We tried to get a remodification loan and we got denied through the making homes affordable and our bank Citi Mortgage. We didnt know that they made an escrow account for us even though we were denied. I went to pay my property taxes and they had been paid. Citi said we had to pay them back before we could cancel the escrow. We had 1 month to pay it now they have paid our Homeowners insurance and we pay it monthly. They wont stop it until we pay it all. We have scrimpt and pinched to pay it over the last several months. If my insurance doesnt pay them back we will be farther in trouble at no fault of ours except trying to get help! If this happens I will be contacting an attorney. My father has experienced the same thing. They shouldnt be allowed to force us into something who dont want!