Mortgage Loan Company Places Additional Principal in "Suspense" Acct

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What is the name of your state (only U.S. law)? INDIANA

We have a 2nd Mortgage at 8.990% for 20 years that has been bought out twice, since Oct '95...now with a so-called loan-servicing company in FL (even though our credit scores are in the high 700's and have never been late on any payments). The Agreement with the original lien holder was very straight-forward and said we could not pay off earlier than 3 yrs without a penalty payment. There were no other preconditions. We are well past that with the new paper owner and have been sending in an extra $100 or more, each month, to be applied directly to additional principal (well documented and specifically filled in on the line that says "Additional Principal" (on the Loan Servicing Company's pmt. form). Now, the FL loan company says I can only pay additional principal up to two months in advance, and anything after that will be held in their own "Suspense Account" (earning them interest, but not applied to my account, therefore losing any additional payment and reduction of our principal). There is absolutely nothing that states they can do this in my Agreement. And I submit that this is an entirely arbitrary and illegal action on their part. What can I do to get them to stop placing extra principal in "Suspense" and rectify the interest/principal level, on my behalf? We are not currently able to refinance and payoff the loan, as our relatively new neighborhood has suffered greatly by over 20% to 30% loss of home values (over 3 dozen homes have gone to the bank, of 250, in the last year) -- many located around our home (originally a model home with all the amenities). Help please.