ShellPoint Mortgage Servicing

paid off my morgage in 2019 and they have added more money sqaying they own my morgage ..currently have atterneys but shellpoint keeps putting everyone off

Currently have a suit against them and twice now they act like they want to work w us and settle only to go way past time that was allotted them to renig at last minute and continue thier wrongful foreclosure proceedings.

I have had the same experience for the past 11 years with no help in sight !

Wow, I am so glad to see that other people do not want to take this. They have royally screwed us over.

Always asking for more paper work and saying they did not receive it. All the while they are tacking on thousands of late fees. I tried for five months to get through and nothing. The last guy I talked to was a couple of weeks ago and was extreamly rude to me.

Very sarcastic and told me to stop using Covid for a reason. He told me now I owe $11,000 to bring it current or it will go to forclosure. !!! Also, they kicked me off the website so I could not get information.

I can go on and on.....I have call logs and more.

We will be ruined if we loose our house. Bottom line......Shellpoint can not be allowed to screw people over!

Start your story from the beginning... You stopped making payments that you agreed to in the Note.

A comment Pissed consumer asked me to start my story from the beginning. This is the key highlights this is by no means every detail of the negligence not just SHELLPOINT but many mortgage servicers show to consumers like us and if you think that your home has been or has been lost in a foreclosure or you've been charged fees that such as monthly property inspection fees, or over the phone or online fees on making your payment follow this link http://Gucovschi-law.com/mortgages and fill out your online submission!

Here is the story that made the online submission form a reality for us who have fallen victim to SHELLPOINT preditory way of servicing loans! 2009/ have hello letters from us bank serviced by Bayview mortgage and a modification that surprisingly added 25,000 onto the principal of my loan. Neither the transfer of title or modification were ever recorded in the record of deeds department in Delaware County courthouse. I resides in Pennsylvania we here it is required to do so.

2013 my loan was transfered to kirkland financial. 11/2017 completed a forebarance agreement w/kirkland financial llc. 12/2017 my loan was again transfered to Us Bank only this time they were serviced by shell point. I was not aware of this transfer at this point.

-12/2017 made payment to kirkland -01/2018 made payment to kirkland -02/2018 made payment to kirkland 02/2018 recv an email from kirkland stating shell point is my new servicer. 02/21/2018 got a hello email from shell point starting they were a debt collector. 03/01/2018 rec hello letter also stating they were a debt collector. I called shell point to be place on call w customer service rep to make over phone payment.

She proceeded to tell me that my mortgage was in arrearage for Jan as nd feb payment now with March due. 03/02/2018 faxed bank statement to customer service rep. 03/03-03/12 made several attempts by phone and email to follow up on my correction of account and asked for validity of debt due to escrow balance being -3458.00 and by this time also faxed a copy of forebarance and email from kirkland stating all forebarance grace period money was applied to escrow now as of 2018 bringing my total account current. 03/12/2018 without any response from shell point regarding any of this I went on the customer portal made an account and submitted 3/2018's payment.

. 04/06/2018 Rec'v first if many Account default notice to accerlate foreclosure notices. Called shell point to be directed to foreclosure department to be told that all my contact info was not mine infact phone with different states area code and address to be sent was in a total different city. After hours of convincing them they were wrong was put in touch with the head of department only to basically be told oo well ur screwed..again asked SHELLPOINT to validate the debt they state they were attempting to collect.

Which by this point was not only a negative escrow balance, they also reflected $13.50 monthly property inspection fees. 04/3018- scared to death at this point, being a single mom since my now two teenagers were infants years and having temp emergency custody of my two nieces and nephew, I scrambled to find an atty. Through reviews (that ended up being fake btw) reached out to an atty and after initial consult was told that after their review to save my home I'd have to enter into bankruptcy and it requires a 2500 $ initial payment upon filing another 1500 as nd throughout my bankruptcy they'd add the remaining $4000 ty I be paid through my monthly bankruptcy payments. 04/2018- made payments to atty submitted all paperwork through my case info.

08/2018 recv a mail correspondence stating my bankruptcy was dismissed. 08/2018 called atty to reach a strange voice it was a new paralegal who said it was dismissed due to old paralegal never filing correct paperwork. 09/2018 proceed w another bankruptcy. YES I KNOW HAVE TWO BACK TO BACK BANKRUPTCY S SHOWING ON MY CREDIT.

10/2018-AFTER PAPERWORK IS SUBMITED ATTY CALLS AND DEMANDS ANOTHER 2500$ PAYMENT OR SHE WILL NOT ATTEND THE SCHEDULED SECOND BANKRUPTCY HEARING. Distraught I paid the fee, was told of the 12/2018 hearing and payments would start 01/2019 regular mortgage payments 03/2019 ****- made bankruptcy payments for Jan nd feb. 03/2019 went to make both only to be told of a dismissal due to non payment of Nov and Dec payments made them while waiting for atty to call me back. Went to make mortgage payment to be told automatic stay lifted and in foreclosure again.

Absolutely beside myself I stopped it all got pissed and decided I had nothing left, I had nothing left to lose and that they'd get my home come *** or high water. 04/3019 second bankruptcy dismissed stay lifted only to finally see kirkland financial found out that my deed was never recorded legally back in 2010 and was transfered with no note to follow, they added a lost afvadaita omission. From May of 2019 to late August of 2019 SHELLPOINT had a man in plain clothes posted up at my home daily for hours before he'd leave he'd wait till the kids weren't out front and step into my property where my five children ( I'd by this time obtained 50/50 guardianship of my nieces and nephew due to my only sister's sudden death w my elder parents who reside in the home adjacent to mine) would be it's summer break they're home I'm at work, unable to ever fully concentrate on my job worried if this man who I knew worked for SHELLPOINT because when he'd come onto my property where my oldest 16 yo would be minding my two 15 11 and 7 yo, tape a unsealed, hand addressed plain white envelope with only my ex husband of 16 years name on it, inside foreclosure papers ( that I now know we're ones dismissed by a judge for what I still do not really know all I can guess is because any servicer since 2010 when there was the break in the records of my deeds, legally obtained my note due to that non recorded transfer from citi mortgage to us bank in 2010). All I would think of all day was, is this man really a child predator or worse?

The way SHELLPOINT conducted there prediditory mortgage servicing day to day, I was positive that they did not require child abuse clearances or criminal background checks on whoever they hire to stalk our homes, then come onto our property while most are clueless thinking they're in the safety of their home, worst yet how do the kids feel, did they feel threatened, did they think this man was lurking 24/7? I found myself not only working 10-12 hrs a day , now also pacing my floors unable to sleep worrying about the lurkings of what my girls now called the "poorly dressed, *** guy that tapes the envelope on the door everyday" continued through the night on his own time. I'd call SHELLPOINT to never have my call picked up or messages left answered, I'd try to log onto my web portal to leave a complaint and that's where I first saw a highlighted foot note that stated no payments will be honored or accepted, at least we agreed about something finally. Anyway needless to say all that having to bury my baby sister watch her children nd mine grieve, took a toll on me mentally and physically.

09/2019 shell point finally found a judge to start foreclosure proceedings Sheriff came to house only to serve my then 16 year old son with a side bar comment stating to tell your mom to get an atty. 10//22/2019 ANSWERED THE FORECLOSURE MYSELF W/ PP ROOF READING SND EXHIBIT FINDING TO BE GONE OVER FIRST BY FREE DELCO LEGAL AID. SENT KML(SHELL POINTS ATTYS) answer went to court house to pay and file pro se and then the waiting game. 04/2020 got an email from KML (SHELL POINTS LAWYER) ASKING TO COME TO A RESOLUTION.

I REPLIED NO SEE U IN COURT. 12/2020 BECAUSE OF MY ORIGINAL PISSED CONSUMER REVIEW WAS CONTACTED BY A PARALEGAL FROM A LAW GROUP STATING THST I WAS HEARD. THEY WANTED TO FORM CLASS ACTION LAWSUIT. ALSO THAT I HAD GROUNDS FOR A SOLE LAWSUIT FOR MANY VIOLATIONS OF MANY LAWS THAT WERE BROKEN BY SHELLPOINT SND LAW FIRM KML L AS W GROUP.

01/2021 RECV A EMAIL FROM DELAWARE COUNTY COURT TELLING NE THST A TRIAL I NEVER KNEW OF WAS CONTINUED TILL JUNE. 03/2021 I DO NOT RECOMMEND THST ANYONE DO AS I HAD BECAUSE I STILL MSY LISE NY HOME, I DO NOT KNOW, ALL I DO KNOW IS THAT BY THIS IT SOLEY ABOUT PRINCIPAL AND TAKING A STAND AGAINST BIG CORPORATE BUSINESS AND THE WAY THAT THEY THINK THEY CAN GET AWAY WITH ALL THIS CONSUMER BULLYING ESPECIALLY PRAYING ON SINGLE MOTHER N FATHER'S THE LOWER INCOME CLASSES AND ELDERLY! I AM ALSO REPORTING THE ATTY THAT FIRST DRAINED(STOLE) MY BANK ACCT, PUT ME INTO TWO FORECLOSURES ALL BECAUSE SHE FELL COMPLACENT! IT IS APPALLING HOW ANYONE WHO TAKES AN OATH TO SERVE THE COMMUNITY LICENSED IN CAN SCREW TRUSTING CLIENTS, LEAVING US BROKE AND W/ A VERY BAD TASTE IN OUR MOUTH, RELUCTANT TO BELIEVE ANYTHING ANOTHER ATTY SPEAKS at us, to do anything about the malpractices they've committed against consumers like us, to do anything about it, it fdcc and national bar association!

I do RECOMMEND anyone in a similar situation to reach out to an atty if u can not afford one contact local legal aid, real estate law colleges, post on forums such as this but when you do so make sure you have very detailed yet condensed details about your personal situation courts seem to lean in favor of these mortgage companies due to very broad spectrum real estate laws are written and the different laws in many states vary significantly add the fact that we unfortunately have to face is that judges as well as ATTYS like my first one do become complacent when faced with cases such as ours even if they don't realize it due too the bad taste in their mouths left by the consumers unlike us who abuse the system.

Thankfully a hungry, case by case, humble, yet aggressive atty's paralegal found my original review and left a comment in which I actually read which caused me to seek her out and tell her my story finally and thankfully for me she heard and actually listened with open ears causing her to suggest I send over all documentation I had which consisted of years of mistakes in several ares by many different servicers over those years. For those of you who would like to see if you qualify to be part of a possible class action law suit submit your info to http://Gucovschi-law.com/mortgages Class action lawsuit is being filed follow link to fill out your online submission

I'm glad you explained your story it sounds just like mine!