My mortgage company changed the locks on my property after my XXXX house payment was 51 days late. I had called and talked with my account executive above being late with my XXXX payment due to seasonal work but I would make that payment in XXXX and my XXXX payment-I would have funds by XXXX XXXX. I called my rep on Thursday XXXX XXXX to make the XXXX payment and schedule the XXXX XXXX. The rep told me that they had sent someone to my property ( 51st day late was XXXX XXXX ) & they reported it vacant/abandoned. I told her that the property was vacant but not abandoned & that I have had vacant - insurance, etc. She made some comment about stopping " them from changing the locks '' and getting it straightened out. On Friday the XXXX after XXXX I went to my house and " someone '' had broken into my house - changed the locks, put a lock box on & some sticky notes stating : " The mortgage company holds the right and duty to protect this property. The property may be rekeyed and/or winterized within 3 days '' Is this even legal? NO phone call - NO overnight letter - The house was secure - they had to RIP my locks off my steel door. I have kept the " pieces '' as proof that the house was securely locked and they did not get in easily. 
On Saturday the mailman left a note regarding a certified letter that I can pick up AFTER the XXXX. I assume it is from the mortgage company. ( The mortgage company uses my current mailing address and must be aware that it is different than the property address on the loan. No mail deliveries are make that address ) Also I think this loan is a conventional loan. 
