Three years ago we refinanced our home with XXXX XXXX to get a lower interest rate. During the first year of this refinance we received a notice stating that we needed to start sending our payments to LoanCare, XXXX. We did this for nearly two years, during the last 6 months or so we got behind on our payments and was offered a Loss Mitigation by LoanCare. This Loss Mitigation was approved for a four month trial period. We made our reduced payments every month during this trial. In XXXX Loan Care sent us a notice that we no longer qualified for the loss mitigation and that we owed the full amount in mortgage payments. They did not give us credit for the payments that we made during this four month trial period. We have been unable to get anyone from LoanCare to give us a reason why this money has not been applied to our account. We feel that an investigation should be filed in order to find out if this is a common practice for this company and put a stop to this. 
