Specialized Loan Servicing [SLS] review: how the sls scam works 63

This is in reference to dank598, don’t feel too bad, my complaint is longer than yours. My problems were initiated by BANK OF AMERICA! After Irma hit South Fl., the gov’t (lol) was offering loan assistance and allowing monthly payments to be “DEFERRED”, in my case for 3 mths. The kid that helped me was NOT a loan officer, which means they are not to touch anyones mortgage. Turns out, he filed my paperwork, as a “FORBEARANCE”. The difference is, I found out later, is a forbearance, is the beginning of FORECLOSURE! My Credit was trashed! Always in the high 70’s, usually a score of 76-79. Now 63. $5000.00 in attorneys fees, just to repair my credit, which took over 2 yrs. Now, this is BANK OF AMERICA, which I think is the biggest scammers! After finally voiding my orig. HAMP, or whatever Obama, called it. This they, also we’re not supposed to do. BREACH OF CONTRACT. Now I entered a mortgage DEFERRAL, which it should of been in the fist place. Finally got locked into that, with graduating interest rate, capping out at 4.5%, contrary to the second breech of contract! BANK OF AMERICA hated me, cause I filed a complaint, and local branch refused to help, saying they have sent my case to ESCALATING DEPT., which I found out doesn’t exist. That was there way of keeping me at bay. THEN, 2MONTHS LATER, SOLD/TRANSFERRED, MY MORTGAGE TO SLS. That’s about the shortest version I could do! B.O.A. Then we turn to your complaint, and I swear, it’s almost verbatim of what happened to me! My Escrow goes up over $1000.00 every year. They claim it’s due to Taxes, fees, interest rates, property insurance, etc. That’s all B.S. I did the math, can’t figure out how they did it, AGAIN. Same last year. All those “Rising costs” don’t add up even close to $1000.00 a yr. Tired of fighting! M.D.1340

I don't perceive why the federal permits this company to still victimize laborious operating honest Yankee and not do something concerning it.
Maybe we should always all kind a coalition and go the WHITE HOUSE and protest this company. it would be that the federal don't have info concerning this company business practices. Please begin a petition to examine what percentage others square measure hunting an equivalent issue. From the petition, we are able to get folks along to travel to the white house. they're taking what belongs to kids|our youngsters|our kids} and giving it to their children
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I filed a Motion in federal bankruptcy court for Motions and Sanctions against these people and Wells. It will be before the Judge for the third and hopefully the last time on May 8, 2019. Wish me luck.

I have been fighting with SLS for over a year now with very poor results. They avoid answering questions dealing with our account. Instead of lowering the amount owed, it keeps climbing on and on. They hire a company to do our escrow collection and payment and paid them over 900 that was taken from our account. Need help, but do not where to go to find it without worrying about having my money taken. I feel there is no justice for retirees like us and all we keep doing is paying and paying. The way they handle our account, our home will never be paid. Any suggestions? My husband and I have paid every month without any delays. There has to be an answer to this Thanks and God bless

Another person here that had a loan sold by BOA to this company. Ours was a second that was sold. We were lucky; we were getting out from under SLS by re-financing and paying off the SLS loan. I had our payment to SLS set up as an Autopay deducted from our checking account. I called and cancelled the payment as the re-fi would go through and pay off the loan before the payment was due. They didn't cancel the payment and deducted the amount from our account anyway, and since we had already signed all the re-fi paperwork, they also got the full payoff amount as well. We STILL cannot get our money back from them that they owe us. They keep telling us what "the law" allows them; legally, how long they can sit on our money that they know is our money, even though our loan has been paid in full and they took a payment from our checking account they had no right to take. They flat out stole from us and will not give us our money back. These people are nothing but crooks.

