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TO: ___________________________________
___________________________________
___________________________________
___________________________________
Property Address:___________________________________
___________________________________
Hello and thank you for your assistance. I understand that under Section 6 of RESPA
you are required to acknowledge this request within 20 business days and must try to
resolve the issue within 60 business days.
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cannot identify or determine:
a. to whom my actual obligation is owed;
b. who is my actual lender;
c. your authority to collect payments or to engage in home
retention / loan modification processes.
The current amount you claim I owe as the principal balance due on my
Loan may not be not correct because of, among other things, the predatory
charges and fees that were included at loan origination and during the
servicing of this loan.
Upon receipt of this letter, please refrain from reporting any negative
credit information to any credit reporting agencies until you respond to
the requests set out below in this letter.
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loan and the plain English definitions for each code. Also, please
identify the mortgage servicing software you use in connection with my
loan (LPS, etc).
16. Identify if you are you the servicer, master servicer, interim
servicer, private label servicer, default servicer, sub-servicer, and/or
special servicer of my loan.
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18. If my loan has been securitized then provide me with all
documentation evidencing:
a. All trusts, SPVs, QSPEs, REMICS, and entities that my loan has
been assigned to from its inception to the current date;
19. If there is any Fannie Mae, Freddie Mac, Ginnie Mae, FHA, HUD,
VA, or private guarantee related to my loan, provide documentation to
identify who has provided this guarantee and what portion of my payment
goes to this guarantee.
Thank you in advance for addressing my requests as required by law. Please mail your
response to my address below.
Sincerely,
_____________________________
ADDRESS: _________________________________
_________________________________
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