I sent my Oct.payment in it came back Insufficient funds along with a letter saying we had not made a payment since 8-1-2012 . We have since then sent a check for 2 months of house payments. I have called and asked if they recived the check of 2 months they said they showed no record of it. The letter also states to bring our loan current we need to pay so much. We are working with our bank to show all the months we have paid.