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Arghhh....car loans!
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<blockquote data-quote="Star*" data-source="post: 260154" data-attributes="member: 4964"><p>Janet - </p><p> </p><p>If it makes you feel any better - (probably not) but I forgot to pay my mortgage last month. No big deal - I was only 15 days late, but instead of a phone call or a mailed reminder - I got </p><p> </p><p>WE ARE STARTING FORCLOSURE PROCEEDINGS letter. So I (after calmed down) called the number they had listed on the mtg. statement. I was taking time off of lunch to do this on my pay by the minute cell phone. I kept getting Push 1, push 3, push 8.....then got a recording, and after it spoke it hung up. Try again. Same thing. Look on the internet for their number to talk to a live person - same number. Call information - as I've never had a problem BEFORE - so didn't have reason to have their number - NOPE - no number. Called another number to ask for the number I needed and it was a recording. Finally called another number and they gave me the same number I tried 1st. GRRRRRRr. </p><p> </p><p>Had to go back to work. Looked at the letter again = it's charging me $30.00 so that some ditz with a mounted camera can drive by my home and take a picture of my pro....er.....their property. </p><p> </p><p>Finally next day get ahold of someone and ask if I can pay by check over the phone for faster service - SURE.....there is a $29.00 fee for that. Weighed that against tyring to OVERNIGHT a check which wouldn't be processed for a week - making me near 30 days past due - UGH - and decided $29 was fair vs. 23.00, gas, time, aggrivation. Then asked if there was ANY way I could please have that late fee waived I'm telling her I'm just making it and she said NO. </p><p> </p><p>No way- they don't cut late fees. Not for anyone. Sorry. I couldn't believe it - I've been late a day or two in the past from sending a check and it not clearing but never got charged - and I can't help it takes a week for them to get the check out of the mail box and process it. It seems that mortgage companies and lenders would be a tad more forgiving in these economic times - and say "Well at LEAST she's PAYING her mortgage." but nope - they had to have the extra $60 - 29 for processing and 29 because I forgot. If I get a chance to dump them as a mortgage company they are going. </p><p> </p><p>So not to make you dizzy or compare apples to oranges - I just thougth you would like to know that someone else that just DOES NOT GET IT. </p><p> </p><p>Hugs</p></blockquote><p></p>
[QUOTE="Star*, post: 260154, member: 4964"] Janet - If it makes you feel any better - (probably not) but I forgot to pay my mortgage last month. No big deal - I was only 15 days late, but instead of a phone call or a mailed reminder - I got WE ARE STARTING FORCLOSURE PROCEEDINGS letter. So I (after calmed down) called the number they had listed on the mtg. statement. I was taking time off of lunch to do this on my pay by the minute cell phone. I kept getting Push 1, push 3, push 8.....then got a recording, and after it spoke it hung up. Try again. Same thing. Look on the internet for their number to talk to a live person - same number. Call information - as I've never had a problem BEFORE - so didn't have reason to have their number - NOPE - no number. Called another number to ask for the number I needed and it was a recording. Finally called another number and they gave me the same number I tried 1st. GRRRRRRr. Had to go back to work. Looked at the letter again = it's charging me $30.00 so that some ditz with a mounted camera can drive by my home and take a picture of my pro....er.....their property. Finally next day get ahold of someone and ask if I can pay by check over the phone for faster service - SURE.....there is a $29.00 fee for that. Weighed that against tyring to OVERNIGHT a check which wouldn't be processed for a week - making me near 30 days past due - UGH - and decided $29 was fair vs. 23.00, gas, time, aggrivation. Then asked if there was ANY way I could please have that late fee waived I'm telling her I'm just making it and she said NO. No way- they don't cut late fees. Not for anyone. Sorry. I couldn't believe it - I've been late a day or two in the past from sending a check and it not clearing but never got charged - and I can't help it takes a week for them to get the check out of the mail box and process it. It seems that mortgage companies and lenders would be a tad more forgiving in these economic times - and say "Well at LEAST she's PAYING her mortgage." but nope - they had to have the extra $60 - 29 for processing and 29 because I forgot. If I get a chance to dump them as a mortgage company they are going. So not to make you dizzy or compare apples to oranges - I just thougth you would like to know that someone else that just DOES NOT GET IT. Hugs [/QUOTE]
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