As your loan servicer, Selene Finance LP is committed to doing everything we can to meet the needs of our customers with the solutions, support and … See more
hands down freaking horrible, am i saying this because i am late on payments, not at all paid house off in 9 years and still live in it- they suck- customer service sucks- whole company does run run run run run find someone else run run run run run run run as fast as you can run now go to any other bank run
Awful customer service.. Cashed my money order and did not apply it to my account. Then I resent them another payment and they rejected it since it was not for 2 months.. Stay away if you can!
They made a mistake on applying funds properly when taking over my loan servicing and some how manage to treat me like it was my fault. Horrible customer service!!
CLASS ACTION LAWSUIT PEOPLE!!! I recently saw a vacant house in my neighborhood and wondered who the heck is Selene Finance LP… Now I know… After reading all these comments ya’ll need to file a lawsuit!!!
They lied to me about a modification, sent them the same page for 3 months there excuse was I was sending the wrong one, sent all the ones they asked for only to tell me no, also they put me on an illegal probation after B.O.A had already …
Absolute worst company ever! Made an incredibly difficult time even worse with their incompetence and providing wrong information. Completely unreasonable and unwilling to provide the most basic customer service.
There service, is bad, I have been trying to get information from them, I was told that I would receive in mail, still have not, then I was told that they would expedite my request to whom ever is the manager. I am so disappointing and frustrated, this has been going on for a month. I am going to complain to the BBB.
Crooks and shysters. They try to steal your house. They say they are going to record your call but when you tell them you are going to record it also they tell you to not record the conversation. If you are dealing with crooked company please hire an attorney and fight them.
Very good service my aunt was working with Wells Fargo before they transferred over to Selene. It was the best we accomplished a modification and remain happy with them
Stupidest policies ever. $150 fee to manage an offer on a foreclosure? WITH the option to reduce the Realtor’s fees. I wouldn’t put a dime in this bank.
If I could give no stars I would – worst mortgage company ever – thanks a lot Bank of Amer for selling my mortgage to these people – it’s been nothing but headaches ever since!
A national company with one phone number and on one answers it, you just leave voice mails. The phone calls still have not been returned. This truly sucks. I would never borrow from them or do any other business with them.PERIOD!
Horrible. I mean horrible. you don’t wanna deal with these people, there scammers. worst company of 2018. Starts with the employees all the way to Ceo. Terrible company. If I can give no stars for a review I would. There that bad.
This company is the worst that I have ever seen in life. Poor customer service skills and very little knowledge of what they are doing. Calls are rarely returned. One star is too much credit.
So hard to deal with. I am refinancing my home JUST to get away from these horrible, horrible people. I have over an 800 credit score and this debt collector bought my home loan and now I get treated like I’m in collections every time I deal with them. Where is the ZERO stars option?
They misrepresented what we were doing on my loan and did not given me proper information and lied to me on the phone. Run away or refinance as quick as you can. Don’t make my mistake.
They are scammers. Do not fall for their cons and bullying! They are not even authorized to sell or buy real estate . I went to their offices in Houstob and the building is empty. People we need to get together and sue the hell out of this phony company
I can not believe this company is still in business. Customer service is horrible!!! To get anything from them can literally take weeks, just to get a respond . …
Unfortunately, our mortgage was sold to this big bag of suck. Words cannot adequately express what a terrible, shady company this is. If we were going to stay in our home long-term, we would refinance just to get away from them. Run don’t walk!
customer service is TERRIBLE, TERRIBLE, TERRIBLE. too bad we have absolutely no power over who our mortgages are sold to. the company doesnt respond to customer complaints of awful call center people who are rude and even hang up on you when you request their name and a supervisor. no accountability
Selene sits on dilapidated/upside-down properties because they refuse to take the loss, even though these properties will NEVER sell for what is owed on them. These properties are not maintained and lower the property values surrounding them. Very poor business model and I feel badly for any investor/partner in the business.
Working as an agent representing a buyer on a foreclosed home I can honestly say these are some of the worst people we have ever worked with. They send contract addendums making demands of a buyer that are BARELY legal ( charging $ 100 a …
Escrow problems! Bank of America sold mortgages to Selene Finance. Selene Finance in return kicked the families out in the streets! Mostly Veterans! No communication what so ever, poor customer service. Get a Lawyer! Your about to loose …
You have the worst website design on earth it is terrible, your customer service is terrible, your password policies are terrible. God have mercy I would pay to switch mortgage companies you are the absolute worse. Please sell my mortgage to a competent company so I can never deal with you again.
