F
frazzled2
Guest
What is the name of your state? Nevada
Our second mortgage is a fixed rate at 9.99% for 25 years with monthly payments of 390.34. In April while online to make my payment I noticed $872 posted to my account (not my money) so I called to tell them they made a mistake. After being told my husband may have paid it, it was by mail(but no check number), maybe I forgot, the customer service person told me to put in writing. So, after looking over a detailed printout I discover that they have posted two payments tothe same month (more than once), posting payments forward as much as a couple of months (but all to interest). After writing my qualified written request and disputing their accounting, I got a line of bull. Since April their standard response is "After Initial Review we need to investigate further, we anticipate 30 days". This has been since May, I quit paying my payments (which I should not have done), and am now in foreclosure. 2 months after I stopped making payments we received a notice of default, during this time we were not able to access our online account, they would not accept our payments, now won't return phone calls. I've seen a CPA and 3 Lawyers, they all say I should pay the exorbinant fees they are demanding just to stop the proceedings. I shouldn't have to pay, they say I'm right. Any direction?
Our second mortgage is a fixed rate at 9.99% for 25 years with monthly payments of 390.34. In April while online to make my payment I noticed $872 posted to my account (not my money) so I called to tell them they made a mistake. After being told my husband may have paid it, it was by mail(but no check number), maybe I forgot, the customer service person told me to put in writing. So, after looking over a detailed printout I discover that they have posted two payments tothe same month (more than once), posting payments forward as much as a couple of months (but all to interest). After writing my qualified written request and disputing their accounting, I got a line of bull. Since April their standard response is "After Initial Review we need to investigate further, we anticipate 30 days". This has been since May, I quit paying my payments (which I should not have done), and am now in foreclosure. 2 months after I stopped making payments we received a notice of default, during this time we were not able to access our online account, they would not accept our payments, now won't return phone calls. I've seen a CPA and 3 Lawyers, they all say I should pay the exorbinant fees they are demanding just to stop the proceedings. I shouldn't have to pay, they say I'm right. Any direction?