4 messages ( in XX/XX/XXXX ) for my SPOC,  XXXX, and am still waiting for him to call. 
XXXX XXXX XXXX, at this point, is not taking responsibility for telling me that the HELOC was discharged and paid off. They will admit that they discharged the HELOC in XX/XX/XXXX but they want to wash their hands of it. My 1st with XXXX XXXX XXXX  is in good standing, never late and no payments missed. ( There is an error with 7 of my payments when they received the $ XXXX payment in XX/XX/XXXXfrom KYHC ) I know I am rambling but sometimes I am able to write more consisely than other times. Sorry for that. 
I will try to wrap up this tangled web. I want to do the right thing. I made a {$20000.00} offer to SLS 3 weeks ago via email. I have not spoken with my SPOC in nearly a month. He will not return my emails or my calls. 
I do not want to lose my childhood home, which my father and his brothers built in XX/XX/XXXX. I live alone and don't have anyone. I can only depend on myself. I want to resolve this issue. In order to resolve an issues there are usually at least two parties. I have been trying to communicate with Specialized Loan Servicng for a month and have not heard anything from them. It's almost as if they are purposely avoiding me so that they can " swoop in '' and take my home. And I don't want that to happen. 
So, I am sitting here making phone calls to XXXX XXXX XXXX, XXXX XXXX, XXXX, HUD, Senior Advocacy, Legal Aid, Real Estate Attorneys, Bankruptcy Attorneys and the office of XXXX XXXX. I even left messages on the local television networks facebook pages. 
I also sent a letter to Mr. XXXX XXXX, CEO of XXXX XXXX XXXX in XXXX, NC. 
On XX/XX/XXXX and on XX/XX/XXXX, I met with attorney XXXX XXXX, in XXXX. I paid the {$500.00} to retain him. A few days later he sent me an email which read, " I don't have the time or the patience to deal with lenders '' and referred me to XXXX XXXX, a different attorney in his office. I met with Mr. XXXX on XX/XX/XXXX, after paying {$2000.00}. That day, he told me that it would take " thousands of dollars '' to take this case and didn't want it. I got a {$2000.00} credit on my card for that. 
I am asking that Specialized Loan Servicing, LLC, RESCIND the Notice of Default. That would allow me to get my home refinanced AND pay them the $ XXXX they say I owe. I have met with 5 attorneys so far and each one said that rescinding a Notice of Default is " done all the time. '' I can see why Specialized Loan Servicing, LLC, only has 1 out of 5 stars. They are HORRIBLE at communicating. They just don't do it. 
Being in pre-foreclosure or foreclosure is one of the worst feelings in the world. SLS should be returning phone calls and emails. I THINK they are just sitting back and doing nothing because they DON'T want to negotiate, they just want to take my home. 
On XX/XX/XXXX, I called SLS and left XXXX a message. I called back and dialed " 2 '' to speak to the next available rep. Her name was XXXX. I asked about the offer letter I sent. She said, " I can see that your offer was never even presented to the investors. '' That should never happen. Who's to say that the investors would not have " accepted '' my offer? I called the attorneys representing SLS and XXXX XXXX XXXX, XXXX, who if the foreclosing company. XXXX XXXX XXXX, XXXX, is a fairly new company that started in XX/XX/XXXX and is listed as a " foreign '' LLC, based out of florida. I believe that only have one office in California. 
Two weeks ago, when I was speaking with a man at SLS, I asked, why are you foreclosing 10 years after I made my last payment? '' His reply was, " We see that your home has enough equity to pay off the first, pay ourselves and then have money left over so THAT'S why we are doing this now. '' ( I can find his name in my file, but can't remember it right now and don't want to get " timed out '' like I did yesterday. ) I called your office yesterday and spoke with XXXX, who was very patient and helpful. I don't know how to scan supporting docs right now and your website says that they will not be accepted later. But, he cleared that up. So, I will be sending you many documents to support this claim next week. 
The bottom line is this : I DO NOT want to lose my home. I am dong everything I can think of to communicate with the company who is trying to foreclose. They are not communicating with me. I will happily pay the $ XXXX that is written on the recorded NOD. HOWEVER, in order for me to be approved for any loan, the NOD MUST be rescinded. When that is accomplished, everybody wins. It's not that difficult to figure out. 
I am sorry this letter is all over the place but for the past 2 months I have been eating, thinking and sleeping this horrible situation. 
I hope you can give me some solid advice on what to do next. 
Thank you for taking the hour to read this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX