One year after we bought our house our Mortgage was "sold" to SPS, we were told we would get a welcome letter and a new account number from SPS when our file transfer was received, 2 months later and several phone calls later we still didn't have a file. I got frustrated and began sending our payment any way with a detailed description of who we were and what the money was for. We did start getting receipts but no payment coupons.
We received 3 receipts total, then we started getting letters from our original bank First Mutual NJ stated they weren't getting payments sent to them, I kept calling and writing telling them they were no longer our bank so why were they asking for payments? No response from them. Then we were served with a foreclosure from First Mutual saying SPS advised them they had NEVER received one single payment from us, and they were forced to buy back the mortgage.
I sent them copies of our receipts and copies of our payments theat were cashed. EVERY payment was cashed after the 22nd of the month. First Mutual despite receiving all of our proof went forward with the foreclosure, we did not have an attorney but submitted all of our evidence of payment to the judge believing she would see that we did nothing wrong, She went through with the foreclosure and we had to file chapter 13. We have now been advised that First Mutual has rejected our chapter 13 and is claiming two years of arrears or surrender the house.
SPS has very obviously scammed us along with First Mutual. I am looking into Suing SPS for starting this whole stressful ridiculous process through lies. Oh by the way after the foreclosure went through SPS sent a letter stating that they in fact did receive the payments and forwarded them back to First Mutual. Nice huh?
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