I had a 2nd mortgage, interest only loan, for 10 years with SLS, paid on time every payment. They recently instructed me that the terms of my loan are that I now start paying it off. I applied for modification but was denied. All the while making the payments payments on time with the statements received. Never a late payment. They sent me a new monthly statement for XXXX with the new monthly payment which I paid on time ( well documented bank transfer and even on their web site under my account info shows paid on time. But the XXXX statement shows a late fee being charged. When called they stated they could not change anything although the representative stated she saw that the payment was made. I have never received my new loan documents or a payment schedule from them and really do not know the terms of my continuing loan now. 
