I have been having a problem since I accepted a mortgage from HFC about 7 years ago. I joined NACA in January 2010 and received a very good modification in July 2010. My modification included lowering my interest rate to 5% from 9%. I was given two amounts to pay, either my PITI or PITI plus ancillary fee of $320.00. Ancillary fee is past taxes and insurance covered by lender during foreclosure. At time after modification I received calls from HFC asking for payment and I sent what was demanded. In August of 2011, I received a certified letter from HFC stating I was in default and behind three months in payments. I called and was told that my payments had changed six months prior making ancillary fee mandatory. My house payment went up to $2,022.00/mo from $1,750, plus late fees. I agreed to pay $2,500.00 per month until caught up. I had no other choice. I paid this amount til This month,May 2012. I was told I was current early May until I called yesterday when I found out my May payment was redirected by accounting. I was told accounting had right to do whatever they wanted with my funds. I had to pay again for May or fall behind again. I have complained to BBB and State attorney General. I cannot refinance because HFC reported my payments 60 days late for several months, no lender will speak to me. I have sent payments requested by HFC for 24 months and they reported me late. What recourse can I have to get away from HFC? I NEED HELP.