My question involves real estate located in the State of: Ohio
My FHA home loan was refinanced the end of April 08. Within a month it was transferred to another company, along with $1144.00 in my escrow account which was applied at closing. The new lender failed to pay my property taxes which were due 5 weeks after the loan was transferred to them. There is currently $1600 in my escrow account. Taxes are for 1/2 a year, approximately $1000.00 each 6 months.
Upon calling the new mortgage company to inquire as to why these were not paid, I was told that it was not their responsiblity to pay these taxes, it was the responsibility of the previous mortgage company, even though they did not have the loan when the taxes came due. I was then told they would "research" it and let me know what they found out, after 45 minutes on the telephone. The new mortgage company also refused at first to give me their tax mailing address, giving me my own counties address, then two other addresses. The previous mortgage company and title company told me it was the new company's responsibility to cover the taxes from the escrow along with the penalty charge and interest.
I was charged almost $100 penalty by the county auditor for not paying these taxes on time. There is more than enough money in the escrow account both now and when the loan was transferred to the new company. I have owned my home for 4 years now and have never had this problem with previous companies transferring my loan. Any suggestions on how I can have the new mortgage company pay the penalty charge and interest due to me?