Central Loan Administration

My loan was transferred from TB&W to Cenlar in September 2009 following TB&W's bankruptcy. For the first three months, I had no idea what was taking place. I was receiving letters from Cenlar monthly indicating where to send my mortgage payment. Through the course of all this, I was receiving cancellation notices from my insurance company since my premium which was normally paid from my escrow account remained unpaid. Shortly after Cenlar established themselves as the successive mortgage company, they sent out an escrow analysis. Surprisingly, the report indicated that there was a $2,002.56 escrow shortage even though taxes and insurance had not increased. Consequently, my mortgage increased just over $200 per month.

The most recent set of events pretty much pushed things over the edge. Starting in May of 2011, I started receiving an unexplained monthly charge of $13.54 under the category of Deficiency/Shortage/Surplus on my statement. By July of 2011, it assumed the title of Additional Principal and the amount was consistent at $13.54 monthly through October of 2011. Once the November 2011 statement was received, the monthly charge categorized as Additional Principal had increased to $39.90 where it has remained through my January 2012 statement.

In Dec. 2010, Central sent me a refund letter but only with a statement and no check. I called and asked if they could apply it to the principal. They said no but would try and if not, they would send me the refund. They promised to call me back within 48 hours. No calls for days. I called again and again and got the same promise, same message every time. Months later, surprisingly, I got a refund check but with my name misspelled. I called, the whole same conversation repeated. I asked if they could just apply it towards the principal. Same 48-hour promises, got no calls nor refund payment. I was extremely mad and called them back. The same thing was about to be said then I said "no, I don't want apologies, no conversation with Indian people. I wanted to speak with someone in the US".

After screaming and yelling, they let someone in the US talk to me. The US guy said that the information given to me was not true and that the matter should have been resolved a long time back. He played the mind game very well. He really calmed me down. Seriously, I never said any bad word at all throughout all the conversations with. I only raised my voice but spoke very professionally. The US guy apologized to me, I don't know how many times and promised to take the matter in his own hands to have it resolved.

He made me feel quite pleased. He did call me back as he promised but now asked me to return the misspelled check and asked me why I did not do send it back. How would I know that I would have to do it? The rep on the phone did not inform me. She only told me that she would cut a new check and again, asked me if I wanted to have it applied towards principal. Because I tore off the check, he asked me to write a letter explaining what I wanted to do. Gosh, it took them more than a year and still had no idea what I wanted. He gave me a private fax number **. I wrote a letter explaining per his request then faxed it. Guess what? The fax line was busy. I tried 5 times and the same error message "busy/no response".

I then had no choice but call them back. Again, I got an Indian guy on the phone who had no idea what the ** I was trying to say or he pretended and played the game very well as he was instructed. I asked him to go look at the log records for a follow-up on my conversation with the US guy yesterday. He did and gave me a new fax number **. I tried again 5 times while he was on the phone with me. Guess what? "Busy/No Response" error again. Then I asked for email or some way I could send in the letter. He said no and started to blame me for faxing at a peak time and asked me to keep faxing back again and again at lower volume times until the letter goes through. OMG, OMG, and OMG. I was saying it to myself and gave him a lecture on what was wrong with Central that they tried to blame on the customers for?

I thought I was living in the primitive time. I then asked to speak with a US rep as the US guy asked me to do yesterday. I was sent to a US rep and OMG again. This time, this lady sounded like a robot. I thought I was in North Korea. She did not respond to every question that I asked. She was in complete silence the whole time. I could only hear her breathing. I said I needed to fax the letter but it did not go through. Guess what? Same response, blaming me for faxing at the high peak time. I said to her "this is your problem, how do I know when is low volume time?". Then I asked if I could email it in. She responded cold-heartedly like a North Korean commie "cs@cenlar.com". Unlike the rest of them, the lady did not say the word "apology" to me once. I asked how do I know the email would arrive and my request is handled and asked for a follow-up or some sort of notification that they've received the email and/or will be working on it? She seemed absolutely deaf because she did not respond to every question I asked. I felt like I was talking to a robot the whole time. So I decided to hang up the phone.

These crooks really got very thick skin I tell you. I am going to email the letter and will follow up with you guys how it goes. It has freaked me out that they sent me to hell upon every attempt I tried to get my money back for over a year already. They set up all the scenarios to hold my money hostage. Central is a crooked business. I am so ready to sue them and TBW who sold my loan to them.

I was laid off and am working with NACA, We did all the paperwork to move forward with a forbearance on my mortgage. I submitted in May 2011 to Cenlar. I heard nothing from them. In May, I received a letter from a company called Bay View Loan Servicing asking for documents. Also stating that they were a debt collection agency. I paid no attention, thinking it was a scam. When I finally could get a rep from Cenlar, they told me that they sub-contract all modifications to Bayview. I sent Bayview all documents that Cenlar didn't send.

Since then there's no mention of forbearance. I became employed at a lesser wage in July. I sent all new documentation to Bayview. No calls, no emails, nothing. When I called and left a message on my acct manager's extension, I received a call with no message asking to call back at a number. I called, spoke to the account manager and nothing was being done, they needed more docs. I sent what they wanted, heard nothing and called a few times. Heard back and asked how it was going. Now they said I was being transferred to another account manager. Okay! He asks for documents. I state that the other account manager has all docs you are requesting. He'll get back to me. Nothing for a couple weeks. I'll call, no answer. Leave voicemail, no reply.

So I get a notice on my door that says Cenlar. All along, I'm getting notices on how much I'm behind, penalties, etc. But no resolve to modification or anything to do with my mortgage. So I call the number, they give me a number for Bay View and the rep says that I'll be given another account manager, the third one, and in a couple days to call and talk with them. That was just before Thanksgiving.

This is outrageous and unprofessional. I'm now nervous about losing my house. Cenlar does not act in good faith to their customers. I had issues with them prior because I also was with TB&W. What a joke. I'm totally fed up.

They now have an escalation unit address below except they will only reply with a letter that says they received the complaint

If I could choose zero stars, I would. One year after CENLAR took over from TB&W, I started getting notices that I had missed a payment. CENLAR claimed that TB&W said they never received my last payment. It took multiple phone calls and my bank intervening with a copy of the cashed check to stop that particular incident. Now, another year later, I am again getting notices of overdue payments, over $3000. I am getting calls from their collection department constantly (6 times last week). And each time I call, they can't help me. It needs to go to a supervisor or someone needs to research it.

Once I finally got a manager, we determined that they did not properly document my escrow shortage payment (which happens every year) and my correct new payment amount. Once she found this, she agreed that everything was resolved. Since then, I have received at least four more mailed notices and any messages from collections. When I call back, no one can help me. The last CSR actually seemed to want to help. But when it was clear from their online statements that every single payment has been made, he was baffled and sent it up the chain for investigation. I continue to get calls and notices. I received no answer to my letter.

Oh my goodness! I can't believe all that I am reading. I was just checking into the Central company also, since taking over my mortgage from Whitaker, Taylor & Bean. I have also had problems with the escrow account. I was told it was Whitaker, Taylor & Bean that messed the payment on the escrow account, not Central. I have had $76.00 added to my payment, also due to underfunded escrow account per Central. I am not sure if it was Central that mishandled the escrow accounts. It was originally Whitaker, Taylor & Bean that is, who I think, should be accountable for the underfunded escrow account and should have to pay them for us.

