Whether you are in arrears or paid up to date, it certainly will not do any harm to do the folowing. Write a letter to your mortgage company asking these questions:
Can they provide a legally enforcable contract signed by both the lender and the borrower?
Can they provide proof of their consideration?
Was the fractional reserve lending system applied to the account without your knowledge?
Like all bank loans, mortgages are electronic credit transfers which the lenders charge vast amounts of interest on, then lend at least nine times the amount to other borrowers. Since this fact is never disclosed by the lender, even if they can provide an enforcable contract and proof that they really did lend you the money, the contract is invalidated under Commercial Law.
Mary Crofts book is an enlightening read:
http://www.spiritualeconomicsnow.net...s/How_I_06.pdf
Peace, freedom, love and light,
Z
http://www.freetheplanet.info