Selene Finance

I really can not believe once again another lender committing fraud.  My nightmare began with Countrywide selling my personal information and all me credit damaged.  Then my loan sold to Bank of America.  I gave them a mailing address they foreclosed on my home stating I abandon my property without going to the property were all my items were.  But yet took double payments so they said when they were supposed to write off 95,000 off my loan and gave me a new loan at a lower rate and payment just so I would not just walk away like everyone else had done.  But there was no need for me to walk away since at the time of purchase I put down 100,000.  No one was doing that at the time.  Now they asked me to open of BofA account to make direct deposit to my loan payment.  But they could not set it up from my bank account to their mortgage department.  So they paid for my Fed-x payment or almost 4 months.  That’s how screwed up they were.  Now I hire an attorney can’t remember his name right now, but.  This man charged me and over 25 other people to go against Bank of America and didn’t file an appeal so we all lost and once again our houses went into foreclosure again.  He also used our money to pay his personal expenses which is against the law.  He has now filed Bankruptcy to over 46 different people. So I then filed Bankruptcy to stop foreclosure once again.  So now I was on the hook for the payment that were not made during lawsuit.  So made now I owe another 36,000 back payments.  Because when you file Bankruptcy the lender can not take payments from you. So now I on the hook for the back payments overnight. So I met my obligation I filed to dismiss my case only to find out in February I didn’t owe a payment till July.  But yet they are asking for another 5,400.  For what?  Oh, and by the way if you hire a paralegal make sure they are not an attorney that has been disbarred.  They can still practice as a paralegal.  What is wrong with this picture.  Our system is screwed up.

Neat less to say the one industry I loved from the age of 16 now makes me disgusted.

Foreclosed behind my back

First I would like to point out that my family and I not only live at this property but my business is conducted on the property also!  I have been residing at this property for almost 17 years now! I felt like things were going to start looking up for my family, I felt like there was hope for the future, and then a Realtor came to my door and started offering me Cash for Keys on my home!!  I told her that I wasn’t interested and that I would call the mortgage company to get things straightened out. At this point I found out that Seterus Inc no longer held my account, it was Selene Finance. It took me a day and a half to finally figure out that not only did I not know that a different company had acquired my property but it had gone through foreclosure without me even knowing that it was happening.  I begged them to please give me another chance. Life was different and my kids didn’t know anything besides this being home!!

The customer service representatives that I spoke with at Selene Finance informed me that it was too late because the sale was already held on my home.  They also told me that nobody bought my home at this foreclosure sale so the property remained in their possession. I asked why they couldn’t work with me then and let me stay and I would pay any fees or fines associated.   They told me that was not an option. I then told them that my mother wanted to buy the property from them at which time they informed me that she was not allowed to do so. My mother-in-law, who was also residing on the property also went to talk to the realtor who informed her that neither I nor anyone related to me could purchase the property.

Meanwhile, I hired an attorney because I honestly felt that the foreclosure process was not carried out in a legal manner or I would have been aware that this was all happening.  The title company had provided me with a photocopy of the posting in the newspaper but I felt that with something of this magnitude I should have been personally notified. I called Mackoff Kellogg Law Firm multiple times prior to hiring an attorney, asking for proof that they had tried to notify me and I never received a response from them.  The attorney was able to attain documentation showing that they had sent me registered letters but the letters sat in the post office, unclaimed and got sent back. On the day that the letters were to be delivered, the mail carrier didn’t even bother to pull in my driveway to deliver them to me or even notify me that they were there or I would have absolutely driven to town to pick them up.  

Then my attorney was able to obtain  proof of posting which was a slap in the face because looking at the pictures that were taken, I was home that morning, possibly in the shop but on the property, as well as my children. and husband whom I had not gotten to leave yet, even though at the time of posting, I had been telling him for months, that we were over, and that I wanted him to leave.  He had informed me that the only way he was going to leave the property was in a box. I later found out, he removed the notice without telling me! For what reason, I still don’t know, most likely to be vindictive because I was trying to make him leave!

Now the courts have set a hearing date of June 4th and I am going to continue to fight this with everything that I have!! Any advice that any of you have for me would be GREATLY appreciated!!!



