Brief Summary
July 05
We were unable to pay our 2nd half of 2005s taxes until December.in January we received notice that our payments had went up from $716.00 to $909.00 due to our taxes being critically delinquent according to HomeQ.in January we paid the first half of our 2006 taxes, only to find out that HomeQ had also paid them. We were told by HomeQ to get a refund. I told them I would not pay DOUBLE for my taxes and that I had not signed anything to escrow my taxes and they were NOT to raise my payment without proper notification. Our taxes are now paid thru 2007! We still have to escrow them into our monthly payments!
April
There were several unauthorized charges made on our checking account in April. They were small amounts, but totaled over $500. However with the overdraft charges that we were hit with the grand total was over $1000. There was a couple of refunds from the companies, but the overdraft charges were NOT DROPPED, which started our playing catch-up on bills that we had to let go to cover the overdrafts.
{We were notified, in January that adjustments would be made to our payments. They would go from $714 to $909 a month. This had followed the tax discrepancy.} I mailed in a routine payment of $714 which I was informed was only a partial payment and so was placed in a special account to cover any extra charges, etc that might occur on our account with them. {I had made that payment late due to the previous problems.}At the end of April or first of June I sent in a partial payment with a letter explain what was going on, again my money was placed in the special account and not applied nor returned. When we were able to send a payment that month, I mailed in the total of $909. I was contacted by Homeq regarding our payment being late, I explained I had mailed it, but they were unable to accept that, they wanted a payment BY PHONE, with the UNDERSTANDING that when the payment was received by mail, they would destroy it as to not cause my account to be over draft. I made that payment by phone (check by phone) of $909,2 days later I was notified by my bank that I was over draft $700, with a overdraft charge of $250!!!
They had attempted to collect BOTH payments! I had to put STOP PAYMENTS on BOTH payments to cover overdraft charges as well as stop payment charges! Again, I was unable to make a full payment due to having to cover BANK FEES stemming from overdraft. I was then contacted by HomeQ regarding why I had broken our agreement I explained that due to the attempted double collection of payments I had been forced to use the payment to cover overdraft charges. I was informed that whoever told me they would destroy the mailed payment was wrong. She stated that incoming payments are handled by a completely different department with no connections to the collection department which had contacted me for the payment by phone. They are unaware of what each other is doing. I told her that at that time I wasn't able to make a FULL payment due to the above, she would not accept a partial payment.
Numerous attempts have been made to make payment arrangements, I have called numerous times. There have been several calls that I have made or conversations had that have not been documented. When I have called back regarding certain issues or mention previous calls; I have been made aware that there was No Record of my having a conversation with them!
After Further investigation on-line. Usa Consumer Complaints.com has numerous listings regarding HomeQ, which sites similar situations to ours! This seems to be the M.O. That they operate by!
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