The company are beyond fraud, bad customer service and horrible ModificAtion. I applied for a Hamp ,got approved and then was told the mortgage would be higher and it will start all over again from 30 years. A hamp modification is …
Poor customer service, and irresponsible accounting. We have never been late, and have paid months in advance. We paid a large sum once – with a portion to be the normal monthly payment and a larger portion to be applied to principal. They …
ZERO STARS IS WHATS DUE, had to check 1 star!! I’ve been going around & around with Selene since January 2021 on my account. Spoke with MANY supervisors on my account & promised calling me back, didn’t happen!
Worst mortgage company and customer service I have ever had! They harass you EVERYDAY after the 15th with 3 calls a DAY if you’re late even after you inform them it will be late; Completely unnecessary and adds unwarranted , additional pressure to the clients! Why would a company do this just because it is policy?ABSURD!
You ask for a modification because your struggling to make a payment, yet they won’t lower it to help out someone on disability. When I was with Bank of America I was making less and had more debit and they lowered it for me, not these …
Very shady practices. Do your research on these people. Make sure to tape any conversations you can and keep all of your documents handy. We were offered and paid for a payoff and they reported a foreclosure, then “Fixed” the problem and …
I wish to God I could get away from this terrible company. They won’t let you speak to a manager, the women are the worst — poor attitudes, it’s a small call center with folks that rip you off. Hey Jason, maybe someone will start a class …
Selene Finance is the devil. Our mortgage was sold to them with out our permission. We made our house payment on time, we also like to pay 20 extra dollars to our principal which just happens to be the same amount as the late fee. They …
They have refused to work or provide assistance to repair my home from Hurricane Harvey. They are holding 38,677.24 of my repair money fron TWIA. My contractor told me he refused to do any more work due to their lack of customer service in providing me funds. Really poor company and bunch of crooks as far as my experience.
Customer Service is the worst I’ve ever had. Long hold times, unable to resolve issues, and I’ve been sent to voice mail of anonymous person rather than being talked to. Website is next to useless. These guys are a breath above a scam, and not much else.
Worst company to deal with! My previous home, given to my ex during our divorce almost EIGHT years ago, was recently foreclosed on. Selene Financial didn’t notify me, yet reported that I foreclosed, though I no longer owned the house and …
They took over my payments in August of 2014 never late paying April of 2015 decided to quit taking my payments because of a descrempacy between the paperwork when they took over my loan now I have spent money on lawyers fees to help keep …
Horrible experience. Tried to get them to work with us when we had a reduction in income. They kept dragging everything out until we had to start all over. Later we tried to do a deed in lieu of foreclosure and they did the same thing and …
Selene Finance is HORRIBLE!!!
I was helping friend purchase a home because she has a reading disability and I read and sign everything for him. We went to Selene Finance and we were approved …
If I could give this company 0 stars I would. They sold my loan to another company with no warning. I know this is common occurrence but when I called to find out how I could get a mortgage report with my history and payoff, they told me …
We are a real estate title company. I requested a payoff for the sale of a home on Monday, Sept 16th. On Wednesday, Sept 18th, I requested the request be escalated. All along I have kept record of everyone I spoke with. All along I informed …
I have a mortgage with this company and I can never get through to them their 800# is non accessible from my area and i’m given the run around every time I try to e-mail them. I never get a call back. …
Our mortgage was sold to Selene Finance over six years ago and it has been a nightmare. The customer service department is very unprofessional and rude. We requested a written payoff letter since August 15th and have yet to receive anything …
Worst finance company in the history of EVER! My loan has been paid off for going on 3 months now. I still have not received my escrow check to the tune of over $1300, I have not received a Notice of Satisfaction of the loan nor my 2015 …
This company bought my mortgage from a different company and we’ve had nothing but trouble with them. We had trouble logging in to pay our mortgage using the known password and our account was locked. You cannot reset your password and …
HORRIBLE. They simply had to endorse a check we received after a claim for our roof from hurricane Irma and get it back to me. Apparently, they just send $8000 checks via regular USPS mail without any kind of tracking. TIP: Send a trackable …
FIRST I would like to say I have never been late on my loan since they took it from Bank-of-Scam America. Selene Finance should be shut down! I’m surprised we have not heard of a shooting at that place. From what I gather all they do is try …
I am not one who writes many reviews much less, bad reviews. However, at this point, after several bad experiences with this company,
I would give this company 1/2 star or no stars if the program would allow me to …
I am a Real Estate Broker who has a client that has his home sold and we are ready to close. Trying to get the pay off from Selene Finance was a nightmare. The title company looked over the fees and statements on the pay off documents they …
I called and at first very unprofessional. Got transfered to a lady named Trecia.she made the unpleasant call more better.she took the time and hear me out and resolve my matter.hopefully company promotes her to teach other co-workers how to help a customer out.thank you Trecia you made my day.
