SPS COMPLAINT:
Submitted: November
2014
Reported By: Silverstar165 in Spring City, TN
Report Link: CLICK HERE
My son's father passed away last year. My
son became ex-acuter of the estate. SPS has given him a list of late
charges but can not explane what all the late charges are for. They say
that some are for unpaid taxes and insurance and some are late payment charges.
However, they can not tell us how much is for what, and when. Also,
several years before the estate owner passed so did the estate owner's wife.
Shortly after her death he filed for the government loan modification
program to help get back on track and lower his mortgage payment so it would be
managable with less income. After many attempts and many faxed documents
of the same things over and over and a change of "relationship
managers" three times he was eventurally denied after 10 months. I
know this because I was the person doing all the financial work for him during
that time and I am also the mother of his son. I was his first wife. Now
my son gets calls from SPS on a daily basis about late charges that are not
acuratly or clearly explaned and when my son questions them they become
defensive stating they are recording the conversatons. My son has replied
that he also is recording the conversation but they hang up on him and call
back on another day. They harrass and will never give the same answer
twice nor, does my son speak with the same person twice. I know for a
fact that all the taxes and insurances were paid while I was living here, and have
documentation to prove this. I have even sent them proof of this.
Nothing seems to work with these people. They make up bogus charges
and harress us for payment beleiving we fear all the forclosure notes they send
will force us to pay faster. We are sick of their bulling tactics.
We want to join a class action suit against them. We beleive they
have bogus charges that have been going on for the years they have owned the
loan.
END
CONSULTING ADVICE:
We routinely look for posts to answer in hopes
that it will not only bring optimism to those homeowners and borrowers in
distress but also some basic information to assist in fighting the banks that
are "too big to fail" but yet don't appreciate the bailout that we
provided in their time of need. The debt collectors like SPS, SLS, Green
Tree, Ocwen and Nationstar are simply just piranhas but they can be beat at
their own game too just like the big banks can be defeated. You CAN win
this fight!!!
It pains me that you have fallen victim to the
illegal, unfair, deceptive and abusive acts and practices of Select Portfolio
Servicing (SPS) but I also commend you for seeking help; too often homeowners
do not fight for their consumer and constitutional rights!
With that said, you have overlooked a key aspect
to your fight, which is putting your objections in writing in the form of a
proper QWR
and attaching proof of your consumer and Constitutional rights; they have
certainly been violated in this case. All of the
aforementioned mortgage lending and debt collection companies MUST answer your
Qualified Written Requests (QWR) and if they refuse to then you take your fight
to all the regulatory agencies outside of SPS that assist in fighting for your
rights like the CFPB; it’s a shame that these more than profitable and
previously bailed-out companies engage in this type of consumer abuse.
We would be more than happy to educate you as to
how to fight for your rights. My firm
routinely seeks out complaints online so that we can educate as to how to fight
back on our weekday show called "The Daily Complaint"
where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show if you
would like to listen, click here or
visit The DailyComplaint.com
You can learn more by visiting the CFPB's website
and becoming educating about the rights afforded you under the FDCPA, Dodd-Frank
and RESPA via the CFPB – click here. Here’s also some additional
information on “mortgage servicing” since it appears you have very valid
complaints with regard to the servicing of the mortgage – click here
In the event you have further questions, you can
contact END Consulting and me directly as I would be more than happy to contact
SPS on your behalf to determine the status of your foreclosure situation!
I would be happy to elaborate for anyone reading
this as we always offer free consultation until we can determine if we can
assist you to include contacting the bank and/or servicer for you for free to
uncover the options that exist for you in this situation. You can reach me via email or via the web. I have had the pleasure
of educating thousands of consumers on their rights and how to assert them to
get what they want...my firm is exceptional at what we do!
Every new beginning comes from some other
beginning's END
Respectfully,
Dana Shafman
Managing Member
END Consulting
(888) 234-7006 Ext 101
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