{First|Initial|Very first|1st|Initially} Frank and Janet {thought|believed} it was a {simple|easy|straightforward|basic|uncomplicated|very simple} error. Their mortgage had been {recently|lately|not too long ago} sold to a new {company|business|organization|firm|corporation|enterprise} with a new servicing {company|business|organization|firm|corporation|enterprise}. As with the prior lender, they had sent in their mortgage payment by way of a {personal|individual|private} {check|verify} {between|in between|among|amongst|involving} the {first|initial|very first|1st|initially} and the fifteenth of the month and the payment had been posted with {little|small|tiny} {event|occasion} as {being|becoming|getting} received as agreed.
{Around|About} the 20th of month, a rather cryptic {call|contact|get in touch with} was received on the answering machine stating the payment had not been received and a late charge would be applied and charged and that they {needed|required|necessary} to make a payment {immediately|instantly|right away|quickly|promptly|straight away}. OK Frank and Janet reasoned that the payment {might|may|may well|may possibly|could|could possibly} have been lost in the mail. {Things|Issues|Items|Factors|Points} {happen|occur|take place|come about}, {although|even though|though|despite the fact that|while} it was the {first|initial|very first|1st|initially} time in two years that a payment was late. Frank and Janet has some credit challenges {three|3} years ago and {found|discovered|identified|located} it {necessary|essential|required|needed|important|vital} to entertain a sub prime loan to {buy|purchase|acquire|get|obtain|invest in} the {house|home|residence|property} that they {currently|presently|at present|at the moment} resided. {Thus|Therefore|Hence|As a result} they {were|had been|have been} dealing with a sub prime lender and all that goes with it. {Quickly|Rapidly|Swiftly|Speedily|Promptly|Immediately}, Frank and Janet {called|known as|referred to as|named} {customer|consumer|client|buyer} service and {were|had been|have been} {able|in a position|capable} to make a {check|verify} debit on line for the payment plus a late {fee|charge} {right|correct|proper|appropriate|suitable|ideal} out of their checking account. The late {fee|charge} of {5|five}% amounted to $62.50. Frank told the mortgage-servicing representative that they would {put|place} a {stop|quit|cease} payment on the {check|verify} and instructed them to flag the account and not deposit that {particular|specific|certain|distinct|unique} {check|verify} (with #10224 {check|verify} {number|quantity} dated on the 2nd of that month) as he was going to {put|place} a “{Stop|Quit|Cease} Payment” on it. {After|Following|Right after|Soon after|Immediately after|Just after} the {call|contact|get in touch with} they {called|known as|referred to as|named} their bank and {put|place} a “{stop|quit|cease} payment” on that {check|verify}. This {cost|price|expense} them $25. {Five|5} days later {another|an additional|yet another|one more|a different|a further} {call|contact|get in touch with} came in from the First Time Home Buyer Saskatoon servicing {company|business|organization|firm|corporation|enterprise} stated that they had deposited the mailed {check|verify} and it came back resulting in a $50 charge for the transaction {since|because|given that|considering that|due to the fact|considering the fact that} it hadn’t gone {through|via|by means of|by way of}. The conversation went nowhere as there wasn’t a record {anywhere|anyplace}.
Frank and Janet looked at {each|every|each and every|every single} other and collectively rolled their eyes {while|whilst|although|even though|when|though} verbally reviewing what had transpired. Frank asked Janet rhetorically, “Can you {believe|think} this”?
