David
mechanicsville,#2Author of original report
Fri, December 23, 2005
After emailing John Hoyer, Esquire, I was contacted by one of their investigators, who suggested the following: Write EMC a Real Estate Settlement Procedures Act (RESPA) QUALIFYING LETTER. You can request them to investigate added fees, missing misapplied paymentsetc. The letter can be found on the HUD web page: http://www.hud.gov/offices/hsg/sfh/res/reslettr.cfm . Don't forget to send the RESPA Qualifying Letter certified, with a return receipt. You then can prove when the letter is received at EMC, even if they don't comply with the RESPA law. Request a payment history or download your payment history to show how they dispersed your payments or how long they held the payment before posting it to your mortgage. This can also be used to document EMC's actions later. You can write a RESPA letter for each problem you find in the payment history.