They locked me out of my house without notice. I am not in foreclosure. I am late on my house payment, but not in foreclosure. I moved out of my house XX/XX/XXXX and notified my bank that I was moving XXXX due to a job change ( a permitted reason to move and not occupy the home under FHA loan regulations ). XX/XX/XXXX, I received a letter stating that they just learned that my home was vacant and that I needed to call them within 10 days or they would take steps to ensure security of the home. I called immediately and reminded them that I previously informed them that the home was vacant and worked it out with a representative to XXXX XXXX 's satisfaction at that time. I traveled to the house XX/XX/XXXX and stayed in the home XX/XX/XXXX. I have a friend who regularly checks on the house and who is considering purchasing the house who went to check on it today and the locks had been changed on my house and a realtor box placed on the door. I did not receive any kind of notice that the house was going to be locked up, or I would have told them that I was using the house when I traveled to XXXX visit my mother. I called today to let them know that I can not get into my own home and they said too bad. They informed me that I could not remove the lock to get into MY HOUSE. I am not in foreclosure. I have not received any notice that the house would be locked and I would be locked out and not provided any access. This is a violation of the law and of my rights. XXXX. I understand the law and my contract and this chain of events is a breach on the part of south pacific financial. They have an obligation to inform me and can not lock me out of my own home without proper judicial authority. They also stated this was partially because the utilities were turned off. The utilities are off because I am having the house completely rewired and new electrical installed. I am ready to sue. 
