The
following is a sample qualified written request from you, the borrower,
to a lender. Use this format to address complaints under the Real
Estate Settlement Procedures Act (RESPA). Be sure to read more about
RESPA, and your rights under this Act, elsewhere
on the RESPA site.
Attention
Customer Service:
Subject:
[Your loan number]
[Names on loan documents]
[Property and/or mailing address]
This
is a "qualified written request" under Section 6 of the
Real Estate Settlement Procedures Act (RESPA).
I
am writing because:
- Describe
the issue or the question you have and/or what action you believe
the lender should take.
- Attach
copies of any related written materials.
- Describe
any conversations with customer service regarding the issue and
to whom you spoke.
- Describe
any previous steps you have taken or attempts to resolve the issue.
- List
a day time telephone number in case a customer service representative
wishes to contact you.
I
understand that under Section 6 of RESPA you are required to acknowledge
my request within 20 business days and must try to resolve the issue
within 60 business days.
Sincerely,
[Your name]
REMEMBER:
This letter SHOULD NOT be included with your mortgage payment, but
should be sent separately to the customer service address.
You
SHOULD continue to make the required mortgage and escrow payment
until the request is resolved.
You
may bring a private right of action under Section 6, if you suffer
damages due to the lender's servicing of the loan. See the RESPA
statute and regulations.
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