I filed a prvious complaint ( XXXX ) about my mortgage servicing company holding extra funds earmarked for principle reduction in a non-interest bearing account. It took them five months and your complaint to get the funds applied. The following exceprt from a letter dated XXXX/XXXX/15, that I received from Ditech, " When an account is in active bankruptcy, Dtech can not apply overage payments to principal without court order and trustee approval. Additional funds would need to be considered by the trustee and possily result in a new bankruptcy payment plan. '' Is it Ditech 's perogative NOT to notify the trustee? If this preposterous statement is the truth then they are in violation with full admission of knowledge of the rules by the statement from their letter! The mortgage company ( there have been somany I wold have to research who held he mortgage at the time the of the filng ) was only used in the " means determination '' for our bankruptcy. It was our intention from day 1 to meet this obligation. We did so with 60 consecutive on-time payments to both the mortgage company and the bankruptcy trustee. Our payment plan which we completed sucessfully repaid all of our includeed creditors in full. Recently, I received a telephone call from Ditech collections about a " partial '' payment. They wanted an electronic payment over the telephone with a service charge. The loan that Ditech services assumed was an interest only payment which just recently went to interest and principle. Ditech never notified us of the change. Their claim is that they could not tell us because it would violate bankruptcy law if they contacted us about a debt. The bankruptcy was discharged XX/XX/XXXX and we just got our first regular statement form Ditech. I requested a payment history from Ditech for the bakruptcy period ( 5 years ). They claim that they have only serviced the loan for two years and can only provide a two year payment history. In this age of electronic records it is hard to believe that a payment history would not follow an account from financial institution to financial institution. 
I believe these practices to be both irregular and illegal. To claim that by " magic '' ( without any notification requirement by the mortgage servicing company ) I was supposed to know the new payment amount. This company is an affront to any sense of fair play or customer service. I am dealing with thm with no chice in the matter or any recourse! 
