Mellisa's Gourmet Bakery

We have spoken to [redacted] repeatedly about this issue The issue that she has is with her lender, not with us, and we have relayed this to her as well Please see the attached Settlement Statement ( [redacted] ) We were instructed by the lender to collect the property taxes for the unit ($1614.82) and the parking space ($75.30) for the 1st half Montgomery County fiscal year bill, which was due in September and is for the tax period of 7/1/to 12/31/ That is exactly what we did (please see the attached “ [redacted] Tax Payment Confirmation” and “ [redacted] Tax Payment Confirmation Parking”) That ends our involvement Based on conversations with [redacted] ***, her lender then paid the 2nd half fiscal year bill early and informed her that they had an escrow shortage and needed to collect the shortage from her None of this has to do with us, it all has to do with her lender As a courtesy, I’ve attached the current tax bills on the property that show the taxes paid We are not holding any of her funds and we did not overpay her taxes Further, in response to the last second amendment to the statement, it was her lender that made these changes and it is her lender that is responsible for providing her with these documents to review Please feel free to contact me if you need anything furtherJoseph G [redacted] , Esq

We have spoken to *** *** repeatedly about this issue. The issue that she has is with her lender, not with us, and we have relayed this to her as well. Please see the attached Settlement Statement (***). We were instructed by the lender to collect the property taxes for
the unit ($1614.82) and the parking space ($75.30) for the 1st half Montgomery County fiscal year bill, which was due in September and is for the tax period of 7/1/to 12/31/2016. That is exactly what we did (please see the attached “*** Tax Payment Confirmation” and “*** Tax Payment Confirmation Parking”). That ends our involvement. Based on conversations with *** ***, her lender then paid the 2nd half fiscal year bill early and informed her that they had an escrow shortage and needed to collect the shortage from her. None of this has to do with us, it all has to do with her lender. As a courtesy, I’ve attached the current tax bills on the property that show the taxes paid. We are not holding any of her funds and we did not overpay her taxes. Further, in response to the last second amendment to the statement, it was her lender that made these changes and it is her lender that is responsible for providing her with these documents to review. Please feel free to contact me if you need anything furtherJoseph G***, Esq

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because: MrE*** had the obligation, by law, to provide the amended/additional costs to me three days before Settlement; not present the additional costs on the day I arrived to sign the purchase of the apartment.As a "Settlement" company MrE*** had the obligation to inform the previous owner, *** ***, he was responsible for the property tax payment for the apartment, as well as for the garage up to August 23, I should not have been charged for the full balance of the first 2016 payment as noted in the Settlement documentI've attached the Closing Disclosure documents that indicate I was to be charged for $per month for months for property taxes totaling $The Mortgage Statement document shows I paid $1,in property taxes in addition to what MrE*** charged me in 2016.If additional information is required, I can do so
Regards,
*** ***

The obligation, by law, to provide the amended/additional costs to the consumer is a requirement of the LENDER, not the title company. We have explained this repeatedly. The LENDER is responsible for all final figures, not the title company. The changes were on the lender documents.As explained in the prior response, the "first half bill" is from July 1, 2016-December 31, 2016. The buyer paid that bill and was provided a CREDIT for $486.83, which is the pro-rated period of July 1-August 23. The buyer only paid the taxes from August to December 31. This has been repeatedly explained, however, the lender generated the CD so any questions about this are once again being directed to the wrong party.Once again, the Closing Disclosure document is prepared by the LENDER. If there is a dispute about the tax charge, the question should be directed to the lender. We were directed by the lender to collect those amounts and pay the $to the tax authority and the $to the LENDER.Questions regarding the CD are LENDER related questions. We have answered *** ***'s questions on this matter as best we can, but if she still has concerns, she needs to speak to her lender