We Have been dealing with PHH since 09" first tyring to refinance, which they flat out refused so we fell behind.They then started foreclosure and denied us modification for a year, when they did agree we were in deep. PHH then said we had to send them 3 "trail payments" first which we did, they took your trail loan payments and applied them all to miscellaneous fees . They then said their math was wrong and we owed more in escrow fees even though they charged us in the modification back escrow fees. They then added more charges to our loan just for asking them where are loan payments went. So basically our mortgage payment has gone up every month since the so called modification just in "charges and fees" and "overlooked" monies they say are owed...Someone PLEASE STOP them...