If you get even a month behind, they will start sending foreclosure demands. Then, they will charge you an “administrative fee” for sending someone out to your house to see if you still live there. …
Absolute worst experience I have ever had with a mortgage company, and as a Realtor that’s saying something I think. The way that their so-called customer service call center is organized, no one has direct numbers, so every time you call …
Selene Finance bought our mortgage company. We had excellent payment history. We lost our house in the Camp Fire on November 8, 2018, we called them on November 9, 2018 They refused to speak with our insurance company regarding the total …
Worst finance company I have ever come across. Made a payment on my escrow to lower my monthly bill and because I did not pay the escrow in full they would not adjust my monthly payment. Lady said it is their policy and could not adjust the …
This company is an absolute joke. For the record, I did not choose them. My loan was transferred from Veterans United to Selene without my consent. Customer service for Hurricane Florence disaster assistance and claim resolution was …
Very bad customer service. Took months to correct my escrow to pay my insurance. They sent checks to the wrong places. Just very very bad experience. No one seems to know what’s going on ever.
They use a signing service called secured Signing who doesn’t pay it’s Notaries. They just use them at the time of closing and when it comes time for payment they say they’re waiting on the title company if they ask you for work it’s legit but if you wanna get paid runnnnnnn!
ZERO stars if I could. Worst, worst mortgage company I have ever dealt with. I am now in my 80th day of trying to close my VA refinance and this has been dragged on because Selene is a petty and stupid company. While this process was going …
Still the worst…How they remain with in Business is they buy loans. They are the worst. If you have a choice, do not pick this company. MY home was damage during the winter store in February. I am still in a Hotel with no real clue as …
I am in awe that a company this horrible is still in business. I haven’t received a mortgage statement in six months. I’ve called and spoken with their rude customer service, left voicemails and sent emails with no response. You would think …
Actually my bank had a hard time managing my loan, Selene took over the processing and all went smoothly. Nothing negative to say. They are not well versed in government programs otherwise i would have giving them a five star.
This organization purchased my mortgage loan and would not honor the previous payment arrangement I had. They demanded I pay the entire amount that accrued during the Covid Relief forbearance and would not acknowledge the payment plan or …
I could never explain in words how frustrated I’m with this company. Please does anyone know how we can file a class action lawsuit against this company? Reading all this reviews, I’m not the only one going thru this nightmare. I even read …
Absolutely worst mortgage company to deal with. After my mortgage got sold to this company it’s been nothing but problematic. They don’t honor previous arrangements. Do not trust this company and get everything in writing.
This company is the worst mortgage company I have ever had to deal with.
I have been in my home for 20 years and my mortgage has changed have numerous times this is the worse!!! After making 4 payment they notified me to say I have a …
Low budget
Awful to work with.
Horrible in every way
Good Company 😀
Horrible Service
This place has the worst customer service.
Zero stars.
No help what so ever I would never to business with this company
Horrible people to deal with trying to get documents for a refinance and they say wait 60 days huh I pay u now where of my service
I’m sorry but there is not a button for zero stars.
Worst finance company ever!!!! They don’t know how to do their job and they get mad if a customer complaints due to their incompetency.
This is the worst company I have ever contacted. I have sent payment by Bill pay through my bank and they deny getting them.
I purposely got hung up on by somebody who did not want to do their job after being on hold for 10 minutes great company to have my mortgage with
They finish paperwork so slow. The company is very inflexible. I feel like I am dealing with the u.s. gov.
