We refinanced our home loan from provident in 2003.Things seemed fine until last March 2009 when they sent us a letter saying that we had let our flood insurance lapse for three months in 2006 three years earlier.I informed them that I felt they were mistaken and i asked them why it took three years to contact us?they refused to answer and demanded that we pay them 300 dollars, I refused to pay it .I heard nothing from them for seven months.Then they sent me a letter saying they were opening an impound account for insurance and taxes and were... read full review »