following is a sample qualified written request from you, the borrower,
to a lender. Use this format to address complaints under the Real
Estate Settlement Procedures Act (RESPA). Be sure to read more about
RESPA, and your rights under this Act, elsewhere
on the RESPA site.
[Your loan number]
[Names on loan documents]
[Property and/or mailing address]
is a "qualified written request" under Section 6 of the
Real Estate Settlement Procedures Act (RESPA).
am writing because:
the issue or the question you have and/or what action you believe
the lender should take.
copies of any related written materials.
any conversations with customer service regarding the issue and
to whom you spoke.
any previous steps you have taken or attempts to resolve the issue.
a day time telephone number in case a customer service representative
wishes to contact you.
understand that under Section 6 of RESPA you are required to acknowledge
my request within 20 business days and must try to resolve the issue
within 60 business days.
This letter SHOULD NOT be included with your mortgage payment, but
should be sent separately to the customer service address.
SHOULD continue to make the required mortgage and escrow payment
until the request is resolved.
may bring a private right of action under Section 6, if you suffer
damages due to the lender's servicing of the loan. See the RESPA
statute and regulations.