RESPA Notice of Error and Request for Information

This is a sample notice of error and request for information drafted on behalf of a homeowner (pursuant to RESPA regulations).  The notice asks the reverse mortgage lender to reinstate a payment plan as an accommodation for the homeowner’s disability because the homeowner with a hearing impairment heard the wrong payment amount.  The notice also asks for various information about the loan, the repayment agreement, payments made by the lender for the homeowner, and communication and servicing logs.

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The notice alleges that the reverse mortgage lender is foreclosing on the house even though the homeowner executed a deed-in-lieu of foreclosure. The homeowner also requests information regarding the deed-in-lieu, communications between the lender and the homeowner, and other information.

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The notice alleges that the reverse mortgage lender is requiring the homeowner to be conserved in order to renew her At-Risk Extension and avoid foreclosure and in refusing to recognize her durable power-of attorney.  The homeowner also requests information regarding the At-Risk Extension, her power of attorney, communications between the lender and the homeowner, and other information.

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The notice alleges that the reverse mortgage lender is foreclosing on the house even though it agreed to a repayment plan to pay back property charges and has accepted repayment plan payments.  The lender also keeps paying property taxes before they are delinquent. The homeowner also requests information regarding repayment agreements, documents from the prior servicer, payment history, communications, the servicing file and logs, and other information.

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The notice alleges that the reverse mortgage lender improperly told the homeowner she violated her repayment plan based on her even though they were not delinquent or in violation of the plan.   The homeowner also requests information regarding repayment agreements, documents from the prior servicer, payment history, communications, the servicing file and logs, and other information.

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The notice alleges that the reverse mortgage lender improperly denied the homeowner a repayment plan. It miscalculated surplus income and wrongly claimed that HUD only allows a repayment plan payment amount between 25% and 55% of surplus income.

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The homeowner with a reverse mortgage agreed to an installment payment agreement to catch up on back-due property taxes but the lender rejected the homeowner’s payments.  The notice also requests a waiver to allow a new repayment plan and requests information about the mortgage and repayment plan.

This is a notice of error and a request for information, pursuant to RESPA, concerning the homeowner’s request for an at risk exemption from a reverse mortgage foreclosure.  Errors include in requiring the homeowner to be conserved in order to renew her At-Risk Extension and avoid foreclosure and in refusing to recognize the homeowner’s durable power-of attorney.  The letter also requests information from the lender relevant to the request of ran at risk exemption.