I am having difficulty paying my mortgage because my taxes and insurance are not escrowed. I contacted my mortgage servicer and told them I was not going to be able to pay the XX/XX/XXXX payment because I was paying my taxes of {$890.00} and my insurance of {$660.00}. I paid the taxes and the insurance last week. Now i received a letter stating they paid it too! We have never been late on paying our mortgage until now.I asked if I qualified for a HAMP and my servicer started the paperwork for my HAMP application. I sent my documents to them within 24 hours. Now they denied me and I just received a letter stating they paid my taxes, which I did not ask them to do, and that they paid it from my escrow account. I do n't have an escrow account with them, however, they took it upon themselves to create one! Now my mortgage payment is going to increase because of the escrow. I explained to them that the reason I am having difficulty is because I was diagnosed with an illness and that the medication, treatment, and therapy have used up my savings for the taxes and insurance. They refuse to lower my interest rate, currently it 's at 7.8 %, I have a good credit score. They claim they denied my HAMP application because my mortgage payment is less than XXXX % of my income. Currently the amount of my mortgage payment being applied to principal is only {$530.00} and the interest I am paying is {$520.00}, which to me is outrageous. I am struggling financially and trying to keep my head above water. I tred to get my home refinanced, however, because I have a XXXX lien for the XXXX Hardest Hit in the amount of {$38000.00}, I ca n't get refinanced because my home is still not worth the total amount owed. 
