I am writing to inform you of the difficulty I have endured by refinancing with XXXX XXXX, who was seized by the Federal govt in XXXX. I refinanced on XXXX XXXX, XXXX with XXXX XXXX. They were shut down in XXXX XXXX by the Federal govt. My mortgage was transferred to Loan Care Servicing in Virginia. I have been asking for a copy of my title insurance since XXXX, which over {$3500.00} was included in my contract. I 've found monetary discrepancies & fallacies in my mortgage contract along with exorbitant charges through having a Forensic Audit done. The mortgage contract claims to be a fixed rate but in actuality is a variable rate. This is supposed to be an FHA loan but I can find no record of it. I 've contacted the Title agency, and the lawyer of record, XXXX XXXX, XXXX. but neither to date has responded to me. I truly believe there was not ever an insurance title, and the charges stated in the mortgage are fraudulent. We have been requesting that the servicer do a restructuring of the loan, especially when my spouse faced hardship in XXXX when he was laid off. A Forbearance was granted for 6 mos, after that, they requested all monies totaling {$15000.00}, they claimed was owed, even though they told us if we met the Forbearance, they would grant a modification. We are not trying to get a free ride but want someone to address what we feel is fraud. We have recently received letters not only from Loan Care, saying they own the Note, but also from XXXX XXXX, who says they own the Note from Loan Care. We have checked our county records and find that many illegal assignments have been recorded in the XXXX XXXX clerks office. Also, new title insurance policies have been issued in the state of Virginia and in the state of XXXX, TX. The loan number has been changed on three occasions throughout the the loan. We 've tried to seek justice by hiring at least XXXX law firms but we were simply taken for a ride and our money. We were reimbursed a portion by the Federal Trade Commission. Now, even though we have recently spoken to XXXX XXXX, who claims they hold the Note, we 've received a Notice of Acquisition from the XXXX Law firm representing Loan Care, saying we are in foreclosure and threaten to hand over the Title ( what title?! ) to HUD, who will in turn hand it over to Loan Care. We pray you will investigate this matter of fraudulent and unscrupulous acts from taking place and preventing these entities from unlawfully seizing our property without legal assignment of Note, Principal disclosed, issuance of our Homeowner 's Title policy in mortgage, and explanation of exorbitant charges in mortgage. 
