My mortgage company - nameless - BUT when wikileaks leaks them - I will jump for joy.
I sent in payment. I actually did not realize but I sent in an over-payment by mistake. The reinstatement letter - gave me instructions and a quotation - it stated - waiver of atty fees if paid Net Due. I did not realize that these f88kers did not deduct atty fees. This means if - the letter is/was giving me the incentive to pay IN FULL - which I did BUT the letter also means I could pay a PARTIAL PAYMENT
I DID NOT PAY A PARTIAL PAYMENT
I paid the NET DUE - the full amount - including the atty fees
I over-paid over 1200.00
The f88kers sent back my certified funds - stated not enough money
I have sent in my monthly mortgage payments for each month thereafter and each month they have refused my payment - each time - I am given a different reason.
I have not retained an atty officially yet, I am writing a letter to the government - OCC and others after free advice from an atty.
I am just about done with my letter to the government.
I have two questions.
Are there any legal grounds for me to fight my mtg co and state they have absolved me from the past amounts, that they have legally relieved me of any requirement or obligation for all of the returned personal and certified funds, since they are refusing my payments.
I have 6 months of documentation backing me up.
They have not officially served me or publicized foreclosure action against me. THUS I HAVE NOT BEEN SERVED.
I know there is a Lis Pendis filed as I got at least 30 attys who sent me flyers in the mail.
I started receiving once again - past due notices from my Mtg Co.
If there is a lis pendis filed, and if one has not been served or if they have been served, has my mtg co negated the lis pendis when they started mailing me letters - thus started corresponding?