As a homeowner, I didn't have anything to do with the math on the loan. And since it was not my mathematical mistake, it should be the responsibility of the original deal makers. I had originally agreed and signed a mortgage that had the taxes and insurance escrowed in the monthly payment of $508.00. Now having to pay $577.00 a month can make or break a customer. I also wonder after a contract has been signed, how as a consumer we can't change the contract? However, it seems that the mortgage companies do as they please. Isn't this a breach of contract? I know it would be if I didn't pay the escrow account.

CENLAR paid my 2009 Flood Insurance policy, although my account was never an escrow account at the time of transferred from Taylor Bean. They notified me this year (2011) via an Escrow Analyst Statement that I have a "shortage" of $1,635 for the flood payment and of course increasing my monthly payments. I've faxed them proof twice the payment made by us and the premium due of only $368 and not what they claimed. As of my last conversation with their customer serviced rep (CSR) this week, they are still "researching" and to call them back in two weeks' time.

You can never get an immediate/straight answer from their CSR who has to transfer you to someone else in the insurance department and for some strange reasons unbeknown in today's technology. You keep getting disconnected and when you do get through to the insurance dept., expect nothing but rudeness.

Their customer service is in India, and they make it impossible to get anything done. I made and extra $1,000.00 payment to T&B before CENLAR took over in Aug of 2009. The CENLAR online account payment history does not show that I got credit for that amount. I have been trying since last year to correct that. I have called them at least 10 times and wrote a letter twice. I've sent all needed documents 3 times and have receive one feedback saying they are investigating. But when I call the ** Indian customer care, they tell me the document was not complete and they have closed the case, or they need more info. What they say on the phone keeps changing which is different from what they wrote only that one time.

My mortgage was TBW. Everything was fine, every month for 5 years. Suddenly, I have a notice of a monthly increase of $135.00 per month for an "Escrow Shortage". I asked how I could suddenly have such a shortage. They of course blamed TBW, I do not believe that. I have filed a complaint with the Office of Thrift Supervisors, Department of Treasury. I have actually received a letter stating that my payment should only go up $4.43 per month as I calculated. However, my new monthly coupon book shows an increase of $135.00. I called "Robert" at Cenlar as directed and he is not available...go figure. All I can say is keep trying and document, document, document. Everything must be Certified Return Receipt US Mail.

I closed my mortgage with Taylor Bean & Whitaker. This mortgage company went under and my escrow balance was not transferred correctly. I faxed (long distance) all of my documents proving what my balance should be to CENLAR on July 13 (and have my fax receipt), called them to confirm they received and now on August 2 I am told by CENLAR (Jonathan) that they did not receive my request. CENLAR is showing my escrow short by $2,556.66 making my payment go up $213.06 each month.

CENLAR took over my mortgage for Taylor, Bean & Whitaker in August 2009 without my knowledge. I thought that with TB&W being such a trustworthy company that they would have picked one to take our mortgages. Wrong! CENLAR continued to take out of the auto-draft I had signed for an optional insurance that I had started paying myself because I didn't want it to lapse. I notified them by phone and kept getting someone that sounded like they were from Pakistan. The person either couldn't help me nor give me their supervisor to talk to. I sent letters to no avail.

Then I stopped auto-deductions at my bank and started mailing payments minus the amount for the optional insurance. Then they tricked the bank and sent in an amount for even for, which was held of my disability check. Plus, this was done 2 days after they had posted my mailed in payment. I then sent in more letters according to RESPA forms to their drafting dept. & customer service department by certified mail. Only the one to customer service came back stamped with a name. I received a letter finally from customer service saying that the optional insurance had been removed from by billing.

I just received my annual escrow account disclosure statement today. Guess what. The optional insurance is added back on again, bringing the payments back up to $568.38/month. Plus, they still insist I owe them back pay of $182.98, which I don't. In January 2010, it reported I owed $251.84 shortage, which I don't. I think maybe someone out in California might could get in touch with Erin ** and maybe she would take these people on. Just how have they been in business since 1984 is beyond my scope of belief.

I have read through so many comments here that echo what I have gone through after the servicing of my Taylor, Bean and Whitaker mortgage was transferred to CENLAR. It's shocking.

It seems to me that so many of us can PROVE undeniable financial hardship on account of CENLAR's unacceptable mismanagement of our accounts. Where are the attorneys willing to file a class action lawsuit against CENLAR on all of our behalves?

Whether it be undocumented payments that have been made by the homeowner, sudden increases in insurance and taxes held in escrow, late payment of insurance fees resulting in cancellation and/or higher premiums, inaccurate escrow statements, incorrect 1098 mortgage interest statements, incorrect loan settlement statements, false reporting to the credit bureaus or NO reporting at all...all of these have an effect on our financial lives.

I have been unable to refinance my home at a better rate (despite an excellent credit score and low debt-to-income ratio and plenty of equity in my house...I am one of those fortunate few who is not upside down in my market), unable to take out a HELOC loan or sell my house, pay my taxes on time (both my federal and state income taxes due to the gross errors in my 1098 form from CENLAR and my property taxes which were held in escrow by CENLAR) and ALL of this because I have not received a single piece of accurate written or verbal information about my loan from CENLAR in 10 months.

No reputable business, be it another mortgage company, bank, credit union, private lender, real estate professional (or any one in their right mind) would touch my property if they know what is good for them.

In fact, according to both my county records office and all three credit bureaus, there is no current record on file of my loan, at all. If I were trying to boost up my credit score through paying my mortgage on time, every month, it would be to no avail...there has been ZERO reporting on this loan since August 2009.

Both are showing TB&W as closed and no new entity has been legally assigned or reported, according to them.

I have sent countless requests, (either by phone, mail or email) for CENLAR to "produce the note" and at every turn I get stall tactics.

This is in DIRECT violation of the RESPA Act. They have, in some cases, had 10 months to provide me with the information I've requested.

I encourage everyone on here to go to the HUD website, type in RESPA in the search box, and use the resources there to copy their form letter requesting whatever it is you need from CENLAR. Send it certified and keep a copy for yourself. When CENLAR fails to respond, as they so often do, you will have proof that they are in violation of the law. The more of us that have this, the better.

When I asked my county court clerk whether any other entity other than Taylor, Bean and Whitaker could initiate foreclosure proceedings (should I choose to stop paying since CENLAR has failed to provide me with the information I need to exercise my right as a property owner to sell, refinance or pull equity out), she said "absolutely not".

Now, I am not advocating defaulting on payments...I am just trying to make a point that when your own attorney tells you that the only way you might be able to force CENLAR to give you information is in court during foreclosure proceedings (where, in most US states, homeowners still have the right to fight foreclosure through the judicial process), you know you have a problem.

But please, despite the headache and the fear of what they CAN do, don't let them intimidate you! Find out from your credit report whether your mortgage is even appearing and whether CENLAR's reporting on your loan.

