American Home Mortgage Servicing Inc / refusal to give full accounting
american home mortgage servicing inc (ahmsi) purchased my mortgage from option one after my wife passed away. they will not talk with me because i am not on the note. they have been given all death certificates, interspousal transfers and recorded deeds 4 times in last few years. they still will not speak with me. there was a problem with my insurance co and they notified amhsi which opened the flood gates. the took out an overvalued policy and charged me for time of insurance lapse. mortgage payments and insurance were all paid. all property taxes were paid as well.. they cashed mortgage payments but did not credit the account and refuse to give full accounting of what they did with cashed checks. late fees have been charged when they were not justified. now they have doubled my mortgage due to an escrow account fee that will last the length of the loan. this amount is more than my total income. meanwhile ahmsi still will not talk to me. an attorney has tried to straighten out the name on the mortgage and they will not talk with her. saying it will take days to resolve maybe even two months. they keep sending correspondence to estate of... but in california there are no probate documents on an inter-spousal transfer (hence no estate). having paid on time every month, & paid over priced insurance lapse they are still beginning foreclosure proceedings without letting me even talk to them. my attorney who is trying to help is giving up. what should have been a simple issue has turned into a nightmare.
the people ahmsi refer you to for help tell you to hire a lawyer. to hire an attorney when you are on social security income is extremely difficult. ahmsi is simply being non-responsive in anything but a delaying manner. multiple letters (9 in a month), letters not responding to my letters, letters mailed 2 weeks after being written, letters with enclosures but without the enclosure, contradictory letters from different people at ahmsi. total flood of confusing mail but never a real answer. there needs to be a class action suit against ahmsi. i cannot be the only one.
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