Homecomings Financial escrow set up no notification Louisville Kentucky

I have ben with homecomings since 2001, i had no issues until i lost my job due to a back injury in 2003, i am a single mom of 3 boys and was tied up in a worker comp. case but still managed to make my payments though slow..i had set up arrangments in dec of 2003 for my january of 2004 and sent in 1 and 1\2 payments to homecomings with a over the phone verbal agreement with a customer service rep. that my account would be fine until i cold do remaining balance at end of January, My check was returned and my house placed into forclosure ..It cost me over 6,000 dollars to save my home which i did ..thanks to my parents loaning me the money before my settlement money came in...now this year i lost my mom suddenly in september of 2008 , and was only 256.00 behind on my property taxes and had set up a payment plan with my county auditor to get the rest payed ..come January when i went to pay off my back taxes of 256.00 they informed me that homecomings had payed it and the next 6 months as well...! Imangine my surprise ! iIcontacted them and after 1 1\2 hours on phone being transfered to here and there a customr service rep. ed me that i could try for a reversal and needed to send in all proof i had prior arrangments , i also had them with drawl the 788.12 from savings account for the money they payed with out my knowledge... 1 week later i got a denial letter from them stateing that the reversal was denied and that the money i payed went to my escrow account and still my payment will remain now 157.83 more each month , i work 30 hours a week and have 3 boys ages rangeing from 17 to 11 ..i told homecomings that the jump in my payment would be harder then ever in these hard times ..THEY DID NOT CARE !

My home means everything to me and my boys not to mention my family as the home has been in the Mendenhall name since the day i was born in 1961 !!! I do not undertand how a company would rather a homeowner lose there home then try to help them save there home !!!

Kimberly
warren, Ohio
U.S.A.