Check with your county deeds records office whether they are listed as either the lienholder or servicer of your loan, and ask them how long, by law, they have to report this to your county or state. Document every single time you try to contact them and when you do and who you spoke to and about what.

In fact, stop calling -- make all your communication with them written in a form that meets RESPA's requirements of you, the homeowner. Document, document, document!

And if anyone out there wants to spear-head a class action lawsuit, let us all know!

Together maybe we can put an end to this madness...

On May 28th I received notice from my home insurance provider that my payment had not been made. I called Cenlar and spoke to a man who gave me his name and asked me to refax a copy of the bill to him. I did this and informed him my insurance would be cancelled on June 7 2010. He told me not to worry and would take care of it that day, and would overnight the payment.

On Tuesday June 1st I made a follow up call to Cenlar, I was told by a nice lady (with a Hindu accent)that Cenlar does not have the bill to pay. I told her to put on a supervisor and was tansfered to Nick. He managed to find the bill and promised to have this overnighted to my Insurance company in 36 hours "tops". I again informed him of the importance of this as my insurance was to be cancelled on June 7. On friday June 4th I called my insurance company to verify payment and was told they have not received any payment. I again called Cenlar and asked to speak to Nick, another hindu speaking woman would not transfer my call until I gave her all my information and told my problem to her.

Finally I got "Rick" another supervisor who told me "Nick" was busy. He told me not to worry that $1820.00 payment was made to Ohio Casualty. I said great but my payment was $783.00 and my Insurance Company is Peerless Insurance. After being on hold for another life time he came back and corrected himself and said the payment was made to Peerless, he however did not have the address. I provided him with the address and was told it would be overnighted. Monday June 7 my Insurance was cancelled and Peerless insurance still has received any payment. To top this off 1820.00 was deducted from my escrow account leaving me in the negative. 1820.00 by the way was my balance on my insurance policy for my house and cars. reading the bill would have explained this, only if they bothered or gave a rats ass.

We have been dealing with our last Aug. Sept. & Octobers mortgage payment from 2009 not showing that it was ever paid. Finally Cenlar told us that "oh yes we see now that your payments were made" however, there was still the question of our escrow account not being accurate every since Cenlar took over our mortgage in Aug. even though I have faxed and mailed the correct information,they fail to acknowledge it, or they never seem to receive it. I cannot tell you how many endless hours I've spent on the phone to someone who can't hardly speak English or understand it.

And it's hard for me to get my message across to them. We just found out in May that, " We show you've not made your Aug. 09 payment" I Mailed the information again and faxed it again just this week on Monday May24 2010 and again on Friday May 28 2010, and would you believe Cenlar actually called us up on a Saturday " who'd of thought on a Sat. none the less" to ask " Are You Going To Send Us Your Information For Your Aug. 09 Payment?" My god I cannot take the stress of these people who work for this so called mortgage handling co. handling our mortgage money or our escrow money any longer.

I just today May 30 2010 received a letter from them on their version of our escrow account which I mite add is going up from 766.11 to 896.21 as of 7-1 2010 because they say our escrow account is showing a shortage of 1416.94. My god this Cenlar co. is actually going to drive me crazy. I've sent them the right information as to were they've screwed it up. This is the other thing these smart people and Cenlar do. They sent two installments of my escrow money, in September, to the same wrong insurance co. twice, on the east coast, when my insurance co in on the west coast "Seattle WA." which caused the second problem with my escrow account.

They've never gotten it straightened out yet, and were on our 10 month since Aug. of 2009. I literally cannot take the mental stress of this companies on going incompetent actions with my mortgage and escrow money. They can't be trusted to handle money or mortgages for the public. I had no idea this was going on with so many people. I only found that out in the last two weeks because we cannot mentally take it any longer, we are refinancing through another mortgage co. Yes, we are going to get the shaft,and loose money, first on our escrow account, and on the refinancing fees to refinance. I think that's what Cenlar wants. That way Cenlar wins, they still get to screw people out of money that goes in Cenlars pocket,or the pockets of the people who work for Cenlar, and the customer just moves on by refinancing through another mortgage company. I would love to talk to the news media if I thought It mite rectify the problem for us and others. And I would love to here from an attorney If I thought Cenlar would be made held accountable for their incompetency with customers hard earned money.

Finally called my rep at Metlfie and let him deal with it awhile. Then I receive a notice my payment is increasing about $80.00 a month because of escrow shortage. There is no way tom y knowledge my insurance nor my taxes have increase. You can not hardly get hold of cenlar if you do you are on the phone forever. I only have a cell phone. I have paid a payment that has not the put on principal. Cenlar is not paying insurance on time and trying to retain some insurance company of their own. They have increase my escrow and asked me to pay a $384.00 in addition to my payment and it is still increasing.

Ive got a good one! CENLAR took over my mortgage within the first year of home ownership. The pay my tax and insurance. The month they took over, my property tax was due and I guess in the shuffle, the bill was never paid. It is now a year later and several phone calls and letters/faxes with the bill to them and it remains unpaid with late fees growing. But this is small potatoes.

In July 2009, Cenlar informed me that I must have special hazard flood insurance because of the zone my property is situated and that they would be buying a policy for me if I did not buy one myself. Looking around I saw that the difference in policy cost were practically nill so they went ahead and bought a policy. Never heard back.

In January 2010, I recieved my annual escrow statement and new payment checks and noticed that my monthly mortgage payment had gone up $500, that is 33% higher than my previous payment, so I did a little digging around. After sending several letters and making phone calls to them, it turns out that they never sent me details of the policy the purchased or any statements for payment. Instead they paid the policy, WHICH was started in April of 2009, when they only notified me in July 2009, throughout the rest of the year. This caused a deficit in my escrow account, for which they have levied a $2000 annual buffer fee to ensure it does not happen again. So now my monthly payment is with the added 2009 policy, 2010 policy and buffer fee.

I am fighting this and have not been paying the new amount, but the old amunt in full. I amanged to find an insurance broker who is supplying me with a cheaper policy (less coverage) and her dealing with CENLAR has now been going on for 4 months. These crooks need to be brought to light. I am still in the midst of trying to resolve the chaos their actions have caused on my account. The property tax bill from april 2009 is still unpaid and they have sent me letters saying they will not be accepting what they call, short payment from now on. They have not responded to the new insurance broker about my 2010 policy after months. I know I will have to get an attourney which is just going to be more cost. Anyone know an attourney?

Our attorney will be contacting CENLAR to release us from escrow and afford us the opportunity to pay our taxes on our own, and no longer suffer from CENLAR's malicious negligence that has caused undue stress by having failed to comply with their obligations to pay the taxes on time, and without the need for faxes to be sent by the homeowner reminding them of their duty.

I have contacted the Better Business Bureau, as well as NY city media to look into CENLAR's failures to properly manage the accounts of their clients.

I am one of the unfortunate people that were with TB&W and then transferred to Cenlar. Cenlar does not report mortgages on credit reports. I promise if someone was not making their mortgage payments to them, they would report that. Since taking over 250K loans from TB&W it is hurting all that have mortgages that are not being reported. I am also in the mortgage industry so when trying to refinance anyone with Cenler it is like pulling teeth to get payoffs and/or verification of mortgages.

