I was with XXXX prior to my mortgage being sold amost at the end of their modification and they sold my account to Select Portfolio Servicing. In doing so the modification had to start over from scratch. I did have a problem paying my mortgage ( due to loss of income through divorce with XXXX ), and received assistance from the XXXX program ( a third party ), but was never late. XXXX informed me by them being involved sending part of my payment I would not be accountable for any lateness on my payments, because I was always current with the part I paid ; they did recieve the full mortage payment. This would apply also through XXXX and until the modification was completed. By XXXX selling the mortgage just before the modification was completed, and me being at the end of the program starting over ; I had to go into an agreement with Select Portfolo to avoid foreclosure while their modification was in process. I was to pay an amount agreed upon, until it was completed. It was n't the full amount, but it was accepted and an agreement was in place, and that amount was never late. Now I am sited with 120days late on my mortgage, after all that was agreed upon. My modification is now in place and I have been current with my payments since the modification XXXX of 2015. I think this is unfair and if there is someone that can possible help me with this, it will truly be appreciated. Originally the loan was a ( ARM ) mortgage. 
