Letter to your mortgage servicer.

[sje123]

A friend sent something similar to a bank and they basically said they don't have to send any of this.

[TomnTex]

Question for those that might know. I am current in my loan with Case, the problem lies in that they claim this year that my escrow account is way low this year and are charging me a little more than a hundred dollars a month extra to catch it up. I know that my county screwed it up some, but are suppose to be making it right.

So, will the original letter on here help me to find out whats going on and straighten it out?

Thanks guys, and gals.

[dialemback]

now we need a question list for debt collections (credit card [fees], medical [overcharge])

 

I tell the phone people I have an attorney and they must stop, they may snail mail to request contact information AND a debt summary

 

By making myself a more difficult target they typically move along quietly

[Young7952]

Thanks for sharing.

[rebornRN]

I'm fixing to refinance. By sending this letter, how do I use it to remove/lower the fees that are in my final payoff amount?

[MindBend]

Good stuff.

As soon as I get my scores up, gonna refinance, so might be a good time to shake the tree.

Would this be a good platform in getting some reporting lates modified is there's some malfeasance in the findings?

 

My mortgage is current, etc. but in 2010 or so, had some financial difficulties and had to work out a restructuring with them.

[jasen_v2.0]

I was having a problem with my loan servicer incorrectly telling me were behind on our PMI (private mortgage insurance) by hundreds of dollars (they were listing it as $270/mo rather than $27, and we no longer even carried it, as the mortgage was < 80% of the home's value by then).  Repeated phone calls and letters had no result for months.
Finally, I sent this letter, and mentioned being concerned about RESPA violations.

I got a print out of the full accounting of the mortgage within two weeks, and a "Oh, we see there was an incorrect decimal place in the PMI calculation, so sorry" letter with it.  Two months later, the mortgage was sold to Bank Of America ?.  It's possible that was already in the works and just a coincidence, but I really think someone higher up realized how much they screwed up and decided they had to pass that hot potato before I figured out something and sued them.

No point here, other than some anecdotal support for the value of a qualified written request any time you have a problem with your servicer.