They also call me 3-4 times a week, at all hours. Select portfolio is scum! When I told them to call AHL and figure it out I was told Thats not our job sir. My mortgage was owned by Flagstar Bank, who sold the loan to a company called ABS REO Trust III, a Delaware company. People; Product; Insights; Search . My original loan was for $75,000 now they want a $140,000 payoff SOMEONE HELP!!!!! There is so much fraud that no one can help me! Once there, you will be able to search a broad database of specialized attorneys in your area that you may consult. They steal homes. I told my daughter that they werent going to help us and they havent! The Judge overseeing this case is Micaela Alvarez. Our mortgage is underwater, which means we owe more than the house is worth. also brought charges of money laundering against H.S.B.C. My house is paid off twice now because of this Fraudulent Company and I am going through the correct channels for the Federal Government to shut this unrated , nonexistent BBB company . But Bank of America still provided the funds according to my lender place insurance and got my home fixed back up. If anyone can help, please contact me at lynn_sousa@yahoo.com. Second, the FDCPA requires a notice of debt to contain certain information for the debtor, and be mailed to the debtor within five days of first contacting the debtor about the debt. A year later I have not received the replacement check for the one sent in. Ive tried so many times with this company and all they have done is lied to me !!! They say I owe over 250,000 on a home I purchases 15 yrs ago for 120,000. What else can I do. Predators .. Looks like the only recourse is Bankruptcy to stop the foreclosure and then after youb have tried them they send you a letter saying the foreclosure has been postponed. Dentons Offices Select Portfolio Servicing Inc. - SCOTUSblog Rose v. Select Portfolio Servicing Inc. Who, between December 30, 2018 and the pendency of this class action, Received correspondence from Select Portfolio Servicing that is the same or substantially similar to the mortgage statement at issue in this case, For the purposes of collecting on a consumer debt. Im interested in joining you on the lawsuit. I had a extremely bad fall with a serious injury. According to the Mortgage Bankers Associati. settlement administrator or your attorney for any updates regarding they take my payment and double it for one year and leave me with a large balloon to pay in 12 months that is about 200kthats there idea of a plan to fail. We are trying to do a Modification and they keep saying they are not getting the right paperwork. SPS bonus for liars, cheaters and thieves? Free and open company data on Puerto Rico company SELECT PORTFOLIO SERVICING, INC (company number 10188-112), c/o RVM Professional Services, LLC A4 Reparto Mendoza Humacao, PR 00791 I wish someone would stop them. 6. Select Portfolio Servicing has resolved 9 complaints. Then after that was submitted and then denied. Recently we were on a payment plan for our taxes 1/2 Miv and 1/2 June. Ct. Travis County, Tex. I have been trying to sell the house in a Short Sale. By interference and intrusion, acts of omission and misrepresentation They demoralized our Courts and Judges, they defy our Constitution. Bank of America - cut 50 jobs at Legacy Asset Servicing unit in Fort Worth, TX. I had an adjustable mortgage and two years my interest went up so I was referred to an attorney through someone that I know. The organization has also helped her consider strategies for dealing with her mortgage servicer, Select Portfolio Servicing. Last months check hasnt cleared yet, so I suspect SPS is up to something. im gettting a lawyer. Defendant (s) Select Portfolio Servicing Law (s) Real Estate Settlement Procedures Act State (s) New to ClassAction.org? And its impossible to get the right help .just for the record select profolio was change from fair banks because of mismanaging mortgages but it seen they never stop what there so good at ripping us off i was apart of the Fairbanks class action lawsuit and it did not matter because they still use unfair debt practices. ( outside the United States). Managed a team of 12 staff and was responsible for recruitment, training, performance, supervision and quarterly reviews. When they took over from Accredited Home Lenders my payments went up $362 a month without any reason given to me. Select Portfolio has to be the WORST mortgage company ever, Ive been with them for 12 years and only $1200 has gone to principal, in my opinion they are a predator company, looking for gain on the less fortunate. You can not pay them on line as I did with my Bank before. select_portfolio_svcg_fdcpa_complaint.pdf, Attempt to Collect Debt Discharged in Bankruptcy. Did you receive a Loan Modification Agreement for you to sign, that you did not apply for, which stays that you are modifying the LIEN, when you have no idea what that was? I wish to contact this lawyer