Private Lawsuits. If you have a problem, the best
place to have it fixed is at its source (the lender, settlement agent,
broker, etc.). If that approach fails and you think you have suffered
because of a violation of RESPA, ECOA or any other law, you may be
entitled to sue in a federal or state court. This is a matter you
should discuss with your attorney.
Government Agencies. Most settlement service providers
are supervised by a governmental agency at the local, state and/or
federal level, some of which are listed in the Appendix to this
Booklet. Your state's Attorney General may have a consumer affairs
division. If you feel that a provider of settlement services has
violated RESPA or any other law, you can complain to that agency
or association. You may also send a copy of your complaint to the
HUD Office of Consumer & Regulatory Affairs. The address is
listed in the Appendix.
Servicing Errors. If you have a question any time
during the life of your loan, RESPA requires the company collecting
your loan payments (your "servicer") to respond to you.
Write to your servicer and call it a "qualified written request
under Section 6 of RESPA." A "qualified written request"
should be a separate letter and not mailed with the payment coupon.
Describe the problem and include your name and account number. The
servicer must investigate and make appropriate corrections within
60 business days.
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