We had a mortgage with novelle in october, we made the payment, a month later we got a letter that the loan has been sold to countrywide, we then made our november payment still to novelle because we were notified to late, then countrydwide sold to america servicing company sometime in december, but we already paid countrywide in december and paid america servicing in january 05.in the meantime we received a letter from countrywide that we are outstanding with 1 payment.
I then mailed them the prove of payment. I was under the impression it is all sorted out, then i was notified by my broker who is trying to close on a 1031 exchange that equifax reported that we have a 30 day late with countrywide, i said no it is not so and send them prove, now i have a letter fro america servicing that we owe them for january because they are short of one payment, beside being tired of proving to all these lenders that i dont owe them.
I then brought to novells attention that they indeed paid my mortgage payment to an incorrect account, i saw this written in pen on the top of the cheque, i then asked them to check the account number and they confirmed that the money is there, they just did not post my payment to an incorrect account but also reported this on my credit report as a late and i am battling to get this off, because novelle would not send me a letter to give to my broker to show to the lender, i really feel that this is rediculous and i need to sue the lender novelle and countrywide to placing this negative on my report.
Please anyone would like to take this case or give me some advise i am desperate and have no money for legal fees.
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