I have a mortgage loan with Santander bank, and have been having difficulties paying my mortgage since I lost my full-time job in XXXX. I was denied Loan Modification 5 times over the past 4 years, the most recent being XXXX XXXX. In XXXX XXXX, I received help from CHFA ( in the form of a Loan - with deferred payments ) and brought my account current. 
Because the mortgage loan was never modified - I am still paying an interest rate of 5.75 % and the payments are almost {$1600.00}, I fell behind again in XXXX. 
I continue to make payments, and on XXXX XXXX, XXXX I had made enough payments totaling one month 's mortgage. 
However, Santander DID NOT apply the payments to my account, but instead sent my information to an attorney to begin the foreclosure process. On Monday XXXX XXXX, I received a letter from XXXX XXXX XXXX regarding said mortgage. I also received - on that same day- a mortgage statement dated XXXX XXXX, showing the unapplied funds. I immediately called Santander and spoke with XXXX XXXX, who could not give a valid reason why they did not apply the {$1500.00} to my account. 
Subsequently the mortgage company refunded me in XXXX installments the XXXX for {$790.00} received on XXXX/XXXX/XXXX and the XXXX for {$800.00} received on XXXX XXXX, XXXX. 
Santander Bank, by their actions FORCED me into foreclosure to suit themselves. Instead of assisting me to keep my house they are trying to forcible take my house from me. 
I am also a Social Security XXXX recipient. 
I have a modification package which I will complete and return to them within the next few days. 
Please investigate. 
Thank You XXXX XXXX XXXX 
