If you are going through with a Class Action Lawsuit against Option One, please include me! It was a huge mistake going with them for a mortgage and now I can't get out of it because they aren't applying the monies upon their receiving the payments and stating that I am always at fault.
I have been sending my mortgage payments Certified, Return Receipt, just to prove they have received the monies. Option One still takes forever to post the payments and this past Saturday I received a letter indicating how they applied my monies (for my monthly payment, and a past due amount). On Friday I received the return receipt for my November payment and checked my bank to see if the check was presented for clearance - as of today, there are 2 checks they have yet to present to the bank for payment.
I emailed & faxed my attorney on Friday a copy of the return receipt and also at 1:30 this morning a copy of the letter indicating how they applied the monies.
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