I've been spending my mortgage promptly (or perhaps a couple times early) for almost 15 years now. Previously couple of years, I’ve had the opportunity to deliver significantly more than I owe every month to be able to spend extra towards the main balance. Since TD Bank got around from Mercantile, I’ve had repeated difficulties with how they decide to utilize my increased funds. Yesteryear 8 weeks in AROW, they've selected to consider my cost (that was over increase what I owed every month) and utilize it to “other” on my bill in the place of implementing it as my normal cost plus extra primary. After I named in March to discover what occurred, these were polite enough about this, but nonetheless suggested this misapplication was somehow my own personal problem. This month, when it just happened again, I had been handled extremely rudely from the selection division and also the consultant really contended with me and stated that “he doesn’t realize why I'm sending” the cost early or for this type of large quantity!? Again, this ‘misapplication’ was somehow my problem. Fundamentally, he explained I ought to not create the cost 3 times early since it is complicated for them. Obviously, this simply implies that they would like to motivate me to deliver the cost later and operate the chance of the check coming late to allow them to simply cost me more late fees. After having this encounter repeatedly today, personally I think I can't confidence this lender because they be seemingly looking to get whichever late-payment costs they are able to out-of their great clients with one of these deceptive techniques. I'm likely to refinance my mortgage having a various bank (my credit union) and obtain from TD Bank. I'll never use TD Bank for almost any support later on.
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