Poor, they play games, they won’t work with you.. more people need to file complaints about this company with th Dividion of Banks in your states.
HORRIBLE customer service! Waiting on the overpayment of our mortgage payoff for 4 months now! DO NOT work this company!
hands down freaking horrible, am i saying this because i am late on payments, not at all paid house off in 9 years and still live in it- they suck- customer service sucks- whole company does run run run run run find someone else run run run run run run run as fast as you can run now go to any other bank run
At 10Am central on a Monday, when calling, it still says the company is closed and opens at 8am central.
Awful customer service.. Cashed my money order and did not apply it to my account. Then I resent them another payment and they rejected it since it was not for 2 months.. Stay away if you can!
I mail or overnight the payment but yet it’s late. Sent confirmation from post office. The wouldn’t accept it. I truly dislike this company
They made a mistake on applying funds properly when taking over my loan servicing and some how manage to treat me like it was my fault. Horrible customer service!!
CLASS ACTION LAWSUIT PEOPLE!!! I recently saw a vacant house in my neighborhood and wondered who the heck is Selene Finance LP… Now I know… After reading all these comments ya’ll need to file a lawsuit!!!
They lied to me about a modification, sent them the same page for 3 months there excuse was I was sending the wrong one, sent all the ones they asked for only to tell me no, also they put me on an illegal probation after B.O.A had already …
My house burned down in January it’s now May and they still haven’t helped us not very professional
If you want to hide information put it in your account. These people don’t read anything. Can they read?
Absolute worst company ever! Made an incredibly difficult time even worse with their incompetence and providing wrong information. Completely unreasonable and unwilling to provide the most basic customer service.
There service, is bad, I have been trying to get information from them, I was told that I would receive in mail, still have not, then I was told that they would expedite my request to whom ever is the manager. I am so disappointing and frustrated, this has been going on for a month. I am going to complain to the BBB.
Crooks and shysters. They try to steal your house. They say they are going to record your call but when you tell them you are going to record it also they tell you to not record the conversation. If you are dealing with crooked company please hire an attorney and fight them.
Very good service my aunt was working with Wells Fargo before they transferred over to Selene. It was the best we accomplished a modification and remain happy with them
Stupidest policies ever. $150 fee to manage an offer on a foreclosure? WITH the option to reduce the Realtor’s fees. I wouldn’t put a dime in this bank.
If I could give no stars I would – worst mortgage company ever – thanks a lot Bank of Amer for selling my mortgage to these people – it’s been nothing but headaches ever since!
A national company with one phone number and on one answers it, you just leave voice mails. The phone calls still have not been returned. This truly sucks. I would never borrow from them or do any other business with them.PERIOD!
Horrible. I mean horrible. you don’t wanna deal with these people, there scammers. worst company of 2018. Starts with the employees all the way to Ceo. Terrible company. If I can give no stars for a review I would. There that bad.
This company is the worst that I have ever seen in life. Poor customer service skills and very little knowledge of what they are doing. Calls are rarely returned. One star is too much credit.
So hard to deal with. I am refinancing my home JUST to get away from these horrible, horrible people. I have over an 800 credit score and this debt collector bought my home loan and now I get treated like I’m in collections every time I deal with them. Where is the ZERO stars option?
They misrepresented what we were doing on my loan and did not given me proper information and lied to me on the phone. Run away or refinance as quick as you can. Don’t make my mistake.
I had to take a picture of my review because they would not allow me to post it
They are scammers. Do not fall for their cons and bullying! They are not even authorized to sell or buy real estate . I went to their offices in Houstob and the building is empty. People we need to get together and sue the hell out of this phony company
I can not believe this company is still in business. Customer service is horrible!!! To get anything from them can literally take weeks, just to get a respond . …
Unfortunately, our mortgage was sold to this big bag of suck. Words cannot adequately express what a terrible, shady company this is. If we were going to stay in our home long-term, we would refinance just to get away from them. Run don’t walk!
customer service is TERRIBLE, TERRIBLE, TERRIBLE. too bad we have absolutely no power over who our mortgages are sold to. the company doesnt respond to customer complaints of awful call center people who are rude and even hang up on you when you request their name and a supervisor. no accountability
Selene sits on dilapidated/upside-down properties because they refuse to take the loss, even though these properties will NEVER sell for what is owed on them. These properties are not maintained and lower the property values surrounding them. Very poor business model and I feel badly for any investor/partner in the business.