as well I have SPS and theyre Crooks . Saying I have a negative escrow account of 2000.00 sumin dollars which I dont understand how when my taxes and insurance was threw my mortgage payment. The monthly re-payment plan is 4 xs times the amount of my regular monthly mortgage and is for 12 months. I am dealing with that now. Tip #1 So make your payment via a bank wire and if they say they didnt receive it your federally backed bank lawyer will jump in for you and prove you did make that payment on time. Fill out this form for a FREE and prompt case evaluation. Dec 28 2016. Am facing foreclosure after numerous attempts to get a modification. Please add me. They tell you they can help with the programs they have. We just refinanced our loan to get out of their deceptive actions. Read our Newswire Disclaimer SPS sends me many letters each week telling me I am in default of the loan even though I pay on the 1st of every month, but not the amount that they say I am to pay. NOTHING OR they will be FINED again, and the day after, they will continue to engage in the same pattern of prohibited practices. I would also like to have my name added to this. Statements are regularly sent to homeowners using the letterhead of a designated company who is claimed to be a servicer. This is not the only recent class action lawsuit against Select Portfolio Servicing. Luckily sold house day before sheriff sale and still got threatining calls 6 months after sale, stay away from this company if at all possible, I have had it with sps i seriously recommend that we sue sps into foreclosure, I went and got a lawyer to do A DEED IN LIEU so they can have there ELEPHANT AND ALL THE TRIMMINGS THAT GO WITH IT i am finished with these ass-wipes my original mortgage was 63,400 in 2006 and we are in 2018 and i owe 65,300 how in the hell did this happen can someone tell me, You think thats bad? Lynn, Hello I am in the same boat same story.. I wish we all came get them in order and money back they owe us they the devil I seen in person theyre evil, I need someone to help me with my law suit what all they did to me to much to write about, but they need to be stop. The person represented SPS and the person was driving a car with license plates registered to a truck. Thank you. They dont purchase loans. Was the youngest Manager of four and achieved rapid promotion through the ranks in three years. I dont care if God strikes my home and burns it to the ground. Hello there my name is Raymond and I did get a loan modification from SP servicing,I ask for a interest rate reduction they did not give me that, they gave me a 40 years term I had a 30 year term now its 40 years,they only lower my payment no more than $60 a month, they did this in about 30 days. 4, 2019). Whoever you signed your loan with is still responsible. Plaintiff Jacqueline Fleming took out a mortgage to secure the purchase of a home in April 2005. Learn more about the cookies we use. The firm's many attorneys have a wide range of expertise in all areas of the law. I really cant afford this payment now. Acting as intermediary for the financing of commercial or industrial income-producing real estate by arranging for the transfer of the title, control, and risk of such a real estate project to one or more investors, if the bank holding company and its affiliates do not have an interest in, or participate in managing or developing, a real estate project for which it arranges equity financing, and do not promote or sponsor the development of the property. They paid Junes 1/2 and applied that to our loan and next years taxes to our loan. Very unfair practices. 8. Defendant Select Portfolio Servicing, Inc., the company that serviced Plaintiffs' mortgage loans . This company does not follow any federal consumer laws. I know 5 other people that would gladly join this lawsuit against those CROOKS. Author: New Castle, Delaware. Consumer Protection Laws: TILA, RESPA, TILA and RESPA combined, The ECOA REG. U.S. RMBS Servicers Scrubbing Their Portfolios of Problem Loans. Looking at other comments I dont think they have helped any one. Home Loans, Inc., the Supreme Court held that TILA requires only written notice, and not the filing of an actual lawsuit, within the three-year period for exercising the right of rescission. In some cases, I had met folks who had received letter from SPS not only using the word: Government but the name of a U.S. President in their letters, when soliciting a homeowner to accept HAMP. My loan was transferred to SPS and it is current! If you answer is YES for anyone of the questions, sadly, you were duped, fooled and deceptively mislead. Then they try to foreclose on your home you have been in for years and you try to work with them on different options to no avail. I. 2019. So when I started paying my loan back, I received a letter in the mail 3 months later stating I owed my monthly payment and I am in default 3 months behind. Box 65250, Salt Lake City, UT 84165-0250 Account Payment Attn: Remittance Processing, P.O. Please add me.. They sent people to my home to give us a letter to validate we live here. I was able to catch up last year. i have and im going through to take charge of my house . My house was up for sale, offer was was rescended so I had to continue paying the mortgage. 