What happens to the earnest money when a home loan is denied? I received notification in November that Insurance had been added to my loan balance because I failed to provide proof of insurance. Upon receiving notification I called my insurance company and asked that they provide my finance company with proof of coverage.

I was assured by finance company once letter is received insurance would be removed. A week later I receive a call from my finance company stating that they have received proof of coverage but they are not listed as the leinholder so they can not credit my account for having insurance.

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I then call my insurance company again and have leinholder updated my agent faxes another letter. Again I call my agent request declaration letter showing showing that my car has been covered without lapses since it was purchased in They stated to me that they were not protected had I gotten into accident in September.

I explain that they have the title to my car and are listed as leinholder on my title in addition I had full coverage on my vehicle in September. Plus it is now December they are retro billing for services they did not render. When I asked if there is anything that can be done.

They stated no since they were not listed as leinholder with my insurance they have the right to bill for lapse in coverage even though they recognize that my car was insured. Currently I am attempting to get my insurance to retro the lein holder but that is proving difficult as well. I live in the state of Missouri I was wondering if anybody has any advice on dealing with this situation what are my rights as the consumer? Do I have any legal recourse? Due to the insurance the finance company just billed me an additional amount over my regular car payment my regular car pyment has been paid.

I was advised if I don't pay in a week they will consider my car payment late and add an additional late charge. What should I do? Any advice would be very helpful Thanks in advance. Try this site, they have easy, fast and trustworthy loans. This conversation is older than 2 months and has been closed to new posts.

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