Since Cenlar does not report mortgages on credit reports, many people cannot take advantage of Fannie/Freddie refinance plus programs. They have no problem collecting money from people, but they are in no way shape or form helping anyone but themselves. I called them personally to ask them to start reporting my mortgage and they told me it can take anywhere from 6 to 12 monthswhat a joke. Let me be late one time and see how fast they will report that!

When CENLAR bought out Taylor, Bean & Whitaker, which was in July 2009, my mortgage went to CENLAR. I, along with my representatives, ACORN, at the time, sent in what CENLAR wanted to evaluate a re-modification of my mortgage. Nothing was done, nor were we ever contacted, and in late December of '09, I called CENLAR again, and was told that they had received nothing. ACORN sent a packet to them in the beginning of October of '09, with them having to sign for it from the delivery service.

So, in early January of 2010, I again sent CENLAR another packet, return receipt, and having heard nothing, I was extremely worried. At the end of March, or the very beginning of April, I get a letter from CENLAR telling me that my account has been switched to another company, and this company is now harassing me after 8PM, and asking me when I will be sending in my late payments, and also informing me if I want them to look at them re-modifying my loan. I will have to submit yet another packet, making it the fourth time that I, or ACORN, has submitted re-modification packets.

Nothing has been done, and I would love to sue these ** for the mental anguish that they have put me through this past year. I have almost depleted my savings account, down from $18,000.00 to only $6,000.00, trying to keep up with my payments. I have no more money. I will need that $6,000.00 and more, to move from here.

Like everyone else, my mortgage was sold to Cenlar in late Jul early Aug 2009. I was not notified and did not realize anything was wrong until I noticed that my mortgage payment did not come out of my account in Aug 2009. I called my local bank to find out what was going on. They informed me that TBW had been sold to Cenlar and that they had not notified anyone.

I asked the bank what to do about the Aug 2009 payment as I did not want to get behind on my payments. They told me to send it to TBW via certified mail and they would get it to the correct location. I did as they suggested. This month (April 2010), without notice they took two payments out, on one the 5th and one on the 7th. This placed my account in delinquent status while I was out of town on business with no access to money and no idea what was going on. I called them the next day as it was too late the day it occurred. One representative stated that it would take up to 8 weeks to correct. I asked to speak to someone else. The next representative tried to tell me it did not happen, even though I already had prove in my hand that it had.

I asked my local bank to stop payment on the request, which they did. I then receive a letter approximately a week later (yesterday) that my bank refused payment and they want their money now. I called Cenlar on 4/19 again to tell them that they took two payments out and it is not valid as I had not missed any payments and had the documentation to prove it.

I faxed them (their fax number is 1-609-718-1006) all my documentation to include the cancelled check with Cenlar written on the front and back from Aug 2009, and the certified mail receipt, signed and accepted. We will see what happens, but I doubt anything will by looking at the other comments. I will continue to stop any payments to them other than once a month.

I have sine started the process of re-financing through another bank to get away from these morons. Not only are they morons, but you can never get anyone on the phone that actually speaks English. They cannot understand you and you sure as heck cannot understand them. If you are not already aware, Cenlar has failed to report many, many mortgages on credit reports. Mine has not been on my credit report since TBW went under. I have talked again with my bank about this, and they stated that they are getting multiple complaints about this as well. I will not deal with these people anymore. Their name should be Cen-Liar, as they do not admit to their mistakes and do nothing to correct them.

When Taylor, Bean & Whitaker was closed, I was in the middle of a refinance. Both the prior loan and the refinanced loan were "sold" to Cenlar corp, and they have been trying to collect on both since 8/09. I have faxed, emailed, and called since that time and I never receive a response. Still, I continue to receive 2 bills, one for each loan monthly. I am current on my refinanced loan, however the original loan is going to collections. Credit score affected.

TBW transferred loan to Roundpoint Mortgage. Roundpoint transferred loan back to TBW...Meanwhile "Cenlar" says our loan belongs to them and we are 8 months behind in our payments and that they will both honor our loan modification that was done by TBW. Meanwhile, TBW has our escrow and money. Please help. In fear or foreclosure.

We are both disabled and got the loan modification because we needed to lower our house payment. We can't pay 2 mortgages. I can't contact TBW and Roundpoint has no record of us even though they cashed our checks.

I had my mortgage with Taylor Bean and had set up an automatic withdrawal from my checking account in August. Online info said it was confirmed, but nothing was taken out. Then I learned of the bankruptcy and kept trying to get information.

Finally, I received one letter from Cenlar saying use the payment coupon, but there wasn't any payment coupon. I called them repeatedly and asked them to send me the coupon book and instructions on how and where to pay my mortgage - nothing came. I finally got through to Cenlar and authorized payment for two months to be taken out of checking. I asked again for instructions and coupon book -nothing came. Several months later, I accepted an 800 call (usually don't answer toll free numbers or numbers that I don't know - too many scams out there) and they were transferring mortgage to Ocwen because they handled their collections with troubled accounts. I asked again for instructions and payment book and they said they would make a note in my file.

I've accepted about 4-5 calls from their account representatives in Mumbai and paid another two month's worth, asked for instructions and coupon book - nothing happens. My mortgage is dated May 29, 2009 and I've received one letter from Cenlar, nothing from Ocwen, and I still don't know how to pay my mortgage. I'm going to have my lawyer get involved before my 700 credit score is down to zero.

I refinanced my mortgage about 1 yr ago and it was bought by CENLAR. For the first couple of months, my payment was posted on time without any problems. But for about the last 4 months, the payment has been consistently posted late when it was mailed at least a week in advance. Each time, I have been charged a $70 late fee and now they do not want to remove it. When I call, I get no explanation as to why this is happening, and I am offered to pay online for a $3 fee or have the payment drafted out of my account every month. If the payment is drafted, they pick the date, not you, and unfortunately that does not work with the way I get paid. Leaves me no choice but to mail it, but I am beginning to think the $3 is the better way considering the high late fees.

I really question if this not a deceptive practice in order to obtain more fees from its customers. Amazingly, my payments seem to get posted about 1-2 days past the due date. I can only pray that someone else buys out my loan. I have never dealt with a more difficult company in my life.

My mortgage was being serviced by Tayor, Bean, and Whitaker, but was transferred to Cenlar. Cenlar they demanded an additional ~50% in monthly payments over what I had agreed to in my loan and had been paying for many months with no problems at TBW. I called Cenlar several times to try to figure out why I was being charged all these additional line items including Homeowner's Insurance which I don't want and never agreed to and some others that they never adequately explained to me.

The first new charge I inquired about was the Homeowner's Insurance, since I figured this would be a no-brainer and could be easily resolved. The short of it is, I never purchased homeowner's insurance, I don't want homeowner's insurance, I never agreed to pay for homeowner's insurance, and I'm not going to pay for homeowner's insurance. I thought this was pretty straightforward and asked them to remove it from my monthly breakdown.

I was informed that Cenlar "requires" that I purchase homeowner's insurance, whether I agree to it or not, and that it is a "force payment. " That is their phrase. At this point, I decided there was no point in continuing to deal with these people. I'm currently searching for a class action that I can join. Mental and emotional strain. Valuable time taken away from running my business.

