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After finishing my trial payments with citimortgage and continuing making the payments for 4 extra months citimortgage sold my loan to selene finance and they told me that selene finance does not give modifications and/or participate in any government programs with lower interest rate and that I will be kept at the same rate I currently have. They seem to be more interested on selling my home and not helping me to save it.
They are so rude and heartless. I can't understand why the government aloud this people to do business in usa with investors that don't support our current government efforts in helping people.
Selene should not be aloud to do business in usa.
The complaint has been investigated and resolved to the customer’s satisfaction.
They are owned by some of wall streets mobsters. These men started this bulk selling back when you and all were standing at a pta meeting trusting a bank.It was not enough that the country was ok they needed to get even richer. Now today with people been thrown out of their homes after paying for 10 12 years. These fellows have found a new way to get rich again. They buy loans where people were before in a pre mod. Saying its destressed and then asking you for 6% of a corrupt balance. They want your home offering you a little cash for the keys. Yes with all the talk of banks and mortgages out they come Selene and Ocwen to grab again.Selenes head guy Luis Raniere said he felt bad about his part in what all went wrong and he is back to make it right. Well were do you think himself and his investors got the money to start this buy distressed homes fr, om what they did before. They say they lower the principal and modify. NO they bought me in nov 2011 and have already started to bully me with I need to call their lawyer and I have to pay the arrears that are incorrect.Next is the call we give you cash for keys. I am a single mum with two boys they can go to hell. Do not send them a penny it will go into a black hole. Get legal advice their stories are terrible about getting into peoples home. If you or I did this we would be in jail.Colette.
My experience with Selene was totally similar. I went through the remodification process, did everything as asked and they didnt actually follow through with my loan remod. They are making me start the process all over again... after a year of the loan payments now I have to start again.
Dont know if anyone has any suggestions for a better way out but, they truly have the upper hand one me.
Kim Maples
Wells Fargo sold our loan to Selene after a year of modification payments. Since the payments were partial they were considered non payments. Selene told us they were entering us back into Hamp and after the 4 months again we were told we would have to reenter the program yet again. We were told if we didn't we would be foreclosed on. They eventually modified our loan but not under HAMP. Modified loan was Selene modification to same rate we had with 30k late charges and fees added on. After we did this they sold our loan again. If you have an attorney I would like to talk to him. The attorneys I have spoken to in the real estate business are unable to take our case because they are clients of Wells Fargo. [protected]
To Whom It May Concern: I am going through similar situation with Selene Finance, and we need to STOP those thieves. IF IT IS IMPORTANT FOR YOU TO SAVE YOUR HOME, THEN YOU NEED TO TAKE THESE NECESSARY ACTIONS:
LISTEN TO THIS GUY: RodneyMortgageSatisfactionProcess (1).mp3
1. DO YOUR RESEARCH, DO YOUR RESEARCH, FIND YOUR NOTE, DEED, AND VERY IMPORTANT THE CERTIFICATE OF SATISFACTION FROM THE FIRST TIME YOU PURCHASE YOUR HOME and ALL YOUR REFINANCE DOCUMENTS.
(GET IT FROM THE COURTS OR HAVE A REAL ESTATE AGENT WORK WITH YOU). USE A FRIEND OR RELATIVE TO ASSIST YOU, (THE ATTORNEYS WORK FOR THE FINANCE COMPANY). RESEARCH HOW TO WORD REVOCATION OF POWER OF ATTORNEY, AFFIDAVIT OF TRUTH AND LETTER OF NOTIFICATION.
2. DO A REVOCATION OF POWER OF ATTORNEY, and list ALL THE TRUSTEES, FINANCIAL/MORTGAGE COMPANIES
(REMOVING THE FINANCIAL COMPANIES AND THEIR ALLIES FROM YOUR MORTGAGE)
3. DO AN AFFIDAVIT OF TRUTH, AND LIST 26 OR MORE COUNTS THAT THE CURRENT MORTGAGE COMPANY HAS ROBBED YOU, WERE PAID THREE TIMES FOR YOUR HOME AND STILL WANT TO COLLECT OR PUT YOU OUT OF YOUR HOME. Eg. The undersigned Affiant, (your name), hereinafter "Affiant", does solemnly swear, declare and state as follows: Affiant's usage of the terms I, me, myself, our or us refers to (your name), state as follows:
a. On or about (date of first mortgage), I entered into a contractual transaction, with (your mortgage company) identified as Mortgage#(your mortgage account number).
b. I had no knowledge of receiving money from (your mortgage company) for (amount you purchase the home for) that is stated on the promissory note.
4. LETTER OF NOTIFICATION (TO THE MORTGAGE COMPANY GIVING THEM NOTICE THAT YOU ARE MOVING THE FIRST MORTGAGE COMPANY TRUSTEES, AND ALL TRUSTEES OR MORTGAGE COMPANY FORM YOUR MORTGAGE/HOME.
5. NOTARIZE ALL DOCUMENTS AS ONE AND FILE WITH YOUR LOCAL COURTS IMMEDIATELY (THIS WILL STOP ANY OF THEIR PROCESS AGAINST YOU).
6. SEND REGISTERED LETTERS WITH RETURN RECEIPTS TO THE CURRENT MORTGAGE COMPANY, TRUSTEES, AND ATTORNEYS:
NOTIFICATION, REVOCATION OF POWER OF ATTORNEY, AFFIDAVIT OF TRUTH, NOTARIZE PAGE AND ALL CERTIFICATE OF SATISFACTION (REGISTER MAIL TO ALL THE TRUSTEES, MORTGAGE COMPANIES, AND ATTORNEYS, WHO ARE LISTED ON THE NOTES OR DEEDS.
GOOD LUCK, DON'T LEAVE YOUR HOME, AND I PRAY YOU ARE ABLE TO STAY IN YOUR HOME. [protected]