They said I did not get approved, by Selene, to tack the funds on the end, even though this was my agreement with Bank of America. LOL Boy was I wrong. After the second offer in Aug. 2011, which wasnt much of a modification, I decided to sign because above all else I want to keep my house. Box 71243 Philadelphia, PA 19176-6243 Payments - Overnight Delivery: Selene Finance LP ATTN: Selene Finance Lockbox Processing 100 Grove Road, Suite 6 West Deptford, NJ 08066 *Please include your loan number on the check or money order MoneyGram: Selene accepts MoneyGram payments. Selene is without a doubt taking a new approach by listening to their customer and truly reviewing the position of the INDIVIDUAL. We thought it would be a good time to refinance and get a lower interest rate. Case Digest Summary. 1st Mortgage with Selene Finance for $221,000; 2nd Mortgage with DTA Solutions LLC for $55,000; Hardship: Curtailment of income. But I have not been refunded the money I overpaid. Sign up or log in to see more records. Then my attorney was able to obtain proof of posting which was a slap in the face because looking at the pictures that were taken, I was home that morning, possibly in the shop but on the property, as well as my children. On the day that the letters were to be delivered, the mail carrier didnt even bother to pull in my driveway to deliver them to me or even notify me that they were there or I would have absolutely driven to town to pick them up. Our mortgage was sold from Shellpoint to Selene Jan 2022 - we had just finished an approved modification from Shellpoint December 2021, but apparently it did not transfer to Selene and they refused to accept our payments. What this means is that, the bank gives the home back to the home owners after they have been given a court date and shown the money to be needed to stay in the home. Industry Financial Services Revenue $88.0M Employees 50 Founded in 2007 Headquarters Houston, TX Website seleneadvantage.com Organization Type Private Is This Your Company? He had to continue making trial plan payments while we fought for the permanent loan modification he deserved. We have helped over 5,000 homeowners, here is one of their stories. What Fees Are You Charged in Foreclosure? The attorney was able to attain documentation showing that they had sent me registered letters but the letters sat in the post office, unclaimed and got sent back. The Selene finance class action lawsuit is an opportunity to obtain compensation for those who have become victims of fraudulent settlement loans that were not offered at all. I contacted N.A.C.A & explained my issues with Selene. I was told by Jason at Selene my account rep that they would modify after 2 years of trying. and husband whom I had not gotten to leave yet, even though at the time of posting, I had been telling him for months, that we were over, and that I wanted him to leave. I then told them that my mother wanted to buy the property from them at which time they informed me that she was not allowed to do so. 207 E. Canyon St., Colfax, WA 99111. This seems deliberately underhanded and dishonest. The property has been on the market for 90+ days. The company is a subsidiary of an international investment firm, Pretium. Re: loan number 710-3112 Date: 8/20/2021 I can't get through their automated system sometimes as I no longer have an active loan with them. My loan was sold to selene financial. Selene is a Standard & Poor's, Moody's and Fitch rated Prime, Subprime and Special Servicer for Wall Street, Private Equity, REITs and GSEs. Coppell. 03. They lost one of are payments and it's been 2 months I sent proofs. Company Number 6147241-0181 Status Active Incorporation Date 10 March 2006 (about 16 years ago) Company Type Limited Partnership - Foreign Jurisdiction Utah (US) Branch Branch of SELENE FINANCE LP (Delaware (US)) Registered Address. I just received a letter from Selene Finance saying intent to accelerate. I finally received the requested information. Under this plan, the homeowner pays $700.66 monthly starting in September 2013; a 22% reduction from his original terms. I am seriously thinking about plastering it online. I did make one correction to this document that I sent in and am now attaching - on page two, under Cable/Satellite, I add the $55.00 I pay for Fios each month to our one streaming channel. We reviewed Selene Finance, LP's servicing of its Federal Housing Administration-insured loans and its implementation of the U.S. Department of Housing and Urban Development's (HUD) Loss Mitigation program. You did all of these dubious things behind our back and to keep us occupied with the promise of payoff that never came so you could sell the property to someone else. This is the worst mortgage company ever. Under this plan, the homeowner pays $700.66 monthly starting in September 2013; a 22% reduction from his original terms. Phone Number (800) 735-2989. 3501 Olympus Blvd 5th 500. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. So I then filed Bankruptcy to stop foreclosure once again. However, you can use certain types of short sales to circumvent a lien. Loan Modification Success: Stopping a Selene Finance Foreclosure, [fa icon="clock-o"] Sunday, November 3, 2013, Selene Finance Loan Modification Overview, 41 Months Past Due, Foreclosure Action Started, $47,827.46 Deferred from principal balance, Copyright 2008 - 2023 | Amerihope Alliance Legal Services. As we were explaining about the hardship, we had renters that shared the extra rooms in this house, and it cost us over $1000 lawfully evicting these renters that had made a mess of the house and stop paying rent for the past two years. Doing Business As: Selene Company Description: Key Principal: Joseph Davila See more contacts Industry: Mortgage brokers arranging for loans, using money of others Printer Friendly View Address: 3501 Olympus Blvd Ste 500 Coppell, TX, 75019-6295 United States See other locations Phone: Website: www.selenefinance.com Actual Modelled Thank you, Correspondence - Overnight Mail. Worst finance company EVER! I figured I had nothing to lose and gave then a call. No one bid on the house according to the title company but a couple of days later I received a call from a realtor again offering cash for keys. And now, the company and its more. Copyright 2023 The Stop Foreclosure Attorney | Powered by The Stop Foreclosure Attorney, Automated page speed optimizations for fast site performance, Can You Keep A Mortgage In A Dead Persons Name. My salary will also raise to $142,000 in January (as we just had our annual review/merit raise notices). I worked for a national law firm for 10 years and what they charged was outrageous. We need to start recording all conversations with Selene. Mark called Selene immediately. Oh, and by the way if you hire a paralegal make sure they are not an attorney that has been disbarred. PO Box 1365, Pullman, WA 99163. What is wrong with this picture. Thank you, First we were informed it was mailed 09/16/2022, and then we were told it hasn't even been printed and today (10/11/2022) we were informed that the modification was indeed not accepted and they still required the ex-gf's signature or a divorce decree (never married). Due to the volume of complaints filed against this business, BBB only publishes the details for 30% of the total complaints filed. When they received no answer, we started calling Selene for the payoff around May 17. I have continued to try to pay them since they first bought my loan from BOA in March 2022, with no avail. They also told me that nobody bought my home at this foreclosure sale so the property remained in their possession. If the state finds in favor of the borrower, then the lender has to give the borrower the opportunity to pay what is owed. The agents have been ok for the most part but I should not have to beg this company for a refund that I had to double pay. I am enclosing several review websites containing information all pertaining to the same pattern of complaints: https://www.bbb.org/houston/business-reviews/loan-modification/selene-finance-in-houston-tx-90014991, https://www.yelp.com/biz/selene-finance-houston, https://selene-finance.pissedconsumer.com/review.html, https://www.complaintboard.com/selene-finance-l1795.html. Copyright 2001-2022, Ventanex. Not a lot of activity in this group. I put an offer in on one of their properties and they countered but no where close to my offer. Now here it is 2022, were $35,000 in the arrears. Featured review. Our interest rate was over 11% in 1989. This $148,506 EMV foreclosure property located at in Battle Creek, . After the forebarance period I was told I could either pay the total Forebearance amount back to Selene in full, apply for a Loan Modification, Short Sale or Foreclosure. Now Selene told me to pay the full amount r foreclose on a home that I occupy (XXXX-XXXX) with my ailing father for nearly 20 years. They are out of controll and need to be stopped. Selene Finance, a special servicer of nonperforming, re-performing, REO and performing loans, is one of only two servicers in the country selected to be a Ginnie Mae Single Family Master Sub-servicer. In late 2019, Pretium closed on the acquisition of Deephaven Mortgage ("Deephaven"), a market leading non-QM mortgage originator, and Selene Finance ("Selene"), a premier mortgage servicer. The addition of these businesses to our existing asset management and investment platform provides significant scale and . Selene has automated the foreclosure referral process and implemented foreclosure and bankruptcy dashboard reports to monitor performance. Selene Finance at 9990 Richmond Ave #400, Houston, TX 77042. Save my name, email, and website in this browser for the next time I comment. selene finance foreclosure listings. Please see the attached response. View all the latest property details for homes in Saint Paul, Minnesota to get a feel for real estate in the neighborhood and/or surrounding area(s). Jurisdiction. 