My current Mortgage Lender "Mortgage Services also known as PHH has basically screwed me over from the beggining. January of 2008 I became ill and was out of work for 3 months with no income. I fell behind 1 month on my mortgage and in March of 09 I filled the paper work out for a Mortgage refy. Now as of Sept. I have fallen 2 months behind which they are now saying I must make a double payment otherwise they cannot except anything from me. Had they helped with the refy, this may not have ever happened!