I understand what you are up against, I am a Saxon consumer as well. The problem with all this is that even if you know you are right, it is very difficult to get help. Then, when you try to be pro-active, you know your reasoning is correct, but you are not a professional in the industry so they walk all over you. I have been through the escrow thing as well. I pulled my original closing documents out and looked at it and it does say that they can open an escrow without your authorization if they feel you have not met the requirements of tax and insurance in anyway. Even if you have they keep doing it to you. I had my own insurance, already paid for a year, they kept saying they were taking insurance out and charging me because I have not furnished proof of insurance. I had faxed it, had my insurance fax it, completed the info online. They even told me it was cleared up twice in writing. Then, 2 months later they are doing the same thing.
Its hard to get anywhere without legal representation, because they know you cant really do anything except keep on with the same old stuff. Then you are lucky if a lawyer will look at it, and if they do take it up. How do you know they will ever do anything. I have as of lately found some help on another issue with Progressive insurance and it is finally going somewhere. Now all this is comming up with Saxon, I too was late on payments, but sent 2 payments to them and then I would only owe one. I made sure I sent it before the 3 was actually due so they wouldnt be able to reject the partial payment. They apparently sat on it a week or so and said I was over 60 days and sent the check back demanding full default or foreclose. I have another weapon, and will let you know what to do after I see my professional on Tues. Or Wed. She is the head of legal at a university and specializes in consumer protection and deceptive trade. No one would even look at my progressive stuff, so I went to my university lawyer and she told me exactly how to get things to happen and I did it and it worked. I will go to her with this and I will do exactly as she says. If you are interested, let me know, maybe I can help. I want to help all of you!!! This is unethical, where are the ethics among our nation!!!
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