Consumer Protection Law

Consumer protection law questions? Ask a lawyer now.

Ask a Lawyer,
Get an Answer ASAP!

I have a problem with my mortgage. I paid my house

Customer Question
insurance. And the morgage company...
I have a problem with my mortgage. I paid my house insurance. And the morgage company did as well. They refuse to give me a refund
Submitted: 2 years ago.Category: Consumer Protection Law
Show More
Show Less
Ask Your Own Consumer Protection Law Question
Answered in 2 minutes by:
2/24/2016
Consumer Protection Lawyer: Ely, Counselor at Law replied 2 years ago
Ely
Ely, Counselor at Law
Category: Consumer Protection Law
Satisfied Customers: 103,583
Experience: Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
Verified

Hello and welcome to JustAnswer. Please note: This is general information for educational purposes only and is not legal advice. No specific course of action is proposed herein, and no attorney-client relationship or privilege is formed by speaking to an expert on this site. By continuing, you confirm that you understand and agree to these terms.

I am sorry to hear about this. Please tell me:

1) Does the mortgage contract stipulate who will pay the home insurance?

2) Why did the company pay? Is it because you failed to pay?

3) Who paid first? If they did, why did you pay as well?

4) Were the payments sent to the same company?

5) Did they attach the insurance payment to your mortgage bill?

This is not an answer, but an information request. I need this information to answer your question. Please reply, so I can answer your question. Thank you in advance.

Ask Your Own Consumer Protection Law Question
Customer reply replied 2 years ago
They increased my mortgage payment because of this.the bank claims they got a letter ofcancelation from the insurance company.i called the insurance company and they said they never sent the notice. The insurancepeople even offered to send a declarations page to thw mortgage but the morgage still rwfused to lower my payment. I am always suppose to pay the insurance and the taxes on my own as stated in the agreement
Consumer Protection Lawyer: Ely, Counselor at Law replied 2 years ago

Thank you. Have you been paying the insurance company on time? Or did you default in paying them?

Ask Your Own Consumer Protection Law Question
Consumer Protection Lawyer: Ely, Counselor at Law replied 2 years ago
Hello! Just touching base to see if you still needed an answer and if you could reply to my query. Thanks!
Ask Your Own Consumer Protection Law Question
Customer reply replied 2 years ago
I called the Insurance. Company and they say the payments have been on time
Consumer Protection Lawyer: Ely, Counselor at Law replied 2 years ago
Thank you. I have to step away from the site at this time.
I am going to opt out of your question and open this up for other experts.
Your JustAnswer Account has not been charged for this conversation and your question is back in the queue. You do not have to stay online for the question to be active. Should an expert pick it up, you should be alerted via email and/or SMS (text message) unless you actively disable these features.
There is no need for you to reply at this time as this will "lock" your question back to me, thus inadvertently delaying other experts' access to it.
My apologies for any inconvenience and good luck...
Ask Your Own Consumer Protection Law Question
Consumer Protection Lawyer: Nishan Parlakian,
 replied 2 years ago
Nishan Parlakian
Category: Consumer Protection Law
Satisfied Customers: 56
Experience: Principal at Consumer Law Office of Nishan Parlakian, Esq.
Verified

Marco, the banks are extremely difficult, as you know on these matters. If the bank for some reason has not received the payments and it is not your fault then they should credit the money to you. It is not worth suing and not worth holding back your mortgage payments. If it were me handling, I would gather the proof and label each item clearly. I would write a letter pointing out that they are in error because the proof you have and are sending shows that payments were made consistently and on time. This letter should be sent by certified mail, return receipt requested to the disputes address on your mortgage statement. Point out in the letter that you demand a written explanation as to why they determined that they had to get insurance. By law you are entitled to clear explanations if your payment goes up beyond the agreement. The next step is to contact your department of state and get the information for the officers of the bank. If you do not receive a reply from the first letter then send a second letter to the officer listed by your states department of state-or corporations department. Advise the bank that you are copying the banking department of your state and complaining about the lack of response. Usually this is enough to get an intelligent response from them. This is a step by step process but you need to build a paper trail. It takes a long time for them to listen, but if you persist the problem will be fixed or you will receive a truthful and sensible explanation. Good luck, Sean

Ask Your Own Consumer Protection Law Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a consumer protection lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask Nishan Parlakian Your Own Question
Nishan Parlakian
Nishan Parlakian
Nishan Parlakian
Category: Consumer Protection Law
Satisfied Customers: 56
56 Satisfied Customers
Experience: Principal at Consumer Law Office of Nishan Parlakian, Esq.

Nishan Parlakian is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

< Previous | Next >

Meet the Experts:

Infolawyer

Infolawyer

Lawyer

7,125 satisfied customers

Licensed attorney helping individuals and businesses.

Ely

Ely

Counselor at Law

103,583 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

Barrister

Barrister

Lawyer

1,679 satisfied customers

Attorney,17 years experience in consumer protection areas

P. Simmons

P. Simmons

Lawyer

1,227 satisfied customers

16+ yrs. of legal experience.

LADY LAWYER

LADY LAWYER

Lawyer

748 satisfied customers

Consumer Lawyer

RGMacEsq

RGMacEsq

Lawyer

604 satisfied customers

Licensed Texas General Practice Attorney

RobertJDFL

RobertJDFL

Lawyer

517 satisfied customers

Experienced in multiple areas of the law.