My loan was transferred from TB&W to Cenlar in September 2009 following TB&W's shutdown. There is a $2500 escrow shortage, though taxes, insurance have not raised. Cenlar claims that TB&W did not properly report/collect the monies and since their bankruptcy, there is no recoupment of escrow. As a result, my monthly payments have increased $200 because I have to repay the shortage. Though the loan is a Freddie Mac loan, I am unable to refinance under HARP because of new incentives that were attached to the loan during the transfer to Cenlar. Cenlar will not refinance Freddie Mac loans because they say they are not an originator. As a result, I am having to work with another mortgager to try to refinance. But Freddie Mac says I am ineligible because of the incentives now attached to the loan that benefited Cenlar. I am current on my mortgage and I am a victim of the economy and the bank scams.

Taylor Bean & Whitaker home mortgage sold to Cenlar. Payments doubled due to shortage in escrow for homeowner's insurance and property taxes (which I paid personally). When I contacted CENLAR, the customer rep pulled my record, said TBW tripled "force" billed me, creating a shortage in my escrow account, which was then transferred to CENLAR. They said to continue making normal payments while the matter was being investigated. Then I get a voicemail message from the same rep who tells me that I have to prove that I paid the taxes and insurance and that the insurance company received payments from me and not from TBW, as well as disprove that TBW forced billed me. This is for 2007!

The insurance company sent me a statement showing a payment was received (they aren't going to show they collected and kept triple payments) but it doesn't show who paid them. They said that's all the info they had since it was from 2007. CENLAR also charged me for flood insurance more than my actual homeowner's insurance which is something I've never been required to have nor did they give me a chance to get this on my own.

More crooks. Are consumers so low on the food chain that we consistently have to be treated this way at the risk of having our homes taken away? I'm on disability. I'm about to have a nervous breakdown. I pay the mortgage on my home and allow my disabled elderly parents to live there. Now I'm worried they will be put out on the street. I don't know how much more I can take.

A rep called to question about Feb. and Mar. non-payments. I explained about the insurance forced on the mortgage when I already had insurance that had not been cleared up and I did not have the correct payment book. Then I was connected to Ruth. When I explained all this to her, she said I could get new book and payments were $6. I said no. She suggested my agent contact them and I told her the agents has talked with them and paper work was sent to Cenlar proving coverage which she says they don't have. When I told her I was going to contact the Attorney General, Ruth hung up on me.

I'm paying double insurance on same property. The forced one is twice as much and covers only the house. It has made payments go up and they owe me what I've already paid them back. I do not have escrow on my mortgage.

Cenlar mortgage bought my home mortgage from Taylor Bean and Whitaker in the second half of 2009. Cenlar continued to use the "direct transfer" payment that I had set up, so Cenlar automatically deducted the mortgage payment, home owner's insurance payment, and local tax payment. I trusted Cenlar to pay my home owner's insurance payment. Cenlar claimed they mailed the payment on 2/17/10, but the Safety insurance company claims it was not received, overdue, and my policy will lapse in two days on 2/26/10.

My insurance agent, Barbara ** at Berry Insurance in Franklin MA reports that she has called Cenlar several times this week to suggest Cenlar cancel the check that has yet to arrive, and send by overnight mail another check to make sure my policy does not lapse. I have also called Cenlar twice and Cenlar's response is that they "can't" take any action to ensure that my policy is paid with the money they have already collected from me. Neither customer service rep offered to notify a supervisor of my concern, offer any problem solving ideas or advice, and seemed unconcerned that I could be without home owners' insurance in two days.

I have been paying a mortgage and home owners' insurance for 19 years, find it very frustrating that Cenlar can take my money for home owner's insurance without feeling obligated to pay the bill on time. I have had many mortgage companies over the years. This is the first one with whom I have had a problem. Unless the check is received by tomorrow, I will have to drive to the insurance agent to pay the $856 myself to keep the policy from cancelling.

I refinanced my loan with Central, on November 25, 2009. At that time, there should have been well over six hundred dollars in my escrow account. This money should have been returned to me. It's my money. To this date, I have received $93.90. According to my records, they owe me $536.98. I called their customer service on February 2, and they told me I should get the rest of my money by the end of the month, maybe. No kidding, she said maybe. Any help will be appreciated. I am retired, and live on a fixed income. Five hundred dollars, is a lot of money to me, and I don't intend to be cheated out of it.

There have now been four incidents of Cenlar reporting that they have not received our payments. We pay our mortgage through our bank and thankfully have records of all transactions from TD Bank to Cenlar. We pay over 10 different companies through our banks online bill pay service and have never had an issue with any payments to other companies. Cenlar claimed to have never received a check three weeks after it was mailed from our bank. The company claims to process the checks the same day they are received. Funny then how it takes over 10 days for a check to reach a destination in the same state which it was mailed in!

We have had to contact our bank and have them stop payment on two checks that mysteriously vanished! Thankfully, because our bank was the party that issued the check, we were not charged a fee. When we spoke to Cenlar about these issues, they suggested we "wait" to see if they receive the check despite the fact that it was to weeks from the date the check was mailed. Another suggestion from Cenlar? That we should mail our checks personally to them. Sure, why not. That way there would be no proof that we mailed them! Also, we have learned not to hold our breath waiting for a callback from a customer service representative. This company is impossible to deal with! The only thing we can hope for is for them to sell our mortgage to a competent company!

Of their own accord, they decided to add property taxes to my bill. I paid my property taxes directly to the county of Greenville. I have sent them several letters proving my payment to the county. They have ignored my letters and still bill me for taxes. Today, they returned my mortgage check claiming I did not pay the complete bill for which they again, mistakenly, included taxes. They also are billing me late charges! I am ready to take this matter to my attorney. This company's behavior is outrageous.

My mortgage was transferred to Cenlar in August 2009 from Taylor, Bean, & Whitaker. I wrote a written request to Cenlar on 12/11/09, indicating that I pay my own Hazard Insurance and not to escrow this. Despite my written request, they paid my hazard insurance, resulting in a shortage in my escrow account for the year. Subsequently, my new mortgage payment increased. I discovered this after my insurance company sent me a refund check, since I had already paid my insurance. I contacted Cenlar on 12/29/09 about this error, and talked to Jeff S (ID#Z77). He stated that he would rectify this error and stated that I should send the refund check to Cenlar to have it deposited into my escrow account. He stated that my monthly payment would be re-analyzed to rectify this error. I was informed that this would be rectified by 1/20/10.

I mailed my check with a qualified written request, under Section 6 of RESPA. I have verification that it was received on 12/31/09, at 11:52 am, signed by P. N. As of today, 1/23/10, this has not been rectified. I contacted Cenlar and spoke to another manager, ID#Z99, who first stated to me that they never received any letter or check to redeposit. After informing him that I received verification from the United States Postal Service that it was received and provided him with this information, he then informed me that it was received, but could not explain why it had not been rectified. I also mentioned to him that the taxes that Cenlar indicated for FY 2010 was incorrect. I informed him that the FY 2010 Actual Real Estate Tax Bill I received from Marlborough's Tax Collector was much less and requested that he rectify this, as well.

