Error Resolution


Error Resolution Under Regulation X
To assert a written error regarding your loan, you must provide the following information:
  • Name of borrower
  • Information that enables identification of the mortgage loan account
  • A detailed description of the alleged error
Your written notice to assert an error regarding your loan, must be forwarded to:

The Evangeline Bank and Trust Company
P.O. Box 346
Ville Platte, LA 70586
We may request information from you in connection with the investigation.  If we do, you must use the same address as indicated above.
Some errors may include:
  • Failure to accept a conforming payment
  • Failure to apply the payment according to loan agreement
  • Failure to apply payment as of the date of receipt
  • Failure to pay escrow items in a timely manner or failure to refund escrow account balance as required
  • Imposition of fee or charge that servicer lacks basis to impose
  • Failure to provide an accurate payoff with 7 days of the written request as required
  • Failure to provide accurate information regarding loss mitigation options and foreclosure as required
  • Failure to transfer accurately and timely information relating to servicing to a transferee servicer
  • Making the first notice or filing required by law for any judicial or non-judicial foreclosure process in violation of the 120 days past due
  • Moving for foreclosure judgment or order of sales, or conducting a foreclosure sale in violation of 1024.41 (g) or (j)
  • Any other error relating to the servicing of a mortgage loan