12 CFR 225.28 List of permissible nonbanking activities. 7. I filled bankruptcy in 2010 (placed my house in the bankruptcy) was discharged in 2011. When you have lost your home, acted in good faith, and lost your sanity, it is when they are fined and you may receive a $100.00 for the GREAT Class Action. Yes!!! Please provide any additional information about your inquiry. For example, Select Portfolio Servicing advises a homeowner seeking loss mitigation options that a single point of contact ("relationship manager") has been assigned to assist with the communications, questions, or status' during the loss mitigation process. Did SPS mail a letter and SPS DID NOT CLEARLY LISTED which document were needed to complete your application for a Loan Modification? I obtained a modification in 2011 due to divorce and in 7 years had 7 servers. Did SPS mailed you a letter or told you over the phone that they had not received the document(s) to complete your application? Setting up a free account with Top Class Actions will allow you to receive instant updates on ANY article that you Follow on our website. All offers were denied. Then they try to foreclose on your home you have been in for years and you try to work with them on different options to no avail. No refince with them or documents signed. Dr.chayobriggs. Whether is a Federal or State Court, SPS had engaged in countless violations: 1. I have submitted countless of documents more than once. It has been one thing after another with SPS. I agree, we have dealt with the company for a couple of years and their goal is to have you lose your home so they can make a profit. Privacy Policy | The case is still moving through the courts and has not yet reached a settlement. I want to get away from this company but they wont allow me to refinance with anyone else. Click Change Settings if you want to tailor the use of your cookies. Think Im caught up and bam! yep faraudulent taxes reported my taxes paid in 2017/2018 wrong when i got my end of year totals.. stole my house right out of ch13 which we completed for 5 yrs and lived off only what we me made cash to save our house and in the end the they screwed us anyway and foreclosed n stole our home.. they need to have the riots take over their buildings and b taught a lesson if our own government wont stop this insanity of wolves!!! Box 65450, Salt Lake City, UT 84165-0450 According to the lawsuit, the plaintiff's U.S. Bank mortgage debt was accelerated in 2009 and began being serviced by SPS in 2013. This company is a disgrace tio have a legal right to do business in the USA. I tried continuously to modify my loan after falling behind. Select Portfolio Servicing As an Attorney Advertising Service Select Portfolio Servicing is one of the leading providers of portfolio servicing. Their lawyers are committed to providing the best legal . This stops any other bank from redoing the loan. The complaint says that it also secured the repayment of a second mortgage loan in the amount of $90,000 issued to [Fleming] to fund the purchase of the Property.. They are still charging me drive-by fees every month. We finally gave up and lost our home. I wrote to them and they havent responded. Sep 23, 2019 - Loan Servicing Representative . Where do I begin? DWF > The Legal 500 Rankings Corporate and commercial > EU and competition Tier 1 DWF has noteworthy experience in advising private sector clients on matters spanning merger contr SPS sluffed this off as so what! If they did, is the information in the 1098 FORM [which includes all the payments you made to SPS in interest and Principle reported to the IRS] correct and accurate? $75,000.00 which, to this date has not been applied to the mortgage. My bank shows the check for this month is pending, so what did SPS do with my check from last month. We went through the same. You may want to consult your own attorney, and should you choose to go that route, we recommend checking out http://www.consumeradvocates.org/find-an-attorney. Every time I would send in the required paperwork I would get either no reply, told the paperwork was incomplete, or I did not qualify for the same modifications they said they could work with me with. History [ edit] Select Portfolio Servicing was created as a Utah company in 1989. Dentons > Los Angeles, United States > Firm Profile. Gavin June 18, 2021 June 20, 2021. Im trying to do a short sale and their stupid bank says the house was worth one thing and I was supposed to get relocation help which they say Im not going to get because if they gave it to me the bank will get less than what they want for the house No one told me anything asking me to send papers and did all instructed so now they are mad because they are stupid ! IM GOING TO DO EVERYTHING LEGALLY IN MY POWER WITH ANY LAWFIRM THAT WILL JOIN ME OR US BECAUSE I SUFFERED AND IM STILL SUFFERING FROM THE AFFECTS OF MY HEALTH DETERIORATING AND I WILL NEVER GET BACK MY HEALTH THAT I LOST BECAUSE OF THE SIGNIFICANT PAIN, MENTAL AND SOCIAL ANGUISH THAT THIS COMPANY CREATED AGAINST ME. My mortgage was jyst sold to SPS , May I jump on the train? PLEASE ADD US, JOSEPH and VENUS WILLIAMS! You must contact the They have no feelings, they mess up your credit so you cant get a loan no where else. So because we have over $100k in equity in our home we believe they were trying to take our home as we find that chase bank is in trouble again. i tried talking to a representative which was no help. They have actually done drive bys to make sure someone lives there. Our mortgage is underwater, which means we owe more than the house is worth. Ballooned our loan from $598 to $1250. Order 6, Plaintiff is provided the Notice of Right to Consent to Proceed Before A U.S. Magistrate Judge. The Select Portfolio Servicing unfair debt collection practices lawsuit alleges that those communications to the Riveras violated the FDCPA in at least two ways. SPS has been blocking every attempt for the short sale to go through. 11:06 AM. According to the complaint, Select Portfolio Servicing has a portfolio of over 33,000 "special servicing" loans totaling around $4.8 billion. I didnt want that, sps counselor said turning over the house would save my credit. SPS tried to make me pay the mortgage payments, even though the house was discharged in bankruptcy. My statements and all my account info at SELECT PORTFOLIO SERVICING, shows the original balance of $86,395.00!! I have been paying my mortgage for around 8 years and have paid only a fraction of what should have been paid. There essentially bleeding the equity out of my home and i am nervous that my only home where i live with my 3 small children will go into foreclosure. If they feel you qualify, they will contact you directly. So please count me in!!! your claim status, claim form or questions about when payments are Select Portfolio Servicing, centers on laws that combine to require entities governed by the Federal Debt Collection Practices Act to charge borrowers a statutory interest-rate applicable in New Jersey when a foreclosure judgment occurs, said Ari Marcus, an attorney for the plaintiff. Our account number if you go to the bank is still connected to Chase Bank. We received a letter from SPS who instructed us to send the mortgage payment to them. According to the complaint, Flemings discharge extinguished her personal liability on the Loan.. I HAVE FILED A COMPLAINT AGAINST THIS FRAUDULENT COMPANY WITH THE US CIVIL RIGHTS DIVISION, US CRIMINAL INVESTIGATION DIVISION AND THE FEDERAL TRADE COMMISSION BECAUSE MY MORTGAGE WAS COMPLETELY PAID OFF IN AUGUST 2018 WHEN I WAS TOLD THAT I HAD TO RETIRE DUE TO MY DISABILITY AND THIS COMPANY CLAIMS THAT THEY OPENED A MORTGAGE LOAN UP ON MY HOUSE IN September 2016 but they lied about because I refinanced my house with Rushmore Loan company on the same day for the exact same amount of money as the truthful mortgage company did . 19-10204 (11th Cir. Debt collection company Select Portfolio Servicing is accused of sending debt collection letters that violate federal law, according to a class action lawsuit. My home burned 3-16-16. 15, 18.) By submitting your comment and contact information, you agree to receive marketing emails from Top Class Actions regarding this and/or similar lawsuits or settlements, and/or to be contacted by an attorney or law firm to discuss the details of your potential case at no charge to you if you qualify. I have asked for assistance und3r federal law and each time they process, approve it, make me go through trial period and then say they did not get a final signature therefore it voids it. PS my email is chayote23@yahoo or hit my facebook. In March 2010, Fleming filed a Chapter 7 bankruptcy. No. This still hasnt stopped them. My husband and I broke up and he left the house and it was in foreclosure I paid all the fees I got sick and I went on that HARP program which they said they forgave $12,000. When I called all I Im so fed up with SPS. Help me before their get started. That Tip #2. Credit Suisse USA and SPS: The U.S. For three years I have been trying to request a modification with them, each time they tell you to send in paperwork. And of course each time they (the banks) are getting paid via their own insurance. Bank of America - cut roughly 100 mortgage jobs in Charlotte. They are prime evil, liars and thieves!! A class action has been brought in the Eastern District of New York against defendant Select Portfolio Servicing, Inc., ("SPS"), a servicing agent for residential mortgage loans, unlawful and deceptive acts, practices and misconduct in connection with the ownership and