Shellpoint Partners, LLC Complaint: Mortgage #1787031

Warning (512): SplFileInfo::openFile(/var/www/html/complaints.millsbomb.com/tmp/cache/models/myapp_cake_model_default_complaints): failed to open stream: No such file or directory [CORE/src/Cache/Engine/FileEngine.php, line 395]

Code Context

                $this->_File = $path->openFile('c+');
            } catch (Exception $e) {
                trigger_error($e->getMessage(), E_USER_WARNING);

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$dir = '/var/www/html/complaints.millsbomb.com/tmp/cache/models/'
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$e = object(RuntimeException) {
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Cake\Cache\Engine\FileEngine::_setKey() - CORE/src/Cache/Engine/FileEngine.php, line 395
Cake\Cache\Engine\FileEngine::read() - CORE/src/Cache/Engine/FileEngine.php, line 184
Cake\Cache\Cache::read() - CORE/src/Cache/Cache.php, line 312
Cake\Database\Schema\CachedCollection::describe() - CORE/src/Database/Schema/CachedCollection.php, line 58
Cake\ORM\Table::schema() - CORE/src/ORM/Table.php, line 429
Cake\ORM\Table::primaryKey() - CORE/src/ORM/Table.php, line 505
Cake\ORM\Table::get() - CORE/src/ORM/Table.php, line 1163
App\Controller\ComplaintsController::view() - APP/Controller/ComplaintsController.php, line 54
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 429
Cake\Routing\Dispatcher::_invoke() - CORE/src/Routing/Dispatcher.php, line 114
Cake\Routing\Dispatcher::dispatch() - CORE/src/Routing/Dispatcher.php, line 87
[main] - ROOT/webroot/index.php, line 41

Warning (512): SplFileInfo::openFile(/var/www/html/complaints.millsbomb.com/tmp/cache/models/myapp_cake_model_default_complaints) [splfileinfo.openfile]: failed to open stream: Success [CORE/src/Cache/Engine/FileEngine.php, line 395]

Code Context

                $this->_File = $path->openFile('c+');
            } catch (Exception $e) {
                trigger_error($e->getMessage(), E_USER_WARNING);

$key = 'myapp_cake_model_default_complaints'
$createKey = true
$groups = null
$dir = '/var/www/html/complaints.millsbomb.com/tmp/cache/models/'
$path = object(SplFileInfo) {
	
}
$exists = true
$e = object(RuntimeException) {
	severity => (int) 2
	[protected] message => 'SplFileInfo::openFile(/var/www/html/complaints.millsbomb.com/tmp/cache/models/myapp_cake_model_default_complaints) [<a href='http://php.net/splfileinfo.openfile'>splfileinfo.openfile</a>]: failed to open stream: Success'
	[protected] code => (int) 0
	[protected] file => '/var/www/html/complaints.millsbomb.com/vendor/cakephp/cakephp/src/Cache/Engine/FileEngine.php'
	[protected] line => (int) 393
}

Cake\Cache\Engine\FileEngine::_setKey() - CORE/src/Cache/Engine/FileEngine.php, line 395
Cake\Cache\Engine\FileEngine::write() - CORE/src/Cache/Engine/FileEngine.php, line 134
Cake\Cache\Cache::write() - CORE/src/Cache/Cache.php, line 234
Cake\Database\Schema\CachedCollection::describe() - CORE/src/Database/Schema/CachedCollection.php, line 67
Cake\ORM\Table::schema() - CORE/src/ORM/Table.php, line 429
Cake\ORM\Table::primaryKey() - CORE/src/ORM/Table.php, line 505
Cake\ORM\Table::get() - CORE/src/ORM/Table.php, line 1163
App\Controller\ComplaintsController::view() - APP/Controller/ComplaintsController.php, line 54
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 429
Cake\Routing\Dispatcher::_invoke() - CORE/src/Routing/Dispatcher.php, line 114
Cake\Routing\Dispatcher::dispatch() - CORE/src/Routing/Dispatcher.php, line 87
[main] - ROOT/webroot/index.php, line 41

Warning (512): _cake_model_ cache was unable to write 'default_complaints' to Cake\Cache\Engine\FileEngine cache [CORE/src/Cache/Cache.php, line 244]

Code Context

                ),
                E_USER_WARNING
            );

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Cake\Cache\Cache::write() - CORE/src/Cache/Cache.php, line 244
Cake\Database\Schema\CachedCollection::describe() - CORE/src/Database/Schema/CachedCollection.php, line 67
Cake\ORM\Table::schema() - CORE/src/ORM/Table.php, line 429
Cake\ORM\Table::primaryKey() - CORE/src/ORM/Table.php, line 505
Cake\ORM\Table::get() - CORE/src/ORM/Table.php, line 1163
App\Controller\ComplaintsController::view() - APP/Controller/ComplaintsController.php, line 54
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 429
Cake\Routing\Dispatcher::_invoke() - CORE/src/Routing/Dispatcher.php, line 114
Cake\Routing\Dispatcher::dispatch() - CORE/src/Routing/Dispatcher.php, line 87
[main] - ROOT/webroot/index.php, line 41

#1787031 14 Feb 2016

Mortgage FHA mortgage

Complaint #1787031 submitted on 02/14/2016 relating to Shellpoint Partners, LLC. Complaint relates to Mortgage FHA mortgage - Loan modification,collection,foreclosure .

Complaint was submitted via Web and sent to the company on Sunday 14th February 2016.

Narrative (may be redacted).

My husband and I have been trying to get a loan modification with Shellpoint Mortgage Company for few months now. We are also working with our attorney ; three months ago he recommended we do a Chapter XXXX in the meanwhile try to get a loan modification with Shellpoint. The problem with the Chapter XXXX was that our trustee 's payment was raised during this time. On XX/XX/XXXX we submitted a loan modification package to Shellpoint Mortgage and we received a response from Shellpoint dated XX/XX/XXXX indicating they assigned a new specialist to assist us thru the lost mitigation process. We have made many attempts to get a hold of our specialist dedicated to our file but he never responded back. Every time we call they tell us they require more documents and every time we send them and come back with another request of forms or adjustments on forms. For example : they requested our XX/XX/XXXX-XX/XX/XXXX taxes and we complied. They told us to call back in a few days to follow up and I did only for them to tell me that they did not receive our taxes.

Finally after submitting a complain I hear back from our specialist. HE told us he had received a package. And that he was sending a realtor to our home to do a home appraisal. This was on a Monday. On wednesday we recieved a phone call from Shellpoint indicating that we are eligible for a loan modification. That we would have to give a XXXX down payment. They told us they would put everything in writting and mail it to us. Well on Friday evening we get a call from Shellpoint and they tell us sorry the investors would not approve the loan modification. And on Monday morning our home goes into Auction and we get foreclosed on.

Company	Shellpoint Partners, LLC
Complaint ID	1787031
Date Received	02/14/2016
Product	Mortgage FHA mortgage
Issue	Loan modification,collection,foreclosure
State/ZIP Code	IL 604XX
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 02/14/2016
Result	Timely Response: Yes, Consumer Disputed: No

Shellpoint Partners, LLC Complaint: Loan modification,collection,foreclosure

#1787031 14 Feb 2016

Mortgage FHA mortgage

Narrative (may be redacted).

Have you dealt with Shellpoint Partners, LLC?