a sent her a letter indicating that her account was in full and then the meeting that she was missing payments on her account which was false what had happened was that in the process of taking over they had mistakenly not accounted for payments that had been sent to the prior service condition to them what they did was the increased her payments by improperly adjusting her t m five hundred and thirty seven dollars a month now to a person like most you know blanton one hundred and thirty seven dollars a month is a thirteen percent increase on her account and puts her mortgage in a situation where it's untenable  charges back then then what happens is that because she didn't pay these faulty charges and she refused to paid for the charges the round point initiated foreclosure proceedings on her account imagine you're sitting here as as you're working for the post office you're paying your mortgage every month a new service or takes over they have no idea what they're doing they double the charges for your account you repeatedly said them letters and phone calls to change it and they ignore it and then they start foreclosure proceedings against you to kick you out of your home it was that staff point finally that she had enough she filed her own lawsuit in state court against the actions by the serbs there and was only at that point that they finally woke up treated her like a person and stopped and stop the foreclosure because they realized their mistake in addition to the issue of inflating her mortgage charges they also did not  was now the fission or in the fall they basically eliminated and it was only until two years later in two thousand and sixteen need after we had filed this lawsuit that they finally re creditor her escrow account charges now what are we doing here the defense is they're basically saying no harm no foul yes we made a mistake we overcharged you we didn't take your you know we didn't apply these credits but we corrected most of these things later on but that doesn't change the fact of what happened it doesn't change the fact that it deprived her of the money that he's entitled to doesn't the change the fact that she was foreclosed on wrongfully and it doesn't was they took her payments that she was making her payments every month applied to a modification and took that as a sign that she had entered the modification and when she did not pay the late charges and extra fees they get tried to foreclose on her a nd time six hundred and forty seven dollars a month so there are at least eight different material facts in dispute only one disputed fact alone is sufficient to defeat the defendant's motion for summary judgment let alone eight of them collect debts and last lord's own website states unequivocally that they like that be half of cases they handle collection cases so they made on their own website that they collect case collection now they  thing and that they only have a commercial collections and not regular collections or consumer collections but their website doesn't say that at minimum that's a material fact in dispute gimli the f t c p a also says that if a if a service the money back into two thousand and sixteen but i was two years after the fact after we had to file a lawsuit what conversion doesn't mean that it goes away just because they put the money back conversion that they  affirmed from the outset of the case and what you just heard again this morning this plan has sought to create the image of the big bad bank and the large law firms ganging up to take advantage of an individual who cannot fight back but that not make such a determination at the time of his treatment plans reliance on the language rule twenty six dollars commentary confuses dr bice's ability to testify at all which she certainly is capable of doing and abilities testify as to causation of damage