I have been making payments on my home mortgage for 15 years and never been late on a payment. When a balloon payment came due, the current service provider told me that I would have to pay the amount in full, or they would foreclose on my home. I could not obtain the large amount of money needed to pay the loan, so I sought to refinance. Select Portfolio Services ( the service provider ) told me they could not refinance the property, that the only option I had was to pay it in full or default and lose my home. 
I finally found a company that would refinance for me, and began to ask SPS to provide me certain documentation in order to complete the process. It has taken over three months at this time, and it still is in process. The mortgage changed providers numerous times, and along the way it changed from XXXX as the lien holder to XXXX who apparently owns the lien. When I finally got to the point where we could close, the title company obtained a copy of the title on the home, and it showed XXXX as the lien holder. Since all the supporting documentation showed that SPS was servicing the loan for XXXX, the title company asked that SPS provide a document showing that the lien changed hands from XXXX to XXXX, but SPS refuses to do this. I 'm suspecting that there may be no proof of who owns the loan, since SPS can not provide me with any documentation of this simple fact. I called XXXX and they said they had no records of the loan. I called XXXX and they also told me that there was nothing in their records. SPS insists that they have to say that because SPS is the service provider, and only they can divulge information. I should have been able to close on this months ago, and because they will not assist me, I am now behind in XXXX payments and it will soon begin to affect my excellent credit rating. My mother ( who dwells in the home ) receives almost daily calls from SPS asking for payment and threatening to evict her if payments are n't submitted. She obviously is very upset about this, always in tears and being an elderly woman with serious health problems, this is stress that threatens her well being. I just want to close on my refinance, payoff this mortgage and cut all ties with this company. Can they legally prevent me from moving forward by not supplying the necessary documentation? Are n't I entitled to this information? What can I do to hold them accountable? 
