Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

I started trying to work with Seterus about a year ago. Since then I have made multiple efforts to work with them on saving my home. I was preapproved for a trial and modification back in XXXX. As you will see in the attached explanation letter, I have done everything that I was supposed to do to ensure the successful completion of said modification trial. Due to Seterus 's inefficiency and unprofessionalism, I have been through months of stress, aggravation, and financial loss. I have lost sleep, wages, and several days of healthy living. I have even lost money to a scam company promising to help me fight for my modification. A week after I paid their fee which I was told would not be drafted, they disappeared. With my money. I only paid that money because I was terrified at the fact that Seterus had gone XXXX days without returning one of my XXXX or more telephone calls. One of the items not shown in the letter is that Seterus finally got in touch with me and said that there was a miscommunication to me about my modification that caused all of this. They mentioned me possibly making XXXX more payments and they would consider, I say again, consider, a modification. I do not see how this is a solution. I have begged and scrounged but I can not come up with {$4100.00} all at XXXX time. As an even bigger slap in the face, I was told that if I could not comply with this idea of a solution, I would be in noncompliance which coming from them is a terrible disrespecting insult. They said that if I were what they deemed noncompliant with their suggested and hypothetical terms, I would be subsequently denied and have to start allover again. I am wondering how it is that this whole thing can be started by their error and ended with me being the allegedly noncompliant party...? Particularly, and ironically, because of the expenses I have incurred as a direct result of this blatant and unacceptable lack of efficiency and respect for this process. As I stated in my letter I just want a chance to start this trial the way it was meant to be. Had it been done properly, I could have made XXXX payment per month but that ship has sailed this time around. I believe that I am not asking anywhere close to too much for Seterus to activate a new trial, let me make payments each month for three months, and once the trial is successfully completed, let me sign permanent modification documents and begin making regular permanent monthly payments. I have spoken to XXXX at length and they have assured me that Seterus as a servicer is well within their own allowed actions if they were to so choose to let me reinstate this trial and start it fresh. I really need someone 's help and I am begging for a chance to do again what I have already done because the truth here is that I am not the XXXX that messed up. It was Seterus. If they can not offer me another trial, I would like for them to make my modification permanent starting from now and not backdating to force me to make {$4000.00} in payments which I could have made successfully had it not been for the absolute turmoil and treachery they have brought on my home, personal, and professional life. These repercussions are felt morning noon and night by me, my husband, and my XXXX son