servicing of residential mortgage loans, including, but not limited to the I about lost it on them. Nearly six years later, in 2016, Fleming filed a Chapter 13 bankruptcy, and then an amended Chapter 13 plan. NOT. No one will help including attorney general, CFBP nor any federal agency. I paid that am out plus have been current in my payments ever since. SMH. Then decided to say that I was not eligible for any form of modification. They never intend to approve my modification. They try to scam you on the loan modifications also. Im now a widow on SSDI and this whole ordeal has caused me so much more stress and fear. My name is Lisa House I too am being used by SPS SERVICING. After you send a pile of paperwork, they start sending you a pile of generic letters stating the same thing. Plaintiff's lawsuit seeks a temporary injunction to stop the foreclosure sale of her property located at 8308 Bridgetown Drive, Austin, Texas 78753 ("Property"). OVERVIEW Plaintiff Jeanie Reese is the conservator for homeowner Leoma Musil. NOT. This field is for validation purposes and should be left unchanged. Did they ask you the same more than once? My daughter passed away and left everything to me in her will. We have been here 20 years and we do not want to lose our home, but we are between a rock and a hard place. My name is James Ray Maree, I live at 3121 University Drive Lancaster South Carolina 29720 und Im not hard to find . I believe that SPS wishes to foreclose on the house, instead of allowing for the agreed to Short Sale. I sustained damage to my home and needed to make repairs without filing an insurance claim due to high deductible. Were almost there to shut them down and make them pay back all of us!!! If they forgave $30,000 $100,000 or MORE and it was NOT beneficial to you, the homeowner They received at least DOUBLE of what they had forgiven you under the Settlement. Four months later i keep getting the run around. We have refinanced an equity loan which banks do not resell. Select Portfolio Servicing HARASSING YOU? Over the years my dad has probably paid 3 times the original note. This company needs to be investigated and shut down for unfair practices and using fake documents and fake entities to steal homes. This was after I was out of work for one year on a forbearance program and when I got a job I call them and let them know and its been a run around for 5 months and now theyre threatening on April 13th to foreclose on my house unless I come up with $16,000 that is in the Rears. Terms and Conditions. They tell you they can help with the programs they have. Since the fire I have been lied to by SPS reps regarding short pay offers. Worst company to deal with and will not work with you at all. How do we sign up????? The complaint alleges that the company tried to collect on a mortgage loan during the time, and after, the borrower was involved in bankruptcy proceedings. Guess what? They dragged their feet, sent notices that they didnt receive replies to correspondence which would arrive 2 days after we received the original request. They are doing the same thing to my mom and dad in Gilbert SC. I called the lender yesterday to get a payoff quote for refinancing and they tell me I have to get it from this SPS outfit. 2019); cert. SPS Acct 0015160716 Relationship Y. Matguez I owe more on my house them when I purchased it. Your email address will not be published. She alleged that the erroneous monthly mortgage statements were harassing, false, and mislead-ing, and that by sending them Select Portfolio engaged in unfair Targeted to increased both customer numbers and quantity of savings in the . We are in the same boat. HELP I am currently trying to get a modification on my mortgage with SPS , after filing chapter 13 to save it after they refused the first modification, Help what do I do. they just took over caliber home loans, i am paid up to date on my mortgage, & they just sent me the 2nd bill, $5206.64..!!!!!! They wont stop running up more fees and this has been going on for 3 years!!!! I have had it. documentation, to Select Portfolio Servicing via mail: 3217 S. Decker Lake Dr., Salt Lake City, UT 84119, fax: 801-293-3936, or online: www.spservicing.com. This is a higher than average score with the overall rating of Select Portfolio Servicing employees being 2.8 out of 5 stars. the sad thing is nothing will come of anyones complaints or lawsuits. I sent the payoff check to the company overnight certified mail that cost me $ 420.00+ dollars and that company refused to accept that check until the southern man came out in me. Just wondering WTF happened to my escrow account balance of $1500? They changed my land records so there is no real chain of title. Meanwhile SPS has placed my account in default & threaten me constantly via phone & letters! As for myself, they should be shot down once and for all, they are endangering our Country, they are threat to our Democracy and our Constitution, as they demoralize