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The Mortgage Company paid my back Taxes, now they want to triple my payments
Past due taxes... they are something that WILL NOT go away. Taxes will always have to be paid no matter what the reason is you got behind on them. You may be able to work out payment arrangements to pay them off over time. This is always a better alternative than your Mortgage Company paying them for you. If they know that taxes are delinquent they will most of the time pay them and charge you. They will set up a payment arrangement to pay them back but most of the time you don't have any input into what that arrangement will be... they could double or triple your payments to make up for the escrow deficiency. That is what has happened to this prospective client.
"They have raised my mortgage from 1706 to 4200 to cover past due taxes - i have made the last 4 payments on time but now am nearing an impossible situation"
There is not much we can do after the Mortgage Company pays the taxes. They have strict guidelines as to how they will need to be repaid. The best advice we can give if you have past due taxes is to try and work something out with the agency before the Mortgage Company can pay them. You will have a better chance at getting a payment arrangement that you can afford. The only other thing we can offer is to go to our resource page on Litton and report on what they did as a result of your back taxes. This may help someone else who is on this situation in the future.
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Comments
I hope this works out for you and please let me know if you have any further questions.
Litton's CS rep told me that I have to prove that they did not pay it. My attorney has faxed them documentation proving that they had not paid any property taxes on my behalf on multiple occasions. Litton still refuses to remove the charge from my account.
I honestly don't understand why I should have to "prove" they didn't pay it. If it were me claiming I made a payment, I would have to provide the proof. It should be the same for them. Either they produce a cancelled check/receipt for the payment or remove the charge from my account.
There is a pending class action law suit against Litton regarding their unfair practices and fees when handling loans transferred to them. Perhaps they should add property tax issues to that suit.