My first thought: have you upheld your end of the issue, ie, have you sent the insurance payment requests in a timely fashion to the servicer, and then checked to make sure that the payment is made? I'm not sure what you mean about your escrow account getting "messed up", but it is routine for the escrow to be slightly out of sync due to timing of payments, etc. It will fall into negative, but the mortgage company will cover what comes due until your escrow payments catch up. Then, in the next year, the mortgage servicer may increase your escrow payments to help cover any estimated shortfalls.

If your insurance truly wasn't paid (rather than simply paid late), you have a legit issue. Did your policy actually lapse due to non-payment?

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Posted by southerntiger83

Metairie, La

Member since Aug 2008

100 posts

Posted on 3/14/18 at 1:26 pm to hungryone

Hungryone, we have direct deposit for the mortgage payments. It’s been set that way since we started.

This particular year, we got a check back for roughy $2200 from the mortgage company.
Then we got a letter saying our flood insurance hasn’t been paid. We called the insurance company to see what the deal was and they said no payments have been received from Fifth Third Bank. They have two phone recordings where they called and asked about the payments and the bank told them “it was in process”. Still nothing.
We then called the bank ourselves and they said “payment is pending” and to give it two days. We did and still nothing.
Coverage has not lapsed but we are in the grace period.
This same thing happened last year and I’m just tired of dealing with it.

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