< Previous | Next >

Related Consumer Protection Law Questions
I just sold my house, lien paid in full, Texas, the final
I just sold my house, lien paid in full, Texas, the final insurance check came in this week made payable to me and bank?… read more
Ray
Ray
Lawyer
Doctoral Degree
33,739 satisfied customers
Advice me how to proceed. My insurance company would not
Please advice me how to proceed. My insurance company would not paid a hospital bill and drop me and my coverage after my plan expired. … read more
Phillips Esq.
Phillips Esq.
Attorney
JD
20,441 satisfied customers
Im a Senior Citizen disable veteran who have never missed
I'm a Senior Citizen disable veteran who have never missed a house payment or sent in a late payment. My contract on my home was purchased by citizen mortgage 4 o4 5 years ago. The 10 years I've been … read more
Dwayne B.
Dwayne B.
Juris Doctor
28,766 satisfied customers
We had a FHA mortgage on house with one of the major banks.
We had a FHA mortgage on house with one of the major banks. In NYS a property abstract is required when a property is sold and when we took the mortgage the bank took possession of the abstract on our… read more
Andrea, Esq.
Andrea, Esq.
Attorney
Post-Doctoral Degree
10,512 satisfied customers
I have a home in WV that was purchased in 2005. It has a mortgage
I have a home in WV that was purchased in 2005. It has a mortgage on it. I have fire insurance. I had a fire in an out building built in 2007, and it burned it to the ground. I was covered to $16K and… read more
WiseOwl58
WiseOwl58
JD Honors Graduate
4,232 satisfied customers
i resently went into escrow to buy a house and am curently
i resently went into escrow to buy a house and am curently residing in a mobile home i bk on in 2009, my lender wants proof from my morgage company of the mobile home i bk on i gave them my discharge … read more
Dylatess
Dylatess
JD
1,536 satisfied customers
Would I be able to claim PPI? We had a morgage up to 10 years
Would I be able to claim PPI? We had a morgage up to 10 years ago attached to the morgage and have 2 credit cards.… read more
CounselorJim
CounselorJim
Attorney
Doctoral Degree
360 satisfied customers
My home has 3 mortgages. The first two with Wells Fargo and
My home has 3 mortgages. The first two with Wells Fargo and the third with a small home improvement company that installed a pool. While we were in foreclosure we stopped paying all the mortgages. Wel… read more
cfortunato
cfortunato
J.D.
7,967 satisfied customers
What can I do about Chase Mortgage returning a wire transfer
What can I do about Chase Mortgage returning a wire transfer 11 days after receipt, for a valid payoff statement wired from a Chase Bank for the stated total per instructions in the payoff statement. … read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
I was having some major bridge work done by a denist, when
I was having some major bridge work done by a denist, when he decided to relocate to another state and sell his practice. The bridge he had made for me did not fit and the problems begin. My insurance… read more
JBaxLaw
JBaxLaw
Attorney
Doctoral Degree
8,080 satisfied customers
My husban and i signed a contract with a construction company to rebuild ou
My husban and i signed a contract with a construction company to rebuild our home that cought fire, back on Dec 2009. The contractor did not do any work for about 4 1/2 months; so we cx the contract. … read more
Barrister
Barrister
Lawyer
Doctoral Degree
1,679 satisfied customers
i have a beef with my mortgage company. I sustained a water
i have a beef with my mortgage company. I sustained a water damage loss for which the indurane company cut a check for $26,000. It was made out to me and the mortgage company. My mortgage company requ… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
HELLO AND THANK YOU FOR HAVING THIS WEB SITE ,I LOST MY HOUSE
HELLO AND THANK YOU FOR HAVING THIS WEB SITE ,I LOST MY HOUSE IN A PRETTY BAD FIRE LAST APRIL .I AM INSURED BY FARMERS INSURANCE,FARMERS ADJUSTER TOTALED THE HOUSE AND ALL CONTENTS,THE HOUSE FOR 16200… read more
lwpat
lwpat
Doctoral Degree
256 satisfied customers
This is about Chase bank. A couple of months ago my payment
This is about Chase bank. A couple of months ago my payment to century 21 home insurance was late and they canceled my policy. When I found out I I had to get a new policy. Century 21 won't allow any … read more
Roger
Roger
Litigation Attorney
Doctoral Degree
26,939 satisfied customers
i dont know what to do. my house burnt down 3 years ago and
i don't know what to do. my house burnt down 3 years ago and insurance had it rebuilt. we moved in about a year ago & found out yesterday that the contractor didnt hook up the septic pipe so sewage is… read more
Marsha411JD
Marsha411JD
Doctoral Degree
20,645 satisfied customers
i am buying a manufacture home I had a plumbling problem. The
i am buying a manufacture home I had a plumbling problem. The insurance company paid for it .In result a mold problem accured through the home. The insurance company states it's not covered The morgag… read more
legaleagle
legaleagle
Attorney
Doctoral Degree
7,047 satisfied customers
I want to know if there any thing that i could do about my
I want to know if there any thing that i could do about my morgage company. it has been over a year since i had water damage done to my home i have been trying to get it fixed my insurance company wro… read more
Law Pro
Law Pro
Doctoral Degree
19,000 satisfied customers
MY MORTGAGE CO. REFUSES TO APPLY MY PAYMENT P AND I BECAUSE ...
MY MORTGAGE CO. REFUSES TO APPLY MY PAYMENT P AND I BECAUSE I DID NOT INCLUDE THE ESCROW AMOUNT.ESCROW IS FOR TAXES AND INS. I TRIED TO GET THEM TO REMOVE THE ESCROW BUT THEY REFUSE. IS THERE ANYTHING… read more
skelly151
skelly151
partner
Post-Doctoral Degree
2,328 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x