My wife and I split up. She asked me to quick deed her the home so she could get mortgage help. I did. I later filed Chapter 7, which included the Bank of America Loan.

I received a modification package which was sent to my ex wife house but my son saw may name and gave it to me.

I called SPS to let them know I was not signing loan papers and if they got some they were forged.

I emailed the person who was handling the loan and told him the same.

I give received my payment book. Can you believe this?

I am going to the Feds

My lender just had my loan with Springleaf Financial transferred to Springleaf Mortgage and then within a month it was transferred to Select Portfolio Servicing, Inc. They tried to tell me that according to my loan my principal portion of my $1,026.40 was $3.05 and the rest went to interest. I called them immediately and got some young girl who was trying to tell me how my loan was structured and I told her that she was wrong, giving her the gest of the loan agreement. She put me on hold for several minutes and then came back with I was right and a new statement reflecting the correct interest/principal would be sent to me. They also told me initially when I made my house payment by phone (they have no way to pay it on line) that I owed $15.00 more each month for "Charges/Fees". They also said I owed an additional $45 and when I asked what that was for, she just gave me a lot of mumbo jumbo and said I really didn't have to pay it at that time. That's when I went on line to see if there were any other complaints about this company and was horrified at the hundreds of stories which far exceeded the scam they were trying with me. I am retired and frightened by some of the stories where people had their homes sold out from under them without any notice of any kind. Why aren't they being attacked by the powers that be.

My loan was transferred by Bank Of America to Select Portfolio Servicing in August 2012. I had been working on a modification for over 5 years with BofA and was one payment behind with them. Select took over and immediately told me I was three payments behind. I sent them proof but they insisted on another modification. I went ahead and they continued to show me from 90 days in arrears up to 120 in arrears. I sent their legal department proof of all my payments and factually made them aware I wasn't behind over 30 days. After over one year Bank Of America finally sent them the two payments I had told them about. SPS finally finished my modification and did apply the two payments but have never changed the credit bureau to be factual. Many phone calls and letters failed to help. Have just recently sent letters to Switzerland to the owners of SPS to get this straightened out. Letters to Matt Hollingsworth, CEO of SPS went totally unanswered. They are among a list of 4th rate organizations that you should stay away from. This poor reporting on the bureaus are a direct violation of the Fair Credit Reporting Act but they could care less.

I received assistance to get my mortgage current. I am trying to find out now why BOB doesn't know why RALPH {not correct names} has no idea what's going on with my loan. It is current however they{select portfolio} state that I am still behind by 1 month???????????? They also keep charging my account a late fee and if you did not know they check to see if the house is still there on the property standing. Whoops another fee. HOW CAN U B CURRENT TO SELECT IF THEY REFUSES TO B HONEST? They are NOT

I JUST satisfied my lien with SPS. It was a long trying process but I picked up my SATS docs (lien satisfaction) today at my county courthouse. A few months ago I got a call/ call back from SPS and the rep explained the short pay process. It's kind of like a short sale but I'm the only bidder. I offered somewhere around 10% of the remaining balance. I wrote up an offer with all the right info in it, a hardship letter, a short list of flood damage to the property (to prove it could never be sold full price- as is, ) and an explanation of how I was going to get the money. At this point I was significantly behind (actually farther behind then the 10% I offered.) Originally my offer included 60 days to get the money and wire it to them, but the accelerated the time frame to 28 from the day they agreed- giving me slightly less time. Getting a few grand together in 20 some odd days was TOUGH but I did it. Mine was timed around a tax refund. I just went to court house this afternoon and explained it all to the Recorder of Deeds and she got a very big smile and said 'Well it's done now Baby.' When I asked about loop holes and scams and 30 years from now and what not she simply said "It's recorded. It's done."
Yeah, it's done.