My mortgage was one of the many from CitiFinancial, but now serviced through AHMSI. I have had nothing but problems with AHMSI and loathe their illegal business practices. I am currently one payment behind and have been in this position several times over the last couple of years due to the economy. EVERY time I am late, I ALWAYS pay the additional late fee of $41.50 and make sure that I let the person taking my payment know that. After each payment, I always ask again to make sure there are NO outstanding fees of any kind on my account. Well, I recently received my "pre-forclosure warning letter" that always comes out when only ONE payment late. It says I owe x number of dollars for two months. MY problem is this: In addition to the two months payments (which I am ready to pay) they have added $539.50 in late fees!! Since I am talking to a robot each time in India, they only know one thing...to collect whatever it says on the screen! They will not let me talk to anyone else and will not listen to me when I tell them I have always paid my late fees. My deadline is tomorrow to pay the amount and I don't owe it!!!! Does Anyone know who I may contact, as the customer service in INDIA refuses to discuss this and just tells me I better pay by tomorrow?