Learn about, compose and send a RESPA qualified letter to the bank and other regulatory agencies, and include anyone (politicians) who might be monitoring your case. The Federal government REQUIRES banks to provide you with DETAILED information on your mortgage.
RESPA is explained on these two government sites –
http://www.hud.gov/offices/hsg/rmra/res/reslettr.cfm
http://www.ftc.gov/bcp/edu/pubs/consumer/homes/rea10.shtm
Samples of letters can be seen (copied) here –
http://www.nololawlibrary.com/foreclosure/7-2d.shtml
http://www.foreclosureindustry.com/2009/08/qualified-written-requests-respa-and-mortgage-servicing/
http://www.scribd.com/doc/11903044/Respa-Letter
Insert your personal information, rewrite the opening paragraph(s) to describe your personal concerns, and customize the “demands” to your own case, preferably with the help of a lawyer.
DO NOT send via email, and use the Postal Service, registered mail, return receipt requested. Copy all related people/parties the same way.
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