I bought my home in June of 2006 for 105, 000. In the fall of 2007, I had a problem with my bank and my morgage payment went missing. I called Chase and explained what happened. I was put on a repayment plan but before I could make my 1st payment the same thing happened the next month. I again called Chase and told them what was going on. I was put on another payment plan. I made my first payment the following month and got a letter saying I was not in complience. The payment was not recieved in time?! So they re-started the payment plan. I made the payment by there specifications and sure enough the next month I was told I was not in complience because the payment was not recieved in time. So yet again they restarted the payment plan. This is now the 5th time the plan was restarted and I was nailed with fee's for non-complience. At that time I was told my non-complience was because the payments were being recieved TOO EARLY. IT HAD TO BE MADE THE DAY DUE. I made the payment and sure enough yet again I was told I was not in complinece and since I was somehow now SIX MONTHS behind they were going to start forclousre. I asked for a loan modification and they said they would look into it. Long story short, I continued to make my payments, they continued the forclousre process AND the loan modification while th fee's piled up. At one point, I was told this was common for the two processes to coinside until one took over the other. It got so far that I had a auction notice nailed to my door when low and behold the loan modification was complete. However now that the loan was in default over a year (where did all the payments go I made each month?) The modification had to restart the loan. I had 1. certified letter fee's 2.filing fee's 3. court fee's 4. foreclousre fee's 5. loan modification fee's 6. late paymet fee's 7. a year of missed payments (still wondering where all my payments went?) in addition to the loan. The loan was rewrote of 109, 500 and payments set.This was finalized in April of 2008. In August of 2010 the loan was sold to LBPS. I was sent paper work stating that they purchased the loan and the pricipal balance was 105, 000 (where did the 4, 500 go?) I made my payments on time and in October I recieved a letter stating due to a escrow alaiasis(sp?) My payment was going up because my escrow was negative. I found out that Chase had not been putting the correct amount into escrow each month and was making money off me for my escrow being in constent negative balance. If that's not bad enough, the insurance informaton that was transfered over was over $100 too much. I almost lost my house due to Chase and would like the seek restitution for what I went through!