Where do I start. We had trouble since the very beginning when our loan was sold to them from Centex Home Mortgage Company in January. Somewhere between the sale our last payment to Centex was lost when our loan was sold so we were always one payment behind.
The one payment behind was eventually paid and our troubles continued. The duration between 2006 going into 2007 was shaky but we did not have an escrow account and was responsible for our own insurance and county property taxes.in February I filed Chapter 7 bankruptcy but did not include the house.
From the transaction history I asked for them to send me (somehow we became 2 payment behind) which I later found out was attorney fees they did not tell us the amount we were charged so that is how we became two payments behind.
We kept falling farther and farther behind and was not aware why.in March they added their insurance company which is billing us at 931.00 annually covering only structural damages. We have not till date received any information regarding this policy. I asked for contact information to the insurance company which they have as American Security Group which when looking for this company online I kept getting security alarm installation. When I asked for their phone number they told me I had to talk to them if I needed information because they are a lender insurance company and I could not contact them directly so I told her we needed a copy of our policy and it will take 21 business days to receive it.
Along with the payments we have been sending in, we have been charged inspection fees which I was told today is a fee we incurr when someone from their company drives past our house to make sure it is occupied. Those payments range from 15.00 to 45.00 each time they do that which subtracts from our payment making us short each time. The extra money (they call it) is then placed in suspense or used to pay other fees.
In September of this year we decided to pay a mortgage payment every pay period until we are caught up. Unfortunately, in August they created our escrow account for us which raised our payments from 661.68 (the amount we have been sending in mind you) to 881.51 in which no written correspondence had been mailed to us about this change so if you are counting our two payments of 661.68 twice a month from September to three payments in November went to wherever they wanted to apply it because they were not the 881.51 our mortgage payment was changed to. Guess what? We are now four payments behind.
Also, these written correspondences that they said they sent us only stated that: There records show that we are XX amount behind and are due and a due date but never a record of payments received and our new mortgage amount.
November 30 three county tax payments were made on our behalf which is a relief since the county says they are delinquent, but we have no proof that they have been forwarded to our county tax office. A payment in the amounts of 776.29,781.29 and 776.28 all were made on November 30. So when I called into today to ASC for some form of proof that the payments have been made they told me that they can send me a print out of the account activity. I kindly said "No thank you, I already have that in front of me that is how I know you paid it already." She then said she can send me a letter saying that the payments has been made but that for each payment there had to be a letter which will take anywhere from 10-15 business days to receive. I kindly asked her to fax them which will take up to 48 hours.
I also tried to set up a payment arrangement today and was asked a series of financial questions. After the gentleman pushed the send button to get me my arrangement amount, the system conveniently crashed and I had to call back later. After waiting approxiamately four hours later I was able to talk to a representative that asked me the same series of questions and the result of our payment arrangements were to send 881.51 by 12/23 and then they could make the arrangements for us. Wait a minute isn't that amount the same as our new mortgage amount? The lady paused and said oh yeah it is.
Previously, when asking about a website of some sort to view our transactions I was told to go to wellsfargo.com. After several attempts to create account and it not recognizing the account number that I have I simply gave up. When asking ASC for a website once again three weeks ago I was told once again to go to wellsfargo.com. When we received another you account is deliquent X amount of dollars there was a new website to view your account at the bottom of the letter.
Is there anything to do about these people and how they operate their business? Some of this stuff they are doing has to be illegal in some sort of way but pulling teeth to get your information that you are entitled to is making me angry and wanting to give up.
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