I played the late fee game from the third payment on. It started when i drove to the salt lake city branch to make a payment. Upon arriving i was greeted by the branch manager who accepted an endorsed veterans disability check and reciepted me showing the amount the date and his name. Two weeks later i recieved a call from california asking for my payment, after frantically researching why i was not credited for the payment i found the guy was holding my endorsed check in his desk because he was told that this form of payment was not allowed because the check was not made out to them. Of couse i was assesed late fees up the wazoo which after several months was up to thousands all because this moron was not smart enough to get my check back to me in a timely manner not to mention the fact he did accept and reciept my payment.
The next two years i spent paying every penny i had attempting to keep my house long enough to find an honest lender but not before two years was up since the early payoff clause was two times the amount of the actual payments for a penalty. When i finally made it to the two year mark my payments jumped up $500.00 a month, and of course they did not hesitate to tarnish my credit keeping any decent company from lending me a way out. But that was nothing compaired to the world ending phone call i got from a guy who said he baught my house at an auction and wanted to know when i planned on moving. Of course i responde by saying the hell you did my house is not for sale. Yes they sold my house at auction without following state required laws mandating the ways i should have been notified prior to any auction and then payed my attorney to help them get me out. I had three offers from cash paying buyers that were over $300,000.00 dollars and could have even filed chapter 13 any of which would have protected my equity but only if i would have been given the notice required by law. For the record i can prove without a doubt any and all alligations but i cant muster up the cash needed to pay for the court to hear my case because they milked me of every penny, all credit, and took twenty years off of my life from the trauma of losing my life savings to a pack of lying greedy wolves. I need help and dont know where to turn!
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