Select Portfolio Servicing No clear answers to claims of late charges. Denied loan modification. Jumping through hoops to meet their demands. Salt Lake City Utah

My son's father passed away last year.  My son became ex-acuter of the estate.  SPS has given him a list of late charges but can not explane what all the late charges are for.  They say that some are for unpaid taxes and insurance and some are late payment charges.  However, they can not tell us how much is for what, and when.  Also, several years before the estate owner passed so did the estate owner's wife.  Shortly after her death he filed for the government loan modification program to help get back on track and lower his mortgage payment so it would be managable with less income.  After many attempts and many faxed documents of the same things over and over and a change of "relationship managers" three times he was eventurally denied after 10 months.  I know this because I was the person doing all the financial work for him during that time and I am also the mother of his son.  I was his first wife.  Now my son gets calls from SPS on a daily basis about late charges that are not acuratly or clearly explaned and when my son questions them they become defensive stating they are recording the conversatons.  My son has replied that he also is recording the conversation but they hang up on him and call back on another day.  They harrass and will never give the same answer twice nor, does my son speak with the same person twice.  I know for a fact that all the taxes and insurances were paid while I was living here, and have documentation to prove this.  I have even sent them proof of this.  Nothing seems to work with these people.  They make up bogus charges and harress us for payment beleiving  we fear all the forclosure notes they send will force us to pay faster.   We are sick of their bulling tactics.   We want to join a class action suit against them.  We beleive they have bogus charges that have been going on for the years they have owned the loan.