Our mortgage was taken over by these thieves Jan 02. Since then we have had a late charge added to our acct since they keep saying they didn't get our first payment. We made the first payment to our prior mortgage co (Ocwen - another rip off scam business). Ocwen assures us that they credited Fairbanks that payment. However, its still showing as outstanding with almost double late fee charge as the payment itself!
Then we receive a notice of "Annual Escrow Account Disclosure Statement". Says we owe them over $1600.00. When I called to find out how they got that amount I get told that they don't know and their research dept will get back to me within 30-60 days! When I faxed them our last statement from Ocwen showing a $0 escrow amount before we were sold but they have no explanation. They said it was for taxes once. I said that we pay our taxes ourselves since its not included in our mortgage and show them proof from our tax office that our taxes were paid ONCE - by us. No additional payments made by them. Then they said it was for insurance. I again (for the fifth time) send them proof of us paying our own insurance on the house - again not included in our mortgage. They can't explain this $1600.00 they want off us nor will they take the amount off. At this point I want to start a lawsuit against them because they are trying to swindle money out of us - money we don't owe.
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