Despite sending a written qualified request, this has not been rectified and I have not received any response. I feel that I have been given false information when I call (i.e., that they never received my letter) and that they are not using accurate information (i.e., using incorrect tax information). I am hoping these are human errors, but given the fact that the second manager (Z99) denied receiving any information until I provided proof that they received my letter, I am concerned about unethical business practices. I would appreciate any guidance or assistance in this matter.

Dealing with Cenlar since they took over TBW mortgages has been the biggest nightmare of my life. Ironically, I never had any problems with TBW. Back in September, I wanted to know if I could modify my loan, since I had been in the process (signed all the closing papers, in fact) of refinancing with TBW. I sent an email, and to this day have not received a response, and spent hours on hold trying to get through to customer service. Finally, I was told that they are not doing any kind of modifications.

Then in October, I called to see how I could get my PMI dropped. I was told that I had to mail a letter to the PMI department. There was no email, no phone number to contact them. I asked if I had to send it Pony Express. I did not receive a response to the letter I faxed until a month later. Then I switched hazard insurance, with "only" 42 days notice instead of 45. They sent me a letter telling me that they had two bills and I had to tell them which to pay.

I called and was told that the new bill was in process and the old one wouldn't be paid. They paid the old one, throwing my escrow into negative (I switched because my rate went up $300). I called again and was told to mail the refund check from the old company to them and they would pay the new company. A month later, the refund is still sitting in escrow and my homeowners insurance is past due. I called again and was told that I should have cashed the refund check myself and paid the new company from that, an option I had asked about when I was told to mail the check in. The CSR was totally rude about it.

In one of these calls, I was told that the new insurance had been paid, and when I asked why my escrow balance was ridiculously high for it being the end of December, when all the bills should have been paid, the (Indian) CSR told me that I pay extra to my escrow every month and that's what it was but the insurance had definitely been paid (it had not). I am sick and tired of dealing with their incompetent lying customer service. If they don't know, they just make stuff up. And this is only a fraction of what I have dealt with in the last 5 months.

I just closed on a refinance yesterday, which I had not been planning to do this year, but Cenlar is still not reporting to the credit bureaus after 5 months and I wanted to get away from them before they severely damage my credit with their incompetence, fraud, and lies. Refinancing cost me about $2500, plus from what I am reading on the internet, I may not see that $800 escrow balance for months. I am furious and fed up and I will do just about anything to see this company shut down. I would love to see a class action lawsuit, or any information as to who to contact in the government to see Cenlar penalized. I understand that they were overwhelmed when these loans were dumped on them, and I was patient the first couple months, but at this point it is clear that they have no business in this business.

first they didnt pay insurance out of esgrow it was cancelled then they are charging me 337.41 a month for county tax which actually should be 34.77 and returned my payments until i pay the wrong amount which they said they would refund but cant change the amount due until it is current. I dont know about you but i dont have an extra 300 to send them a month until they get it right. i didnt think anybody could be worse than taylor bean and whitaker, i was wrong.

I too have called Cenlar several times. I asked our ins. co. to fax Cenlar directly (in November), but Cenlar had no record of it (in December). The rep told me to put the Cenlar loan # on the documents because otherwise, the loan could not be looked up. On Dec 8th I faxed them copies of our last 2 statements from TB&W and the escrow analysis showing that hazard ins. was not part of the package.

Today the Cenlar rep told me that they received my request from Dec. 8th, but not the supporting documents. Everything was sent at the same time, and I wrote my Cenlar loan # on every page. I was told to fax everything again and call back in 3 business days, it would be put on priority status. Just tried to send it and...the fax won't go through. Arrrrrrrrrrgh.

My previous Mortgage Company TB&W went out of business and my account was transfered over to Cenlar. Due to a mistake in the transfer, Cenlar shows that I do not have home mortgage insurance and tacted on a hefty escrow fee of $3200 during the transfer and $673 additional monthly. I have spoke to multiple customer representative and fax in my proof of home owners insurance twice. Each time I was promised that this was taken care of and the money will be refunded. I was even promised by the customer service manager last time that they would at least freeze my automatic withdrawal until this is resolved. However, Cenlar has continued to take money from my account. This has gone on since August and thats close to $8,000 extra they have taken from my account. I've also submitted multiple emails on their sight asking for assistance.

This company paid home insurance and flood insurance to Travelers Ins, with authorization. We had already paid these premiums to Travelers Ins.befor due date and have cancelled checks in possession. We have no escrow account with CENLAR. Travelers has returned thie money by checks to CENLAR and CENLAR admits that they have received the refund checks for Travelers. However , CENLAR has thus far refused to credit our NONexistent escrow Account and still shows that we have a negative balance for the money the advanced to Insurance company without our knowledge or authorization.

This is the most unfriendly, unscrupulous company I have ever had the misfortune to deal. We did not pick this company but mortgage was sold to them from Taylor Bean without only communication to us. No wonder mortgage companies and banks afe failing. Their accounting department and customer services department need a total overhaul and replaced with people who are knowledgeable. I have spent over 8 hours in phone calls and emails and always get someone who admits CENLAR is in error but "I cannot doanything about it.

As the rest have stated below we have been dealing with Central Loan Administration for months. We were with Taylor Bean and Whitaker and when for months we had no idea who even had our mortgage. By the time we received our first invoice months later they had started taking out way to much in Escrow. Our taxes were supposed to pay $2778 this year and instead they took $4140 into Escrow for taxes. After faxing EVERYTHING they have asked for over and over still no solution. We call and they say "I will forward that to my supervisor and they will call you back" which they NEVER do.

So to top off the continual over payment each month on our Tax Escrow situation we discover today that they have charged us not once but twice for Homeowners insurance Escrow. Instead of the $924 we owed they took it out twice but here is the real kicker. They took out the payment twice and then did not pay our insurance company and we now have an uninsured home thanks to their non-payment. That is hands down the most irresponsible banking I have ever heard of.

After hours spent on the phone pleading with my insurance company they are considering re-instating us since they finally received a payment last week, very late. I can only imagine the loss and tragedy that would have been our life if something had happened since the cancellation of our policy several weeks ago without our knowledge.

After several hours on the phone again today we were, once again, promised a call back from a supervisor with answers. Doubtful this will happen.

My mortgage was transfered to Cenlar from Taylor, Bean and Whitaker.

It is now November, 2009, 3 more months, and the issue is still not resolved. I have called 14 times to the customer service numbers provided only to be put on hold for an average of 45 minutes (some calls lasted over 1 1/2 hours with me on hold for the majority of the time). Each and every time I am told that someone is either going to call me back or help me resolve the issue. It has been 5 months and the issue is still not resolved.

Now I am receiving weekly automated calls from Cenlar to call their company (which I am doing) and resolve the fact that I haven't paid my last 2 mortgage payments. The reason I haven't paid the last two payments is simple: they cashed my August 2009 payment and are not giving me credit for it. In addition, they have arbitrarily increased my FIXED rate mortgage by $600.

