I didn't realize the membership in the Fairbanks House of Horrors was so big. Did you know that if your loan reports sixty days delinquent, they order an appraisal of the property and charge that to your account? Because of them claiming my payment is always late, my mortgage is being paid by my bank.
In February 2003 the bank attempted to get their routing number for electronic transfer payments, but they refused. So the bank was forced to mail them a check. They claimed not to have gotten the February payment by the 5th of the month. I immediately notified the bank, which confirmed the check had not been cashed. They began looking for it and talked to Fairbanks but could not get them to remove the late charges. We sent another payment and again they claimed never to have gotten it.
On the 18th of February I received an envelope with both checks in it, saying that because the account was late they had to have certified funds. I took this to my bank and they were puzzled, because both checks were certified. They called Fairbanks and this time received the routing number to wire the funds back to them. I have maintained all of this documentation. At the present time I am attempting to sell my home to my daughter. Once I have done that, I fully intend to go after this company. Missouri is a very strong consumer protection state, and I once was employed at the Missouri Senate. Our attorney general took on and beat Household Finance, and I want him to go after this group.
I am collecting all of your comments to add as documentation to my complaint. Oh, by the way, of the funds they never got, one check had a received date stamp of the 3rd and the other the 10th, but the return postage was dated the 17th. Charges to my account for that month totaled over $350.00 because, of course, they ordered an appraisal. I requested an itemized statement of the account, and the appraisal fees and other charges are listed as miscellaneous.
I learned what some of them are through investigations. I wish us all luck. This is a very large, totally aggressive and immoral group. I truly believe their intent is to take the property. Remember, we're all in this because we were labeled "high risk" by whoever held the original mortgage.
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