Homecomings Financial - GMAC Escrow problems since new refinance of home loan in Fall of 2006 ripoff Phoenix Arizona

I refinanced in the Fall of 2006, was sent a refund of over $1000.00 back because there was a overage in the escrow at closing.

I agreed to pay around 1428.00 per month and since they made it only available for interest only I was still paying the $1648.00 each month.

In Dec, Jan, Feb, they sent the payment back to the bank account in which the bill pay had been sent weeks later after payment. First they said that there was insufficient funds, went to bank got copy to prove they were wrong and I got not a response back from that. Then they said the bank twice after that never mailed the bill pay out. I then got copies to prove that a check had been issued and then returned by them, sent copies and then no reponse back to my calls and inquirys.
Next, was the mortgage insurance, I had just refinanced but yet they said I had no proof on record for homeowners insurance. I had not changed companies and they were still collecting that part of my payment every month to cover it in escrow.

This was in Jan 07, I mailed 13 copies to them for proof, I faxed 3 times proof, They still added over $1700. to my account saying they added additional insurance. I am confused here? where was the monies they were already collecting for insurance going? I would assume they would have been minused from the $1700.00. Not with Homecomings!

I had to fight this non stop! I still do not know to this day if it was fixed after my insurance agent contacted them. Stories vary from employee to employee.
So then the bad news, Somehow there is an escrow shortage on my loan.

So as of April I am to start paying $1858.00 per month to fix the shortage in my escrow. I am so confused this mortgage is still under the first year of opening it. So I call and I am told, my taxes had doubled on the property, that the previous years taxes were not paid, insurance went up another 1700.00 a year! What?
I ask for a escrow analysis of my payments, then I am informed that I am still wrong, for some reason with this company it just does not have to add up.

Long story short of it, I have paid over $5,500. for my escrow for 2007. My amount due for the previous year was $3,696.00 which is on my current August 13, 2007 escrow analysis in front of me. I was required to pay my normal amount for August, but then told it was $1868.00 again. My contracted amount was $1468.00, on my credit it states the payment is around $1700.00 a month. This year it says that I will have effective October
2007 escrow due in the amount of $3,696.87 due which is the same as last year but there will be still a shortage in my escrow of $144.14 .
It states that my escrow payment is $308.07 a month for 2007 and 2008.

It states the new shortage as $12.01 and for the prior analysis $67.02

So new payment with $144.14 paid in would leave my payment at $320.08 for my escrow and without payment of $144.14 my escrow payment will be $375.09.

It says principal and interest for new is $1,108.09. The prior analysis is $1,108.20. So it says total payment new, is $1428.17, which was my original payment in my loan. And prior analysi it is $1483.29. I still don't know what my next mortgage payment next month is? Help, I have had this house twenty years and do not want to lose it.

Lucsportland
portland, Oregon
U.S.A.