What is the name of your state? FL
I have a 2nd mtg with Chase. I thought I had set up automatic payment withdrawl and after doing so--really didn't monitor my bank act closely to check if w/drawls were being made. Unfortunately, the automatic w/d was not set up and Chase has no record of it being requested. It went 3 months w/ no payment when I noticed. I called Chase and the loan was about to be sent to foreclosure review within the next few days since another payment was comint due--making it 4 pmts late. I was told that they would put a hold on it if I Western Union the money the following day for the 3 missed payments. I did so and called the next day to confirm that I had sent the $ and provided them the W.U. tracking info. The cust. serv associate researched and confirmed with W.U. At this time she also set me up on a payment plan to repay the late charges as well as the 1 payment that was due. A few days later I had received a letter from Chase stating they rejected my payment because it was not for the full amount due ($12K). A couple of days after that I received a letter from W.U. to claim my monies. I called Chase again and they realized the error that it was not pulled from the foreclosure dept. but was assured they were working on it. Apparently not! I made the W.U payment on 1/27 and they filed a Lis Pendens on 2/9. I have received notice from the atty handling but not been served officially. I again called chase and spoke to a supervisor who has been helping me. She contacted the foreclosure dept to tell them the error. A few days later she called me back and told me to go to W.U. to claim the $ which I did. I got a money order and fedexed it to them which they received yesterday. I called today to make sure they posted--which it hasn't yet--but she told me it should in the next 48 hrs. Told her my concern about the pmt being rejected and she said my account was notated all over the place and there will be no problem posting.
My question is: What should I do now? The LP has been recorded--what will happen next?
Also--my mom is on the mtg (not the note) and so the LP shows under her name as well which I'm sure is going to damage her credit. Can anything be done about that?
Can there be some documentation recorded with the courts to show the error?
Also--I would like my payment to be reflected as being received on 1/27 which is the original date sent--what are my chances of that?
Also note--that I did not receive any collection calls from Chase--they have all of my current ph #'s as well as the correct mailing address (no correspondence received either about being past due)---isn't that a bit strange?
Thanks
I have a 2nd mtg with Chase. I thought I had set up automatic payment withdrawl and after doing so--really didn't monitor my bank act closely to check if w/drawls were being made. Unfortunately, the automatic w/d was not set up and Chase has no record of it being requested. It went 3 months w/ no payment when I noticed. I called Chase and the loan was about to be sent to foreclosure review within the next few days since another payment was comint due--making it 4 pmts late. I was told that they would put a hold on it if I Western Union the money the following day for the 3 missed payments. I did so and called the next day to confirm that I had sent the $ and provided them the W.U. tracking info. The cust. serv associate researched and confirmed with W.U. At this time she also set me up on a payment plan to repay the late charges as well as the 1 payment that was due. A few days later I had received a letter from Chase stating they rejected my payment because it was not for the full amount due ($12K). A couple of days after that I received a letter from W.U. to claim my monies. I called Chase again and they realized the error that it was not pulled from the foreclosure dept. but was assured they were working on it. Apparently not! I made the W.U payment on 1/27 and they filed a Lis Pendens on 2/9. I have received notice from the atty handling but not been served officially. I again called chase and spoke to a supervisor who has been helping me. She contacted the foreclosure dept to tell them the error. A few days later she called me back and told me to go to W.U. to claim the $ which I did. I got a money order and fedexed it to them which they received yesterday. I called today to make sure they posted--which it hasn't yet--but she told me it should in the next 48 hrs. Told her my concern about the pmt being rejected and she said my account was notated all over the place and there will be no problem posting.
My question is: What should I do now? The LP has been recorded--what will happen next?
Also--my mom is on the mtg (not the note) and so the LP shows under her name as well which I'm sure is going to damage her credit. Can anything be done about that?
Can there be some documentation recorded with the courts to show the error?
Also--I would like my payment to be reflected as being received on 1/27 which is the original date sent--what are my chances of that?
Also note--that I did not receive any collection calls from Chase--they have all of my current ph #'s as well as the correct mailing address (no correspondence received either about being past due)---isn't that a bit strange?
Thanks
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