Here are the facts:
I have a fixed rate 30 year mortgage.
The payment has been $2,900
My taxes have gone DOWN
I sent in proof that my taxes have decreased.

I have paid my mortgage on time for the past two years.

11 of the 14 calls have been with reps in India. I have been laughed at, hung up on and placed on hold for over 30 minutes at a time.

Even the US reps were unhelpful and told me "someone would look into the matter and get back to me".

That has not happened. Now I am attempting to sell my house just because the stress of it all is not worth it. I borrowed $394,000 2 years ago and they tell me my payoff amount is $397,000 even though I have not missed payments.

I had my mortgage with TWB and was int he process of refinancing to Suntrust when Cenlar took over TBW. WHen I made the payoff to TBW, there was a pyment I had made that had not been credited yet, so I essentially overpaid the payoff - was told by Cenlar that once the payment was posted it would be immediately returned to me. This was int he beginning of August. I have called multiple numbers multiple times, always ending up talking to someone in India who knew nothing. I finally contactd customer service via e-mail and received an e-mail back from a Deborah (this was a month ago). I have had promises from her on a weekly babsis that they will resolve the issue - just getting told the "analysts are researching it" - I have sent them copies of my canceled check so there is no reason for them not to replce what is owed to me (over $2,000)

My mother-in-law has a mortgage with TBW, now transferred to Cenlar. Her mortgage was only for principal and interest since she pays her own taxes and insurance. TBW in Feb., 2009 took from her bank account an additional $1,341.93 which they said were to pay taxes. When she called they said they would credit her bank account since they did it in error. Talked to Julie, but it was never done. Then the mortgage went to Cenlar.

To this date we have documented 15 calls, emails, letters, to Cenlar because they are trying to have her pay more than her principal and interest and saying they need escrow money. Since we have only talked to a live person twice and told them she pays her own taxes and insurance it is very hard to deal with them. We had to stop the bank authoriation because they tried to take more money which they are not entitled. My bank cooperated but we received a nasty letter from Cenlar saying we couldn't stop the authorization.

We then had to send a letter stating to stop this. Nothing has been accomplished, they say they will call you back, they never do. I now only send my principal and interest payment as I don't want to be late. The last nasty letter received said I was short and they don't accept short payments and to send more money. I called and said I am not short anything since I don't and never have escrowed for anything. Can anyone help.

enlar FSB is trying to force me into escrow, I have never been in escrow and have had my mortgage for a long time. I have also never defaulted on my insurance. My mortgage payment after I refinanced with TB&W was $489 monthly, my taxes last year were less than $500 and my insurance is $980 a year, but I pay it monthly. Cenlar is trying to raise my payment to $800 monthly! I have faxed them my proof of insurance several times, one week after the last fax to Cenlar, I received a check from my insurance company for all of the money I had paid this year along with a letter stating that Cenlar had paid the $980 in full! I did not cash the check, I cantacted the insurance company, they in turn sent the check back to Cenlar, yet my payment still has not been adjusted. They are now threatening me with foreclosure unless I start paying them $800 a month, FOR WHAT???

When Taylor, Bean, & Whitaker was forced out of the mortgage business they sold my mortgage to CENLAR. When I checked my loan transactions, I found out that CENLAR is posting phony charges against my escrow account. They refuse to explain those charges. I have filed this information with my state Attorney General's office and am taking action to refinance the mortgage with a local credit union. Fair warning to anyone else caught in this TBW/CENLAR scam: check your transaction histories.

I, too, have had issues and confusion with Central Loan Administration. I am nervous about trusting them with any of my money and with the services that they are supposed to be providing me, such as payment of taxes and insurance. I was able to speak to a fairly helpful person today, and thought I would pass along his phone number at CLA, as it is not one listed on their statements. Strange timing of payments, unhelpful website, assessing late fees before pymt was due

After the collapsing of Taylor, Bean and Whitaker. We got a statement in the mail from a new company, called Cenlar, informing us to send them a check for our September payment and requesting optional bank info to take out future monthly payments. We have always had our payment on autpay and so we offered the bank info. What do they do, they cashed our check and then just 1 day later they took another payment for auto pay! What the heck? Then I called them and was placed on hold for 45 mins and said that they deeply apologized for the mistake and they would skip October's auto pay and the next payment would be November 1st.

Today, I looked online I saw where my checked cleared on 9/8 and then they next day on the 9th where the autopay kicked in when it shouldn't have. Althought it did the amount should have all went to principal except for a few cents of interest for a day. Nope, $1,046.00 was deducted and only $185.00 went to principal and the rest of it went to interest. I guess in India they have a different numbers system when it comes to interest rates?

I emailed feedback to them and it said what time can we call you and expect a call with 48 hours. It is has been a week and the call still hasn't came? Another website that I have been to also had complaints had this pdf file that has a bunch of email addresses of some BIG WIGS of this company. One person said that they did that stating their complaint and apparently got a return call within 2 hours.

We are going to search for another bank or mortgage company to take over our loan. We pay our own taxes and insurance which is taken out monthly and our taxes semi-annually from our bank account. Now most of the banks we have talked to are willing to do a new refinance loan with a lower %, but we need a $700.00 escrow account to take out for taxes and insurance. This Cenlar Co. doesn't know how to pay taxes or insurance leaving a lot of customers sleepless at night hoping that their house doesn't catch on fire or come in contact with flooding waters. That also doesn't count about the fear of the county coming to take their property from them because of no taxes being paid.

I have a paid receipt and my statement from Taylor Bean shows it was paid. The Sebastian County Tax collector says they are not set up to receive wires and had they received the payment they would have returned it to CENLAR. I called CENLAR again and they can't tell where the money went. They also show on their statement that the same amount was deducted 8/2009. I have spoken with 3 people and they can't tell me where the money went or why. They will most likely raise my house payment now because the escrow shows a negative balance.

Like everyone else, when Taylor Bean went out of business Cenlar was given my mortgage loan. The transfer happened sometime in August and my homeowner's insurance was due August 21, 2009. After my agent has repeatedly faxed the insurance bill to two different fax numbers, given to me by letter and by the 'help desk', they still have not paid my insurance bill out of my escrow account.

I've had to make TWO payments now, to keep my homeowners insurance from defaulting. I've called Cenlar and sent them emails along with the bill being faxed twice with no response and no resolution! I'm told by the customer service to just re-fax the bill and they will pay it immediately upon receipt!

Cenlar is already in possession of the collected fees for my homeowners insurance and property taxes in my escrow account. I now have to pay TWICE because they are not paying out what they are supposed to! I feel like this is illegal to make someone pay twice for something as important as homeowners insurance!

I had similar experience. I sent in two payments that for the month of August and September and my my paperwork to setup automatic draft payments. Cenlar accepted my two payments and they also drafted a third payment. I called, stayed on the line for thirty or more minutes before getting an human to talk to. The gentleman whose name I do not remember assured me that a payment in October will not be taken from my checking account. I don't trust this confirmation so I have written a letter to Cenlar reminding them not to draft a mortgage payment that they received last month.

