My mortgage was sold to Litton Loan Servicing Nov. 2008. I was not escrowing my taxes and homeowners insurance. My property taxes are paid semi annually and were due on 7/31/09 and 1/31/10. Litton "Forced Escrowed" me in June. They paid my taxes on 6/3/09 that were DUE on 7/31/09. "Forced Escrow" is done when you are delinquent in your taxes. I WAS NOT. I was not aware of this "Forced Escrow" until I tried to pay my taxes and was told they had been paid by Litton! Needless to say when I had sent my July payment (not... read full review »