0600337221. It was nice when the break-ins stopped and the person messing with the door locks was no longer active. Executive Resolution Team The company provides those looking for homes loans. All we said repeatedly is that we wanted to pay off our house and take care of this loan. But yet took double payments so they said when they were supposed to write off 95,000 off my loan and gave me a new loan at a lower rate and payment just so I would not just walk away like everyone else had done. Under this plan, the homeowner pays $700.66 monthly starting in September 2013; a 22% reduction from his original terms. So I made a change and began my company. Contents [ show] BBB Business Profiles are subject to change at any time. We went back and forth a couple of times but I feel the price is still to high. on Have You Been Scammed By Selene Finance? Selene Finance, LP et al RSS Track this Docket Docket Report This docket was last retrieved on July 13, 2021. 134 reviews of Selene Finance LP "I'm in the process of buying a house that this company owns. How did it go? I have been working on a mortgage loan modification with Selene since August of 2022, Mortgage Account #: XXXXXXXXXX. After paying a trial period of $2013.49 per month from October 2021- March 2022, a modification was approved on March 4, 2022. Apply to Analyst, Specialist, Quality Assurance Analyst and more! Click Done to apply changes and return to your Dashboard. bank of america loan modification problems, financial worksheet for loan modification, home affordable mofication program qualifications, lakeview loan servicing loan modification, Homebridge Financial Services loan modification, home bridge financial services loan modification, home loan investment bank loan modification, pacific union finance loan modification success. Don't forget to check your email often for new foreclosure alert emails. What this means is that, the bank gives the home back to the home owners after they have been given a court date and shown the money to be needed to stay in the home. Recommended Reviews I was to begin paying my own mortgage starting the month of september 2022. (Updated 2023), What Happens to a Second Mortgage After Foreclosure in NJ? Use the Sign Tool to create and add your electronic signature to signNow the UNIFORM BORROWER ASSISTANCE FORM Selene Finance. What Can You Do If Your Mortgage Servicer Makes a Mistake? Tutas Towne Realty placed it on the market May 27th at $79,900. January 27, 2012. On Our Foundation. Can I Sell My Home To Stop A Sheriff Sale? von | Jun 17, 2022 | ruby tuesday university blvd closed | | Jun 17, 2022 | ruby tuesday university blvd closed | I had to file a chapter 13 just because they would not work with. They are great to work with. I called on August 20. Selene Finance services residential mortgage loans. After talking to a couple of realtors I realized I would have to rent it out because I was not moving back in just to move right back out again. We completed and faxed, e-mailed, and certified the same copies of the same paperwork constantly. Selene Finance is a residential mortgage servicing company. Website: www.selenefinance.com. Now I knew why they cancelled the Trustees sale last Dec. on Loan transferred after completing trial payments. Cindy J Ziegler. Our lawyers were able to save his home and he is enjoying his retirement in peace. You are allowed to negotiate with the bank and the Selenium Foreclosure Home Foreclosure team about your options and whether or not it is better to leave the home alone or save it. My house is going to auction next week. Now I hire an attorney cant remember his name right now, but. Selene Finance -. We even got an insurance form from Selene t's o help me on 16 July. So instead of paying late charges, I am shelling out $99 a month of fees I cannot afford. We have called back 2-3 times a week (with promises of call backs but never receive one) attempting to get a copy of this paperwork and we keep getting different stories. We were given two other dates after we did not receive the payoff on June 23 and that was again on July 5 and yet again on July 12. Selene Finance mortgage was completely paid in full through my bankruptcy. They need to be closed. This website has been many years in the making. In 2010 plaintiff defaulted his 2008 mortgage loan. In Aug. 2013 I received a letter stating my mortgage was now owned by a Trust and Selene Finance was the loan servicer. No one bought it. When I asked why, they said they were not going to accept any payment from me until I paid back all the payments during my COVID relieve/deferment period. When this happens, the defaulting bank is given the right to sell the house at auction if no other bidders step up to buy it. Nevada is one of eight states that allow the bank of default on a loan. Cindy J Ziegler Free Review of Notices of Intent to Foreclose in NJ, Can a Bank Foreclose on a Property if the Homeowner Dies? The number of payments we are behind - he began the forbearances during Covid due to a steep decrease in commission (medical imaging equipment sales), which has since rebounded as this field is growing (expected over 6% over the next 3-5 years) - has grown only because Selene refuses to let me make payments while in modification. This rating has decreased by -18% over the last 12 months. United States. See ECF No. Selene took over my loan from Bank of America in March 2022. It is imperative that you tell your story, recent news has indicated that Selene Finance has now acquired over 72,000 new loans, that my friends, is scary. Thats how screwed up they were. HQ. http://www.consumerfinance.gov/complaint/, https://www.consumer.ftc.gov/articles/0190-making-payments-your-mortgage-servicer, Selene Finance Services Loans For Investment Firms, Loan Sold to Selene Finance and They Have STOLEN Escrow FUNDS, Please help!! Thank you, Bank of America did not sell my mortgage because I did not accept the terms, I have spoken with *** ********, Officer, Resolution Specialist During this time we negotiated a trial loan modification with Selene Finance. We were told that we get to pay off her house and be done with Selene. ATTN: Selene Finance Lockbox Processing 100 Grove Road, Suite 6 West Deptford, NJ 08066. So I met my obligation I filed to dismiss my case only to find out in February I didnt owe a payment till July. These types of sales usually do not involve the bank giving up the right to foreclose on a home. for assistance with Selene Finance contact me at 310-564-6389 Brett@ishortsalenow.com ; www.ishortsalenow.com. Judgment of foreclosure was entered in 2016. First they say they got the proofs then they say they didn't. It is shady practice, and I have submitted every piece of materials requested, only to be told they didn't have them, so I have resent (I have proof of my sending info a month prior only to get these notes), which then resets the clock again at 30 days! Oh and upon reading so many stories, I noticed these people are getting away with this by not making promises over the phone or asking for late payments for not being late over the phone but not in writing. Once the house goes up for auction, the public will have the chance to attend the auction and place a bid on the property. A retiree retained our law firm in mid-2012, he was over 2 years past due on his $900.00 mortgage payment to Selene Finance, and had already undergone several lifetimes' worth of trouble with various mortgage lenders. I apologize for the confusion. But yet they are asking for another 5,400. SELENE FINANCE LP: 10/04/22: 11/01/22: Preforeclosure: 03/26/22: 04/05/22: Preforeclosure: SELENE FINANCE: 03/22/22: 04/05/22: Preforeclosure: SELENE FINANCE LP: 03/16/22: 04/05/22: . I told her that I wasnt interested and that I would call the mortgage company to get things straightened out. In June 2013 I received a check from a class action lawsuit because of Wells Fargos illegal foreclosure practices. Selene Author August 29, 2022 Employee (Former Employee) - Dallas, TX - October 15, 2022. Any advice that any of you have for me would be GREATLY appreciated!!! He has now filed Bankruptcy to over 46 different people. Foreclosures Buying REO from Selene Finance William Adams Sewell, NJ Posted 5 years ago Hi, I wanted to know if anyone on here has purchased a REO from Selene Finance? My home was schedules for sale on Dec. 6, 2012. I completed it and sent it back with all of my information they requested to start the process. Initiation la plonge; Niveau 1 : Open Water; Niveau 2 : Advanced; Niveau 3 : Divemaster Feel free to contact us at any time. After receiving documentation that they were my new loan providers, I immediately contacted Selene to resume my payments through them (as they advised in the notice). Beware of mortgage relief scams. You may schedule a free consultation at any time. It's been a lot of little things. Hi, I wanted to know if anyone on here has purchased a REO from Selene Finance? Press Done after you finish the document. One of the mortgage companies attempted to foreclose in 2009, but it was delayed because they didn't have the original mortgage paperwork. It is beyond frustrating to be on a call with somebody for 30-60 minutes, tell your story to them and NEVER get a straight answer. I thank God those people were not there when I was. 207 E. Canyon St., Colfax, WA 99111 I also sent them the bankruptcy discharge paperwork to show I am no longer in bankruptcy because I have called them numerous times and they would not speak with me. Meanwhile, I hired an attorney because I honestly felt that the foreclosure process was not carried out in a legal manner or I would have been aware that this was all happening. Selene Finance LP P. O. But i have some good news that may just help us all out. They told me that was not an option. Get the up-to-date selene assistance 2023 now 4 out of 5 33 votes 