Hi there. Please, someone give me some leagal truth. I called my mortgage lender and asked them to recalculate my escrow. I only escrow my taxes, My insurance is paid for the year by me. My payment is 881.00 principal and interest and 266.00 escrow. I had 2900.00 in my escrow account in october. my taxes are 2300.00. I am broke and wanted to know why i should send that 266.00 in Nov and Dec. They told me i had to send it or i was making an incomplete payment. I asked them what they were planning to do with the excess of almost a thousand dollars and they said excess escrow would be sent to me after the taxes were paid. When i got my Nov statement, my escrwo balance was lowered by 881.00 and that amount had been paid to my principal balance. Is that leagal? That is exactly what i told them I did NOT want to do!!!! I can't afford it right now. This was my last ditch effort for christmas for the kids and i feel like they went into my personal account and stole from me. Can i stop this? They told me it is policy. I am so tired of being pushed around. I went through nearly two years of a forbearence with this company before finally catching up my mortgage. I am powerless and they have gotten more than 16,000 in excess funds on a 106,000.00 mortgage to stop forclosure. I am still paying friends and family off. please help me. Kristine.