Re: mortage company and fraud and harassment

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On 1/23/04, pam wrote:
> its not a bank , its vanderbilt mortgage and finance, they are
> saying that the account is new its 17months old and the account
> has been past due before (told them then as now husbands hours
> are cut till march ) every yr and my daughter being ill with
> medical expenses insurance dont pay that they are not going to
> stand for this delinquency and that they are going to start
> legal precedings, they are saying that because my dad got mixed
> up and sent the payment wrong cause the aggrement was with me
> not my dad although they didnt care my child was sick so i had
> some one else to make the payment as i promised that they are
> going to take my home even tho payment was sent with a tracking
> number and every thing,
> basically they are saying we dont care your going to lose your
> home. over 150.00 cause i had mailed the other payment via
> priority mail.. seems they never recieve the payment unless its
> sent that way. I also told them that we should get our taxes in
> abt 2 weeks and im paying three to four months in advance, they
> said they didnt care, and next week they are starting the legal
> process . thanks for the help... daughters sick again will reply
> to any answer tommorow,,,
> thank you
>
> n 1/23/04, Alex wrote:
>> They must have accelerated the whole balance. They can legally
>> do this.
>> Tell me what exactly is the bank telling you.
>> On 1/23/04, pam wrote:
>>> alex, I am telling you every thing,*( i dont mis lead any one
>>> for any reason) the fact that jan payment is due the 28th of
>>> jan and i was behind on decemebers i sent 200.00 then I had my
>>> dad send the rest of dec today as was agreed, he sent it
>>> priority mail not quick collect my father is 75 yrs old and he
>>> got mixed up with the way to send it cause i was with my sick
>>> daughter and my husband was out of town, we have been behind
>>> three times but never more than 30 days they are saying they
>>> can repo cause i didnt send the payment via quickcollect and
>>> the acct is considered 30 days past due,
>>>
>>>
>>>
>>> On 1/23/04, Alex wrote:
>>>> When your mortgage is past due they can foreclose. The
>>> whole
>>>> balance is accelerated when any number of conditions are not
>>>> met. The thing is that mortgage holders hate to foreclose.
>>>> So if you are current with your payments, why would they
>>> want
>>>> to foreclose? There must be something you are not telling
>>> us.
>>>>
>>>> On 1/23/04, pam wrote:
>>>>> how many times a week can a lending company call you and
>>>>> can they reposes your home if the payments is not over 30
>>>>> days past due and your trying to pay the payments and they
>>>>> are rude and refuse to work with you and threaten you ...
>>>>> is it legal for them to send some one to take pictures of
>>>>> your home to "Post as for sale" if your not more than
>>>>> 30days past due . and if you had a sick child and let some
>>>>> one else send the payment and they goofed and sent in via
>>>>> priority mail instead of priority quick collect can they
>>>>> refuse the payment and reposes... please help.....
>>>

i know what you mean. my mortgage has been sold about 5 times in the
last 22 years. as of 2/9/04 i owe for dec, jan, & feb. i called the
loan co. serving the loan which is (Dovenmuehle) for 1st palm. i
offered to pay 2 months through electronic draft. i was told i would
need to send in 3 payments with certified funds. i then asked if i
could do an electronic pymt for the 3 months. the rude unhelpful
clerk sonya said she demanded 3 payments only by certified check or
they would forclose. i hate this loan servicer.they are not working
with us at all. in the past all previous mortgage companies have been
very helpful. since i only owe 8 years on a 30 yr mortgage i feel
they are trying to cash out the loan. the majority of the intrest has
been paid upfront there is little incentive for them to work to keep
this loan. in the future i will never borrow 1 cent from any company
that has ties to these 2 companies.i have contacted both 1st palm and
dovenmuehle and have had no satisfaction. when the servicer changed,
1st palm sent me a bs letter that said "youre a special customer to
1st palm & i believe this new alliance will serve you well.no doubt
your home mortgage is an important part of your personal financial
picture.you can rest assured that 1st palm will continue to treat it
as such." no thanks for the form letter ann r mackey.it looks nice
however i believe i could write a better discription of how your
company treats my home mortgage.

Re: mortage company and fraud and harassment, 2/09/04, by esc.

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