I often "pay forward" on the mortgage, making two payments at once so I can skip the next month. There is no financial advantage to this, I just hate paying bills! In September, I sent in 2 payment coupons (for September and October). Unfortunately, my math was wrong and I underpayed the second month by $200. Now it turns out that National City did not even apply the $900 toward the October payment because they "don't take partial payments." Nor did they send the money back to me... It is just in limbo. It should have been applied regardless of whether it was the full amount or not. National City has had the use of my money for all this time, without even applying it to my loan. Rip-off.
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