To whom it may concern : on XXXX XXXX we refinanced our house with new penn financial, shellpoint became the mortgage servicing, on XXXX XXXX they claimed they paid {$7000.00} on XXXX insurance, why? I do not know they have not given an answer. Our insurance premium is about {$150.00} a month, we had only been 12 months with this company there is no way we owe that amount. Our escrow got short now our payment went up {$500.00}, since we only pay whatever we agreed, we keep receiving letters of default and we are loosing our house. I have been fighting this company for seven months calling them every week in up to today I have not got a decent answer. We have never missed a single payment, this is very extresful situation and obviously they do n't care on fixing this problem. Thank you for your time I hope I can get some kind of help resolving this matter. 
