The mortgage lender, Pennymac Loan Services LLC has taken the following steps to ensure that they can file for foreclosure against me:1. They paid past due taxes on the property, to open up an escrow account and increase my mortgage. This was unnecessary, as the home was not under any tax lien, nor in danger of any tax liens with the city of XXXX, NJ. I was making payments quarterly to the city of XXXX. The city was aware that I was behind the taxes and only required me to pay a certain amount before the end of the year, to stay out of danger of a tax lien. I was ready to pay the requested tax amount to the city of XXXX, but the mortgage company intervened, requesting the past due tax in full or no payment at all. 

2. After paying the tax bill, that they did not need to pay, the lender opened an Escrow account, to cover the taxes. The lender subsequently increased my mortgage payments from {$1600.00} to {$3200.00} per month. 

3. The lender made the payment on the taxes on XXXX/XXXX/XX/XX/XXXX, but retroactively increased the past due mortgage payment for the month of XXXX/XXXXXX/XX/XXXX from {$1600.00} to {$3200.00} and retroactively increased the past due mortgage payment for the month of XXXX/XXXXXX/XX/XXXX from {$1600.00} to {$3200.00}. How can the mortgage owed for the month of XXXX/XXXX/XX/XX/XXXX and XXXX/XXXX/XX/XX/XXXX increase when the Escrow account was opened after these dates? What is to prevent the lender from retroactively increasing the mortgage payments for all the months of the entire year of XX/XX/XXXX or previous years? 

4. The payment that I sent to cover the XXXX/XXXX/XX/XX/XXXX and XXXX/XXXXXX/XX/XXXX was only applied to XXXX/XXXXXX/XX/XXXX. The mortgage lender increased the past due amount of XXXX/XXXX/XX/XX/XXXX from {$1600.00} to {$3200.00}, after I sent my payment. I did not sent enough to cover the new past due amount for XXXX/XXXXXX/XX/XXXX. Instead of applying a partial payment to XXXX/XXXX/XX/XX/XXXX the mortgage lender applied all the money left from my payment to the Escrow account, without my knowledge. By doing this the lender put me over XXXX days delinquent on the loan. 

5. It is now XXXX XXXX, XX/XX/XXXX and I have not received my statement for the month of XXXX XX/XX/XXXX The lender does not send mortgage statements in a timely manner. I fear if I make a payment for the incorrect amount, it will be applied to the Escrow account, instead of the mortgage, which will place me further behind on my mortgage payments. 

6. I am a XXXX, female, senior citizen and I believe the mortgage lender is targeting me because I am in a vulnerable position and I can not afford to defend myself against their predatory methods. 
