MGC Mortgage has applied $6, 032.00 to our Loan for Hazard Insurance which we already have - each time we send them information regarding Hazard Insurance for some reason it's Cancelled by that Insurance Company. We have $2, 900 in Escrow to pay for our Taxes at the end of the year and now they have stolen it - they have our Escrow Account in the negative of apprximate $4, 800.00. I am so tired of this - we have been going back in forth with them regarding Monthly Statements - they don't even apply the mortgage to the account until they feel like it which has been since June - they applied June's payment in July and the other payments were justing sitting there - we pay electronically. Their trying to make it seem liike we're not making our payments on a timely basis so they can add on late fees - which they have done. This is Fraud.