My huband and I also have the misfortune of having to deal with 21st Century Mortgage. The company have the laziest bunch of business professionals I have ever dealt with. They will not contact outside insurance companies, you have to contact them and tell them to fax a copy of your payments to them. Also like one of you our payment was late but it was not our fault the post office had lost the payment and they threatened to forclose. We had never been late with payments so this kind of hostility we felt was very rude and unprofessional. My husband recently died and they do not even want to talk about refinacing, why should they when they have us at 13.9% interest.