Saxon Mortgage bought my note from another mortgage company and since they have they are hell to deal with. Note due on 1st, I get a call at work on the 2nd saying my payment is late. I tell them, not to call me at work, they do it anyway. To say the least this has happend to me two times now. I was not able to make my February payment until March 7, my payday. I received a phone call at work on th 5th 6th and 7th from them asking what I am going to do to take care of it. On the 7th I called back and said I wanted to make a payment, my check is 1,112.00. My note payment is 1,067.00. The tell me I have to pay 2,461.84 both February and March payment. I said I would pay March by the end of the month they said no I could not do that. I was told if I mailed it in they would return my payment. Now, I was paid up until the February payment, the late fees are suppose to be 67.00. Where does all this other cost come into play? Also, I told them they were nothing but a collection agency and would not work with me. I said I did not have the 2,461.84 and could not pay that until the end of March. She said no matter, we can not except anything less. So I told her I would pay it in 2-3 weeks and she said whatever. I then told her to let me speak to her supervisor, she put me on hold for over 30 minutes and I hung up. Isn't this illegal for them to not take a payment not this late and requiring me to pay March payment before a late charge will be incurred? This is not working with you at all. I though the mortgage companies were suppose to be helping people instead of trying to foreclose. I am struggling, I lost my job last year making 13,000.00 a year less that what I was. I am trying to pay exactly on time, which is the 1st day, they start calling on the 2nd of each month. What can I do.
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