No offense to everybody, but I too was a victim of the Taylor Bean & Whitaker mess. I too had everything transferd over to Cenlar. I do not work for the company or am I in anyway affiliated with the company. Frankly its driving me nuts and I am not liking the company too much. BUT, the complaints that I am reading about the company are false and misleading. All of you should be ashamed of yourself and if any of you read the paperwork that we were given you would not be in the trouble you are in.

Like many of you I am financially strapped and can't afford anymore than I allready pay. For those that had there mortgage directly taken out of your acct like me everymoth you would have found on that same piece of paper that we all got it said that if TB&W was all ready set up for direct take out of your bank acct. it said to do nothing, it said not to send a payment to basicly just let it sit there and it will eventually be taken out with no penalties. I still have that payment in my acct and there it will sit until they take it out. It also said that to sign up for direct take out, it was for customers who used to pay by check, it was to convince them to sign up and be like the rest of us.

The one thing I would advise is to make sure your INS information is updated because TB&W sent a check to my flood Ins company and it bounced so I am now on hold with Cenlar to try and get them to pay the bill before I loose it. I have had a hard time trying to get a hold of them, but I realize that this is a smaller company that is not used to picking up this type of mess. I am sure that if they have say 200 people working there might be 1,000's of people trying to call with similar problems as you or myself. This is one time where as hard as it is, we have to have some patience.

As far as mistakes that you have made, don't blame the company, blame yourself. READ ALL INFORMATION SENT TO YOU WORD FOR WORD AND YOU WON'T RUN INTO THESE PROBLEMS!!!

Unauthorized deduction from bank account: I received a letter on 8/21/09 dated 8/18/09 that my home loan was changed from Taylor, Bean & Whitaker and that Central Loan Administration & Processing would be handling the account. The letter stated that I would need to mail the payments. So I got the payment ready and mailed it.

At the same time I sent the paperwork to have the payment directly debited from my bank account since that is how I had it when it was with taylor, Bean & whitaker. At the bottom of the letter in bold it stated, "Because of the required lead time to set up automatic deduction, it will be necessary for you to continue mailing your payments until you are notified when your drafting will begin. On 8/31/09 my check for 837.12 was cashed and then on 9/1/09 837.12 was taken from my bank account. This made my account overdrawn and there were fees assessed to my account.

For a week I tried to reach the phone number and found two other numbers on the BBB site and it was busy I never got through until 9/8/09. At that time I spoke with a man named Jason and he said the money and the fees would be back in my account in 48 hours. This is 9/18/09 and this money still has not been credited to my account. Now I cannot again get ahold of anyone the phone number rings busy. This $837 being taken twice has really put a financial burden on me. I have no way to replace that money and it is putting me behind in all my bills. If the letter had not stated to continue sending payments until I was notified of bank deduction I would not have sent a check, but I was doing what I was told to do. They are probably making interest off all this money and have probably done it to everyone. I need this money back in my bank account immediately, it has been two weeks. No one can afford to make a double house payment.

It took us over 2 weeks to not get a busy signal at Taylor and Bean, and after being on hold for over 30 minutes of cellular time 9/10/09, Patti said our check would have been turned over to CENLAR. Over 20 phone calls have been attempted to Cenlar and most numbers are no longer in service. On 9/10/09 we called Patti back and she gave us 2 new numbers.One (888)266-5270 is always busy, the 1-800 223-6527 was also always busy but today 9/15/09 I was able to get a recorded message asking for my account number.It then transfered me to...a busy signal.I hung up after 10 minutes.

Our mailed Sept 1st payment is unaccounted for in our bank,and now 15days late.Patti told us that we would not be charged a late fee, or reported as delinquent.Now we are contemplating doing a Stop Payment on that check. This scenario has the appearance of a Fraud attempt and has us worried. Why shouldn't the consumer have a say in a transfer of such importance and an opportunity to research the new Mortgage holder to accept or decline them? How do we know if this isn't an overnight storefront business with one phone line and only PO Box address, which aren't hard to get.A rightful business should display a physical address that can be verified

I received a letter on 8/21/09 dated 8/18/09 that my home loan was changed from Taylor, Bean & Whitaker and that Central Loan Administration & Processing would be handling the account. They gave me a new loan number of 0031622095. The letter stated that I would need to mail the payments. So I got the payment ready and mailed it.

At the same time I sent the paperwork to have the payment directly debited from my bank account since that is how I had it when it was with taylor, Bean & whitaker. At the bottom of the letter in bold it stated, "Because of the required lead time to set up automatic deduction, it will be necessary for you to continue mailing your payments until you are notified when your drafting will begin. On 8/31/09 my check for 837.12 was cashed and then on 9/1/09 837.12 was taken from my bank account. This made my account overdrawn and there were fees assessed to my account.

For a week I tried to reach the phone number and found two other numbers on the BBB site and it was busy I never got through until 9/8/09. At that time I spoke with a man named Jason and he said the money and the fees would be back in my account in 48 hours. This is 9/14/09 and this money still has not been credited to my account. Now I cannot again get ahold of anyone the phone number rings busy. This $837 being taken twice has really put a financial burden on me. I have no way to replace that money and it is putting me behind in all my bills.

If the letter had not stated to continue sending payments until I was notified of bank deduction I would not have sent a check, but I was doing what I was told to do. They are probably making interest off all this money and have probably done it to everyone. I need this money back in my bank account immediately, it has been two weeks. No one can afford to make a double house payment.

CENLAR has break my mortage contract at least two times.

Included in my contract is the escrow account in which CENLAR/ROYAL BANK is suppose to pay my taxes, not once but twice has my insurance been cancelled because of their failure to pay resulting in 1,400 payment taken from my insterest rate, and as a result I had to pay the home owners insurance not once but twice, both times my insurance company state farm cancelled my insurance and I have proof and copies of the document.

My second complaint, when I mail out my
mortage each time Jan. 3 & Feb. 2, 2004, I hand carried/delivered to postal clerk as well as to asked the clerk to post mark document to assure that CENLAR gets my payment(s) to the address on payment stubs. I have faxed pertainent information to CENLAR about the payment for Jan. which was lost in the mail or either they received it and refuse to ackowledge they have it. as to the Febuary payment I hand delivered and saw the postal attendent stamp a post mark date on it. Then call to see if payment was received for Feb. and the check no. 180 has not been clear as of yet, and CENLAR have yet to resolve or call me. They now have sent me a default letter threaten default on my

mortage.

This company and only this company in our new addition, Villages of Woodlake in Little Elm, TX completely miss calculated our escrow accounts. They did not calculate them at all in fact as set forth under RESPA law. They merely used the previous years figures as guidlines which they can only do if they do not have anything else to go by, and they did have the appropriate bills from the county, and refunded money, dropped mortgage payments, and caused the escrow accounts to be so short and such a large deficiency that the house payments were without warning at all put up over $400.00 dollars per month. They told us the estimated wrong, but we must pay this back in 1 year or go into default on the account. I have spoken to many people in my neighborhood, and ONLY those people who had there loans serviced by Cenlar were affected. All other homeowners escrows were correct. Please help. This can not possibly be legitimate, or acceptable practice, and why shouyld we be liable for there failure to calculate correctly. Chase who under wrote the loan state they have no control over this, and also state we will default on the loan if we do not keep the additional payments up.