My question involves real estate located in the State of: NY
I co-own the property with ex-husband. We are both on the deed and mortgage. I am solely obligated to pay mortgage and taxes on the house as per divorce decree. Taxes are included in the mortgage. The bank insist on not communicating with me, stating as ex-husband signed on the top line he is the primary. Case closed.
Whenever there is an overage in the escrow account, the bank sends the check to the ex-husband (I have been solely responsible for all payments since September 2016) who deposits it. If there is not enough cash in the escrow, the bank sends him the letter before raising the mortgage payment, they do not communicate this with me either.
Is there anything I can do? Please do not say to reach out to the ex-husband, obviously I wouldn't pose my question here if that was possible. Bank states they are compliant, and doesn't need to communicate anything with me as my name is on the second line on the mortgage papers. Do I have rights on my side against the bank? All I want is for them to communicate with me, if overage in escrow account for them to forward that to me as I am the one that paid the taxes. Thanks in advance!