[Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Name of Mortgage Company] [Address] [City, State, ZIP Code] Subject: Complaint to Reform Deed of Trust Dear Sir/Madam, I am writing this letter to express my deep concern and disappointment regarding the deed of trust associated with my mortgage loan. As a resident of Alaska, I have diligently fulfilled my responsibilities as a borrower, and I believe it is your duty as the mortgage company to uphold your obligations as defined in the deed of trust. I would like to outline the following issues that need to be addressed and reformulated within the deed of trust: 1. Ambiguity: The language used in the deed of trust regarding the terms and conditions is vague and prone to misinterpretation. This ambiguity creates confusion and hampers my ability to fully understand my contractual obligations. I request that you provide a clear and concise version of the deed of trust with explicit terms and conditions. 2. Interest Rate Calculation: The deed of trust fails to outline the accurate methodology for calculating the interest rate on my mortgage loan. This ambiguity has led to discrepancies in the interest payments I have made so far. I kindly request that you rectify this issue by clearly defining the formula for interest rate calculation in the deed of trust. 3. Escrow Account Mismanagement: I have noticed irregularities in the handling of my escrow account as defined in the deed of trust. The lack of transparency and accountability in managing my insurance and tax payments causes unnecessary financial strain and concern. I respectfully request that you revise the deed of trust and provide a detailed plan for the accurate administration of the escrow account. 4. Late Payment Penalties: The deed of trust does not clearly outline the penalties imposed in case of late payments. The lack of specific details leaves room for arbitrariness and unfair treatment towards the borrower. I kindly insist that you amend the deed of trust to include a well-defined policy regarding late payment penalties. 5. Extra Charges and Fees: On multiple occasions, I have noticed additional charges and fees levied by your company without any detailed explanation or justification as per the terms stated in the deed of trust. This lack of transparency has raised serious concerns and has adversely affected my trust in your company. I urge you to review the deed of trust, identify any unjustified charges, and eliminate them promptly. 6. Breach of confidentiality: I have noticed instances where my personal and financial information has been mishandled, potentially violating the confidentiality clause stated in the deed of trust. It is crucial that you take immediate action to rectify this breach and ensure that my private information is safeguarded in accordance with the deed of trust. I kindly request prompt action on your part in addressing these concerns and reforming the deed of trust associated with my mortgage loan. I believe that by working together, we can resolve these issues amicably and establish a fair and transparent agreement that benefits both parties. A prompt response is expected within [mention a reasonable timeframe] from the receipt of this letter. If my concerns are not adequately addressed, I will be left with no choice but to seek legal assistance to protect my rights as a borrower. I look forward to your prompt attention to this matter and a swift resolution. Yours sincerely, [Your Name]
Alaska Sample Letter for Complaint to Reform Deed of Trust
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