3rd Party check not cashed by intended

[cknschneider]

Connecticut couple

Our Equity Accelerator that we've used for years paid the Mortgage Company that our mortgage was recently sold to, the check was cashed by someone other than our mortgage company, and now the Equity Accelerator and the Mortgage company claim its the others responsibility to determine who cashed the check. The Equity Accelerator sent us a copy of the check, but the stamp is mostly un-readable. We can read the bank that was used to cash the check and we called them. They said they couldn't deal with us over the phone. They are located in California. We live in Connecticut. We're afraid of this destroying our good credit. What can we do?

 

[seniorjudge]

Connecticut couple

Our Equity Accelerator that we've used for years paid the Mortgage Company that our mortgage was recently sold to, the check was cashed by someone other than our mortgage company, and now the Equity Accelerator and the Mortgage company claim its the others responsibility to determine who cashed the check. The Equity Accelerator sent us a copy of the check, but the stamp is mostly un-readable. We can read the bank that was used to cash the check and we called them. They said they couldn't deal with us over the phone. They are located in California. We live in Connecticut. We're afraid of this destroying our good credit. What can we do?

Get a copy of the check back and front from your bank and write a letter to every company involved (bank, mortgage companies, whatever) and send it certified mail return receipt requested. Send it to both companies. Tell them you did your part (i.e., paid the bill) and it is up to them to decide who got it and where it went.

Keep copies of all correspondence forever and keep after them till someone gets it resolved and tells you so IN WRITING.