Homeq Servicing Ripoff! Missed Escrow payments, Late payments & Harrassing calls Sacramento California

I have recently found out that Homeq Servicing, who insisted that they carry my homeowner's insurance on my loan for my house, has not paid my homeowners insurance on time and I have not have homeowners since July of 2004 and it is now the end of April 2005.

How has it been that I have not recieved any notice that this was done. When I called Homeq, they told me that they sent the payment out in November 2004. Please tell me how you are to pay a homeowner's policy 6 months later and not have it cancel?

If my home would have caught on fire or something, heaven forbid, we would have nothing. I still have no coverage because I am waiting for the insurance company to come back to me and approve me for coverage.

Now instead of paying a few hunderd dollars for the coverage, I now have to pay over $1000. Which will make my payment go up. I was laid off from my job in August of 2003 and fell behind one payment. I asked for help from them to make a payment plan. They helped me with a nice little payment plan, that always kept me one month behind on my mortgage and made my credit rating worse than ever.

I also recieved the nasty harrassing phone calls beginning the second of every month and does not stop until the 30th. I cannot even count how many times a day. There has got to be something I can do about these people. THIS IS INSANE!

Get me away from Preditory Lenders
York, Pennsylvania
U.S.A.