Pag-ibig housing loan (buy back)

Good day! Ask ko lang po about sa Pag-ibig housing loan. Im aware na may buy back contract ako sa developer for two years and this last may 2011 natapos ko na yung two years na monthly amortization with my developer. Dapat po this june sa Pag-ibig na yung transaction ko but since due to financial problem I wasn't able to pay for 3 consecutive months. I called Pag-ibig and just check my balance and sabi ko po for month 1 month lang ang mababayaran ko. Sabi ng staff di daw pwede I need to pay at least 2 months kasi nakabuy back pa rin daw ako. Sabi ko I'm done paying for two years so I'm not in a buy back contract anymore. Sabi naman nya na wala pa daw kasing tittle kaya under pa rin ng developer. My question is after ng two years buy back contract di ba dapat sa Pag-ibig na ang full responsibility ng loan ko? And may rights po ba silang di taggapin ang 1 month payment lang kasi gusto nila ay 2 months? Thank you po.