After dealing with a crooked mortgage company for 6 years my mortgage was recently transfered.The new so-called mortgage servicer sent me a 2011 - 1098 tax form twice within a week apart from my previous servicer.
The new servicer sent me a letter saying the 1st - 1098 form had the wrong federal identification number and the second 1098 form was a true and correct copy with the right federal identification number.
Both 1098 forms have the year 2011 with a beginning principle balance of a little over 11 grand.The thing is both have the same beginning balances and both 1098 forms having an ending principle balance of $ 0.00.
If the 2011 ending principle balance is $0.00 then according to their own paper work there is nothing owed right?
This new servicer is as corrupt as the other.They sent me two different letters saying i applied for a loan modification which i denied by a notarized affidavit sent certified mail.Then the servicer sent me a letter (i.e. Relationship Manager Notice) which i replied back with another notarized affidavit saying i am not in default and to cease all letters with their false information.
I owe less than 7 grand according to a recent statement that shows the loan current with no late charges etc.
The zero dollar ending principle balance on the 2011 - 1098 form has me asking the question.The years ending balance is what is owed right?
Any help will be deeply appreciated.
Thank you all for your knowledge and help.