Mortgage on my home is with LBPS. I had a water leak that damaged full down stairs in Jan.2011. My insurance company sent out 2 party check to me for repair with both lbps & my name on them. I had to send them to lpbs, they have come up with every excuse not to return these checks to me so I can pay a contractor. This is dealt with in the hazard claims dept. where they never answer phones, your are lucky if some one calls you back. You send faxes but they never seem to receive them. When you call to make sure they received a fax they say it wont be in the system for 2-3 days and to call back then. They have been holding $12, 000 of mine since 3/21/11 so its a month I cant pay the contractor so he wont continue the work. They currently have everything they had requested to release the checks but they dont. They keep telling me they need more stuff, so I send it and play all their games and I still have not received the checks. I will never do business with the company again, I am thinking of refinancing just so I dont have to deal with them. My loan was sold to them so they were not my original loan company. I will have a chat with attorney about them next week.