Posted on: 17th Jul, 2011 05:32 pm
Hi
I have been told from a company that is servicing my mortgage that I am behind two payments on my mortgage.
I have requested the dates of the payments missing since I do not make the payments they are taken out of my checking account by the bank. Their answer was to call the old service company Countrywide and ask them. Countrywide's answer was to send me the statement which is totally confusing with payments and reversals. A CPA would have a hard time working with their statement.
Their is $3000 of excess escrow they will not give me until the 2 payments are made. I cannot see making any payments until I know dates of when the payments are suppose to be missing so I can check with my bank.
Any advice. The service has said it is my responsibility to figure this out. I can't believe just because they say I owe it I have to pay without any backup.
Any advice would be appreciated this has been a terrible experience since the bank gave over the account to these service. It started in 2008 and has been a nightmare. Before the services when the bank took care of their own service I never had a bit of trouble.
Thanks
I have been told from a company that is servicing my mortgage that I am behind two payments on my mortgage.
I have requested the dates of the payments missing since I do not make the payments they are taken out of my checking account by the bank. Their answer was to call the old service company Countrywide and ask them. Countrywide's answer was to send me the statement which is totally confusing with payments and reversals. A CPA would have a hard time working with their statement.
Their is $3000 of excess escrow they will not give me until the 2 payments are made. I cannot see making any payments until I know dates of when the payments are suppose to be missing so I can check with my bank.
Any advice. The service has said it is my responsibility to figure this out. I can't believe just because they say I owe it I have to pay without any backup.
Any advice would be appreciated this has been a terrible experience since the bank gave over the account to these service. It started in 2008 and has been a nightmare. Before the services when the bank took care of their own service I never had a bit of trouble.
Thanks
Hi melw,
I can understand that you're in a tough situation. I will suggest you to contact Countrywide again and ask them to let you know the correct dates clearly. This might help you in solving your problem.
Thanks
I can understand that you're in a tough situation. I will suggest you to contact Countrywide again and ask them to let you know the correct dates clearly. This might help you in solving your problem.
Thanks
Your situation is really confusing. How about getting an expert to have it analyzed to determine who has faults.
Prepare a "qualified written request" to be sent to both lenders/servicers. By law the lender has 21 days to acknowledge your request and 60 days to cure any discrepancy or let you know why they are correct. Look up on your loan documents for more info on the QWR, which is a legal request, that the lender MUST adhere to. It falls under the Real Estate Settlement and Procedures Act. If they fail to comply, hire an attorney.
