You can get them to lower the payments, the bank administered program is just a separate account so if your taxes are lower than what you're paying into it, you'll have a credit. Call them up and find out how much you're paying and also try to get off of it if you can. We had so many problems with Scotiabank not paying the taxes properly. The first year they didn't pay the whole amount that was owed another year they didn't pay for our condo parking spot.
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