Hello...I rarely write reviews or comments but I could not resist! This company needs to be investigated! They SAY things on the phone that they REFUSE to put into writing...RED FLAG! They absolutely are predators.They "offer' modification agreements that they put into action BEFORE a client agrees to any of it. They attempted to change my 20 year note to a 40 YEAR NOTE telling me how much money I "might" save per month. So they wanted me not to stop them from adding 20 years unto my mortgage term with NO SOLID TERMS OR AGREED PAYMENT REDUCTION AMOUNT in writing on their pat prior. That is CRAZY! Its like a game show..."Can you guess what is behind door number one"?! I asked them how they are allowed to operate legally like this, naturally they had no answer. ADVICE: Do not hesitate to write letters to the Department of Community Affairs...Call and write in letters of complaint to both Fannie Mae and Freddie Mac and also the Department of Banking and Insurance(although this agency does not deal with individuals, only corporate, they will indeed forward it to the correct agency). Also, contact the Better Business Bureau of Little, Co.and file a formal complaint IN WRITING. Kick them where it count, in their pocket...eventually they WILL be audited and investigated...Its only a matter of time...Do not buy into their modification SCAMS...BEWARE. Its better to e a few months late on your mortgage than to allow them to have you sign an unethical "agreement". They cannot do anything until you are at least 4 mos. in arrears. If you are more than than, call your state government and see what they will offer(Hamp programs etc). Good Luck and don't let them bully you...as soon as you have your complaints in writing and in order, they will change their tune.

Synopsis of what accrued with SLS and Bank of America
I bought the House in January 2007 with an interest only mortgage with the intension of refinancing after the two years to a 30 year mortgage. Due to the financial crises I was not able to do so I hired an attorney to modify the loan because at this time the house was worth half of what purchased it for ($515, 000).
The attorney advised me to stop making payments on the mortgage because that would be the only way to get a loan modification. I tried to modify the loan 3 times because it was impossible because the bank kept switching personnel and banks altogether.
In 2014 I was sent a certified request to appear in court so I did, the representative of the bank was very surprised to see me there. He said “oh you showed up” I said yes I am in the middle of a bank modification. He told me the Bank which had my loan was selling it to another bank and I had to agree. I asked the judge if I had a choice in the matter and he said no, so I agreed.
I told the judge that I was in the middle of a loan modification and by changing banks the process would have to start over again. Judge granted me two month and told the New Bank “Specialized loan Service” to modify my loan within the next two months. Note: Bank of America Transferred the loan to Specialized Loan Servicing (which is not a bank that can modify a loan).
Within those two month SLS requested an incredible amount of paper work including a tenant’s income tax return which I was renting the guest house to. I gave them every piece of paper they requested and more. Every time I called to confirm they received the faxes they would tell me No and to send them again in addition to tell me that it would take them up to four days to receive a fax because they needed to be sorted before the agent would receive it. SLS would not allow me to mail them certified turn receipt of the requested documents.
Several weeks and days prior to the expiration day the Courts had given I called them to ask what stage of the modification I was at. SLS stated my modification was with the underwriters and I really could not speak to any one there. I called again a couple of days before the due date because I had not received anything in writing. SLS stated that due to the work the modification was not completed but they asked the courts for an extension on my case. Two days later after the courts due date a realtor calls to ask me if I would accept $1000 for cash for keys. I told him I was not selling my house and he told me the house was foreclosed and it was purchased by the Bank of America for $180, 000 and he was the assigned by the bank.
Next call was to Christian Posada real estate attorney and contacted SLS, shortly after we were request to appear in court to give back the original documents and release the mortgage owed. This was in June 2014 and I had heard nothing back from them until now. They are requesting a sum of $259, 705.00 within 30 days or they will start foreclosure again and the loan still owes $360, 000.00. Again I retained Christian Posada as my attorney in this matter.
Elsa Cuellar Property address: 12988 61 St N. West Palm Beach, FL 33412 email: elsacuellar63@yahoo.com

Synopsis of what accrued with SLS and Bank of America
I bought the House in January 2007 with an interest only mortgage with the intension of refinancing after the two years to a 30 year mortgage. Due to the financial crises I was not able to do so I hired an attorney to modify the loan because at this time the house was worth half of what purchased it for ($515, 000).
The attorney advised me to stop making payments on the mortgage because that would be the only way to get a loan modification. I tried to modify the loan 3 times because it was impossible because the bank kept switching personnel and banks altogether.
In 2014 I was sent a certified request to appear in court so I did, the representative of the bank was very surprised to see me there. He said “oh you showed up” I said yes I am in the middle of a bank modification. He told me the Bank which had my loan was selling it to another bank and I had to agree. I asked the judge if I had a choice in the matter and he said no, so I agreed.
I told the judge that I was in the middle of a loan modification and by changing banks the process would have to start over again. Judge granted me two month and told the New Bank “Specialized loan Service” to modify my loan within the next two months. Note: Bank of America Transferred the loan to Specialized Loan Servicing (which is not a bank that can modify a loan).
Within those two month SLS requested an incredible amount of paper work including a tenant’s income tax return which I was renting the guest house to. I gave them every piece of paper they requested and more. Every time I called to confirm they received the faxes they would tell me No and to send them again in addition to tell me that it would take them up to four days to receive a fax because they needed to be sorted before the agent would receive it. SLS would not allow me to mail them certified return receipt of the requested documents.
Several weeks and days prior to the expiration day the Courts had given I called them to ask what stage of the modification I was at. SLS stated my modification was with the underwriters and I really could not speak to any one there. I called again a couple of days before the due date because I had not received anything in writing. SLS stated that due to the work the modification was not completed but they asked the courts for an extension on my case. Two days later after the courts due date a realtor calls to ask me if I would accept $1000 for cash for keys. I told him I was not selling my house and he told me the house was foreclosed and it was purchased by the Bank of America for $180, 000 and he was the assigned by the bank.
Next call was to Christian Posada real estate attorney in Florida and contacted SLS, shortly after we were request to appear in court to give back the original documents and release the mortgage owed. This was in June 2014 and I had heard nothing back from them until now. They are requesting a sum of $259, 705.00 within 30 days or they will start foreclosure again and the loan still owes $360, 000.00. Again I retained Christian Posada as my attorney in this matter. I am joining the class action law suit with www.tzlegal.com Elsa Cuellar Property address: 12988 61 St N. West Palm Beach, FL 33412 email: elsacuellar63@yahoo.com

Guaranteed Rate sold my mortgage to this horrible company after seeing they had YEARS of complaints from consumers and I have had noting but problems with them. Like others, I can never log in and see my own account and have spent hours on the phone with their reps. How can they stay in business? Who is there to protect us from unscrupulous companies like this. Once your loan is sold you are stuck unless you spend thousands to re-finance. Can't we do a class-action suit?

I originally got my ten-year heloc from dean witter in 2006. it was sold and ended up with sls. everything went pretty smoothly until the loan matured in nov 2016. I had contacted them before that time, figuring with my 700+ credit score rolling over the heloc would be no problem, even if the interest rate went up a little. wrong. the problem wasn't the foot-dragging, or the math errors (if you give me three tax returns, even I can calculate your income accurately). the problem was the lying and the unethical conduct — and the obvious scamming.
Lie — I was told that as long as the modification process was going on, the loan would not be reported as in default, and my credit score would remain intact. my credit score is now below 600, and I had a credit card canceled because of it.
Unethical conduct — the final modification offer was at a payment level so high I would have had less than $200 of un-spoken-for cash each month. what responsible lender would even consider such a loan? even worse, the modification proposal did not indicate either the duration of the loan or its interest rate. who would agree to such a thing, and what reputable lender would even create such a document? when I called sls to inquire about the (ahem) oversight, I was told I could not know the duration or interest rate until I agreed to the modification. seriously? even the mob tells you how long you have to pay and what the vig is!
The scam — after taking months to come up with their "offer," while surreptitiously destroying my credit score, I was unable to refinance my original mortgage to add the balance of the heloc to it. all alternative financing options are closed to me. I can either pay off the loan, accept the ruinous "modification," or lose my house. fortunately, I have the resources to pay off the heloc, though using them will limit my future income. had I known what would happen, I would have paid off the heloc the day before it matured and used my excellent credit to refinance my original mortgage, then paid myself back the amount of the heloc. now, unless sls repairs my credit rating, it will be at least a year before I can even consider approaching my mortgage co to refinance — and who knows where interest rates will be then?

I think eveyone should get together and band as one lawsuit against this company. Take this to the new president and ask for an investigation from the Attorney General of the United States. Our new President Trump promised to be for the people and by the sounds of the people this is banking fraud.

I am a REALTOR and was hired by SLS to get product ready for sale and then list the property. I hired companies to perform services, paid for services and then submit invoices to SLS for reimbursement. Getting reimbursement isn't uncommon when working with banks and servicers of REO properties. I submitted a number of invoices and were paid for some, however I wasn't submitted for all. I spoke with several people at SLS that saidI was going to get paid, but never was. I kept calling and then they never paid me, so I was $530.00. I even sent a complaint to the BBB in Colorado where they are based, but no help.

We just completed a refinance transaction for an equity line against our free-and-clear home (it was paid off) with Royal United Mortgage...which in and of itself was posing lots of questions as to inaccurate closing disclosure documentation...but we finally closed and they told us we were being transferred to Franklin American Bank before the first payment was due October 1st, 2016. So ok, today we receive a letter on Royal United Mortgage letterhead -- not signed, just typed as from (1) Specialized Loan Servicing (SLS) and (2) Royal United Mortgage, jointly. So I looked up SLS on the internet and holy crap this is what I find -- everyone's homes "serviced" by them going into foreclosure because they are a fraud -- no one's payments were being made against their loans even though the owner's had documentation showing checks had been cashed, etc. So now, here we are one month before our first payment is due and quite frankly I don't think I should make it to SLS until I get an attorney and/or try to refinance through someone else first! I am sick to my stomach. And Royal United Mortgage loan agents Kevin Cregg and Nick Fletcher have some answering to do -- just what kind of shysters are they dealing with or are they themselves? HELP! Sharon Wright-Guswiler

This company should not be allowed to be in business! most of the times when I call they speak in a very demeaning, condescending tone. after my 2nd mortgage changed hands a couple of time it ended up in the hands of sls and within months my second shot up by 1600 dollars a month! I am now paying more for my 2nd than for my first! whenever you call you cannot talk to an agent, the recording always says the same, "your agent is busy and you need to schedule a callback." well after following instructions on a request to file a hardship I am on my fourth day of waiting for a callback. I just received a "secure" email from them telling me documents that I still need to submit, funny, these are the same documents I emailed and faxed them a month ago! and after finally talking to another representative, the most helpful one so far, I emailed them to sls yet today's email said they still need them to process my request. so I called again and, naturally, had to schedule a call back as my agent is busy. meanwhile I am accruing more finance charges thanks to their tactics. this is totally ridiculous and there is no reason this company should be in business as apparently verified by all these other complaints which seem to talk of the same type of mishandling I am experiencing!

Time to file a class action law suit for not providing real unaltered copy of original promissory note and servicing mortgage with broken tile. we are reporting them to the fbi.

Here is our story, the mortgage was turned over to SLS on April 1st 2015, we have yet to see a statement, because my ex-wife who filed for Bankruptcy in 2010, you see since they call themselves a debt collector a statement would be a request to collect a debt and would violate the bankruptcy laws; so no statements at all. I went online and wrote to the White house and I did get a response, they (SLS) did reply and sent a statement of account in which they charge an "Inspection Fee" each month that we were never told about. These are hidden fees which only they know about. Bottom line here is since the banks screwed up the economy and couldn't legally foreclose on all of these homes they are using SLS to do this for them. We as a nation need to come together and form a nation wide class action lawsuit against SLS and the banks that have done this to us. The government won't do anything any attorney firm that would take this case would make a fortune on the settlement that would be a awarded to the homeowners. Let's not let them get away with this. These companies that are "too big to fail", should be forced to fail.

Originally I had a 2nd mortgage loan of my house from flag star. Then I was negotiating modification and somehow they said they dismissed my loan for me 2010. That time I foreclosed all other rental property, so I thought it made sense. And last week, I received statement from flag star bank saying all the loan was transferring from SLS . I still owe original amount from 2010. I haven't paid any monthly payments for 6 years and then came back to me again. I'm complaint this but they are passing around my phone call to other department and never solve this problem. What a a**holes!

I have had a very negative experience with sls. their online system is a big joke. they do not read your messages — just reply with a script. so don;t even bother writing to them.in addition they will do everything to suck extra fees out of you.in my case they have a "late charge" even though they have automatic payments which are processed by them. so how can a payment be late, and if it is late is is due to their processing. they are thieves and should be reported to feds.

S? l. s was nothing but a front for fraud to the home advocate trustees, bank of america, wellss fargo bank and ultimately the dirty handler - nationstar mortgage, llc who took over from s. l. s. crooks. this is nothing but a scam fromthe lendong banks fromthe beginning of time and continue to extort the little guy. there should be an authority who looks into the. fraud prectices been used to kill the lower class!...
I lost my condo and lost my home, my job and all my equity! left homeless and stripped of my dignity.

I

Apparently standard and poor had given sls a high rating. to file a complaint contact this website. it is a government website.
Https://help.consumerfinance.gov/app/mortgage/ask
I believe this is a sleezy disruptable bunch of charlatans. I resent having my mortgage sold to them without notifying us, all we received was a threatening foreclosure notice. we never received a notification fron rpm or sls about the chang and never received a bill from sls until we had our check returned from rpm. this is not a good company to carry your mortgage and if you want to pay by phone they charge a $10 fue for western union. i'm sorry, but this is the 21 century and electonic transferí are easily procesen and the western union nonsense is absurd.

I do not understand why the federal government allows this company to continue to rip off hard working honest American and not do any thing about it.
Maybe we should all form a coalition and go the WHITE HOUSE and protest this company. It might be that the federal do not have information about this company business practices. Please start petition to see how many other are going through the same thing. From the petition we can get people together to go to the white house. They are taking what belongs to our children and giving it to their children

This too is happening to me. every single thing mentioned, from i'm not allowed to know who my real lender is to
Never being able to pay online... they are rude, unhelpful and just a pure scam. my acct. was sold to these freaks during an insurance claim from severe storm and hail damage which required a new roof that took 8 months to get due to
How many homes were damaged and having to deal with the ins. companies, then we're just now dealing with trying to restore the interior damage that was caused. it is required that your "lender" have say in how the ins.co. restores the
Home to its previous condition (which we've always had full replacement cost coverage), which by the way... never ever buy ins. through max mutual aid exchange... a faith based mennonite co. based out of overland park, ks... they too are frauds that sell based off religion, but fight to the death before they will pay out to cover anything, anyway, back to this sickening company called sls. because they refused to tell me who my true lender was that they were supposedly "servicing", nothing is getting done for my home. when my acct. was sold to these freaks from cmc funding co. cmc didn't bother to also transfer the existing ins. claim # details nothing. or so says sls. so therefore, sls said I didn't have an existing ins. claim. I live on disability only, and these people have caused me more stress than you can imagine. and no... I have no money for an attorney, and with my income now... I seriously doubt I could refinance my home again for the 3.5% int. I have now. dear god, please send all of us a team of attorneys willing to take this sls down as a pro-bono case... the president of the u. s. cares about none of us, and neither does this sickening sls. my name is regina c from bonne, terre, mo

I too had a countrywide mortgage that whenever I asked to have a validation of the debt because I was told my case was one from the lawsuit against countrywide. I was sold from countrywide to ameriquest then Bank of America and wanted to know what was going on, They have the house in foreclosure and their lawyers say I have until December to redeem it but they have had me locked out of it since January. I can only go in with some guy who takes pics and then gives me four hours. The lawyer said I should go in and change the locks and call the police if they try changing them again. Problem...police seem to be with SLS and I am not in the mood to be shot as a trespasser of the home I have paid on since 1994...

My mortgage was sold/passed on for at least 6 mortgage companies. not knowing who actually owned my mortgage I stopped making payments forcing them to go to court. my husband defended us on his own and we beat sls mortgage/morgan stanley chase fv-1 in trust for. they paid court costs and voluntarily dismissed and cancelled lis pendens due to not having an original note. they stated it was lost and not retrievable. my property has now dropped to a fair market value of $38, 000 which was originally $123, 000.00 in 2009. we had interested buyers but they refused to work with our realtor. we had to hire an attorney and go to court a second time and they voluntarily dismissed and cancelled the notice of lis pendens and paid my attorney fees. now I have received a 1099c in the amount of $223, 048.00 on property that they noted on the 1099c #7 fair market value as $0.00. we have hired a tax attorney but I am open to any suggestions that might assist us. this is outrageous! will the irs work with us?

My Husband and I received our mortgage thru countrywide who sold it to BAmerica for years We were never late on our mortgage until we were late but paid our property tax which BAmerica used to put our property taxes onto our house payment and also our house insurance my husband got ill and can not work and that high house payment and the fact I'm the only one able to work even though I have connective tissue disorder and it's very hard on me I don't want us to loose our home we tried to get lower payment they denied U.S. And sold it to LLC. We our 2 months behind and sls is thearthening us with foreclosure wanting us to fill out different forms This harassment is only making us sicker we are tired of all the scams

Sls is a lie, a fake and they need to be set on fire! sls has taken my mother's house of 60 years. she trusted sls, they told her that they would help her refinance and instead they left her sitting for 4 years, sucked the equity our of her home and now she is struggling to find a place to live. they ruined her credit and now she cannot even rent an apartment. sls never answers their phones, they do not return calls, they do not respond to emails, and they claim to have never received the hundreds of faxes that my mother sent to them. they led her on to believe that everything was ok….. all along they were sucking the equity out of her home. now she is in default and is left with nothing.

