Open Question: We bought a HUD home and are now being told we have penalties to pay when we weren't aware of them. Help?

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We bought a HUD bag low an bureau 203(b) with escrow repair. I impact with the 203(k) loans on a daily basis, but not the 203(b)'s. I am alive that there are penalties that are acknowledged by the possessor with a 203(k) if the repairs are not complete after a destined number of life that is settled on the "homeowner/contractor agreement" that every parties must sign. We didn't clew anything same this and when the fasciculus and myself asked the give tar if there would be any penalties we were told there were no penalties. NOW, the lender is locution that we are assuming penalties that we'd never heard of, they sent us a document I've never seen that is UNSIGNED by anyone. How do I care with this? We didn't clew anything or pass any emails or sound calls about penalties, but they're ease actuation us to pay them. This seems VERY shadowy and unfair...
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