Starting last July I've had problems with AHMSI, Option 1 whatever they call themselves... Last year they bounced my property tax payment. This year, once again they told us our escrow acct was short. It's been short every year since 2005. I know our taxes have gone up before, so I never questioned it, but this year they didn't. They told us we had a shortage of $901 and if we paid it in FULL our payment would go up $100 but if we didn't pay the $901 it would go up $175 a month!! (can you say fuzzy math?)
Upon further reading the statement for next year I saw there was an extra tax payment in July 2009! When I called to ask why I had 3 tax payments scheduled they told me it was "county tax" which is the most ridiculous thing I've ever heard of and she couldn't tell me to what county!
So for 6 weeks my husband and I called repeatedly to resolve this and have them take the extra payment off the schedule. Needless to say we were given the complete runaround. Finally I told them I was calling a lawyer and would send the usual payment. A week later on a Sunday(!) they called (from India) to demand payment for October. He told my husband the new payment. It was $10 more than our old payment which my husband told him we had already sent. We were told they couldn't accept that check because it was short and we should pay them over the phone (for a $17 fee!) My husband refused and was told if we didn't pay them in full with a new check in the next 5 days we would be charged a late fee.
So I went to the bank and stopped payment and sent them a new check for the new +$10 amt. We have been sent 3-4 statements this month. One saying they received the short check and that we owe them $10 +a $40 late fee. Then one saying they received the new check and were good till Dec. + late fee. Then one saying they received the new check and now we owe a late fee and a $20 returned check fee!!! Plus a letter saying if we didn't pay we would go into foreclosure (in one month?)
A month ago I requested my entire payment history from them. I can't get it online because they changed names and our loan number! I just got it yesterday. According to THEM, they paid my taxes 3 times this year too!!! Where's my extra $1500??
I've been getting collection calls from them too because now my Nov. payment was sent out 2 days before the late due date. I know they have it by now and it's just sitting on someone's desk... This has completely screwed up my meager finances-my husband was laid off for 8 months and we were never more than a few days late (I think only once). I don't even know where to turn anymore, lawyers really don't want to deal with this mess. I emailed our Attorney General in CT. Hopefullly he can help us. Any other suggestions?