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My mortgage payment is 1200.00. I send in the 1200.00 each month along with a additional PRINCIPAL payment of 2000.00 clearly noted on the payment book as intended as a principal payment. But each month the mortgage company takes 1200.00 away from my Principal payment and makes the next months regular payment of 1200 in advance and then applies the other 800.00 as a principal payment. I clearly noted that the whole additional 2000.00 is for a principal payment. They have done this repeatedly when ever my principal payment is over 1200.00. This seems like some type of scam; anyone heard of this practice before. Thanks for any help. When I have sent in a principal payment less the the 1200.00 then they don't do it ; seems because it is not enough to use it as a regular house payment.