This is truly the worst mortgage company we have e...

This is truly the worst mortgage company we have ever dealt with, and we are senior citizens and between us, we have purchased 10 homes.. We have never experienced the ridiculous problems we have with these people.. In December, they applied our Jan.1 payment to our Dec.1 payment, even though it was paid in Nov., and they are now telling us we're behind in a payment. I have pointed out there error to countless reps, they all agree this was their mistake and they will get it taken care of, but it's been going on for over a month now and it still isn't fixed.. We're getting default letters from them, late payments added to our account, all of which reps keep saying they will take care of, but they don't. You can't reach an American to discuss anything with, the reps are all based in other countries (which, by the way, make it very hard to understand them).. In Dec. they said we were short $73 for our escrow account.. I knew we wern't, but sent them in the extra money anyways.. I just realized what they did.. They paid our winter taxes on Dec.28 instead on Feb.2 when they are due!! Our Jan. escrow payment ($74) should have been applied to the winter taxes.. I'm sure they do this for tax purposes that benefit them, totally screwing us! This is truly a good company to stay away from! We've been dealing with them for 11 years, and they really wern't that bad at first. American reps, problems were taken care of immediatly, etc, but for the last couple of years, they have just been horrific!