Mortgage is simple interest and we understand how that works. Got behind due to illness. Bounced a payment due to a deposited check from a customer that bounced. Got caught up in July. Paid 'late fees' but that amount was 'held' back and could not be 'released' until a call was made in September as to why the billing still showed late fees. Got caught up.
Called on Nov 30th and specifically asked what the exact amount was to be paid up to date at that date. The amount quoted on Nov 30 was $864.18. Paid by check over the phone. Paid Dec and January ahead of date. "Check return fee" and "late fees" still showing up on billing.
Call made again to company on 1/10/05 and was told late fees assessed all the way back to 2003. Called again later. Person could "only divulge that there were late fees and the payment would not be applied until interest was paid." Asked again how can this account be totally caught up? Was only told must pay an extra $159 but could not tell why. Have an 'activity report' in hand from 2002 to now. "Late fees" listed all over but payment to these fees not listed at all. Cannot refinance. Cannot improve this account though we have tried many many times.
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