Alright, I have to say that I'm surprised by some of the comments, and I'm sorry if I was being too bold, or stupid in offering help, or knowledge.
I probably didn't explain it properly enough, or in enough detail. I assume each Mortgage Company probably uses different "programs" to create the Account History Pages.
Some of these A. H. P.'s from other mortgage Servicers may not be clear enough, or understandable enough, for a person to decipher. Some of them might even detail only a very small amount of monthly activity.
I have a copy from both the Orig. Lender which is simplified by not enough details, and EMC's which is made of techno, numbered jibber crap.
Yes, I too laughed at My A. H. P.'s when they arrived. My Laughter was out of sheer irritation more than anything.
The irritations caused by the incredibly small font they used, and the digits, and codes they used without any kind of definition sheet.
Purely, utterly, irritated! I sat down with the sheets day and night, determined to figure them out.
**** This is what I was able to decipher.
What payment went where. What date. and how much.
I now have columns with the following information:
The amount applied to FORCE PLACED Insurance Per month, per year for a GRAND TOTAL of HOW Much we were ripped off by the F. P. Ins. scheme. which is $,$$$.$$
How much per month, per year, was placed into Corporate Advance fees for a total of $,$$$.$$
Doing this with every single type of (side account) totaling all of the totals up, I was further able to calculate how much money has been placed into the dreadful SUSPENSE ACCOUNT (where money always disappears from)
I apologize if this thread has irked any of you, those we're not my intentions whatsoever.
I wasn't given enough information on MY A. H. P.'s to bypass all of their gibberish techno speak on the papers, until after 3 weeks worth of back and forth paperwork, cross referencing, and calculations. And now I have the Accurate, correct figures, that DO IN FACT SHOW FRAUD WAS COMMITTED, AS MY PAYMENTS WERE PLACED INTO OTHER AREAS WHERE THEY NEVER SHOULD HAVE BEEN ENTERED. I now have the totals of funds EXTORTED through their illegal activities, and fees.
how many days payments were held late,
how many times,
how many times was nothing applied to my monthly Principal, and Interest.
how many times was money sent to the Suspense Account
How much was sent
how much was charged against account for unneeded Insurance
How much money was paid into this NON EXISTENT ESCROW POLICY
how often were BPO's taken
How much charged each time
my trustee payments that were applied to escrow
when, & how much
I now have all the answers to the questions about the money side of my payments, and loan account.
It is the Q.W.R.'s that will now identify the reasons as to WHY they did these things. That is "IF" they send a response answering all of my complaints.
My A.H.P's from EMC are enormously complicated, and it is not something that can be explained without a visual, (a step by step) procedure to guide another person into the deciphering of their own account, or otherwise I would post it step by step, without the visual.
This thread was based off of Something that Dee, had stated, (see the first post above). I thought Dee had made a very good point in her statement. This also being about the 5th time reading about "their is no way to know, how much was lost" and even quoting the same in some sort months ago. I too was unable to "TRULY know, how much we have been fleeced" until sheer irritation, stressed me, and ticked me off enough to "CATCH" them at their game. EMC walked all over us, and I wanted "PROOF"
I just wanted to help others know for themselves how much money, they have lost to these crooked conniving Servicers.
I'm sorry for irking, irritating, and upsetting those of you here.