musiclover69
Junior Member
What is the name of your state? Maryland
USBank is the holder of my 2nd mortgage. I started with this company in Jan 2007. They received payment for my Jan payment.
I got the statement for Feb, and they stated that I owed two months' payments. I called them and told them I paid Jan, and they said, "Oh ok, I see now. You did pay. Sorry."
I paid Feb, and surprisingly nothing went wrong that time.
I paid March's payment on the 13th.
I went online to pay April's payment on the 7th and I see that they never took the money for March. I again, owed two payments. I called. This time they told me, "Oh, there was an incorrect number on the account number you gave us."
So at this point it's 30 days late! Did anyone call me to fix the error (which I'm thinking they changed the number)? NO. Did they send a letter? NO. Absolutely NO notification of the error until AFTER it was 30 days late. And to make matters worse, now they put in on my credit report.
They would not accept payment over the computer, they told me I had to call. But when I called they made me so mad I hung up on them. I told the poor man before I hung up that I would be mailing payment.
I immediately mailed a check for TWO payments. April 8th it was dropped at the post office.
TODAY, April 10, I receive a letter (dated Apr 5) stating that I was late on payments and that they could start legal proceedings for foreclosure immediately.
WHAT?!?!?!?!?!?!?!
I called again, explained the whole fiasco, and the lady tells me that they don't have to accept my check because it's now in the collections department. I reminded her that it was 30 days late, NOT 60 days...and that I didn't know it was 30 days late because they didn't bother to send the letter until Apr 5.
Now, to me, this sounds like they are trying to steal my house. They are making it extremely hard for me to actually pay the bill on time! Unethical!
If they don't accept my payment, I have to know if I have a leg to stand on, or am I completely screwed and the mortgage company can do anything they want and take my house by making it impossible for me to pay. Is this legal? Do the laws favor the mortgage company?
Thanks,
GrrrrrrWhat is the name of your state?
USBank is the holder of my 2nd mortgage. I started with this company in Jan 2007. They received payment for my Jan payment.
I got the statement for Feb, and they stated that I owed two months' payments. I called them and told them I paid Jan, and they said, "Oh ok, I see now. You did pay. Sorry."
I paid Feb, and surprisingly nothing went wrong that time.
I paid March's payment on the 13th.
I went online to pay April's payment on the 7th and I see that they never took the money for March. I again, owed two payments. I called. This time they told me, "Oh, there was an incorrect number on the account number you gave us."
So at this point it's 30 days late! Did anyone call me to fix the error (which I'm thinking they changed the number)? NO. Did they send a letter? NO. Absolutely NO notification of the error until AFTER it was 30 days late. And to make matters worse, now they put in on my credit report.
They would not accept payment over the computer, they told me I had to call. But when I called they made me so mad I hung up on them. I told the poor man before I hung up that I would be mailing payment.
I immediately mailed a check for TWO payments. April 8th it was dropped at the post office.
TODAY, April 10, I receive a letter (dated Apr 5) stating that I was late on payments and that they could start legal proceedings for foreclosure immediately.
WHAT?!?!?!?!?!?!?!
I called again, explained the whole fiasco, and the lady tells me that they don't have to accept my check because it's now in the collections department. I reminded her that it was 30 days late, NOT 60 days...and that I didn't know it was 30 days late because they didn't bother to send the letter until Apr 5.
Now, to me, this sounds like they are trying to steal my house. They are making it extremely hard for me to actually pay the bill on time! Unethical!
If they don't accept my payment, I have to know if I have a leg to stand on, or am I completely screwed and the mortgage company can do anything they want and take my house by making it impossible for me to pay. Is this legal? Do the laws favor the mortgage company?
Thanks,
GrrrrrrWhat is the name of your state?