This situation is so strange I don't even know what to put as the title. HELP!!

[Julie Hill]

We have 2 loans that got sold to shellpoint mortgage and have two issues that THEY CAUSED and it is going to cost us BIG TIME.  Please read because we feel absolutely helpless.  Should we hire a lawyer?  Is there some sort of protection agency for consumers in this situation???  It's basically mortgage fraud but ON THEIR SIDE....   

1) we had a water leak in April. insurance paid out, check has to be countersigned by mortgage company, we sent check in July CERTIFIED.  It was signed by someone in in the company's mailroom.   It is now mid Sept.  They cannot find the check that was signed for by someone in their own mailroom.  It was an 8k check.  meanwhile...

2) insurance company for this house dropped us after they paid out the claim.  We had to get new insurance.  Did that, broker sent proof to shellpoint through their portal (where they want brokers to upload proof of insurance). She has done this now 3 times and it shows it being in their portal.  Yet they are about to charge us $4500 for insurance because they say we don't have any.  

3) The chances of us being able to get this check reissued from a company that dropped us is... probably pretty slim I would think.  But even if we do, there is still the fact that shellpoint doesn't believe we have new insurance. 

And yes... we've spoken to person after person after person.  Are we living in an alternate universe right now?  how is this ok??  But most importantly,  WHAT CAN WE DO??????  ESPECIALLY WHEN IT WAS NOT OUR CHOICE TO WORK WITH THIS COMPANY??? WE HAD NO CONTROL OF OUR MORTGAGE BEING SOLD!!!  Makes me want to open a mortgage company because clearly you can operate with no ethics and definitely no organization.  Are they working in someone's mom's basement???