Sls is a joke! they rape you of your home, and your life……. why are they still in business?

My mother pays her bills on time and she has worked everyday of her life. her childhood house was all she had. her health has been compromized from the stress and yet we are told there is nothing that can be done. this is disgusting! and shame on you sls for raping and pillaging the honest, hard working people of their homes and their security……how dear you!

This same thing I've read from all these others . I was one of the few, got a modification after 2 Lawyers and almost foreclose. The latest, last year they said I overpaid them by 500 dollars . Sent in the new amount about a week later they sent me a check for 500 dollars and said "they would not accept less payment than the payment of what they said plus 500 dollars . Sent the correct amount, explained my story to them . I have been trying to get this removed from my credit report since January, sent another fax today with "next is registered letter, If I get no removal off my credit report I will sent all this to the Attorney Generals Office " . Wish me luck as dealing with SLS is like dealing with people from outer space .

I think all the complaint we have against SLS we should get a class action lawsuit started. This company polices are against every law put in place federal government. All of us to gather has power. I will contact the White House if I have too. I am too old for this company to take my home. We have contacted our State Attorney, Consumers Protection and Office of consumers Response consumers financial Protection Bureau to no avail..

Sls was hired by jp morgand to handle the washinton mutual fiasco in 2012. trying to force me to pay $1, 019 in late payments, and reinstatement fees. first all late fees were paid already, so wher reinstatement fees. jp morgan also gave sls cassinos $300. million. looks like money is being laundered. they tried to put me in bamcruptsy.
All the equity, lt. fees, and reinstatement fees went to a 1.2 million dollar property in a different stae, a house that is a complete total loss & envirmental hazard! sls is a fraudulent company. we all need to pull together and file a class action lawsuit and put these people in prison. not to mention... jamie dimon

I did what sls asked in applying for a loan mid. easy. (I mistakenly thought) they sent me loan modification agreement, which stated the approval and the new interest rate and monthly principal. I thought something was up when I was paying, actually a higher interest rate but lower principal spread out over the same number of months. I called to find out if there was a balloon at the end. no, was their answer. I also asked if they could send me an amortization table, which I thought would be commonplace. according to sls, this was impossible for them to do. so I signed the agreement and sent it to them in the ups envelop they provided. I never heard back in writing or phone, so I called them just after the first of the year. my new rate was to take affect january 25. I called and discovered that they had none of my paperwork. the rep talked with a supervisor and said she'd get back to me after they had done "research." I knew from previous experience that they would not call me, so I called them. this time, a named glroia came on, she also spoke with her supervisor, sh said. at first she said that my modification was not approved. I relied impossible, for I have the agreement in front of me where it was approved. she checked again with her supervisor. this time she said that it was not a "first line" mortgage, "which is what the letter orf denial to me would have said. except I never got such a letter. she checked with supervisor again. this time it was"disapproved", she said, because I did not send back a supposed payment with the signed modification agreement. I looked over my agreement with her on the line. nowhere did it say to return funds with the signature. she insisted it was there, and she said it was in a second letter they supposedly sent. I didn't receive this. I asked her to read the section of the letter where this was, but she wouldn't read it back, nor would she, at my request, send me a"duplicate" letter stating I needed to return my signature with a check. long and short: I did not have a loan modification. if someone told me a story like this, i'd be hard pressed to believe him. sls is... what's the word (s)? this is beyond wierd. what do I do now. where or not I ever get a modification, I want them reported to proper authorities who can investigate. ftc? us or colorado attorney general? what agency? if they hurt me by dishonest practices, they've do it with hosts of others and will continue to.

