$17M PHH Mortgage Real Estate Fee Kickback Scheme Class Action Settlement

Who is a Class Member

You are included in the PHH Mortgage Real Estate Fee Kickback Scheme Class Action Settlement “if on or after November 25, 2014 and on or before November 25, 2015, you:

  1. closed on a mortgage loan originated by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, or any of their affiliates (including loans where PHH Mortgage Corporation provided origination services on behalf of any PLS Partners), and
  2. paid title-, escrow-, or closing-related charges in connection with that mortgage loan to Title Resource Group LLC or any of its affiliates.”

You can view the complete list of affiliates of PHH Corporation, PHH Mortgage Corporation, and PHH Home Loans LLC; and PLS Partners here.

If you don’t qualify for this settlement, check out our database of other class action settlements you may be eligible for.


Settlement Amount

  • $17,000,000.00

Estimated Award

  • Varies

The actual amount of your individual payout is estimated to be between 15 percent and 20 percent of the amount you paid and is based on PHH’s records. Specifically, your payout will reflect the total amount of the fees shown either on Lines in the 1100 series of your HUD-1 Settlement Statement, or in the section of your Closing Disclosure form, corresponding to the title, escrow, and closing-related charges that you paid to Title Resource Group or its affiliates at closing of your real estate transaction.

If you disagree with the listed amount paid on your Notice, you should submit a Claim Form specifying what you believe to be the accurate amount paid.


Proof of Purchase

  • You will need to provide your Claim ID and PIN code printed on your Class Notice.

Claim Form

  • class action lawsuits

Note: If you agree with the Amount Paid listed on your Notice, you do not need to do anything to receive payment. However, if you feel the amount paid listed on your Notice is inaccurate, you can submit a claim form along with supporting documentation.

You can also request a paper claim form by calling the Settlement Administrator at 1-866-651-8299.


PHH Mortgage Real Estate Fee Kickback Scheme Settlement Notes

  • Dodge, et al. v. PHH Corporation, et al.
  • Case No. 8:15-cv-01973-FMO-AFM
  • Pending in the U.S. District Court for the Central District of California

PlaintiffsSheri and Neal Dodge and Ram and Sarita Agrawal initiated this class action lawsuit alleging that borrowers who obtained a mortgage loan from PHH Mortgage or their affiliates were improperly referred for title, escrow, or closing-related services from Title Resource Group or its affiliates in exchange for kickbacks.

Specifically, the complaint alleges that for more than a decade PHH engaged in an “improper scheme of providing cross-referrals, preferences, exclusivities, and other things of value to and among themselves, often through their many affiliates and subsidiaries, for settlement services related to federally-related mortgage loans. The purpose and effect of the scheme was to permit Defendants (defined below) to influence the market and obtain anticompetitive prices for their services” – a violation of the Real Estate Settlement Procedures Act or RESPA.

Congress passed RESPA in 1974 to promote competition within the real estate settlement industry and protect consumers from “unnecessarily high settlement charges caused by certain abusive practices.” One goal, in particular, was the “elimination of kickbacks or referral fees that tend to increase unnecessarily the costs of certain settlement services.”

In the Dodges’ case, they refinanced their home in California in October 2015 with Morgan Stanley Private Bank, for which PHH acted as the bank’s agent, providing loan processing and underwriting services.

The Dodges were referred to Title Resource Group for both title insurance and other settlement services in connection with their refinance. “The Dodges trusted and relied that the referrals were lawful and not part of an anticompetitive kickback scheme,” the lawsuit states. The Dodges paid fees and other charges totaling approximately $1,233.50 to Total Resource Group for the services related to the settlement of their mortgage loan. After closing, the Dodges’ new loan was serviced by PHH. They refinanced two other homes around the same time, where they were again referred to Title Resource Group for title insurance and other settlement services and where PHH serviced their new loan.

The Dodges claim they were never made aware of the kickback scheme and as a result paid more for settlement services than they would have paid in the absence of the anticompetitive referrals and kickbacks.

PHH denies any wrongdoing but agreed to settle to the tune of $17 million. Complete details about the case and settlement can be found on the PHH Mortgage Real Estate Fee Kickback Scheme Settlement Website.

Class members who wish to exclude themselves or object to the PHH Mortgage Real Estate Fee Kickback Scheme settlement must do so by May 14, 2018. Class members who wish to contest the amount listed on their Class Notice, must submit a claim form along with supporting documentation on or before May 14, 2018. Class members who agree with the amount listed on their Notice do not need to do anything.


Important Dates

  • 5/14/18: Claim Form Deadline (Only if you disagree with the amount listed on page 4 of your Class Notice)
  • 5/14/18: Objection or Exclusion Deadline
  • 8/16/18: Final Hearing at 10:00 a.m. PT* (class members do not need to attend this hearing in order to receive a slice of the settlement pie).

*Settlement Class Members who wish to speak at the hearing should check www.RealEstateFeeSettlement.com to confirm that the date or time of the Hearing has not been changed.


Contact Information

  • Mail: Dodge v. PHH Corporation Claims Administrator, P.O. Box 404041, Louisville, KY 40233-4041
  • Phone: 1-866-651-8299

Class Counsel


Settlement Website

Seterus PMI Termination Class Action Settlement

Who is a Class Member

Members of the Seterus PMI Termination Class Action Settlement include “all borrowers in Illinois, Indiana, who, between October 1, 2013 and October 1, 2016: (1) had Modified Loans serviced by Seterus; (2) qualified for automatic termination of their PMI based on the Original Value; and (3) paid PMI premiums after they qualified for automatic termination based on the Original Value.”

