On 04/13/11 I was forced to do a stop pay on a half payment to 21st Mortgage Co. that was due on 04/15/11 so that I would not incur several other overdraft fees. I called 21st Mortgate at about 8:30 on the morning of 04/15/11 and told them that I had to do the stop payment on their check and let them know that I would pay a payment on 04/22/11 and on 04/29/11 to have the payment in before the end of the month. The supervisor even agreed to this and that was the end of the conversation until the next morning when I reallized that 21st had instead sent a paper check throught to the bank to get aroung the stop pay. There for putting my checking account in default. This seems to be a trend for 21st Mortgage to fraudulantly get more money from their customers. Last month they had the never to send me a letter stating that I had agreed to make a payment on a certain date when I adamently did not because I going on a medical LOA and did not know if the monty would be in my bank in time or not. A couple of years ago they took over my property taxes without even telling me. They just went to the tax department and paid them and raised my mortgage payment by $130. + each month. I never even knew they had paid these until I called to make arrangements to pay these and the tax department told I didn't owe anything that 21st had paid them. When I told 21st I didn't want them to add the taxes into my m ortgage payment they told me I did'nt have a choice that it was already done and I could not stop it now. There is also a matter a a fee of $39.00 that is c harged to the accounts that noone can explain what this fee is. I strongly urge anyone to stay away from 21st Mortgage co. for your own financial welfare. I am retining a lawyer to take care of my legal needs at this point.