Here is one... Our loan originated with Chase Bank. SLS bought our loan after we declared bankruptcy. SLS charges a western union fee if you pay after 5 days of the due date (so on the 5th of the month). I got in the habit of paying 1/2 my payment on the 1st and half on the 15th. They never charged me the western union fee on the initial payment stating I was on time. Many times they stated my loan was up todate and on time. 5 years after filing bankruptcy a charge suddenly appears. They now say I am late - one and one half payments worth. They won't tell me why. On the phone they tell me to write in, when I write they tell me to call the bankruptcy dept. I got one gal once who looked and said it looks like a bankruptcy fee that belongs in the bankruptcy. Well sorry folks but you can't come after me for that. All I get from these folks is the system says but nobody can tell me why the system says this. They won't look any further, they won't discuss it and they want to foreclose. There is no way to get to even get anybody to discuss it with me who knows anything. I sometimes wonder if they look for loans they can foreclose on. I am tired of the harassment. The only way to fix this is to get my bankruptcy attorney involved - but will that cost more? I have to pay it because they will foreclose if I don't... they give me no option, won't even talk to me. What do I do?

Anyone get anywhere against sls?

I had countrywide that went to bank of america... then sls popped up.
Over and over I jumped hoops for them to get loan mod with obama making home affordable.
Over a year and half later in december 2014 I called for status and... congratulations! your loan mod approved.. pay $2000/month payments! was supposed to be in $800/month area at onset.
We couldn't afford the $1, 800/month already when we tried for government aide. now loan is payment base for mortgage twice what we have/had.
Sls will not send any documents regarding re-finance.

Absolute scam... liars on top of liars.

In houston area waiting for sheriff to come throw me out of old family built home I have owned more than 35 yrs.

They're ###ing ###s.

Sls has force placed an escrow account on my mortgage without any notification. so as I am making my monthly payment, they are applying it to a holding account until I make my next payment (next month) then applying. so far they have reported on my credit for the past 5 months being past due for 60-120 days. I called the "executive" number spoke to another customer service person who says that they cannot help me. I was told I needed to speak to the escrow department but they do not have a contact number. I was told to fax a letter of dispute and someone will contact me. does anyone know a good attorney in the houston area?

I am receiving calls from sls managers regarding consolidating my student loans and they even offered 'debt forgiveness' being someone who does not trust anyone, ever... I told them I would like to look them up and do my research before talking any further about my situation. when they originally called me they rambled off some greeting that included the us department of education. when I asked if they are affiliated with the us department of education they said no. I asked how they got my information or knew about my student loan and they could not provide me with that info. I did ask how the program works and they basically told me I need to provide my bank account information so they can start 'direct debit of my loan payments' they gave my this website to 'research' their company www.slsmanagers.com and I went to the bbb website and they have 2 positive reviews and 2 negative reviews. both negative reviews are in line with what everyone is saying here... they are a scam and they ruined their credit. I will not touch this company with a ten foot pole, I just want to know how they got my information? anyone know? I thought there are privacy laws when it comes to student loans...

The number they called me from is [protected]

On march 25, 2009, aurora loan service, the first lien holder foreclosed on a property I owned. after the foreclosure was completed gmac mortgage the second lien hold sold my second mortgage (original loan amount $14000) to specialized loan service.in july 2010 after several monthly billing statement from specialized loan ser. I contacted aurora loan services to request a copy of the 1099-a that I had received for 2009 & inquire about the second loan. I was inform by aurora loan services to forward a copy of the 1099-a to specialized loan servicing llc as I should no longer be liable for the debit base on the 1099-a because box 4 "fair market value of property" is much more than the box 3 "balance of principal outstanding".in july of 2010 I contacted specialized loan servicing llc customer service department and was told to fax over a copy of my 1099a from aurora loan services and they will look into it. a couple months later I called back and was told that they were unable to reach aurora loan services.
On 02/06/14 I receive a 1098-c from specialized loan servicing for $25462.28. when has purchasing bundle subprime second loan on foreclosure property with outrageous interest rate such as mine (14.250%) became sound responsible loan practice. specialized loan servicing llc should focus less on corporate gain and exercise due diligence prior to purchasing bundle bad loans.
I'm requesting that the 1098-c be reverse and a complete copy of my original loan docs as I will be seeking legal action.

You should request copy of #PSA Pooling and Servicing Agreement for your loan. Find out what fees are being paid to #SpecialServicer to "service" your loan. That is available on #SEC Web site. Every action, most at least, has #motivation You need to understand what is in it for others. #rmbs #cmbs @WesFewSC