Working as an agent representing a buyer on a foreclosed home I can honestly say these are some of the worst people we have ever worked with. They send contract addendums making demands of a buyer that are BARELY legal ( charging $ 100 a …
Escrow problems! Bank of America sold mortgages to Selene Finance. Selene Finance in return kicked the families out in the streets! Mostly Veterans! No communication what so ever, poor customer service. Get a Lawyer! Your about to loose …
You have the worst website design on earth it is terrible, your customer service is terrible, your password policies are terrible. God have mercy I would pay to switch mortgage companies you are the absolute worse. Please sell my mortgage to a competent company so I can never deal with you again.
The company are beyond fraud, bad customer service and horrible ModificAtion. I applied for a Hamp ,got approved and then was told the mortgage would be higher and it will start all over again from 30 years. A hamp modification is …
Poor customer service, and irresponsible accounting. We have never been late, and have paid months in advance. We paid a large sum once – with a portion to be the normal monthly payment and a larger portion to be applied to principal. They …
ZERO STARS IS WHATS DUE, had to check 1 star!! I’ve been going around & around with Selene since January 2021 on my account. Spoke with MANY supervisors on my account & promised calling me back, didn’t happen!
Worst mortgage company and customer service I have ever had! They harass you EVERYDAY after the 15th with 3 calls a DAY if you’re late even after you inform them it will be late; Completely unnecessary and adds unwarranted , additional pressure to the clients! Why would a company do this just because it is policy?ABSURD!
You ask for a modification because your struggling to make a payment, yet they won’t lower it to help out someone on disability. When I was with Bank of America I was making less and had more debit and they lowered it for me, not these …
Very shady practices. Do your research on these people. Make sure to tape any conversations you can and keep all of your documents handy. We were offered and paid for a payoff and they reported a foreclosure, then “Fixed” the problem and …
I wish to God I could get away from this terrible company. They won’t let you speak to a manager, the women are the worst — poor attitudes, it’s a small call center with folks that rip you off. Hey Jason, maybe someone will start a class …
Oh my . . . SELENE FINANCE ROCKS!
After seeing just horrible, nasty customer reviews about my mortgage servicer, I …
Selene Finance is the devil. Our mortgage was sold to them with out our permission. We made our house payment on time, we also like to pay 20 extra dollars to our principal which just happens to be the same amount as the late fee. They …
They have refused to work or provide assistance to repair my home from Hurricane Harvey. They are holding 38,677.24 of my repair money fron TWIA. My contractor told me he refused to do any more work due to their lack of customer service in providing me funds. Really poor company and bunch of crooks as far as my experience.
Customer Service is the worst I’ve ever had. Long hold times, unable to resolve issues, and I’ve been sent to voice mail of anonymous person rather than being talked to. Website is next to useless. These guys are a breath above a scam, and not much else.
Worst company to deal with! My previous home, given to my ex during our divorce almost EIGHT years ago, was recently foreclosed on. Selene Financial didn’t notify me, yet reported that I foreclosed, though I no longer owned the house and …
They took over my payments in August of 2014 never late paying April of 2015 decided to quit taking my payments because of a descrempacy between the paperwork when they took over my loan now I have spent money on lawyers fees to help keep …
Horrible experience. Tried to get them to work with us when we had a reduction in income. They kept dragging everything out until we had to start all over. Later we tried to do a deed in lieu of foreclosure and they did the same thing and …
Selene Finance is HORRIBLE!!!
