#1.In my Mortgage contract it says that a late fee of 5% percent of the payment can be charged after the 15 day grace period if a payment I make is late.A letter I found from the servicer says the note is late one day after the due date and every day thereafter.This is not contractural,but fraud in my opinion along with their bogus hidden fees etc that I dont find my contract giving them the power to do.Example:My note is say $600.00 a month and I am late and do get a late charge tacked on,is this right $600.00 plus a 5% of the payment added = $630.00 is this right?
They wanted almost $1,700.00 for one so-called late payment a few years ago.How do they figure this? since over $1,700.00 is not the $600.00 payment plus a 5% percent of the monthly payment charged?
Any advice on the above comment?
#2.In a Respa Request to my servicer in their responce to me the servicer claim`s that someone else is the note holder Successor by Merger solely in its capacity as Trustee under pooling and Servicing Agreement and another loan asset backed certificate outfit and to contact the originator of the loan for inquiries reguarding the origination of the loan.
Also as the original mortgage papers and note as filed in my local court house matched with copies my servicer faxed to me a few years ago the title agent squiggle signature marks are completely different as is the original notary signature is.Anyone can look at these signatures and tell they are forged.
Any Advice on the above?
Any help you give is deeply appreciated.
Thank you so much.