{Next|Subsequent} month rolls {around|about} and this time Frank and Janet make a {special|unique|particular|specific} {effort|work} to send the mortgage payment in close to the {first|initial|very first|1st|initially} of the month. {Around|About} the 20th of the month, Frank and Janet received {another|an additional|yet another|one more|a different|a further} {call|contact|get in touch with} from the mortgage servicing {company|business|organization|firm|corporation|enterprise} indicating {again|once more|once again}, that the payment had not been received and that there would be {another|an additional|yet another|one more|a different|a further} late charge. The discussion became {extremely|very|incredibly|really|particularly|exceptionally} heated with Frank {leading|top|major} the charge. Frank demanded to speak with a supervisor {regarding|concerning|relating to|with regards to} the second time {around|about} of the mishandling of the {monthly|month-to-month} mortgage payment. The supervisor was not of {much|a lot|significantly|considerably|substantially|a great deal} {help|assist|aid|support|enable|assistance} claiming the {check|verify} had not been received. Frank and Janet {were|had been|have been} determined that they would not {put|place} {another|an additional|yet another|one more|a different|a further} “{Stop|Quit|Cease} Payment” on this {check|verify} at a {cost|price|expense} of $25. Not {getting|obtaining|acquiring|receiving|finding|having} any satisfaction, Frank told the {customer|consumer|client|buyer} service supervisor that he would {call|contact|get in touch with} back in seven days to see if the {check|verify} had been received and posted. Seven days later, Frank {called|known as|referred to as|named} and the {check|verify} had been received and posted but there would be a late charge that would apply. {Another|An additional|Yet another|One more|A different|A further} $62.50 late charge would apply. Frank and Janet {were|had been|have been} frosted beyond belief but at the {same|exact same|identical|very same|similar} time relieved that the {check|verify} had arrived. What could be going on they wondered.
The {next|subsequent} month Frank and Janet decided to send in the mortgage payment a week {before|prior to|just before|ahead of} the 1st {giving|providing} the mortgage servicing {company|business|organization|firm|corporation|enterprise} {plenty|a lot|lots} of time to {receive|obtain|get|acquire} and post the payment {well|nicely|effectively|properly} {within|inside} the time frame. On the 20th of that month a {call|contact|get in touch with} was received from the mortgage servicing {company|business|organization|firm|corporation|enterprise} stating {once|as soon as|when|after} {again|once more|once again} the payment had not been received. Frank and Janet {were|had been|have been} beside themselves. This time Janet demanded to speak with a supervisor. The supervisor explained that the {check|verify} had not been received. Janet pressed the supervisor {further|additional}, “Has this been a recurring {problem|issue|difficulty|dilemma|challenge|trouble} with other borrowers?” There was a {long|lengthy|extended} pause of silence from the supervisor followed by, “Uh…no…I {don’t|do not|never} {think|believe|feel|consider|assume} so.” Janet wasn’t {satisfied|happy} with any of the answers and what was going on with this new mortgage servicing {company|business|organization|firm|corporation|enterprise} and was determined to get the bottom of these “phantom late charges”. Adding insult to injury, the following month a thirty-day late was reported to the credit bureau. Frank and Janet engaged in their {own|personal} spirited credit repair campaign.
{Immediately|Instantly|Right away|Quickly|Promptly|Straight away}, {after|following|right after|soon after|immediately after|just after} {getting|obtaining|acquiring|receiving|finding|having} off the {phone|telephone} with the supervisor Janet and Frank went on line and {started|began} researching the {company|business|organization|firm|corporation|enterprise} for any {information|info|details|data|facts|information and facts} that {might|may|may well|may possibly|could|could possibly} shed some light on what was {happening|taking place}. It was {found|discovered|identified|located} a series of stories and articles about complaints {regarding|concerning|relating to|with regards to} this servicing {company|business|organization|firm|corporation|enterprise}. A ton of new service {business|company|enterprise|organization|small business|business enterprise} had been added {without|with out|without having|with no|devoid of|without the need of} the {staff|employees} to {handle|deal with|manage} it. {Check|Verify} and payments {were|had been|have been} stacked up and untouched. {Problems|Issues|Difficulties|Troubles|Challenges|Complications} and complaints mounted. State and Federal agencies {were|had been|have been} suing with {massive|huge|enormous} fines to be levied. Frank and Janet decided to send bank checks by certified mail return receipt. This was {cheaper|less expensive|more affordable|less costly} than $62.50 a crack and could now prove {ready|prepared} receipts of their payments.