We have a loan through Conseco Finance for our mobile home and an acre of land.in 2001 we were told we owed for back taxes for years 99. We were having money problems at the time and after alot of harrassment at my work place and home we were finally able to get help getting the money Conseco said we owed them.
It was December and my husband had already sent out a payment of $1270.46. This was clearly marked on the bottom of the check in the FOR line additional charges/Dec. Payment. This amount according to Conseco would take care of our December payment AND the back taxes we owed them. The check was written and sent out on December 23.
On December 31st 2001 I receive a phone call from Dawn (at my work place) with Conseco saying basically that my husband was a liar and they have not received a payment yet and that I needed to do a check by phone or our account would start collections. Because I was at work and things were crazy (seeing as how I was store manager)
I went ahead and did a check by phone for the amount of $1271.59. We soon found out that we needed to do a stop payment on the second check done by phone because the first had already gone through. This cost us more money for a stop payment etc. We got a copy of the first check that was sent and had it faxed to Dawn herself.
We couldn't understand why she called me and harrassed me at work to do a check by phone because the stamp on the back shows it cleared there bank on the 28th of Dec. Why then did she need to do a check by phone on the 31st if our payment was already in? Needless to say we have been on track with our payment so on since then. As a matter of fact my husband sends $20.00 and more over the amount every month. But just recently Conseco reps have been calling and harrassing us about late payments.
We couldn't understand so my husband spent 2 and a half hours playing phone tag with various people at Conseco to find out what other additional charges we are late paying for. Finally we find out that these additional charges are for the back taxes in 99 they are charging us for again. We tried to explain to T.J. (account manager) that we have already paid these taxes back to them but he would not listen. We even have a copy of the check that was faxed to Dawn but they have no record of this paperwork. (Go Figure) My own bank faxed this directly to her. So we are now fighting these people tooth and nail once again because they say we owe them.
They even went as far as to say that one of us gave them permission back on the 29th to take an additional 60 dollars stretched out over the next 10 to 11 months to make these additional charges right. Neither one of us has talked to anyone about this. We just found out about it. Needless to say all the extra money my husband has been sending every month has been going towards these "additional charges" instead of toward our loan and also making us (so called) late on our payments.
These people don't care and don't want to work with you on anything. They don't want to hear that someone there has made a mistake and our money is not being used correctly. We are called liars and everything is our fault. We have been additional charged out the ying yang since we've had this place and sad thing is I don't know what all for.
I led a busy life for a while working all the time because my husband is a veteran and is unable to work. Therefore over the years these people could be charging me out the tail for stuff I shouldn't have to be paying. I have requested once before when we owed the back taxes a detailed summary of my account, charges and payments including detailed so called additional charges but have never received it. How can they do this? Not let you know exactly what is going on.
Play phone tag with 50 people throughout 50 departments and then when you finally find out what is going on and try to reason with them you are treated like dirt and made to feel like they do nothing wrong. Furthermore this Dawn person no longer works with Conseco so we could not deal directly with her. My hopes were shot down when I found this out because she could not deny that we have already paid these back taxes. Now we are dealing with someone named T.J. That apparently does not know his butt from a hole in the ground because we tried to explain this mistake to him but we were liars and they have no record of a fax. Well guess what? I do
We are getting all of our information together and we could really use some advice and next steps from anyone who can help. This company has been an uneeded place from hell since we've gotten our home.
Donna
Waycriss, Georgia
0 comments