I have been having several difficulties since our mortgage was transferred from XXXX, then GreenTree Mortgage and now Ditech mortgage company. Since the transfer, my husband and I have noticed that our monthly payments are not being applied correctly and the mortgage company and we feel like we are being scammed. We pay additional money each month where we request that the additional amount be applied towards the principal and escrow. The mortgage company does not supply payment books that allows us to pay extra towards the principal and escrow. When we spoke to them about our issue, they spoke to us in a condescending manner and tried to make us appear stupid. We were told that they could not provide us with a payment booklet that would allow us to show how much of our additional payment should be applied to principal and escrow. In fact, we were advised to write it out on our payment statement and then we have to call each month to inform them how to apply it even after we had written it out. My husband and I are both elderly and I 'm in a XXXX. We feel that this mortgage company has made it very difficult for us and have taken our additional payments. When we receive our monthly statements, we notice that our additional payments are not being applied. Where has our additional payments gone? We are elderly but we will not sit back and be taken advantage of by this mortgage company. When our mortgage was transferred to GreenTree, we never received a check for the extra funds that we had paid into the escrow account after our taxes and insurance was paid. Where are those funds? 
