Guardian Savings Bank reviews and complaints

When I went through a divorce the judge ordered my ex to make the house payments. However, I was not notified by Guardian that the payments were not being made for 8 months. After speaking with the man who was handeling our account he told me he was obligated to keep me informed on the status of our account but he is now going to forclose on me and the non payments would also be on my credit report. I was forced to file bankruptcy and in the bankruptcy agreement they were to disregard any and all late fees and penalties and I was to start making a payment to catch up the arrearage and my regular payment. When I received my end of year statement I noticed that only $200.00 was put towards the balance of my home and called to discuss this with the mortgage company. They would not return my calls and Tim was never available to speak with me. They were charging me the late fees and was putting my bankrupcy payment and my current payment towards the arrearage which was against the contract with the bankrupcy court. Come January, I would need a new payment book for February and called numerous times to request one since I didn't know what my payment would be without it. Again, no response. I continued making my bankruptcy payment and have not heard one word from Guardian until I moved out in fear of them taking my home without a words notice. Now the bankruptcy is done and all of the sudden I receive a payment book in the mail. They are acting as if I don't exist and are breaking every law they can. I am currently working with an attorney on this and suggest that anyone looking for a mortgage loan NOT to use Guardian. They are frauds and theives.

Ive had my mortgage with Guardian Savings Bank for a year and a half now and my payments have been 616.00 (including taxes and insurance). I opened mail from them the other day and seen that my escrow account was negative 1475.00 and that starting November 1 our payment would go up to 838.00.

I called the bank and spoke with a guy who informed me that once a year they do a so called audit to make sure everything is correct and they noticed that when they figured up our mortgage payment that instead of adding our correct taxes of 1900.00 a year into our payment they went off of my grandmas (used to own the house) senior freeze tax rate of around 600.00 or so a year to calculate our house payment and he said it was their mistake they should have checked into that before the loan was finalized, he also advised something about when my grandmother purchased the home some 30 years ago that the appraisal value jumped up from then until now and that our payment with everything included should have never been 616.00 it should have been 715.00.

The piece of mail stated we had 12 months to pay off and speaking with the bank guy he advised we were one of their larger mistakes so he would work with us and divide it up over 36 months raising our house payment to 755.00. I am still not satisfied and would like to know why they didn't catch this at the end of last year or sooner and how can I now be liable for their mistake, I never would've bought the home if I would have known the house payment would be that much. Is there any advise or can anyone help?