Consumer complaint received 2016-08-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (NV)

Lets start from the beginning : I had a loan with XXXX XXXX XXXX, the economy started to slip and of course, as an XXXX, the business climate starting going south very fast. I worked my self to death to save the down payment for the house and found that all other resources were starting to dry up for me. 
I fought very hard to get a remediation on the price for the house that I owned and had to pay a lot for the water damage that happened as a results of the plastic piping that they had put in to carry water in and out of the house. I had taken a vacation of sorts, my mission to go down to XXXX and got an email that the piping in the toilet up stairs had broken and the house down stairs was flooded. I could n't do much from XXXX XXXX miles away. Plus, I had had XXXX insurance policies with XXXX to cover my trip which was very expensive but so necessary for I was doing XXXX 's work with investigating the homeless, unwanted, many children who lived on the streets of many towns and who did n't have any means of support from their parents or the state cultures of their countries. 
I did have insurance but was lead to believe that I had decent insurance with nation wide, only to find out that they did n't cover all the damage that was done and so I had to drain my bank account to make up for all that needed to be done. 
I did get the remediation and was progressing but the economy continued to slide down and my work was not bringing in enough money for all my needs. I, realized that I need another stream of income and decided to apply to XXXX, here in XXXX XXXX. I started at the end of XXXX of XXXX and did n't get totally approved and licensed until XXXX of XXXX. It was a long time and very time consuming and lots of video classes and instructions and testing. I made it through their system and was awarded my XXXX, good for three years. But, in the meantime, I started getting behind with my payments due to the very slow economy and lack of available jobs in XXXX XXXX. 
I started getting my social security payments and was able to send in payments to Selene Financial. They keep the cashier checks and refused to cash them. I also ended up sending them a personal check for above the amount that they asked for and they sent it back to me. 
Now, the first company was XXXX, and then they sent or sold my paper work over to Selene Financial then, XXXX XXXX pasted notices on my door for neighbors to see and who had a bunch of gangster types to call me and threaten me. I have to tell you that I grew up in XXXX, and lived around gangsters and tough people who were not always very nice. I chose not to deal with those types of people and now they have a nice lady named XXXX, who deals with me. I grew up, not downtown with bullies and gangsters but up town with the working people. I did n't appreciate being threatened. I am a nice person and never got in trouble very. Plus, I have XXXX and do not need to be pushed into having a XXXX XXXX or a XXXX due to the attacks on me for my house. I paid them what they asked and I did n't think that I owed them that much and they still played their game and wanted XXXX more money and tired to intimidate me to pay above and beyond, including late fees. I am sick and tired of this sort of actions that these people have done. They do n't have any compassion and I work so hard to pay them what they had asked for. 
I am determined to stay in my house and to fight for my rights as a single XXXX XXXX XXXX, minority XXXX male who has always tried to do the correct things in life. I need help with this for I feel that they will send in SWAT and kill me. I am very upset with all this and hope that you can help me. Hoping that the system can work fairly for me.