My mortgage was sold to Litton Loan Servicing Nov. 2008. I was not escrowing my taxes and homeowners insurance. My property taxes are paid semi annually and were due on 7/31/09 and 1/31/10. Litton "Forced Escrowed" me in June. They paid my taxes on 6/3/09 that were DUE on 7/31/09."Forced Escrow" is done when you are delinquent in your taxes. I was not. I was not aware of this "Forced Escrow" until I tried to pay my taxes and was told they had been paid by Litton! Needless to say when I had sent my July payment (not including the forced escrow dollar amount) they had not "posted" it to my account because it didn't include the escrow amount, thus they charged a late fee. When I found out about the forced escrow, I reimbursed Litton 1/3 of the taxes and the remainder was reimbursed to them on 9/15/09. Now they're telling me I have accumulated late fees of $445.22??? Don't know what these late fees are for, but I refuse to pay them. I have a fixed rate loan and have NEVER been late in the 8 years I have had my loan. The mortgage company that sold my loan to Litton was Popular Mortgage and I believe the reason they sold it was because I had filed a complaint with the Attorney General's office about them. I had an escrow issue with them. It went like this, I refinanced to get a fixed rate with Popular Mortgage aka Equity One in May. I chose to escrow my property taxes and homeowners insurance and they were to pay my property taxes semi annually. Well, every July each year, they would pay my property taxes, then tell me that my taxes went up and I needed to send more money to bring my escrow account up to a positive number. It took three or more months EACH YEAR for them to straighten my account out.in the meantime, they would call me every day stating I was delinquent on my loan (this was again, because they would not apply my payment-I would only pay what the correct amount was). I have to say that I was literally crying one Saturday when they called. I was so tired of the automated phone calls that they said they could not stop, that is when I wrote to the Better Business Bureau and to the Attorney General's office. Once I got a response from the Attorney General's office that Popular Mortgage had to "answer my charges", that is when my loan was sold to Litton. Now I am having the same nightmare of sorts with them. I am ready to explode!!!
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