Consumer complaint received 2015-05-20
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (PA)

In late XX/XX/XXXX, I had financial difficulties because prior to that my wife was n't fully covered for XXXX, because she was n't old enough for medicare. She had an accident and XXXX. XXXX XXXX at the time had my mortgage. XXXX informed me not to pay the mortgage as they ( XXXX ) were working on a loan modification. I had sent them everything that they required from me. This was a VA mortgage. 
I found out that XXXX sold the mortgage to Selene Finance and that Selene is the sister company of XXXX. Selene Finance contacted me and also stated to me not to pay the mortgage as they were working on a loan modification as well. 
I gave them the same information that XXXX had wanted. Later, I received a letter back in XX/XX/XXXX that Selene wanted me to do a Short Sale with a forbearance program. This was a shock to me and my wife for we never saw this coming for they were supposed to be helping me to obtain a loan modification. I was very upset and felt betrayed and used by the bank. Why did n't they tell us to put our house on the market in the first place? I then contacted realtor from XXXX, SC. a XXXX XXXX from XXXX. She had listed our home for {$300000.00} then dropped it to {$270000.00}. After appraisal came in at {$290000.00}. The apprasier told us he worked for the Bank ( Selene Finance ) and that the VA sent paper work to the bank for this appraisal. The appraiser stated that all the additions and ugrades did not count at all, ie : morning room, sunroom, extended family room, porch, XXXX car gargage, enlarged master-suite and bath, all the wood flooring throughout the house etc. We were upset at that because that was a large part of the purchase price for the home. Appraiser said our house was beautiful and turn key ready for anyone that wants to buy. He also asked, " Why would XXXX like you want a house this big ''. You should get a small house. 
Meanwhile, another realtor, XXXX XXXX XXXX brought by parents of a client that was coming back from XXXX to the USA and were looking for a home. They, the clients put in an offer to purchase our home but our realtor ( XXXX XXXX ) never presented the offer to us, instead we found out that she put in a counter offer asking the clients to pay $ XXXX more for closing, but was actually trying to get money for her Lawyer. XXXX informed us of this action with XXXX XXXX XXXX. The buyers walked. 
I fired XXXX XXXX, our realtor from being our agent and informed the Bank ( Selene Finance, XXXX XXXX ) and she was upset at me for firing her. I had called her Lawyer ( XXXX XXXX from XXXX NC ) XXXX XXXX informed me that he only works for the buyer and seller and never asks for money for closing or from the realtor, his fees are paid through the bank in a short sale. 
The bottom line is when we hired another realtor XXXX XXXX told the realtor what the bank needed and XXXX ( new realtor ) tried to work with her but she kept changing the price. At the last minute we had a buyer fir $ XXXX and XXXX XXXX told XXXX the VA wanted more money. XXXX asked me if I had XXXX, I said no. I also called VA they told me they never ask for money. The bank told me they were going to foreclose on XX/XX/XXXX, MY wifes birthday. But the Bank never gave me a letter of the date. The buyer walked away then bought the hose in forecloser. I called the XXXX in XXXX and the Head of it told me that the Bank, Realtor and buyer was in a XXXX as it is a criminal offense.I sent all this info and more to the Attorney General Office in SC, and so far I have not had a call back on it, Selene as I had found out later through blogs have done this to most everyone. They to me stole our house and I hope no one else falls pray to their scams.