I write to yous again because I have a problem with my mortgage I have eight years with them and for some reason they wo n't come by my XXXX mortgages together I have XXXX mortgages paint XXXX different interest i 've been calling them and calling them do n't answer and the one time they did n't answer they did not help me he gave me the runaround they told me when I first got the house eight years ago I was going to be able to refinance both mortgages together in a year while it 's been eight years and nothing One year ago the only thing they did was refinance both of them just so I could lower my interest and that was just because I wrote to use and complain that 's when they started calling me and telling me that I can refinance and lower my interest and then they said to wait a year and I will be able to come by my XXXX mortgage together so I will just be able to have XXXX mortgage and to this day they wo n't help me out they wo n't combine them together i 've been with them for the past eight years and my interest was so skyhigh and both of the mortgages did I literally almost been XXXX i 've been with them for the past eight years and my interest was so skyhigh and both of the mortgages did I literally if you see it I have like really paid off the house with the payments that I have been making in the past eight years I was doing the math and it 's just literally made me cry because I can not believe I have made that much money in eight years and give it to them and I 'm not even close to owning this house I do n't understand why is it they can not combine both of the mortgages together when I 'm paying both mortgages through the same Company they say they ca n't combine it because my house is not worth what I owe and the reason I owe so much it 's because of them because they would not Combine my XXXX mortgages together not lower my interest till eight years later and I told them how is that possible when I 've been paying this house for eight years eight years never been late always on time and they still wo n't combined them together to me it is the da and they still wo n't combined them together to me it is the they just are making too much money on me there are times I just want to stop making my payments and lose the house because it seems like I 'm never gon na finish paying off this house with the way things are going with these people they took advantage of me because when I did go get the loan to finance the home I was not really aware of the conditions of financing a home and now with them not helping me out I feel like there is no wait out that I am going to end up Paying 10 times the amount of what I owe and 20 times what the house is worth i 've been trying to get them to help me cut the XXXX big trees I have in my backyard because they are damaging my backyard and my house and they say it 's my problem I ca n't sayvo up or anything I 'm just Working to make sure I pay the mortgages on time just so I wo n't lose my home and have bad credit but there is times that I feel like I want to do the bankruptcy just so I do n't have to keep on making the payments but I 'm hoping they buy me writing to you you 'll be able to find a way to help me out and for them to know that they are people like you out there to help people like me and that 's a that they are people like you out there to help people like me and stop taking advantage of people like me I know back then I really did n't know about financing and interest but now I do and I Know that I have paid more than half of what this house is worth and thisl that I have paid more than half of what this house is worth in these past eight years I know a few people that already have their home paid off in less time than me and that makes me embarrassed to know it and here I am still making my payments and yet does n't seem like it 's getting paid off all the money I 'm se