I just unearthed that I will obtain flood insurance rates from a different insurer for $ dollars a-year compared to the $ your business has charged and you can escrowed back at my loan membership. We never dreamed one to my own mortgage lender do make use of your governing bodies mandatory flooding insurance policies system so you’re able to victimize as well as over fees their clients. In the event the something, We anticipated to discover a lower life expectancy charge regarding my very own home loan business for flooding insurance. It is unlawful which you have overcharged me.

Throughout the fall regarding 2005 We obtained a page from your team stating that I was during the Flood Zone AE which might escrow my personal mortgage having mandatory lender set ton insurance coverage coverage. Into the a current page from Patsy #####, an agent out of your providers, I became told that i had mistakenly stated that I became when you look at the Area AE. Which is incorrect. From the beginning We have maintained which i are within the Region X. In her letter, Ms. McKenzie fundamentally conceded that i was in Area X. I also called their particular in person whenever i found that I am able to rating flooding insurance coverage thanks to a different insurance carrier for just $ a year and planned to see as to why I found myself getting overcharged. She replied by saying that I could have purchased ton insurance rates out-of a special insurance company whenever and i also didnt need order it from Countrywide. I tried to explain that we was told the fees for flood insurance policies would be removed as i ended up I happened to be perhaps not in Flood Zone AE, for this reason, it would was stupid personally to buy flooding insurance coverage in other places. I became confident that I am able to prove I was inside the Region X in accordance with the outlined FEMA maps therefore the maps We obtained off my personal area. Ive offered all charts for the business along with good certified height certification.

We received the brand new come back see and check on March 30th

I just unearthed that Area X (unshaded) could be a good (SFHA) Unique Flood Possibilities Urban area. I cant score an even address out-of some body. Are Zone X (unshaded) a flooding zone of course, if thus shouldnt I spend reduced to own ton insurance policies inside Zone X since the level is a lot greater than Region AE? We have applied for an excellent LOMA letter of FEMA and I’m awaiting its devotion in line with the height certificate Ive given on them. Theyve once the questioned more maps and you can guidance and so i expect the devotion was delayed.

In addition predict a carried on battle with your online business. History week your business returned my electronic fee since the home loan number was faster brand new flood insurance coverage escrow. Your charged me a late payment, delivered me a threatening page you wouldnt accept my personal commission and you will delivered myself a loans Eagle check I cant dollars. This was my personal February percentage. Ive as paid ount. Ive together with delivered Marchs payment digitally once again. This time around I integrated brand new ton escrow number. Should i return it with the Mays homeloan payment? The already been each week since i have entitled and that i nevertheless havent gotten a return label to tell myself how i is always to go-ahead.

I also called your online business and you can questioned everything i want to do on the check, since i have cant bucks it

While making matters worse I gotten a call away from a countrywide Community Properties Inspector in relation to a loss Write Inspection. It wanted to capture photo of your hurricane damage and you can repairs Ive received. We told the brand new inspector that i did not have one hurricane or flooding destroy, not today otherwise ever before. Ive never ever, ever before submitted a declare and we havent had people hurricanes for the Hampton NH. He proceeded to inquire of me to sign his setting. We told you I might only if he would allow me to generate an email at the side of my term stating that I did not file a flooding insurance rates claim. He denied therefore i didn’t signal their setting, not, We were able to photocopy it and you will Ive given a duplicate along with this specific page.