I had my mortage for several years with Option One Mortgage. The company switched last Summer to American Home Mortgages- I was told that because of the switch over- no late fees would be assessed. Immediately late fees were assessed against my account. I had written to Option One numerous times- over twenty times requesting a change in due date- becasue now I am retired no response. I had requested in writing an end to my escrow account again no response.Option One had added over four hundred dollars a month to my mortgage payment for an escrow account. I think our congressmen need to investigate these practices. AHMSI seems to be unresponsive to any requests I have made to them.