Selene Late Payment Scam

I have also sent this to top class action as well about Selene finance. But encourage others to do so immediately before it’s too late and you find yourself foreclosed on. I’m also communicating with several other attorneys and filing complaints with the following organizations [Lone Star Legal Aid, which is organized to help low income Texans  with their legal matters.] ALSO CFPB website ( or by calling our toll free hotline at 1‐855‐411‐CFPB (2372) or TTY/TDD phone at 855‐729‐CFPB (855‐729‐2372). Contact center representatives are available to assist you from 8am‐8pm EST. Mortgage servicers are also regulated by federal law, particularly the Real Estate Settlement and Procedures Act (RESPA). You have the right to request information about your loan and to dispute errors. You can read about RESPA and your rights here:
SELNE is a D rated company – according to BBB, that took over our mortgage and we have been having problem ever since. Several months ago they sent us letters and began calling about a late payment. When I spoke to them they were certain it was late even though we told them it shows on our bank statement that it was received and process on time. Once I told them that my parents who co-own the house with me are elderly and ill with heart disease and stage 4 cancer, miraculously it turned out that “my father seemed to be overpaying on the account and there was already a full payment in credit??”(BS!) Yet this issue had hit our credit and I had to pay credit repair to fix ($99/mo). Now again as of last week they have initiated the same circumstances upon us and they are saying that as long as we use bill pay this will keep happening…even though we can prove our payments are arriving on time. So instead of paying late charges, I am shelling out $99 a month of fees I cannot afford. I also noticed they do not send these accusations in writing, but call and talk to me or my ill father and in a disgustingly rude manner. Upon reviewing this web site, I have reason to believe that they may be targeting a select market of homeowners, in particular those who are having financial difficulty, ILL OR Elderly, or those who have owned the home for over 5 years…#EQUITY…

Oh and upon reading so many stories, I noticed these people are getting away with this by not making promises over the phone or asking for late payments for not being late over the phone but not in writing. We need to start recording all conversations with Selene.

I am enclosing several review websites containing information all pertaining to the same pattern of complaints:

selene liars

We had our loan with citi mortgage and at that time-when real estate dropped and mortgages were underwater all over the place, we ran into hardship when we knew we were going to lose our business . we called citi for help BEFORE we were late on our mortgage. They told us they couldn’t offer us any help unless we were 3 months late. Eventually after several months of asking for assistance we stopped payments for the 3 months and as they advised  us to do, and we applied for a loan modification. We did this and paid forbearance payments as we were instructed while submitting all requested documents and waiting for a final modification–they lost my paperwork and many other excuses-this went on for 2 years and 4 trial periods of forebearance payments. Then suddenly citi refused to accept payments from us -we filed chapter 7. when 7 was closed i called citi and they told me i didn’t owe the debt and they couldn’t speak to me. This went on for about 2 years ,and then they transferred the loan to Selene. I have been trying to modify with Selene for 4 years now. I have an attorney who said that Justin has been nasty and stated that Selene does not modify loans using Hamp or harp or any of the mods out there. He was insulting and rude and VERY unprofessional and wanted cash up front. It has been 4 years  of Selene saying they didn’t get paperwork , repeatedly requesting and sending in an appraiser every 3 months-requesting the same documents repeatedly- or just refusing to answer us, stringing us along and then denying us saying many vague or untrue reasons such as  we have excess debt (we have none). Recently they actually offered us a mod with 30K down and 6 months of trial payments of 3900.00 (which could be changed at any time per their offer) and a loan amortized over 40 years but payed  off in 30 which caused a balloon of 235000.00 at the end. The offer was so open ended and stated in so many different ways that they could change it at any time. It said at any time they could still deny and foreclose. At the time of that offer they had an auction date set. I changed attorneys and they called them out on dual tracking-so they stopped the sale and we filled ANOTHER modification. All the information they needed was sent-Justin assured he had everything-then he stopped answering the calls from the attorney and set another auction date-then selene sent another  denial saying we have excessive debt(we have none) I have filed chapter 13 and a loan modification request in federal court. I am not very optimistic on a good outcome as it seems they just want to take my home. I am going to continue to fight to the end-but it is emotionally draining. I have 2 children and a husband and we make more then enough now to pay a mortgage. They are not willing to negotiate at all! I will keep you updated on the outcome.