I was helping friend purchase a home because she has a reading disability and I read and sign everything for him. We went to Selene Finance and we were approved …
If I could give this company 0 stars I would. They sold my loan to another company with no warning. I know this is common occurrence but when I called to find out how I could get a mortgage report with my history and payoff, they told me …
We are a real estate title company. I requested a payoff for the sale of a home on Monday, Sept 16th. On Wednesday, Sept 18th, I requested the request be escalated. All along I have kept record of everyone I spoke with. All along I informed …
I have a mortgage with this company and I can never get through to them their 800# is non accessible from my area and i’m given the run around every time I try to e-mail them. I never get a call back. …
Our mortgage was sold to Selene Finance over six years ago and it has been a nightmare. The customer service department is very unprofessional and rude. We requested a written payoff letter since August 15th and have yet to receive anything …
Worst finance company in the history of EVER! My loan has been paid off for going on 3 months now. I still have not received my escrow check to the tune of over $1300, I have not received a Notice of Satisfaction of the loan nor my 2015 …
This company bought my mortgage from a different company and we’ve had nothing but trouble with them. We had trouble logging in to pay our mortgage using the known password and our account was locked. You cannot reset your password and …
HORRIBLE. They simply had to endorse a check we received after a claim for our roof from hurricane Irma and get it back to me. Apparently, they just send $8000 checks via regular USPS mail without any kind of tracking. TIP: Send a trackable …
FIRST I would like to say I have never been late on my loan since they took it from Bank-of-Scam America. Selene Finance should be shut down! I’m surprised we have not heard of a shooting at that place. From what I gather all they do is try …
I am not one who writes many reviews much less, bad reviews. However, at this point, after several bad experiences with this company,
I would give this company 1/2 star or no stars if the program would allow me to …
I am a Real Estate Broker who has a client that has his home sold and we are ready to close. Trying to get the pay off from Selene Finance was a nightmare. The title company looked over the fees and statements on the pay off documents they …
I called and at first very unprofessional. Got transfered to a lady named Trecia.she made the unpleasant call more better.she took the time and hear me out and resolve my matter.hopefully company promotes her to teach other co-workers how to help a customer out.thank you Trecia you made my day.
If you get even a month behind, they will start sending foreclosure demands. Then, they will charge you an “administrative fee” for sending someone out to your house to see if you still live there. …
Absolute worst experience I have ever had with a mortgage company, and as a Realtor that’s saying something I think. The way that their so-called customer service call center is organized, no one has direct numbers, so every time you call …
Selene Finance bought our mortgage company. We had excellent payment history. We lost our house in the Camp Fire on November 8, 2018, we called them on November 9, 2018 They refused to speak with our insurance company regarding the total …
Worst finance company I have ever come across. Made a payment on my escrow to lower my monthly bill and because I did not pay the escrow in full they would not adjust my monthly payment. Lady said it is their policy and could not adjust the …
This company is an absolute joke. For the record, I did not choose them. My loan was transferred from Veterans United to Selene without my consent. Customer service for Hurricane Florence disaster assistance and claim resolution was …
Very bad customer service. Took months to correct my escrow to pay my insurance. They sent checks to the wrong places. Just very very bad experience. No one seems to know what’s going on ever.
They use a signing service called secured Signing who doesn’t pay it’s Notaries. They just use them at the time of closing and when it comes time for payment they say they’re waiting on the title company if they ask you for work it’s legit but if you wanna get paid runnnnnnn!
ZERO stars if I could. Worst, worst mortgage company I have ever dealt with. I am now in my 80th day of trying to close my VA refinance and this has been dragged on because Selene is a petty and stupid company. While this process was going …
Still the worst…How they remain with in Business is they buy loans. They are the worst. If you have a choice, do not pick this company. MY home was damage during the winter store in February. I am still in a Hotel with no real clue as …
I am in awe that a company this horrible is still in business. I haven’t received a mortgage statement in six months. I’ve called and spoken with their rude customer service, left voicemails and sent emails with no response. You would think …
HORRIBLE CUSTOMER SERVICE!!!!
We have been waiting on a payoff from this lender for two weeks now with nothing …
Company is a scam. They have my earnest money and never paid me back. I want my money back.
Actually my bank had a hard time managing my loan, Selene took over the processing and all went smoothly. Nothing negative to say. They are not well versed in government programs otherwise i would have giving them a five star.
This organization purchased my mortgage loan and would not honor the previous payment arrangement I had. They demanded I pay the entire amount that accrued during the Covid Relief forbearance and would not acknowledge the payment plan or …
I could never explain in words how frustrated I’m with this company. Please does anyone know how we can file a class action lawsuit against this company? Reading all this reviews, I’m not the only one going thru this nightmare. I even read …
Absolutely worst mortgage company to deal with. After my mortgage got sold to this company it’s been nothing but problematic. They don’t honor previous arrangements. Do not trust this company and get everything in writing.
This company is the worst mortgage company I have ever had to deal with.
I have been in my home for 20 years and my mortgage has changed have numerous times this is the worse!!! After making 4 payment they notified me to say I have a …