A borrower who was unemployed and did not have phone service sued his servicer for RESPA violations, stating the servicer did not respond to his concerns except in form letters, limiting communication to telephone, even though they knew he lacked telephone service.
The Pennsylvania district court judge determined that there was nothing in Regulation X which required a servicer to respond in writing when a borrower lacks access to telephone service.
Read on for more, including an examination of the borrower’s claims for actual damages.
TO READ THE FULL STORY
Cover Story: