Americas Servicing Comany came in and bought the loan from New Century Mortgage and started increasing the rate of interest without letting us know what was the rate increase base on or what the next rate increse will be.It went from $1039.00 to $ 1759.00 and I ended up paying this company over $ 8000.00 over and above the original mortgage amount of $1039.00. .I asked for a modification since May 2009 and they will not respond to me later after a month they want me to send them a financial worksheet.I send them all copies of my paystubs, Insurance of house, tax returns two years, copy of all my utility bills as supporting documents along with the hardship letter showing a deficit in my balance sheet -on June 18th via certified registered mail receipt .I have the sighned copy of the letter of receipt sighned by their rep. I received a call from another rep on the 13th of Aug 2009 andthey say they have lost my papers and then I was asked to resend the papers via fax on 07/15/09 .THEY TRASHED THE PAPERS NEXT DAY. I sent it again on 07/19/09 they called me last friday saying we cannot modify your loan because that too much money for them to give up so if I cut down some expenses they will bring down the loan rate to modify. Today I received a letter from ASC where they want to do forbeareance and want me to pay $ $671.87 three times in for August September and october and in November 2009 they want $3579.96 totaling to $ 5595 for three months @ 1865 / month.( please note that I am presently current in my payments to ASC and never missed a payment and am suppose to pay $ 1359.00 with their new reduced rates at 7.25% for the month of August) your interference has made them so mad that they wrote to me that I should not have complained to you and tnow they want to go for the kill and get me so under that I - being current, mailing regular payments, with excellent credit will have to loose my home, credit, my business, and my sleep because of no fault of mine...they ar threatening of foreclosure.