44 reviews 23 ratings 15,005 10,000,000+ 303 100,000+ users Here's how it works 02. Our credit has never been worse. When given the opportunity to take down lenders as Selene, who feel that they are Untouchable because theyre smaller Out Of Reach and a lot of investors. I also noticed they do not send these accusations in writing, but call and talk to me or my ill father and in a disgustingly rude manner. What is Selene Finance? Fitch Upgrades Selene Finance's Primary & Special RMBS Servicer Ratings. Money, Selene Finance - Mortgage / monthly payment department / accounting. New Construction Homes Raleigh, Nc Under 250k, MHA has a hotline you can call anytime: 1-888-995-HOPE or TTY 1-877-304-9709. Selene Finance LP employs 505 employees. Access additional case information on PACER Use the links below to access additional information about this case on the US Court's PACER system. The above are just some of the nightmare scenarios. I have been residing at this property for almost 17 years now! It also means that the bank can take the home back without having to go through the court system. IT Department. We got approval for the payoff which was one of the Selene employees estimated it to be $48, 000.OO. I emailed Selene Finance on 09/29/2022 and asked them why . Selene Finance Foreclosure Information Selene not reporting mortgage on credit report; I've had my mortgage with Selene Finance for 5 years; Selene Finance Know Your Rights; Selene Finance Shortsale Nightmare; Timely Payments, Selene Finance Screws Up Loan; Selene Finance . Staci received a Accounting degree from Utah Valley University. Call us at (877) 735-3637 Email us at LoanResolution@SeleneFinance.com Fax us at (866) 926-5498 Send written notification to us at: Selene Finance LP 9990 Richmond Avenue, Suite 400 South Houston, TX 77042-8500 Telephone assistance is available in many languages. I have attached a copy of the final cure which represents Selene Finance agreed I no longer owe them and the account is paid in full. . I called to have the check reissued. After we were again told that we were to be contacted by another part of your company. They paid Selene a lump sum to catch me up from arrearages and agreed to make my mortgage payment for 6 additional months. I ustilize all tge options, doors, contacts, and courts ti make sure they are in fact in compliance. If you are one of the people going through a Selene Finance foreclosure contact an experienced foreclosure lawyer today. Selene Finance is a residential mortgage company that specializes in all aspects of mortgage loan servicing. By now the homeowner had become three (3) years past due. Search Johnson County, KS foreclosures & foreclosed homes for sale, real estate, and MLS Listings. Client Alert: Wheeling v. Selene Finance, LP. Texas Roadhouse Champaign Menu, airydress account login Any advice? I bought my home in 2008. in 2019 Selene Finance bought my mortgage from my previous loan servicor. Once I told them that my parents who co-own the house with me are elderly and ill with heart disease and stage 4 cancer, miraculously it turned out that my father seemed to be overpaying on the account and there was already a full payment in credit??(BS!) A more recent docket listing may be available from PACER . Canvas Miramonte Login, We are well-capitalized with a heavy investment in technology and innovation. Selene refuses to do so. A federal judge has dismissed a lawsuit accusing Houston-based mortgage servicer Selene Finance of breaching an agreement to modify a New York state woman's mortgage loan and help her stay in her . They said my note was not escrowed which was incorrent. SELENE FINANCE, LP. Staci Reid is a REO Asset Manager at Selene Finance LP based in Houston, Texas. Tony Pastrana October 4, 2017 at 11:22am. Hi, I wanted to know if anyone on here has purchased a REO from Selene Finance? Currently we are waiting on a call back from Loss Mitigation Supervisor as she was 'not familiar with our case and not many notes were recorded over the last year'. Executive Resolution Team The customer service representatives that I spoke with at Selene Finance informed me that it was too late because the sale was already held on my home. $47,827.46 will be deferred from his principal balanceof $137,826.46 -- the balance is now $90,000. I have not missed a payment, MY FICO score is 834, and I am in the Excellent category with every credit reporting agency. Well guide you through the process. We suffered a hardship, then unemployment during COVID, and unbeknownst to us our house was auctioned. We have the money I just need a payoff. It is approaching 2 months since the house was sold. In the state of Nevada, you cannot use onerous actions or revolving liens to get out of a foreclosure. I recently submitted to Selene a new accurate depiction of my expenses, which I will also upload here. Comment by Shayna M. Bechtel on May 22, 2013 at 1:17pm. Then filed the Deed of Trust, covered everything