M&T Bank Mortgage Complaint

M&T Bank Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account New Jersey

We requested a reduction in our mortgage payment to our mortgage company in - due to our fixed income. Our mortgage company put us in a trial period in - and established an escrow account. We never agreed to the trial period or the escrow account. Once the trial period was over, they started foreclosure and began returning our payments. They sold our mortgage to another company end of -. They removed the escrow account in - but because of the late fees, returned payments, legal fees, missapplied payments, etc., they began returning payments also. Countless efforts of resolving this have forced us to be delinquent through no fault of our own. This new mortgage company has now started foreclosure. We always have and continue to pay the required payment every month and have been sending them certified return receipt. We are elderly and have been trying to resolve this. It is very taxing on our health and need some resolution.