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Qualified Written Request Sample

This document is a "qualified written request" from Joe and Sally Consumer to USA Federal Bank disputing fees and loan amounts on their mortgage statement. They request a detailed payment history, breakdown of fees and arrears, explanation of amount increases, details of foreclosure and escrow fees, and copies of escrow statements from the past three years as allowed under the Real Estate Settlement and Procedures Act. The letter provides specific items and timeframes for the requested information and cites the relevant section of RESPA.

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3K views2 pages

Qualified Written Request Sample

This document is a "qualified written request" from Joe and Sally Consumer to USA Federal Bank disputing fees and loan amounts on their mortgage statement. They request a detailed payment history, breakdown of fees and arrears, explanation of amount increases, details of foreclosure and escrow fees, and copies of escrow statements from the past three years as allowed under the Real Estate Settlement and Procedures Act. The letter provides specific items and timeframes for the requested information and cites the relevant section of RESPA.

Uploaded by

Sterlingjr
Copyright
© Attribution Non-Commercial (BY-NC)
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOC, PDF, TXT or read online on Scribd

Sample Qualified Written Request Under RESPA

Joe & Sally Consumer


[Address]

January 1, 2006

VIA CERTIFIED MAIL


USA Federal Bank, FSB
[Address]

Attn: Mortgage Loan Accounting Department

Re: Loan # 99999999


Joe and Sally Consumer
[Address]

Dear Sir or Madam:

USA Federal Bank, FSB is the servicer of our mortgage


loan at the above address. We dispute the amount that is
owed according to the Monthly Billing Statement and request
that you send us information about the fees, costs and
escrow accounting on our loan. This is a “qualified
written request” pursuant to the Real Estate Settlement and
Procedures Act (section 2605(e)).

Specifically, we are requesting an itemization of the


following:

1. A complete payment history, including but not


limited to the dates and amounts of all the payments we
have made on the loan to date;

2. A breakdown of the amount of claimed arrears or


delinquencies, including an itemization of all fees charged
to the account;

3. An explanation of how the amount due on the


Monthly Billing Statement ($1,000) was calculated and a
explanation of why this amount was increased to $2,000 on
August 1, 2005;
4. The payment dates, purpose of payment and
recipient of any and all foreclosure fees and costs that
have been charged to our account;

5. The payment dates, purpose of payment and


recipient of all escrow items charged to our account since
[date USA Federal Bank took over the servicing];

6. A breakdown of the current escrow charge showing


how it is calculated and the reasons for any increase
within the last 24 months; and

7. A copy of any annual escrow statements and notices


of a shortage, deficiency or surplus, sent to us within the
last three (3) years.

Thank you for taking the time to acknowledge and


answer this request as required by the Real Estate
Settlement and Procedures Act (section 2605(e)).

Very truly yours,

Joe & Sally Consumer

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