I am about to lose my home because Litton Loan starting accessing my acount with late fees when they took over my loan 2 years ago for Escrow that I paid myself. They have reported me as being 60 days late 9 times and 30 days late 3 times, even though I never missed a payment - all I did was refuse to pay the charges that they should not have added to my account in the first place. Now I can't get a away from them because my credit is ruined. I am devastated. Any advice at this point will be appreciated.