As alot of you know in April and May we couldn't make the house payment. In June we got caught up. In July we got caught up with credit card payments and started making payments on the car that got repo-ed. In August our health insurance went from $690 to $815 AFTER I had raised the deductible from $2500 to $5000. Electric went up in July by 10%. Many other things came to be and still happening. Every month it's something new.
In July we started making payments to a lawyer to the tune of $150 a month to hold a foreclosure on his mothers house that we had to quit making payments on last January to give it a chance to sell. She died, he bought the house out of the estate so he could buy the two sisters out of the business him and his parents shared equally. He already owned half, then a third, and each of them one third each. One lives in Ohio and didn't want to work it, just the money. Other couldn't contribute just collect. This is/was unacceptable. Long story short, bought mothers house, was going to live in it and sell ours. Next, housing crash. Business crash. Our business just about didn't exist anymore.
Made payments on both houses for 3 months to the tune of $4300. Come January couldn't do it anymore and this one was $300 less so we paid the payment on this one. March started foreclosure on his mothers.
Now we come to now. Nov 1st payment due. Mailed payment the 2nd. Late is not due until 16th. On the 6th BoA collections calls ( can't speak English, not even sure it was in this country ) and says " This call is being recorded and an attempt to collect a debt". Finally figured this out after asking about 4 times. I'm thinking I don't have a credit card with them. Then it hits me. The house. I proceeded to let her have it. The payment isn't even late you stupid....so on and so on. When I got off with her I got the number to BoA's housing collection number. First thing off the bat I asked him if this was being recorded and he said yes. I told him to make sure it was. I asked him when the payment was late says 16th. I asked him why she was calling then. He said it was probably her "verbage". I told him she couldn't speak English which is why I'm calling him. I kept telling him to make sure the recording was still going. He made the mistake of saying I didn't make the payment. I asked are you accusing me of NOT making the payment, are you sure this is still recording....he hesitated and said I meant it hasn't been received. Told him it was sitting on someones desk not posted. I told him to inform whoever that the next time someone calls I WILL have a recorder on also and they had better have the Fair Debt and Collection script in front of them Should they make one mistake I will get an attorney and I will sue and I will win. Why will I win? Because I don't care if I get one damn dime, the lawyer can have it all and he will WANT to win. Now record this. Did you catch all that or will you have to play it back. Thank you and have a wonderful day.
Went to local Bank of He## next day. Girl checked the account. Guess when it was credited. You got it. On the 6th. Same day as the phone call only not until after I called him. Isn't that amazing.
So for the next 28 years ( I'm 56 he's 62 ) the payment has to be POSTED on the 1st or they are going to call and attempt to collect a debt? So at any given time the mail dosen't deliver in a timely manner or the person posting dosen't feel like doing his/her job we will pay the price. Since it has been late twice they can start foreclosure the day it's late ( I was assuming the 16th but now know not true ) from here on out. Woman told me this back in June when we caught up. Can never be late again in 28 years. Her words. Should they want the house back all they have to do is not post it on time one time. After that they don't have to accept a payment.
Why do I hate Bank Of He##....gee, let me count the ways.
In July we started making payments to a lawyer to the tune of $150 a month to hold a foreclosure on his mothers house that we had to quit making payments on last January to give it a chance to sell. She died, he bought the house out of the estate so he could buy the two sisters out of the business him and his parents shared equally. He already owned half, then a third, and each of them one third each. One lives in Ohio and didn't want to work it, just the money. Other couldn't contribute just collect. This is/was unacceptable. Long story short, bought mothers house, was going to live in it and sell ours. Next, housing crash. Business crash. Our business just about didn't exist anymore.
Made payments on both houses for 3 months to the tune of $4300. Come January couldn't do it anymore and this one was $300 less so we paid the payment on this one. March started foreclosure on his mothers.
Now we come to now. Nov 1st payment due. Mailed payment the 2nd. Late is not due until 16th. On the 6th BoA collections calls ( can't speak English, not even sure it was in this country ) and says " This call is being recorded and an attempt to collect a debt". Finally figured this out after asking about 4 times. I'm thinking I don't have a credit card with them. Then it hits me. The house. I proceeded to let her have it. The payment isn't even late you stupid....so on and so on. When I got off with her I got the number to BoA's housing collection number. First thing off the bat I asked him if this was being recorded and he said yes. I told him to make sure it was. I asked him when the payment was late says 16th. I asked him why she was calling then. He said it was probably her "verbage". I told him she couldn't speak English which is why I'm calling him. I kept telling him to make sure the recording was still going. He made the mistake of saying I didn't make the payment. I asked are you accusing me of NOT making the payment, are you sure this is still recording....he hesitated and said I meant it hasn't been received. Told him it was sitting on someones desk not posted. I told him to inform whoever that the next time someone calls I WILL have a recorder on also and they had better have the Fair Debt and Collection script in front of them Should they make one mistake I will get an attorney and I will sue and I will win. Why will I win? Because I don't care if I get one damn dime, the lawyer can have it all and he will WANT to win. Now record this. Did you catch all that or will you have to play it back. Thank you and have a wonderful day.
Went to local Bank of He## next day. Girl checked the account. Guess when it was credited. You got it. On the 6th. Same day as the phone call only not until after I called him. Isn't that amazing.
So for the next 28 years ( I'm 56 he's 62 ) the payment has to be POSTED on the 1st or they are going to call and attempt to collect a debt? So at any given time the mail dosen't deliver in a timely manner or the person posting dosen't feel like doing his/her job we will pay the price. Since it has been late twice they can start foreclosure the day it's late ( I was assuming the 16th but now know not true ) from here on out. Woman told me this back in June when we caught up. Can never be late again in 28 years. Her words. Should they want the house back all they have to do is not post it on time one time. After that they don't have to accept a payment.
Why do I hate Bank Of He##....gee, let me count the ways.