Ever since Litton Loan Servicing has taken over on what AMC did, has become a disaster in determining my monthly mortgage payments. Every year, I received a check in the amount of $634.34, of which they have been claiming that this amount is over $50.00 in the "Escrow Account." And within 45 days, I am notified that my monthly payments will be increase, based upon their calculations of shortage of funds for the coming year. Litton Loan Servicing LP, then increases this monthly payments up to $45.00 each month, because of the negative within the system. My only question when I asked them why? I can't get an answer. This in my opinion, is "Fraud, " an I want to know why the funds can continue without returning it to me, as an excess amount.