Selene Finance Payments refused!

When we were at Citi-Mortage my husband had an income reduction so we thought we should try to take advantage of the modifications that were available. (mind you, we were never late on a payment) That is where our problems started. We made the phone call; they approved us and gave us our new payment. We started paying the new amount. They explained the process we would have to go three months on time and then they would modify us. We went several months and then we received a letter from Cit-Mortgage requesting the paperwork we had already turned in. We were asked to resubmit the paperwork again. So we did and during this time Selene Finance bought our loan.
Shortly afterwards..we received a letter from Selene Finance saying we owed 17,000.00 and to call. I called and started speaking with Kevin Wardlow, who was very friendly and helpful at this time. Come to find out Citi-Mortgage was holding our modification payments and when they sold our loan they did not transfer the money to Selene Finance. We were discussing that our house had been on the market and we hoped to sell it soon. Kevin Wardlow asked if we would be interested in doing a short sale. Not knowing what a short sale was Kevin explained they had a company Green Rivers that would market my house. We did a conference call with Greg Cummings. Greg explained they were very aggressive and the house should sale in a couple of months or so. I then asked Kevin do I pay the amount of my modification or do I pay the regular amount of my house note. Kevin said under the short sale program you can’t make any payments. We were uncomfortable with this and made if very clear that we did not want to go into foreclosure. We asked for this in writing and Kevin assured us he would send us something stating we were not allowed to make payments and would not go into foreclosure. We met with Diana Hubert from the reality company to sign an agreement A couple of week passed and we had no hits. I contacted the agent asking about dropping the price. She asked me to allow her to do her job. A couple more weeks go by and I made a call to Kevin and this was making us feel very uncomfortable and we would feel better to make the payments. Kevin told me my account was turned over to JoAnn Bantegui . I contacted JoAnn, we spoke about what I felt was lack of effort on the reality company and again I did not want to go into Foreclosure and wanted to make payments. She told me she understood and I was not in going in Foreclosure. Maybe a month went by the price of the house was dropped once. (Which came after I inquired about it again)? I called JoAnn back again and discussed the same two items. She said she would get with Green Rivers(Reality Company) and follow up. I requested again to make a payment so we would not go into Foreclosure, again she assured me that was not an issue. I also requested the letter Kevin had promised about no accepting our payments and we were not going to be foreclosed on. On March 3rd we received a note on my door to contact Selene Finance. Why they hadn’t called me I am not sure… So I called JoAnn again. She tells me we had a foreclosure date of April 5th. On March 8th we received a letter from the attorney’s office stating we were being forclosed. When I spoke with JoAnn again, I was upset and asked how this could be when Selene was the one that said I couldn’t pay. She asked me if I wanted to keep the house. I said our intention is to sell but if I have to keep it so it won’t foreclose then yes. She said we would have to go through a modification. I agreed, then she came back to say it was a Forebearance and my payment would be $2748.00. That’s $1200.00 more than our original loan. We told them we would like to keep the original loan amount and make up the past payments( We were just setting the monthly payments aside) Kevin told me we were not the ones to demand anything and it was as is. Kevin also came back and stated he never said we could not make payments. JoAnn and everyone else all of a sudden became unavailable. We would have never committed to the short sale if we had known all of this. May 8th they foreclosed on us. We were beside ourselves and worn out from begging them to take our payments, so we just finally accepted what happened to us and tried to move forward. We make well over $250K and to this day this nightmare still haunts us and can’t get decent financing to purchase a new home. I look back on everything now and I wish we would have gotten an attorney at that time.
I can’t believe this company is still allowed to do business.



Have You Been Scammed By Selene Finance?

Hello everyone, and welcome to website. This website has been many years in the making. After over 5 miserable years with Selene Finance, a 2 year long forebearance, a ridiculous loan modification, and inevitable foreclosure and eviction I felt the need for this website. Selene Finance has absolutely no intention of helping you, only removing you from your home and turn a profit for the investment company/bank they are working for.  I have created this website to help and inform others of the true scams behind Selene Finance. Please join me in posting your Selene Finance story.

It is imperative that you tell your story, recent news has indicated that Selene Finance has now acquired over 72,000 new loans, that my friends, is scary.