homeowners, families, our Courts and Judges. then they send me a new letter saying different paper work is missing this been going on for seven years. slect porfolio servicing aka SPServicing Scammed, Bullied, Reported false information to Credit Bureaus Salt Lake City Utah. It is important that you submit the documents to us as soon as possible because we . DEMAND to see the wet ink note (the original). I dont understand how that helps me when I used the money to fix my property, so where do they think I have the balloon payment they are requesting. receive is excuses why I dont have the replacement check. I was promised if I move out and give them the keys, they will return give me $2500 moving expense. Tip#2 We have refinanced an equity loan which banks do not resell. I farther got a 62,000 dollar loan from a company in 1999 my father passed away in 2014 and was never late paying his mortgage. Yeap you all are correct they are crooks! However, this can result in some functions no longer being available. Plaintiff sued Select Portfolio Servicing ("Portfolio"), a mortgage servicer, under the Fair Debt Collections Practices Act ("FDCPA") and the Florida Consumer Collection Practices Act ("FCCPA"). denied, 2020 WL 3492660 Issue: If a petition by an individual under Chapters 7, 11 or 13 has been dismissed within one year, does the stay terminate automatically 30 days after a new filing only as to property of the debtor or as to both Yet loan sold again but no proof of ownership! document.getElementById( "ak_js_2" ).setAttribute( "value", ( new Date() ).getTime() ); document.getElementById( "ak_js_3" ).setAttribute( "value", ( new Date() ).getTime() ); document.getElementById( "ak_js_4" ).setAttribute( "value", ( new Date() ).getTime() ); Please note: Top Class Actions is not a settlement Well they file to foreclose and I returned file bankruptcy. The Select Portfolio Servicing Unfair Debt Collection PracticesClass ActionLawsuit is Angel Rivera, et al. Please add me to this lawsuit as well. My sister and Insurance Agent stayed on the phone with the company over 4 hours and got no where . Ugh it is horrible. Wow. Documents indicate that SPS had violated countless Federal Laws, not only consumer laws, but also BK Laws. The suit, for claims. Worked with . Rose v. Select Portfolio Servicing, Inc., 945 F.3rd 226 (5th Cir. This company is horrible. it all happened to us in the end stole our home we worked our entire lives for !! I received an escrow check from SPS inc made out to my ex-wife and myself. We got different answers to the same questions. Select Portfolio Servicing, Inc., No. For this reason I didnt open the bills having been assured that I was not being charged PMI wrong I went to pay off the balance only to realized they lied I called multiple times,,, and after months they stopped charging me, but refuse to refund the money they already charged, despite that being the only reason for my call. Fake documents filed at the registry of deeds and they have NO accounting of any previous payments and try to foreclosure on homes they did not have rights to! drug injury lawsuits and product liability lawsuits. I need to find out about the class action lawsuit if possible. The complaint alleges that Select Portfolio Servicing uses false, deceptive, misleading, unfair, and unconscionable practices in connection with their attempt to collect an alleged debt from Plaintiffs and others.. We showed proof of our loan and we were lucky our bank helped us through a refinance. Select Portfolio Servicing Inc ., a homeowner's conservator, Reese, sued a mortgage servicer, SPS, for HBOR and UCL violations after the mortgage servicer initiated foreclosure proceedings.. 2019 of plaintiff's counsel [letter dated August 23, 2019 of the Federal Deposit Insurance Corporation to plaintiff . Requesting for documents not related to the loss mitigation you applied for OR. 1. stating because of lender place insurance. SPS PORTFOLIO HAS TO GO!!! 5. Look for an attorney and sue themthey are ALL corrupt!! I bought my house in 2004 for $225,000 I put $150,000 down and took out an $80,000 mortgage. I had my house for sale and the sale fell through after 3months. Misleading homeowners document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Top Class Actions is a Proud Member of the American Bar Association, Various Trademarks held by their respective owners. Select Portfolio Servicing is an associate firm of Perkins Coie, one of the largest legal consultancies in the United States. !to a tee everything u stated happened to us in 2017 from sps fresh out of a bk13 and wouldnt loan modify just kept raising mortgage and all taxes and impound accounts wrong i couldnt have explained the situation any better than u did! SPS said they would not accept any more payments and charged off the loan. I have had a letter from 4 different law firms companies that has taken over this account and trying to foreclose on my home August 77th 2018.