In complaint # XXXX and others I proved what Select Portfolio and XXXX XXXX call a modification was actually a cash out refinance loan, and I was never given any RESPA documents showing where the funds were dispersed and never given a 3 day right of rescission as per required by Federal law. 
This cash out refinance was done on XXXX/XXXX/XXXX, which would be the day that my right to rescind would start. 
SPS has finally quit trying to deny paying off any other loans ( XXXX actually paid off my then first mortgage with XXXX Mortgage, without my knowledge or permission, but they are trying to claim that my right of rescission was effective from XXXX when I took out my original loan, which was with XXXX. 
How they can assert this is beyond me, because the cash out refinance of my XXXX loan was done on XXXX/XXXX/XXXX, not XXXX. 
I rescinded the loan in XXXX XXXX, which is well within the 3 year right of rescission that SPS admits exists. Therefore, I again demand that my loan be rescinded. I also demand that the CFPB take enforcement action against these RESPA violations. 
