Complaint #1613844 submitted on 10/19/2015 relating to Servis One, Inc.. Complaint relates to Mortgage FHA mortgage - Loan modification,collection,foreclosure .
Complaint was submitted via Web and sent to the company on Monday 19th October 2015.
I have been trying to complete a short sale with BSI Financial who has now purchased my loan as servicer XXXX ( lender ), as outlined in the Relief from Stay they filed in my Bankruptcy case. My agent has been working with them and receiving emails directly from them in which they continue to change the terms of what they need to get an approval. First, they declined the offer we presented due to it being an investor buying my home and the value being too low. BSI sent an appraiser to look at the value of my home, and he went inside my home on XXXX XXXX, 2015, but never disclosed to me what the value is. My agent and her short sale team requested the valuation many times without any response from them. I believe they have to provide it per the XXXX valuation rules. The bank then cut the commission in a later email to make it harder to obtain a buyer. Then, they required the buyer be owner occupied and get cross qualified with their lender. They even provided exact XXXX comments that my agent used exactly as they requested. We complied with this and my agent held an open house and obtained an owner occupied buyer ( and getting the Owner Occupied Affidavit signed that they provided ) with a much higher offer, {$15000.00} above market price. The buyer did get cross qualified with their lender as they requested. We submitted the full offer with all documents, repair bids and comparable sales as they requested. They declined the file with no reason other than a XXXX line email " offer is too low ''. BSI Financial should provide me with the value they believe my house to be worth and/or counter offer the great buyer we have. Its a nice family who is spending time and money to wait for some response from the bank. My agent and short sale team emailed BSI on XXXX/XXXX/15 requesting correspondence within 3 days and to provide the valuation done on my home. We have yet to hear anything from BSI Financial. XXXX XXXX XXXX is the person who has been in touch with us. We have asked for his manager and left many messages with no response. In addition, my lawyer has already obtained the required approval from the bankruptcy court allowing the short sale, which cost me legal fees. I do not believe that they are doing anything to assist me preventing foreclosure on my home, in fact, they seem to be stalling and trying to deny me as they want to foreclose. They clearly do not want to work with me on this short sale, even though I have a physical and financial hardship.
| Company | Servis One, Inc. |
| Complaint ID | 1613844 |
| Date Received | 10/19/2015 |
| Product | Mortgage FHA mortgage |
| Issue | Loan modification,collection,foreclosure |
| State/ZIP Code | CA 921XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company believes it acted appropriately as authorized by contract or law |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 10/19/2015 |
| Result | Timely Response: Yes, Consumer Disputed: Yes |
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