up for 11 years.so alt of good that will do me now Im out almost $350,000 but they are even wealthier all I have is my stack of paperwork that proves it happen. I have also sent this to top class action as well about Selene finance. Cohen said she was thrilled when Oaktree's servicer, Selene Finance, bought the loan, lowering her payments to $800 a month. Its been a lot of little things. I called selene finance and changed my address with them so they could send the refund to the proper place. Close. Get your file. Note: The mortgage is actually with Wilmington Savings Fund Society and Selene Finance is the services. Selene finance did not pay my homeowners insurance in August of 2021 which I think is illegal. A No Go warning means that the bank has determined that the borrowers have fallen behind in their payments. The homeowner paid all six payments in a timely manner, but didn't receive his permanent loan modification yet. At best Selene is a poorly run company. Thank you. A foreclosure when the bank failed to perform under the law. Selene closed its office in Horsham, Pa. in 2020. more attainable than ever. Going Through Probate and Avoiding Foreclosure On An Inherited House. The reason that I can help is I originally started doing this as a way to do foreclosure prevention for the homes in my area because our foreclosure rate had doubled by 50% let alone in 6 months. Executive Resolution Team. N.A.C.A did get me through to Selene & I had to accept their shady extremely unfair loan modification. It was either accept the awful offer or lose my home after 13 years! Disabled vet forclosed without knowing they were my morgage company, Can someone help? Selene Finance is unethical to work with. They are very non helpful and threatening. I have called Selene Finance over and over with no real explanation of why I owe. I get a lot of listings from Selene. Bank of America allowed this so we would not fall farther behind. (Filing fee $ 402 receipt number 0540-8429702), filed by Wilmington Savings Fund . For more than 15 years we have helped nearly 50000 customers resolve their issues and will never stop striving to ensure further improvements on our platform for a better communication between companies and customers. They will help you through every step of the way. They told me to put 15k down then payments would be 1700/mo. They just sent me a new modification with payment 250.00 more than the modified payment thru shellpoint with a 60k balloon payment and want me to do another 3 month trial period. During the review period, loans in foreclosure and REO. I want answers! Claim This Company Page Read More Contact Who is Selene Finance LP Headquarters 3501 Olympus Blvd Ste 500, Dallas, Texas, 75019, United States Phone Number (877) 768-3761 Website www.selenefinance.com Revenue $88.7M Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. There was . Selene Finance with a incredibly poor track record and numerous customer service complaints essentially acts as the hatchet man for large banks with deep pockets. 207 E. Canyon St., Colfax, WA 99111. in order to address Mr. ****'s concerns, we respectfully request he provide a valid Selene account number and/or the property address. See details. Giving me 3 days to respond or they are moving forward with foreclosure. See our About Us page for our qualifications and experience. This lawsuit represents the largest class action lawsuit ever filed in U.S. history, and it is on the verge of receiving a major breakthrough. Where is the homeowners assistance program department that is supposed to deal with these payments? Selene employees would often talk about the LRD committee that makes the decisions, but only one promised us a phone number that never responded. Selena Finance has a policy of holding all homeowners in custody until the courts have had time to rule. After bankruptcy is over will Selene cause us issues? Mortgage servicers are also regulated by federal law, particularly the Real Estate Settlement and Procedures Act (RESPA). Terms of the loan modification were six (6) monthly trial payments of $674.13 (starting in January 2013) in order to receive a permanent loan modification. President and Chief Executive Officer @ Selene Finance Senior Managing Director @ Pretium Partners, LLC President, Servicer Solutions @ Altisource see more Senior Vice President, Real Estate Services @ Altisource Vice President, Business Operations - Auto Finance @ Capital One Vice President, Chief Operations Officer, Installment Lending and Sb Credit Card @ Capital One Cours. My issue was not acknowledged or resolved. Others said that they didn't know it and others said that we were not allowed to talk to the LRD. How To Stop A Foreclosure Auction Immediately, How To Stop Foreclosure At The Last Minute, Can You Stop A Foreclosure Once It Starts, How Can A Foreclosure Process Be Temporarily Stalled. Fax us at (866) 926-5498. No one can explain where the extra money is coming from.