Provident Funding Tricked me into losing my 2% loan Santa Rosa California

In early 2014, I was notified by Provident Funding that they would defer payments to them for 6 months. 

I was waiting for a recall back to my airline, (we had been bought out and the Unions were trying to reach an agreement) so I was struggling to make my payments at that time.  I accepted their offer, but thought that seemed to good to be true, so I sent them an email for verification. (and a paper trail)

The email back from them states "You have no payments until the July 2014 payment."

When I went to make the July payment, it was rejected, telling me I needed to reapply for a loan.  I later found out I now lost my 2% loan for not making payments!

Months of excuses from them and unreasonable demands, I finally was able to keep my house from foreclosure and get a new loan from them.  Interest rate?

Now 3.875%......that is a payment increase of almost $190!  That may still seem low for some of you reading this, but I was struggling at he 2%.  I would have ignored their offer, continued to make my payments, had they not lied to me.

I have not made my Jan. 1st 2018 payment, yet I recieved a letter the other day, dated 1/2/2018, with information about avoiding foreclosure. 

I never applied for a loan with this company; I was sold several times since I puchased my townhome in 2002.  I never would use them if applying for a home loan!  Next week, I am going to speak with HUD or another bank and try to get a new loan.