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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.
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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