Ameriquest/amc/citi Resedential Lending Slammed us with forced escrow, paid our taxes early, forcing us to escrow next years insurance when our insurance automatically renews through our carrier Santa Ana California

I can not believe my eyes. We are also fighting AMC over the same issue. They paid our taxes early, and set up an escrow. Then they purchased insurance in March 2007 when we already had full coverage through another company. They set up escrow on that. My insurance company proved to them we had insurance, and then they dropped. Our insurance is 1300. a year. They purchased us insurance for 5000. a year.

After refunding the money to our escrow account, our escrow amount did not lower. As a matter of fact they have now escrowed us for insurance in 06/2008. I had my insurance company call them and three way me. They refused to listen to her. She explained to them the first time they were doubling insuring my house, and now they were expecting me topay for a policy they intend to purchase from my insurance company for us in 06/2008 when our policy automatically renews then. My insurance company told them they have never heard of such a practice.

It is unresonable to expect a homeowner to pay for insurance through their company and pay for next years through escrow. Our insurance is set up to be paid weekly out of my husbands check. It is never late. Between that and the taxes they paid on the first of Jan for us, they have managed to increase my house payment 960.00 a month. Even though we have paid of the amount of our taxes they paid, plus the tax that is due next year, plus extra insurance, our payment has still not gone down to what is suppose to be. No matter what they manage to keep us at 900. + extra a month.

Now we have been sold to Citi and they will not listen to us until 10/01/07. I even had an attorney send a letter of demand for them to stop. 3 months later they said they did not receive it, so I had my attorney fax it. 2 days later they said they did not receive it. Then my attorney called them, resent it and suprise they received it. It is sitting in the "Office of the President" They have 7 days to respond. Oh and get this. The very day they spoke with my attorney and received it, a letter went out to me dated that very same day that I had been sold to Citi Residential. What an odd coincidence. Not!

I can not believe thay are doing this to other people also. There must be something we can do together to helpeach other resolve this. I can not believe that a Mortgage Company walks such a fine line of the law. I did not even know thay had paid our taxes until my husband went in the tax office to pay them. The tax office said they had sent 2 seperate checks to pay them and they overpaid. No, we did not receive that money back. We were not late. It was the 1st of Jan.

When I spoke to the escrow office last week and asked when I would get my refund for all the extra I had paid,she said they did not give refunds. She said I could fax in a request to cancel the forced insurance, but that did not mean after they reviewed it that it would even happen.

In other words, no matter what I do, they are trying to force me into an extra 900.+ amonth. I have five kids and can not continue to pay this extra. We have drained my husbands 401k with emergency loans to save our house from the foreclosure notice you get when you are 30 days late. I can not even get the people who I bought my new home from 2 years ago to fix what they were suppose to fix.

So I am paying almost double the amount on my mortgage for a home that never even got the walk through problems fixed. I am tired of dishonest people and companies. There has to be something that can be done. can anybody help me??

S
midlothian, Texas
U.S.A.