My husband & I fell behind in our payments (our fault) so we did the repayment plan & received a letter in Sept 07 that we we all set then 2 days later we get a letter stating that our loan & seriously deliquescent. My husband called & asked what happened they told us that the payment we made in Sept for 1630.00 the 1300.00 went to fee's! We were never told this & the girl @ ASC was very rude & really didn't have a clue!!! Now we can't refinance b/c of this When we thought we could. I am hoping by Jan 08 we can get rid of them & just to let everyone know when you refinance you can request that your mortgage CAN NOT BE SOLD!!! Trust me we will be doing this!!!
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