|
Disclaimer
Private Lawsuits. If you have a problem, the best place
to have it fixed is at its source (the lender, settlement agent, broker,
etc.). If that approach fails and you think you have suffered because of
a violation of RESPA, ECOA or any other law, you may be entitled to sue
in a federal or state court. This is a matter you should discuss with
your attorney.
Government Agencies. Most settlement service providers
are supervised by a governmental agency at the local, state and/or
federal level, some of which are listed in the Appendix to this Booklet.
Your state's Attorney General may have a consumer affairs division. If
you feel that a provider of settlement services has violated RESPA or
any other law, you can complain to that agency or association. You may
also send a copy of your complaint to the HUD Office of Consumer &
Regulatory Affairs. The address is listed in the Appendix.
Servicing Errors. If you have a question any time
during the life of your loan, RESPA requires the company collecting your
loan payments (your "servicer") to respond to you. Write to your
servicer and call it a "qualified
written request under Section 6 of RESPA." A "qualified written
request" should be a separate letter and not mailed with the payment
coupon. Describe the problem and include your name and account number.
The servicer must investigate and make appropriate corrections within 60
business days.
|
