First, Frank and Janet thought it was a simple mistake. Their mortgage was recently sold to a new company with a new provider. As your lender, who sent in their mortgage payments personal check between the first and fifteenth of the month the payment was issued on the exercise, which will be obtained only agreed.Around 20th day of the month, while a mysterious appeal was received on his answering machine stating the time payment was not received, and penalties for late payment, which must be applied and charged and they had to make immediate payment.
Ok, Frank and Janet reasoned that the payment may have been lost in the mail. Sometimes this is the first time in two years that the payment was deferred, account receivable collection, . Frank and Janet have credit problems, three years ago and found it necessary to hear the sub-prime loan to buy the house they currently live. Thus, it was a sub-prime lender, and all that happens. Shortly after, Frank and Janet called customer service and were able to conduct an audit line debit payment and late payment directly from a checking account.
At a rate of 5% at the end amounted to $ 62.50. Frank said a representative of mortgage they have stopped monitoring the settlement and told them that the flag has no checks and deposits, in particular (from 10,224 # check number of 2 by months), when the payment is to put a "Stop" on it. After the call, you call your bank and stop "payment" box. It will cost $ 25. Five days later,, account receivable collection, another call came in the mortgage service company said they had deposited the check in the mail, and it came after charges of $ 50 per transaction, because n ' has not occurred.
Talk to nothing because there were no records, account receivable collection, anywhere.Frank and Janet looked at collectively rolled their eyes, and an oral examination of what happened. Janet Frank asked the rhetorical question: "Can you believe?" The next month rolls around and this time Frank and Janet make a special effort to send the mortgage payments almost the first day of the month. About 20 th day of the month Frank and Janet had another call from the company servicing the mortgage again indicates that the payment has been received and will never have another late charge.
The discussions get very hot with Frank leading free. Franco asked to speak with the head relative to the second round of the mismanagement of the monthly mortgage payment. The head is not useful to require verification has been received. Frank and Janet was determined not to take a Another stop payment "in this area and costs $ 25. Do not get no satisfaction, Frank said the head of customer service in mind within seven days to see if you have received and published. Seven days later Frank called and checks were received and published, but late, account receivable collection, fees will apply.
Another $ 62.50 late fee will be applied. Frank, account receivable collection, and his mother Janet, for faith, but also relieved that the check had been received. What could happen next month, that wondered.The Frank and Janet decided to forward the mortgage payments for one week up to 1 mortgage service companies much time to receive and send the payment in terms. From 20 of this month, he received a phone call from a mortgage company services stating once again, the payment was not received.
Frank and Janet were out of them. At that time, Janet asks to speak to a supervisor. Manager explained that the check had been received. Leader Janet pressed further, "it is a constant problem with other suppliers? There was a long pause, the silence of the head, and then "UhnoI not think so." Janet was not happy with any of the answers, and what happens with, account receivable collection, this new mortgage company and is determined to get to the bottom of the Phantom loads "of late.
Worse yet, the month following the expiration of thirty days has been reported to credit bureaus. Frank and Janet is involved in repairing your credit campaign.Immediately own mind, after hanging up with the head of Janet and Frank went online and began studying the company for any information which shed light on what happens. A series of essays and articles on complaints concerning the content of this enterprise. ton of business services have not added new staff to manage it. The time and payments been folded and untouched.
Problems and complaints mounted. State and federal agencies need
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