On the evening of XX/XX/XXXX I made arrangements with the so called Sr. loan officer at Fortren Funding located at XXXX XXXX XXXX XXXX NJ XXXX to refinance my mortgage and ever since then I have been complaining because they think their swift in covering up costly numbers for their clients and am fully on to their scheme in robbing innocent families with outstanding credit, then destroy them with phony personnel. It started when XXXX XXXX told me to stop making payments to my current lender at ( XXXX XXXX XXXX ) on XX/XX/XXXX at this point XXXX XXXX  stated to me to let my new LENDER know that they will not pay my taxes for the 1st quarter. I let XXXX know about this and at first it was OK. and after mid month I received a late payment from XXXX XXXX XXXX. I then contacted XXXX and XXXX XXXX another sales manager who went over my documentation to clarify my credit history and sign docs to qualify for the loan and had an XXXX credit score.So I cancelled ... This is when XXXX contacted me and said " no '' don't cancel because it was only a matter of my tax payment that the title company refused to pay up front for me to start my escrow account. However, we can start the process again the following month because there is still time before my 1st quarter taxes were due and I will submit the same contract again with no closing cost to you and don't worry about the late fee because you are still saving 2 hundred a month to keep your 2nd home. I said " please put this in writing and e-mail me that info ... and he did so ''. XXXX then instructed a Title company named XXXX XXXX XXXX at the time located in XXXX nj to arrange documentation on what we discussed And when XXXX XXXX arrived to my home on the evening mentioned XX/XX/XXXX she arrived with the HUD and we signed documents together as well as an unpaid hospice bill that appeared under my Dad 's name before he passed away in XXXX and simply had this removed from damaging my credit by notarizing that I was solely XXXX XXXX XXXX not XXXX ... And discussed like XXXX had mentioned to me that " although he said, " that there is no additional closing cost..there will be 500.00 from out of pocket expenses for the title agent and other fee if I can come up with XXXX with a cashier 's check to meet the tax deadline, since I will be skipping 2 monthly payments and receiving a disbursement check " from my old lender ( XXXX XXXX ) for the amount of 1900 and change but not until LATER in XXXX since my old escrow account is being washed. and there we go XXXX stated, I also asked XXXX about the XXXX being the tax deadline and questioned how taxes were being paid and XXXX stated, they had to be escrowed into mortgage account from title company for recording and mentioned that it's a refinance and a few days late will not effect anything maybe a few extra dollars. He also told me to remember that we were brother 's being that were both from the same town 1 mile apart. At this time XXXX told both myself and my girlfriend that this cashier 's check is strictly for my tax payment and nothing else and attached it with the 1st payment letter on the HUD and mentioned again " for taxes only! '' as she held it up to us. And this is where it does get tricky because the actual contract on the HUD realize is the original contract from when XXXX then XXXX stepped in as the Sr. loan officer to service the majority of this loan, XXXX or known as XXXX started the contract to approve my loan. So being numbers were left the same from the previous month evidently there has been a history of confusion and me and my family had to sacrifice over what XXXX had mentioned was a HUGE mistake and would have this problem handled ASAP for me when I contacted him by XX/XX/XXXX and asked him why only partial payment was made towards my taxes? I contacted him a few weeks later and told him that my taxes were still due but not delinquent and will have to pay on my own since I had a ton of money at that time. XXXX and my township asked why should I if I already escrowed them? And my town stated that they will put a yellow sticker on? XXXX said he checked again and they would be paying them soon. By the following year of XX/XX/XXXX I was receiving odd e-mails about unauthorized payments from my checking account for late payments from XXXX XXXX located over seas where all negative information was recorded to my credit history as well as the unpaid lien that was from my father 's and had to pay numerous penalties and fees for this error. By XX/XX/XXXX my car payment drastically increased along with my mortgage payment costing me an extra cost of living of 300.00 per month with an escrow shortage and canceled credit card. When I contacted XXXX he asked me who paid my taxes? I told him XXXX and he did not say anything but he will get back. I called again and this is when he disconnected his phone. I finally called in XX/XX/XXXX and spoke to anther man XXXX XXXX who I never met and would not know what XXXX and I actually arranged. So he stated that he was taking charge of this loan and took a look at it and asked if this was a no appraisal fee and skipping 2 payments I said yes. he then asked me if I received a disbursement check? I said yes, then XXXX asked what did I do with it? spend it! I said yes towards my 1st 2 voucher payments made to fortren funding in the amount of XXXX when my payments were less than that amount and ended up with an escrow shortage after the 1st analysis came due from the negligence from the originators from what I was told by XXXX XXXX XXXX and went directly to a credit service then sold to them delinquent after contacting their ombudsman dept. XXXX then told me it was too late to make any changes and not to have no more contact with them because no one is here to help me except my current lender who ever they were because my loan got all screwed up. By the time it was then sold to XXXX XXXX   my current lender I was and have been facing more escrow shortages, late payments diminished credit score and had to sell my second home and became XXXX because I thought this was a temporary mishap. And having no choice than to pay the losses to avoid losing my primary residence. By the summer of XXXX I was facing XXXX losses and submitting many complaints but the damages at that time were not severe enough for me to pursue and I received a phone call from a third party at Fortren Funding XXXX by XX/XX/XXXX and he told me that XXXX is no longer available to explain how this loan fell out of my favor and would be too costly in court with all of the banks handling my loan and suggested that I request a loan modification where that would reduce my interest another point and any liens that were recorded would be forgotten and that none of these consumer complaints believe me because the XXXX messed up the paperwork. I knew that this was another false misrepresentation so I reported all of this to my current lender. I also did contact other authorities. An experienced Sr.loan officer with my credit history and the HUD presented to them is self explanatory with the 48th month history if examining, the timing of the disbursement check which I was accused of spending towards my taxes ... HUD 1 settlement statement lines XXXX fees XXXX line XXXX taxes ( XXXX  ) XXXX XXXX with tax certificate showing that taxes were open for XX/XX/XXXX on the evening at closing. And the payoff to my former lender ( XXXX XXXX XXXX ) At this time of course everyone involved has avoided any involvement in this criteria and are probably out there in other offices after closing down. Hopefully this will give a clearer picture how these people who can not maintain their own lives, careers and jobs, families etc.It 's the people who work hard like my father did and I who have outstanding credit and a work history of 39 straight years in the work force until I had to work harder at XXXX years old for what started as a simple mistake. And myself being a homeowner 2 telling me how to  handle my money ... hopefully justice is served for all of them!