I purchased my residence in XXXX. My first mortgage was with XXXX and the second mortgage was with XXXX as well. XXXX purchased the HELOC from XXXX XXXX XXXX, who had purchased it from XXXX. I then fell behind on the payments to my HELOC in XX/XX/XXXX or XX/XX/XXXX. Specialized Loan Servicing , LLC, who was servicing the loan on behalf of XXXX sent a me a pre-approved package for a loan modification dated XXXX XXXX, XXXX. The instructions stated that if I agreed with the terms, I should sign and mail in the agreement along with a payment. I signed the XX/XX/XXXX agreement on XXXX/XXXX/XXXX and sent in to SLS along with a cashier 's check for XXXX. Thereafter I noticed a vague term in paragraph XXXX of the agreement. I then contacted SLS about the vague term ( no indication of what will happen after 17 years, what the balloon payment would be at the end, amount of payment, etc ). SLS told me that they would send an updated agreement. SLS followed up by sending me a letter dated XXXX/XXXX/XXXX with an updated paragraph XXXX and then followed up with a revised agreement. I was making payments as per the terms of the first agreement I signed. I waited for my loan modification to be processed but I received no word from SLS. I contacted SLS XX/XX/XXXX regarding the status of my loan modification. They had no word still. On XX/XX/XXXX I received another pre-approved HELOC loan mod agreement asking me to sign and send back with payment. I again contacted SLS and they told me that if I sign this new agreement, it would supersede the agreement I had already signed and all the payments I had been making would apply to this new agreement and that I would not have to send in a new check. So I signed the enclosed acknowledgment and sent it back to SLS. Even after this, I heard nothing back from SLS regarding my loan modification. I have called SLS more than 150 times regarding my loan mod. They do n't know what has happened to my loan modification even though I have been making payments as they asked. 
Again in or about XXXX SLS sent yet another loan mod agreement ( proposal ) which does n't reduce the principal or the payments. When I contacted SLS they told me that they no longer have a loan modification program to offer me even though I signed and sent back the agreement and made payments on the agreement. Now I am facing the real possibility of a foreclosure. 
