In May 2004 we were in arrears with our payments to Matrix and they were forclosing on us. We sent them a Check for $16,100 via Sandy Topliff,in the forclosure department, to make up the arrears and bring our account current through May.

We were sent a payment booklet and made payments for June and July which were cashed by Matrix. We also sent payments for Aug. Sept and Oct which were not cashed or returned. When we called Matrix to find out what was going on we were told by Kim Banks, escrow lead for Matrix, that the account had gone into forclosure because of no June payment received.

We were told that there was an additional amount of $6,755.86 now due to bring the account current. We paid that amount also and requested a payment history and escrow account summary which was sent to us on Oc. 14, 04 however they had already filed another notice of forclosure with Santa Cruz county on Oct. 13. We had no time to review the informationor contest anything.

When we did receive the information 12 days later we noticed that there was no payments recorded in May for $16,000 or the June and July payments. We received no notifacation about any of this until we called to find out about the uncashed checks and then they and Executive Trustee Services sent us the notice of forclosure.

As we finally received the account information we also received notice from Matrix and Dovenmuehle Mortgage Inc. that the servicing of our account was now turned over to Dovenmuehle. We have not been able to reach anyone at Matrix to correct the errors and Dovenmuehle only passes us around from department to department when we call them for information. This is the same result when we send certified mail to them.

We have a very bad mark on our credit now because of this and both companies refuse to do anything about their accounting error. The company that wants to refinance this loan will not do so until this poor credit rating has been cleared up but we can't get any one at either company to do anything.

CA
Ben Lomond, California
U.S.A.