Indymac Bank One West Bank Has made no effort to return my Property Tax payments and adjust monthly loan pymt accordingly. Phoenix, Arizona

Indymac bank took 18 months to approve my loan mod. They lost my paperwork at least five times and demanded I spend money for CPA"s letters when I was in a money crisis. The stress I endured during this process of trying to save my home was unbearable. 

At last, I was elated when loan mod was approved. Six months went by with my adjusted payment, then I received notification that I was being retroactively billed for an escrow account that was for paying my property taxes. I had not understood that Indy was paying my property taxes, so I paid them. I had to borrow money to pay the second payment. So, I had paid $2000 in prop.taxes as well as Indy paying them.

I was never notified by Indy that they were paying them. When I spoke to the representative from Indy, she told me, it was my fault and not their problem. I should have read the loan mod agreement. OK, true, I did not understand. But then I asked how I could get this issue resolved and was told to go to the L.A. Tax office and Fax proof of payment that it was double paid. Which I did. This was 3 months ago. I am still being billed by Indy for back taxes that have been paid twice. I have received no refund from Indy, I have letter from L.A. co. tax collector stating that it was overpaid and refund was sent to Indy.

 I have called twice to seek help with no response. I have done exactly what I was told by Indy reps - no response. I have tried to get the Federal gov. to help but Indy is not under their jurisdiction. I have tried to get the state to help and they told me they could do nothing. I don't wish to hire a lawyer over this because of the time and money involved when I am trying to save my home. So, I am at a complete loss as to what action I can now take.