National City Mortgage once charged us a late fee, not because they didn't receive our payment on time but because they didn't know what to do with the check. There had always been plenty of money in the bank to cover the check, and a look at a scan of it showed that it was in order and included not only our name and address but also our mortgage number.
That wasn't the first time that National City Mortgage had made a serious mistake. During the application process they were going to call an end to everything because they said that we hadn't furnished them a certain form, but included with their letter was that very form, already filled out.
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