over charging on my mortgage

was charged late fees when the payment was not late. forced home owners insurance on us when we had home owners insurance and sent proof to them many times. they kept saying we misseda payment months back and we did not. threatened to foreclose on us severl times. we paid them what they wanted just to get them off our backs and then they said we owed more and force foreclosure again. they took the payments we sent in and put them on charges instead of a payment and then said we didnt make a payment