If you don’t qualify for this settlement, check out our database of other class action settlements you may be eligible for.


Estimated Award

  • Varies

Class members who do not exclude themselves from the settlement will receive a check for 68% of the PMI premiums they paid between the actual date on which PMI terminated and the date on which PMI would have terminated based on the Original Value.


Proof of Purchase

  • N/A

Claim Form

  • N/A

Seterus PMI Termination Settlement Notes

  • Ciolino v. Seterus, Inc.
  • Case No. 15-cv-9247
  • Pending in the U.S. District Court for the Northern District of Illinois, Eastern Division

In October 2015, plaintiff Patrick Ciolino filed this class action lawsuit alleging that Seterus incorrectly calculated the automatic termination date of PMI for homeowners whose loans has previously been modified. Specifically, Ciolino contends that Seterus calculations were based on the value of the property at the later of the loan’s origination, the most recent refinance (Original Value). These actions, the lawsuit claims, are in direct violation of the federal Homeowner’s Protection Act.

According to court documents, Seterus used a computer program which calculated new PMI automatic termination formulas using a modified property value, instead of the original property value, but never disclosed this fact to Ciolino or other impacted borrowers, up until October, 2016, when it changed its practices. In Ciolino’s case, that resulted in the PMI automatic termination date being extended from late 2013 to March, 2023!

The lawsuit goes on to state that Seterus never informed Ciolino of the new PMI automatic termination date, and Seterus never provided him with a new amortization schedule after his loan was modified. When he complained that he was still being charged PMI in the summer of 2015, Seterus informed him he had to wait until the “estimated midpoint” of his loan, or pay a $350 appraisal fee in order to prove Seterus was obligated to terminate his PMI. It did not provide him with any information regarding the new PMI automatic termination date for his loan, nor did it inform him how it was calculating that date.

“On information and belief, based on industry practice, Seterus has a financial incentive to continue the PMI on plaintiff’s loan because it receives a portion of the premium and it desires the protection provided by PMI to lenders,” the complaint reads.

Seterus denies the allegations and says they no longer uses the Modified Value to calculate automatic PMI termination unless the use of the Modified Value is a condition of the applicable loan modification agreement. Complete details are provided in the Settlement Agreement. The Settlement Agreement and other related documents are available on the Seterus PMI Termination Settlement website.

Class members who wish to exclude themselves or object to the terms of the Seterus PMI Termination Settlement must do so in writing; your request must be postmarked by April 3, 2018 and received by the Settlement Administrator by April 13, 2018. Class members who wish to receive a payment do not need to do anything.


Important Dates

  • 4/3/18: Objection or Exclusion Deadline
  • 5/10/18: Final Hearing at 9:30 am CT* (class members do not need to attend this hearing in order to receive a slice of the settlement pie).

*Settlement Class Members who wish to speak at the hearing should check www.PMITerminationSettlement.com to confirm that the date or time of the Hearing has not been changed.


Contact Information

  • Mail: First Class, Inc./ J13710-Ciolino, 5410 W. Roosevelt Rd., Ste. 222, Chicago, Illinois 60644-1490
  • Phone: 1-844-452-7994
  • Email: info@edcombs.com (Class Counsel)

Class Counsel


Settlement Website

Claim Up To $4,125 Zonolite Attic Insulation Trust

Who is a Eligible Claimant?

The Zonolite Attic Insulation Trust was created for the benefit of homeowners with the Zonolite brand of vermiculite attic insulation. Specifically, the Trust will be used to reimburse homeowners a portion of their cost to remove or contain the asbestos-containing Zonolite attic insulation.

If you don’t qualify for payment from the Zonolite Attic Insulation Truest, check out our database of class action settlements you may be eligible for.


Estimated Award

  • Varies

Each Claimant who submits a valid and timely claim form can expect to receive a reimbursement contribution of up to 55% of the abatement costs up to $4,125.00.

For example, if you spent $7,500 removing and replacing the Zonolite insulation, you are potentially eligible for the maximum reimbursement of $4,125. If you spent $3,000 for abatement and re-insulation, the potential reimbursement you can receive is $1,650.


Proof of Purchase

  • Claimants will need to provide documentation that the vermiculite is the Zonolite brand and how much they paid to have the vermiculite removed or contained. Specific instructions on the required documentation are provided in the Claim Form below.

Claim Form

  • class action lawsuits

Note: All claimants, whether you filed a previous claim or not, are required to use the current claim form,


Zonolite Attic Insulation Trust Notes

W.R. Grace, which operated the Zonolite company from 1963 to 1990,  has funded the Zonolite Attic Insulation Trust from which eligible Claimants will be reimbursed for their legitimate ZAI Property Damage Claims, resulting from asbestos-containing vermiculite insulation. The Trust applies to both residential and commercial buildings and is expected to operate for 20 years.

According to the Trust website, nearly 75 percent of homes contain the Zonolite brand vermiculite insulation.

Complete details about the trust and how to qualify for a payment are provided on the Zonolite Attic Insulation website.


Important Dates

All claims will be reviewed in First In, First Out order.


Contact Information

  • Mail: ZAI Trust, 317 Wingo Way, Suite 303, Mount Pleasant, SC 29464
  • Phone: 1-844-924-2255
  • Fax: 1-843-388-3790
  • Email: info@ZAITrust.com

Settlement Website