I might be getting the run-around from this company.

Originally, I usually save up for my taxes, and pay the first half in January. Because I did not make it fast enough for them, with no explanation, they impounded the taxes, and was charging me over $4k when my actual taxes were $3200.00!

Spoke to them and told them the high jacked up amount now made it very hard for me to make those monthly payments. They w, and ere cold and indifferent, and in frustration, I hung up with no closer to any kind of resolution for either of us. I continued to make my usual mortgage payment, and any additional amount as I could manage

I then applied for a re-fi that May, and to my horror, they had reported me delinquent, and my credit score took a serious dive by200 points. I was livid, and called, but asked to speak to the dept. that handles modification loans. Spoke to a guy named Kevin who seemed very sympathetic, and re-assuring. He told me starting with the next payment, it would now be $1050 pmt per month, gave me a new address to send the payment, that it must be received by the 1st of each month; no grace period. It was also now to be a certified check - no personal checks. I would pay this until a decision was made. A week later and I rec'd paperwork for me to complete and turn in; which included 3-5-m years previous tax returns.

It's almost 6 months, and I have not heard a thing, or get an answer out of anyone. A note with a payment, and several calls attempting to find "Kevin" has been impossible. In the meantime, I not only receive the same monthly statements, and is claiming I am owing $4K+ to resolve and says I'm in default! I also get these short letters from them with the alternate address claiming my monthly payment is short!

One more month, and I will have to escalate this - one of my earlier conversations with them, I found out that they are just a "Lone Service Provider." So while this whole time I assumed they had purchased my loan from the old mortgage company, it turns out my loan is owed by Wells Fargo Bank.!! So I wonder if I will get a better shake going to them instead. I do hear though that they are rather ruthless, and have one of the worst records of coldness to people of color. (I suppose of course unless you are P Diddy or Bill Cosby)

I might add that having been single, very little established credit at the time, and being a cash and carry; then inheriting the house with my sibling, I could only get an ARM which I used to purchase our parent's house, and paid my sibling off. I have been having to Re-fi every other year at 8.5% since 2004, and by beginning 2009 had a credit score of 685.

Others I know that got modifications from their banks have waited up to 6 months.