Has been "processing" my loan payments since June, 2010. I was using Equity Accelerator to make my payments. I had automatic draft and my entire payment was made to LBPS. It took three months before they credited any payment to my mortgage (although the money was withdrawn). When I complained they told me they did not accept Equity Accelerator plans (although they did receive the money on time). When they finally credited my account, the entire amount went to the principal (ignoring my property tax escrow and home owners insurance.) I complained. I was told it would be "taken care of". The monies were eventually credited properly. In the meantime LBPS has raised my payment by over $130.00 each month and destroyed my excellent credit rating. To explain the entire history of this disaster would require at least 40 pages.
I didn't refinance. I was simply minding my own business and this IBM owned company has destroyed my financial life along with hundreds of thousands of others.